About
A Deschenes Financial Services agency
Own Living Benefits is the life insurance practice of Deschenes Financial Services, an independent agency in San Antonio, Texas, founded in 1989.
Why a whole site about one rider
Because most people who own life insurance do not have living benefits and do not know they could, at the same price. We spend our days explaining one idea — that a life policy can pay you while you are alive — and quoting it properly across carriers. A single-purpose site keeps that explanation clear.
How we work
- Independent: appointed with several carriers, tied to none.
- Plain language: we read the rider wording with you, not just the marketing sheet.
- Same-day response during business hours, and a person who stays on your file.
- Paid by commission from the carrier only when you place a policy; quotes are free and carry no obligation.
Why trust us
Credentials you can check yourself
Every claim on this page is a matter of public record. Look up the licence with the Texas Department of Insurance, or the rating with the BBB.
A+
Better Business Bureau rating
Accredited with zero complaints on file, under Deschenes Financial Services.
1989
Serving Texas since
More than three decades placing coverage for Texas families through Deschenes Financial Services.
Licensed
Texas insurance agency
Mark Deschenes, General Agent. NPN 1068695, Texas licence 16046.
Find out what living benefits would cost you.
Send us the basics and we come back the same business day with options from carriers that fit — and a plain explanation of what each rider actually pays.
Or call the office during business hours:
210-696-7900