Milton Fregia, Life Insurance Broker
Milton Fregia
Fregia Health Insurance Services
Life Insurance Broker Licensed in TX
13+ Years of Experience
Contact Details
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Location
Liberty, TX
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Website
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LinkedIn
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Milton Can Help With:
About Me
With over 13 years of experience, I help individuals and families protect what matters most through personalized life insurance solutions. I work with multiple top-rated insurance companies to compare coverage options and find plans that fit each client’s needs, goals, and budget.
Whether you are looking for term life insurance, final expense coverage, mortgage protection, or long-term financial security for your family, I take the time to explain your options in a simple and honest way.
My goal is to help provide peace of mind by making sure your loved ones are financially protected for the future. I believe in building long-term relationships and providing dependable service before, during, and after the policy is issued.
At Fregia Health Insurance Services, we work for you—not the insurance companies—so you can feel confident you’re getting the right coverage at the right value.
Directions to My Office
My Google Reviews
30 Total Reviews (4.9)
June 13, 2026
The experience was great he was very knowledgeable about the plans and help us pick the right one for my wife
June 13, 2026
The experience was great he was very knowledgeable about the plans and help us pick the right one for my wife
June 11, 2026
Milton presented options till we found the one that appeared to fit and so far is working as expected and explained.
June 11, 2026
Milton presented options till we found the one that appeared to fit and so far is working as expected and explained.
June 11, 2026
Q&A with Milton Fregia
Can I get life insurance if I smoke or vape?
Answer: Yes—you can still get life insurance if you smoke or vape, but there are a few important things to understand. Insurance companies group people into categories based on health risk. Smoking or vaping often puts you in a “tobacco user” category.
What is the most common mistake people make when buying life insurance?
Answer: Buying too little coverage or the wrong coverage. People often underestimate how much coverage is required for income, debts, and future expenses. Others pick the cheapest policy, even if it won’t fully protect their family. When something happens, the policy doesn’t do the job it was meant to do.
Can I change my life insurance policy after I buy it?
Answer: Yes, but it depends on the insurance carrier and type of policy. Increasing or decreasing coverage, and/or adding riders may require new health questions and sometimes a medical exam.
Is whole life insurance the same as permanent life insurance?
Answer: Whole life is a type of permanent life insurance. Other types of permanent life insurance are Universal Life, and Variable Life.
Can I get life insurance if I have diabetes or heart disease?
Answer: Having diabetes or heart problems doesn’t mean you can’t get life insurance. It just means we need to find the right company that works best with your health.