About Us

Lay & Williams Insurance Services is a Fort Worth‑based, privately held agency specializing in delivering tailored health insurance solutions to individuals, families, and businesses across Texas. Since 1983, the firm has earned a reputation for guiding clients through today’s complex healthcare and benefits environment with clarity, expertise, and a client‑first approach.

Their service portfolio spans individual and family medical plans, short‑term health options, dental and vision coverage, travel insurance, and comprehensive Medicare solutions—including Supplements, Advantage, and Drug Plans. On the business side, they expertly craft group health plans for small and large employers, paired with benefits such as health savings accounts (HSAs), disability, and life insurance. They represent a wide range of top-tier carriers—Aetna, BCBS Texas, Cigna, Humana, UnitedHealthcare—alongside trusted providers like Lincoln, MetLife, Prudential, and Mutual of Omaha.

Clients depend on Lay & Williams not just for access to competitive insurance products but for personalized guidance. Their credentials, including membership in the National Association of Benefit and Insurance Professionals, reflect deep industry knowledge. Agents remain active in state and national forums, tracking changes in healthcare legislation and benefit systems to ensure clients are well-informed and optimally covered.

Testimonials from long‑standing clients consistently applaud the team’s professionalism, availability, and mastery of the insurance landscape. Clients repeatedly note that Lay & Williams cuts through red tape, uncovers cost‑effective options, and maintains ongoing support—positioning the agency as a trusted partner, not just a provider.

Since its founding, Lay & Williams has brought a consultative, relationship‑driven model to every engagement. They begin with a comprehensive consultation, then leverage industry knowledge and carrier partnerships to develop benefit solutions that align precisely with each client’s financial objectives and coverage needs. With proactive support throughout the enrollment and claims processes—and a commitment to staying ahead of regulatory developments—the firm ensures seamless experiences for individuals and employers alike.

Today, Lay & Williams Insurance Services stands as a respected authority in Texas insurance markets. Whether helping families secure affordable individual or Medicare coverage, or assisting businesses in building effective group benefit programs, they deliver strategies designed to maximize protection, manage costs, and minimize administrative burdens—all backed by responsive, high‑touch service.