Texas Kids First
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This website offers a brief illustration of coverage offered through the Texas Kids First K-12 Student Accident Insurance Program. Texas Kids First offers plans for school districts, as well as individual insurance plans for families throughout Texas. These affordable, limited-benefit plans are designed to help offset deductibles and co-insurance. The policy issued will be the contract and will govern and control the payment of benefits.




Available Coverage Plans

At-School Accident Plan
At-School Accident Plan - No Athletics
$30 per school year
At-School Accident Plan including Athletics
$90 per school year
Provider Network
Texas Kids First Network
Deductible
$0
Medical Maximum
$25,000 per injury
At-School Accident Plan
including Athletics

The Plan covers the participation in or attending of School-Sponsored Activities & Athletics while on or away from School premises during the regular School Term. It covers travel directly, uninterruptedly and under the direct supervision of a qualified adult School authority to or from a School-Sponsored activity in a designated vehicle furnished by the school.

This plan excludes coverage for summer school sports activities, the practice and playing of High School Varsity Football, and overnight activities.
At-School Accident Plan
No Athletics

This Plan provides the same coverage as the At-School Accident Plan including Athletics except it does not cover the participation in School-Sponsored or Non School organized Athletics.

24-Hour Accident Plan
24-Hour Accident Plan - No Athletics
$80 per school year
24-Hour Accident Plan including Athletics
$180 per school year
Provider Network
Texas Kids First Network
Deductible
$0
Medical Maximum
$25,000 per injury
24-Hour Accident Plan
including Athletics

This Plan provides the same coverage as the At-School Accident Plan plus 24-hour around the clock coverage (before school, after school, weekends, vacations, and summer school).

This plan excludes coverage for the practice and playing of High School Varsity Football.
24-Hour Accident Plan
No Athletics

This Plan provides the same coverage as the At-School Accident Plan including Athletics except it does not cover the participation in School-Sponsored or Non School organized Athletics.

Football Accident Plan
FOOTBALL ACCIDENT PLAN is available to only those students enrolled in a district or private school insured with Texas Kids First.
Football Accident Plan
$325 per school year
Provider Network
Texas Kids First Network
Deductible
$250
Medical Maximum
$25,000 per injury
Football Accident Plan

The Plan covers any student practicing with or playing on the High School Varsity Football team during the regular School Term. The Plan provides coverage for both fall and spring semesters. It covers travel directly, uninterruptedly and under the direct supervision of a qualified adult School authority to or from a School-Sponsored Varsity Football activity in a designated vehicle furnished by the school.

This Plan excludes coverage for off-season football scrimmages.

The Football Accident plan has the same Schedule of Benefits as the At-School and 24 Hour insurance except for the deductible which is $250 per injury. The plan is available to only those students enrolled in a school district insured with Texas Kids First.

If you have any questions or concerns, please Contact us.
Term Life Insurance

Up to $25,000 Term Insurance that doubles to $50,000 at age 25!

Annual Premium Term Insurance Amount
$35.00 $10,000
$45.00 $15,000
$55.00 $20,000
$65.00 $25,000

Term Life Insurance

This is a guaranteed premium, Level Term plan to age 25 that converts to a Whole Life plan with twice the initial face amount of coverage. Premiums are level to age 25 and payable on an annual basis only. At age 25, the premium increases to a standard Whole Life rate and is payable on an annual, semi-annual, quarterly, or monthly basis (see brochure link for conversion tables).

 




Who We Are



The Texas Kids First program, marketed and managed by Legend Insurance Agency LLC, consists of experienced student accident insurance industry professionals and currently insures more than 350 school districts in Texas. The plans are administered by Universal Fidelity Life Insurance Company, which was founded in 1935.



The unique team making up Texas Kids First is comprised of professionals with backgrounds in Business, Finance, School Administration, and Coaching. The agents for Texas Kids First have been serving Texas school districts since 1980. Our agents represent the preeminent and largest group of student accident insurance agents in Texas, having written the most premium in the state of Texas for a number of years.



The mission of Texas Kids First is to provide the finest, most affordable insurance coverage available to all school-age children. For parents and school districts, we offer accident-only plans to insure students for injuries that occur while participating in school-sponsored activities and athletics.



Texas Kids First has unique access to one of the most creative innovations in the insurance industry: The Texas Kids First Provider Network. The network consists of medical professionals and hospitals that have agreed to treat injured students from our insured districts for the services paid and outlined in the Schedule of Benefits of the Texas Kids First Student Accident Plans.






Our Insurance Companies


Founded in 1935, Universal Fidelity Life Insurance Company has specialized in serving the senior market with Medicare Supplement and Long-Term Care products. Today, we remain committed to that market but we also have partnerships that bring niche based products to employee groups and individuals in all stages of life.

 

Unified Life Insurance Company is a stock life insurance company, incorporated in Texas in May 2001. The company is currently licensed to do business in 48 states and the District of Columbia and operates primarily as a re-insurer of life, health and annuity risks written by other companies who do not wish to retain such business. Unified Life functions primarily as a re-insurer, primarily of life insurance, but also annuity and accident and health coverage.

 

Great American Insurance Group’s roots go back to 1872 with the founding of its flagship company, Great American Insurance Company. Based in Cincinnati, Ohio, the operations of Great American Insurance Group are engaged primarily in property and casualty insurance, focusing on specialty commercial products for businesses, and in the sale of traditional fixed, fixed-indexed and variable-indexed annuities in the retail, financial institutions, broker-dealer and registered investment advisor markets. Great American Insurance Company has received an “A” (Excellent) or higher rating from the A.M. Best Company for more than 110 years (affirmed September 11, 2019).

 

Headquartered in Kansas City, Mo., our nation's heartland, FSL embraces Midwestern values as a solid foundation for profitable performance. For more than 30 years, FSL has been a company eager to discover and capitalize on new opportunities. Since receiving a charter from the Missouri Department of Insurance in 1969, FSL has remained flexible and responsive in providing products that match both agent and policyholder needs.



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