Mark Bilgere, Life Insurance Agent
Mark Bilgere
Bilgere Insurance
Life Insurance Agent Licensed in TX, IA, IN, LA, MD, MN, MT, NE and OK
Contact Details
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Location
Bedford, TX
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Website
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Mark Can Help With:
About Me
Hello there! I'm Mark, a life insurance advisor serving our community. My mission is to take the confusion out of life insurance and replace it with clarity and confidence. Whether it's protecting your family, your income, or your future, I'm here to help every step of the way.
Directions to My Office
My Google Reviews
Total Reviews (0.0)
April 22, 2026
Great information and he was very efficient and considerate of our time. Started on time. Finished presentation on time. Had time for questions. I want him to handle all my concerns. Very understandable.
April 3, 2026
Paris makes understanding life insurance options clear and manageable.
March 23, 2026
Recently attended Mark’s Medicare workshop—absolutely spectacular. He walked through Parts A, B, C, and D in a way that actually made sense, and clearly explained how to identify and fill the coverage gaps most people don’t even realize they have. If you’ve got questions about Medicare plans—or you’ve been thinking about attending a workshop—Mark does an outstanding job.
February 18, 2026
February 18, 2026
Very knowledgeable of insurance information
Q&A with Mark Bilgere
What questions should a first-time life insurance buyer ask their agent?
Answer: First, ask if your agent is able to write for multiple carriers. Different carriers may have not only different pricing, but different underwriting requirements. One carrier may view a recent health condition differently than another. If your agent can only write policies for one carrier, you may pay more for a policy or even be declined for a policy that may have been approved at a lower price with a different company.
What is the most common mistake people make when buying life insurance?
Answer: The most common mistake people make when purchasing life insurance is underestimating the amount they need. Often, people will just pick a round number that sounds like it should be enough without doing a true analysis of their future needs. Life insurance is one of the greatest ways to leverage money for the future when used properly.
Should a stay-at-home parent have life insurance?
Answer: A stay at home parent should absolutely have a life insurance policy. Replacing the value of what a stay at home parent provides to a family is extremely high. Just the cost of daycare, transportation, and household maintenance is much more than most people think. The loss of a parent and spouse is hard enough, having to navigate the financial burden while grieving makes a hard situation even worse.
What is the difference between a beneficiary and a contingent beneficiary?
Answer: The beneficiary is the person or persons who will receive the life insurance payout when the insured passes away. The contingent beneficiary is a different person who will receive the benefit, if the first (primary) beneficiary is no longer able to receive it. Many people make their spouse the primary beneficiary and then add a contingent beneficiary in case the spouse dies first or they both die at the same time. In this case the contingent beneficiary would receive the proceeds.
What happens to your life insurance if you stop paying premiums?
Answer: In general if you stop paying on a term policy, the insurance benefit goes away and the policy is cancelled. There is no refund and no death benefit. With a permanent policy it will depend on your specific policy. If you have accumulated some cash value in the policy you may receive an automatic policy loan to make the premium payment for you. Some policies will provide for an amount of reduced, paid up insurance based on the premiums you have paid. Some policies may provide an extended term policy while the cash value is used to pay the premium. Understanding how your policy will work is important since all policies are not exactly the same.
How often should someone review or update their life insurance policy?
Answer: You should review your policy with your insurance agent at least once per year. Different life changing events can cause your insurance needs to change. You may need more or less depending on your circumstances. Another important aspect is to make sure your beneficiaries are up to date. Changes in family dynamics may make you want to change beneficiaries. Remember, whoever's name is on the contract will receive the proceeds from the policy.
Why do so many people let their life insurance policies lapse?
Answer: People allow their policy to lapse for different reasons. The most common is they don't feel they can afford it anymore. This could be do to the loss of income or an increase in other expenses. This is why it is important to review your policy each year, not just to check on the price, but to revisit the need that you have and the protection that you are providing for your loved ones. If we stop seeing the value and only see the price, we may give up one of the most important products we could ever purchase.
How does life insurance work if you have a dangerous job or risky hobbies?
Answer: Dangerous jobs and hobbies generally raise the price of life insurance. The amount depends on a variety of factors. These include, the specific activity, how often you do it, the training you have and the level of risk associated with the activity. A good example is underwater diving. A recreational diver that only dives 50-50 feet a few times a year will most likely receive a better price than someone who cave dives or works as a diver and spend large amounts of time underwater.
What is the difference between an independent agent and a captive agent?
Answer: AN independent agent is able to sell insurance for a variety of carriers. This offers clients more choices in carriers and pricing. A captive agent can only for one carrier.