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Home > Life Insurance Home

Life Insurance


Life Insurance Customer Service Options

Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.

Life Claim Form
Request Declaration and Coverages Page for Existing Life Insurance Coverage

Life Insurance Information

There are many kinds of life insurance, but they generally fall into two categories: term insurance and permanent insurance.

Term insurance is designed to meet temporary needs. It provides protection for a specific period of time (the "term") and generally pays a benefit only if you die during the term. This type of insurance often makes sense when you have a need for coverage that will disappear at a specific point in time. For instance, you may decide that you only need coverage until your children graduate from college or a particular debt is paid off, such as your mortgage.

In contrast, permanent insurance provides lifelong protection. As long as you pay the premiums, and no loans, withdrawals or surrenders are taken, the full face amount will be paid. Because it is designed to last a lifetime, permanent life insurance accumulates cash value and is priced for you to keep over a long period of time.

It's impossible to say which type of life insurance is better because the kind of coverage that's right for you depends on your unique circumstances and financial goals.

But remember, the best way to figure out the amount and type of life insurance that makes sense for your particular situation is to meet with a qualified and licensed life insurance professional.

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Mission Statement

Skarpa Insurance Agency is a family owned and operated, full lines insurance agency in Liberty County. We were founded in 1992 by Felix Skarpa and have continued to grow by providing our clients the best possible service and many options to meet their insurance needs. We take pride in being an independent agency, and being able to tailor coverage to our client's needs.


2866 FM 1960 Ste B
Dayton, TX 77535

Phone: 936.258.5613
Fax: 936-258-561
Email: sskarpa@skarpainsurance.com


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