Disability insurance companies in Texas focus on providing financial protection for individuals unable to work due to injury or illness. This industry comprises independent agencies and corporate giants, offering various products including short and long-term disability coverage. As the demand for financial security increases, insurers are refining their policies to cater to a workforce that now prioritizes comprehensive protection. Notably, advances in technology enable tailored service, allowing organizations to connect better with clients. With a growing awareness of mental health and wellness, companies are also expanding their product lines to meet evolving consumer needs.


The companies listed here represent a mix of sizes and specializations, ranging from small agencies like Wallace and Associates to larger firms such as Alera Group. Most were established between the 1970s and 1990s, emphasizing the stability within the industry. Many agencies focus on employee benefits and tailored insurance solutions, ensuring individuals and businesses have the right coverage. Set across various Texas cities, they showcase a commitment to local service while participating in broader industry trends.


Continue reading to explore the top disability insurance companies in Texas.


Top 21 Disability Insurance Companies in Texas


1. NTA Life

  • Website: ntalife.com
  • Ownership type: Corporate
  • Headquarters: Addison, Texas, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Latest funding: December 2018
  • Founded year: 1973
  • Headcount: 201-500
  • LinkedIn: nta-life

National Teachers Associates Life Insurance Company, commonly known as NTA Life, is based in Addison, Texas, and has been operational since 1973. The company primarily focuses on supplemental health and life insurance products, with a strong emphasis on serving educators, emergency responders, and government employees. NTA Life tailors its offerings to address the unique financial risks these professionals face, particularly in the context of health issues and accidents. Their product lineup includes disability income insurance, which is designed to provide financial support in the event of a disability that affects an individual's ability to work. NTA Life has built a reputation for delivering personalized service and has established partnerships with various teacher unions across the country, further solidifying its commitment to the educational sector. The company operates in all states except New York, where its affiliate, NTA Life Insurance Company of New York, provides similar products. NTA Life's financial stability is underscored by its recognition as a top performer in the insurance industry and its strong ratings from reputable agencies.


2. Crandall & Associates Insurance


Crandall & Associates Insurance, established in 1987, is a private insurance agency based in San Antonio, Texas. With a team of 18 employees, the company specializes in a variety of insurance services, including life, disability, and employee benefits. They cater to both individual consumers and businesses, helping clients manage risks and secure financial protection through customized insurance solutions. Their disability insurance offerings are designed to support clients through various life challenges, from health issues to unexpected accidents. The agency prides itself on creating economical insurance portfolios tailored to the unique needs of each customer, reflecting their commitment to personalized service. Crandall & Associates has built a reputation for reliability and responsiveness, which is crucial in the insurance industry. They actively engage with the community and participate in various charitable initiatives, further solidifying their presence in the local market.


3. Benefit Architects

  • Website: benefitarchitects.com
  • Ownership type: Private
  • Headquarters: Westlake, Texas, United States (USA)
  • Employee distribution: United States (USA) 79%, Georgia 21%
  • Founded year: 1987
  • Headcount: 51-200
  • LinkedIn: benefit-architects

Benefit Architects, founded in 1987 and based in Westlake, Texas, is a private insurance agency that specializes in employee benefits and insurance solutions. With a workforce of approximately 39 employees, the company has been instrumental in guiding over 100,000 individuals and families in understanding and optimizing their insurance options. Their offerings include life, disability, and critical illness insurance, as well as retirement guidance. Benefit Architects emphasizes the importance of benefit counseling, ensuring that clients are well-informed to make educated decisions regarding their insurance needs. They also represent Aflac, providing supplemental insurance products tailored for union members, which showcases their commitment to serving specific client segments. Their extensive experience and focus on personalized service position them as a knowledgeable resource in the insurance industry.


4. wallace and associates


Wallace and Associates is an independent insurance agency based in Marion, Texas, with a history spanning over 30 years. Founded in 1983, the agency specializes in a variety of insurance services, including life, dental, and notably, disability insurance. They cater to both individual clients and businesses, aiming to provide tailored insurance solutions that address specific financial protection and health coverage needs. The agency represents over 30 insurance carriers, all rated A+ or better, which allows them to offer a range of plans and wellness programs. Their commitment to customer service and staying updated with industry trends has helped them build strong relationships with clients, although they operate on a smaller scale with a team of 1-10 employees. Wallace and Associates emphasizes the importance of financial security during unexpected life events, particularly through their disability insurance offerings, which are designed to provide income protection in case of illness or injury.


5. Continental General

  • Website: cgic.com
  • Ownership type: Private
  • Headquarters: Austin, Texas, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 2016
  • Headcount: 51-200
  • LinkedIn: continental-insurance-inc-

Continental General Insurance Company, based in Austin, Texas, was founded in 2016 and operates as a private insurance provider. The company specializes in life, accident, and health insurance products, catering to individuals and families. With a commitment to helping policyholders manage financial risks related to aging and health challenges, Continental General serves over 100,000 policyholders. They also provide third-party administration services, leveraging their extensive industry experience. The company is a licensed insurance carrier in forty-nine states, the District of Columbia, and the U.S. Virgin Islands, which enhances their market presence. Their strategic approach includes pursuing growth through acquisitions and partnerships, further solidifying their position in the insurance sector.


6. Alera Group

  • Website: tx.aleragroup.com
  • Ownership type: Private
  • Headquarters: San Antonio, Texas, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 2015
  • Headcount: 1001-5000
  • LinkedIn: amcorp-inc.

Alera Group is an independent insurance agency and financial services firm founded in 2015, with its national headquarters located in Deerfield, Illinois. The company was formed through the merger of 24 entrepreneurial firms, aiming to enhance client experiences by leveraging industry expertise and local relationships. Alera Group operates across the United States, providing a range of services that include employee benefits, property and casualty insurance, and wealth management. Their employee benefits division specializes in designing and managing benefit programs, which includes disability insurance as a key offering. Alera Group's commitment to client-centered service is evident in their approach to individual coverage, where they partner with IHS Insurance Group to tailor insurance solutions to meet specific client needs. This positions them as a relevant player in the disability insurance sector.


7. Daines Insurance

  • Website: dainesinsuranceservices.com
  • Ownership type: Private
  • Headquarters: Texarkana, Texas, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1964
  • Headcount: 11-50
  • LinkedIn: dainesinsurance

Daines Insurance & Financial Services, LLP, based in Texarkana, Texas, has been a fixture in the insurance industry since its founding in 1964. The agency specializes in providing a variety of insurance products and employee benefits tailored to the needs of both businesses and individuals. With a team boasting over 150 years of combined experience, Daines Insurance focuses on crafting customized solutions that help businesses attract and retain talent while ensuring compliance with regulatory requirements. Their offerings include medical, dental, vision, and notably, disability insurance, which provides income protection for employees unable to work due to illness or injury. The firm has built a reputation for high-quality service, as evidenced by numerous positive testimonials from long-term clients. Daines Insurance actively engages with professional organizations to stay updated on industry trends and legislative changes, further solidifying their role in the insurance landscape.


8. Elite Insurance Agency

  • Website: elitemktg.net
  • Ownership type: Family Owned
  • Headquarters: Houston, Texas, United States (USA)
  • Founded year: 1987
  • Headcount: 11-50
  • LinkedIn: elitemktg

Elite Insurance Agency, now known as EMG Insurance Brokerage, is a family-owned firm based in Houston, Texas, founded in 1987. The agency specializes in a wide array of financial and insurance solutions, including life insurance, health insurance, and notably, disability insurance. EMG serves as a brokerage general agency, providing essential support to financial advisors and insurance agents. They offer a suite of tools, resources, and expertise designed to help these professionals effectively meet their clients' needs. Their offerings include group disability insurance and individual disability insurance, showcasing their involvement in this specific market. The agency has built a reputation for being a reliable partner in the insurance industry, focusing on agent development and client-tailored solutions. With a workforce of 21 employees, EMG maintains a personal touch in its operations, emphasizing strong relationships with its partners and clients.


9. Southwest Business Consultants, Inc.


Southwest Business Consultants, Inc., founded in 1991 and based in Austin, Texas, operates as a consulting firm specializing in insurance and financial services. With a team of 24 employees, the company provides a broad array of products, including life, health, auto, and homeowners insurance, alongside retirement planning and tax consulting. Their clientele includes both individuals and businesses seeking tailored financial solutions. Notably, they offer disability income insurance among their services, indicating their involvement in this sector. However, their broader focus on various insurance types and financial consulting may dilute their specialization in disability insurance specifically.


10. Cuellar & Associates L.L.C.


Cuellar & Associates L.L.C. is a family-owned insurance agency based in San Antonio, Texas, established in 1992. The company provides a comprehensive range of insurance and financial services tailored to meet the needs of individuals and businesses across Texas. Their offerings include home, auto, life, health, Medicare coverage, commercial insurance, and employee benefits. Cuellar & Associates prides itself on its customer-centric approach, emphasizing personalized service and customized solutions. With over 400 products from more than 100 companies, they aim to protect families and businesses by navigating the complexities of insurance policies. The firm has expanded significantly since its inception, now operating multiple divisions and locations, and has built a reputation for integrity and commitment to client satisfaction.


11. BKCW Insurance

  • Website: bkcw.com
  • Ownership type: Family Owned
  • Headquarters: Austin, Texas, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1952
  • Headcount: 51-200
  • LinkedIn: bkcw-insurance

BKCW Insurance, established in 1952, is a family-owned insurance agency based in Austin, Texas. With a workforce of around 63 employees, the company has built a reputation for providing tailored insurance solutions to businesses, organizations, and individuals. Their offerings include business insurance, employee benefits, and personal insurance, with a strong emphasis on proactive risk management. BKCW employs a unique PIVOT Risk Management process, which helps clients identify and mitigate risks effectively. They have been recognized as a Best Practices Agency by the Independent Insurance Agents and Brokers of America for over two decades, showcasing their commitment to excellence in service. BKCW operates primarily in Texas but has clients across 37 states, indicating a broad reach in the insurance market. Their partnerships with top-rated carriers further enhance their service capabilities, particularly in employee benefits, which includes group disability insurance among other coverages.


12. Southerland & Associates

  • Website: saprotects.com
  • Ownership type: Corporate
  • Headquarters: Austin, Texas, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Latest funding: December 2024
  • Founded year: 1993
  • Headcount: 1-10
  • LinkedIn: southerland-%26-associates

Southerland & Associates is an independent insurance agency and financial services firm based in Austin, Texas, founded in 1993. The company specializes in a wide array of insurance products, including health, life, and notably, disability insurance. They cater to both individuals and businesses, providing customized insurance and financial planning services. With a small team of dedicated professionals, Southerland & Associates emphasizes a personalized approach to insurance, helping clients understand their options and protect their assets. Their commitment to client education and support is evident in their extensive network of partnerships with financial planners, attorneys, and other professionals, ensuring comprehensive service. The firm has been active in the insurance industry for several decades, demonstrating stability and a deep understanding of client needs.


13. Greenwood Insurance Group, Inc.


Greenwood Insurance Group, Inc., based in The Woodlands, Texas, has been operational since 1993. This private commercial insurance agency specializes in providing tailored insurance solutions and risk management services to both businesses and individuals. Their offerings include a wide array of products such as commercial and personal insurance, employee benefits, and risk management strategies. The company serves clients across various industries, ensuring that they are protected against potential risks and compliant with relevant regulations. Greenwood Insurance Group emphasizes building strong relationships with clients, offering personalized service, and leveraging technology to enhance their insurance solutions. Their employee benefits division includes disability insurance, which is part of a broader suite of services aimed at supporting workforce well-being. The firm operates throughout the United States, showcasing a commitment to accessibility and client support through tools like a mobile app and client portal.


14. Insurance One Agency L.C.


Insurance One Agency L.C., founded in 1992 and based in Dallas, Texas, operates as a private insurance agency with a workforce of approximately 117 employees. The agency provides a wide array of insurance products, including personal, business, life, health, and notably, disability insurance. With multiple locations across Texas, Insurance One Agency emphasizes customer service and risk management, tailoring coverage solutions to meet the unique needs of both individual consumers and businesses. Their commitment to understanding client needs is evident in their approach to insurance, where they aim to match appropriate coverage with potential risks. The agency has established itself as a significant player in the Texas insurance market, serving various clients, including ministries and businesses across multiple states.


15. BDI- Barnard Donegan Insurance

  • Website: bdi-insurance.com
  • Ownership type: Private
  • Headquarters: Seguin, Texas, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1911
  • Headcount: 11-50
  • LinkedIn: bdi-insurance

BDI- Barnard Donegan Insurance, established in 1911, is a private insurance agency based in Seguin, Texas. With a team of 42 employees, the agency specializes in a wide array of insurance solutions, including personal, commercial, and employee benefits insurance. Their offerings include group health, dental, vision, accident insurance, and notably, disability insurance. BDI prides itself on its independent status, allowing them to represent multiple insurance companies and provide tailored coverage to meet the unique needs of individuals and businesses. The agency emphasizes integrity, community involvement, and personalized service, fostering strong relationships with clients. Their commitment to excellence is evident in their long history and ongoing engagement with the community they serve.


16. Advanced Insurance Services Inc

  • Website: aisusainc.com
  • Ownership type: Private
  • Headquarters: Katy, Texas, United States (USA)
  • Employee distribution: United States (USA) 70%, India 30%
  • Founded year: 2008
  • Headcount: 51-200
  • LinkedIn: aisusainc

Advanced Insurance Services Inc, based in Katy, Texas, is a private insurance agency founded in 2008. The company specializes in providing health and business insurance solutions tailored to small and medium-sized businesses, as well as individual clients. With a workforce of around 20 employees, AIS has carved a niche in the IT sector, ensuring compliance and efficient service delivery. Their offerings include group health insurance, dental, vision, life insurance, and notably, short and long-term disability insurance. AIS prides itself on its digitalized approach, facilitating seamless and paperless solutions for clients. They are partnered with major A+ carriers in health and business insurance, which enhances their service capabilities. AIS has built a reputation for understanding the unique needs of their clients and providing competitive pricing, which has contributed to their growth in the insurance market.


17. Employee Benefit Systems Inc

  • Website: ebsworksite.com
  • Ownership type: Corporate
  • Headquarters: Houston, Texas, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Latest funding: $100.0M, February 2000
  • Founded year: 1997
  • Headcount: 11-50
  • LinkedIn: ebs-worksite

Employee Benefit Systems Inc, founded in 1997 and based in Houston, Texas, specializes in providing supplemental insurance products tailored for union members and their families. The company offers a range of insurance options, including life, critical illness, and notably, disability insurance. EBS aims to enhance financial security for its clients, particularly in light of rising healthcare costs. Their business model is centered around creating customized solutions that meet the specific needs of their clientele, which primarily includes members from various industries such as manufacturing and municipalities. EBS has established partnerships with major insurance companies, allowing them to offer competitive and comprehensive insurance products. Their focus on non-commissioned benefit counselors ensures that clients receive unbiased advice tailored to their needs, further solidifying their role in the insurance market.


18. Tokio Marine HCC

  • Website: tmhcc.com
  • Ownership type: Private
  • Headquarters: Houston, Texas, United States (USA)
  • Employee distribution: United States (USA) 63%, United Kingdom (UK) 26%, Spain 3%, Other 8%
  • Founded year: 1974
  • Headcount: 1001-5000
  • LinkedIn: tokiomarinehcc

Tokio Marine HCC, based in Houston, Texas, is a private insurance company founded in 1974. With a workforce of approximately 3,732 employees, the company operates internationally, providing a wide array of specialty insurance products tailored to meet the unique needs of businesses and organizations. Their offerings include aviation, casualty liability, cyber insurance, and notably, high-limit disability insurance through their Prestige Disability line. This product is particularly aimed at high-earning professionals concerned about their financial stability in the event of a disability. Tokio Marine HCC is committed to risk management and financial protection, ensuring that clients are safeguarded against unforeseen events. The company is part of the Tokio Marine Group, which enhances its global reach and financial strength, as evidenced by its strong ratings from agencies like AM Best and Fitch Ratings.


19. Hcc Insurance Holdings INC

  • Website: hcc.com
  • Ownership type: Corporate
  • Headquarters: Houston, Texas, United States (USA)
  • Latest funding: $7.5B, June 2015
  • Founded year: 1974
  • Headcount: 1001-5000
  • LinkedIn: hcc-insurance-holdings-inc

Hcc Insurance Holdings INC, also known as Tokio Marine HCC, is an insurance company based in Houston, Texas, founded in 1974. The company specializes in providing a wide range of specialty insurance products tailored to various industries. Its offerings include aviation, casualty liability, cyber and technology insurance, and crisis management, among others. Notably, Tokio Marine HCC also provides high-limit disability insurance through its Prestige Disability product, which is designed for high-earning professionals and entertainers. The company has a strong financial foundation, with a reported gross written premium of $7.6 billion for 2023 and a workforce of approximately 4,300 employees globally. Tokio Marine HCC operates in over 180 countries, showcasing its extensive reach and expertise in managing complex insurance needs.


20. Boyd, Shackelford, Barnett & Dixon, LLC (BSBD Group)


Boyd, Shackelford, Barnett & Dixon, LLC (BSBD Group) is an insurance agency based in Plano, Texas, established in 2006. The firm operates with a team of approximately 68 employees and provides a wide array of insurance and risk management services tailored to both businesses and individuals. Their offerings include commercial, personal, and group insurance products, with a notable emphasis on sectors such as construction, oil and gas, and hospitality. BSBD Group prides itself on delivering customized solutions that protect clients from financial risks. They also provide group benefits, which include health, dental, vision, and disability insurance, showcasing their capability to cater to the needs of employers and their employees. The firm has expanded its reach through acquisitions, indicating growth and a commitment to enhancing their service offerings. With multiple locations across Texas, BSBD Group aims to serve clients not just locally but throughout the United States.


21. Whorton Insurance Services

  • Website: whortonins.com
  • Ownership type: Private
  • Headquarters: Austin, Texas, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1972
  • Headcount: 11-50
  • LinkedIn: whorton-insurance-services

Whorton Insurance Services is an independent insurance agency based in Austin, Texas, established in 1972. With a team of approximately 37 employees, the agency serves clients across the contiguous United States. Whorton Insurance provides a wide array of insurance products, including personal, health, and business insurance. Their offerings include disability insurance, long-term care, and life insurance, among others. The agency prides itself on its ability to compare coverage and pricing from multiple insurance companies, ensuring clients receive tailored solutions that meet their specific needs. Whorton Insurance emphasizes customer service and aims to help clients navigate the complexities of insurance, making it a valuable resource for individuals and businesses alike.



Disability Insurance Insights: Key Companies in Texas


CompanyHeadquarterSizeFoundedOwnership
NTA LifeAddison, Texas, United States (USA)201-5001973Corporate
Crandall & Associates InsuranceSan Antonio, Texas, United States (USA)11-501987Private
Benefit ArchitectsWestlake, Texas, United States (USA)51-2001987Private
wallace and associatesMarion, Texas, United States (USA)1-101983Private
Continental GeneralAustin, Texas, United States (USA)51-2002016Private
Alera GroupSan Antonio, Texas, United States (USA)1001-50002015Private
Daines InsuranceTexarkana, Texas, United States (USA)11-501964Private
Elite Insurance AgencyHouston, Texas, United States (USA)11-501987Family Owned
Southwest Business Consultants, Inc.Austin, Texas, United States (USA)11-501991Private
Cuellar & Associates L.L.C.San Antonio, Texas, United States (USA)11-501992Family Owned
BKCW InsuranceAustin, Texas, United States (USA)51-2001952Family Owned
Southerland & AssociatesAustin, Texas, United States (USA)1-101993Corporate
Greenwood Insurance Group, Inc.The Woodlands, Texas, United States (USA)11-501993Private
Insurance One Agency L.C.Dallas, Texas, United States (USA)51-2001992Private
BDI- Barnard Donegan InsuranceSeguin, Texas, United States (USA)11-501911Private
Advanced Insurance Services IncKaty, Texas, United States (USA)51-2002008Private
Employee Benefit Systems IncHouston, Texas, United States (USA)11-501997Corporate
Tokio Marine HCCHouston, Texas, United States (USA)1001-50001974Private
Hcc Insurance Holdings INCHouston, Texas, United States (USA)1001-50001974Corporate
Boyd, Shackelford, Barnett & Dixon, LLC (BSBD Group)Plano, Texas, United States (USA)51-2002006Private
Whorton Insurance ServicesAustin, Texas, United States (USA)11-501972Private


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