The True Cost of Life Insurance is Confusion. Get a Free, Clear Policy Blueprint from Certified Texas Insurance Advisors.
Texas-Rooted & Regulated: Licensed by the Texas Department of Insurance (TDI)
Services available only to Texas residents
Overdelivery Risk Advisors LLC
License # 3427856Texas Families Served: Real Texas neighbors — moms, dads, business owners, and grandparents — who sleep better knowing their families are protected.Only A-Rated or Better Carriers: We partner exclusively with carriers, maintaining an A (Excellent) or better rating from AM Best.
Frequenly Asked Questions
How are you able to get me lower rates than anyone else?
We’re an independent Texas brokerage. We shop 1+ A-rated carriers in real time and bring you the lowest approvable rate.
Do I have to take a medical exam?
Most clients don’t. We have no-exam options up to $2 million (and final-expense up to age 89 with zero health questions). If an exam gets you a better rate, we’ll tell you upfront.
How fast is the whole process?
0-second quote → application submitted same day → most policies approved and active in 48 hours or less. You’ll know your exact rate before your next meal..
I already have coverage — is it worth checking?
73 % of people who run a free comparison with us either save money, get better coverage, or both. Takes 5 minutes and costs nothing.
Free Consultation
Contact us and we can customize a Tailored Plan for your needs.
Why Texas Families Trust Us
1. 100 % Impartial Advice
We shop 15+ A-rated carriers (Prudential, Protective, Banner, Pacific Life, etc.) and only win when you do.
2. Zero-Pressure Promise
If we can’t beat what you already have in price or coverage, we’ll tell you upfront and part as friends.
3. Free Lifetime Reviews
New baby, new house, new job? We re-shop your coverage every year at no cost — forever.
4. Expertise
TDI-licensed and focused exclusively on Texas families and Texas insurance laws — from Amarillo to the Rio Grande Valley.
5. Licensed & Focused
We uphold the same professional Overdelivery Standard for every client, ensuring expert navigation and service.
Special Offer
Most Texas Families Are Overpaying by $800–$2,400 Per Year —
Are You One of Them?
Take 2 minutes right now to see exactly how much you could save with zero obligation.
To empower individuals, families, and businesses to navigate the future with greater financial confidence. We fulfill this mission by providing expert, tailored risk solutions, comprehensive guidance, and a steadfast commitment to exceptional service, ensuring our clients receive the protection they need to be securely prepared.
Hi, I’m Mohammed Ali Adie.I started Overdelivery Risk Advisors because I believe Texas families deserve simple, honest help protecting what matters most.
My only job is to find you the strongest coverage at the lowest rate you qualify for today, and then stay in your corner for life (whether that’s celebrating a new baby, buying a bigger home, or just making sure your plan still fits).
No pressure, no games, just someone you can count on.
© 2025 Overdelivery Risk AdvisorsOverdelivery Risk Advisors, LLC
Texas Department of Insurance License #3427856 | Independent Life Insurance Agency | Serving Texas residents only
Verify our license with TDI: https://www.tdi.texas.gov/agent/agent-lookup.htmlPhone: (979) 205-2550
Email: [email protected]
Privacy Requests: [email protected]Office Address
5900 Balcones Drive STE 100
Austin, Texas 78731
United StatesPrivacy Policy | Terms of Service | Do Not Sell or Share My Info ([email protected])© 2025 Overdelivery Risk Advisors, LLC. All rights reserved.
Life insurance quotes are not a guarantee of coverage. All applications are subject to underwriting approval by the insurance carrier.
File a complaint with Texas Department of Insurance → https://www.tdi.texas.gov/consumer/complaint.html