Insurance & Financial Guidance in Waco and Surrounding Areas

Clear answers from a local Waco insurance advisor who compares multiple carriers, explains your options in plain English, and helps you choose the right coverage—without pressure.

Appointments Available After Hours & Saturdays — Submit Form 24/7

Compare Multiple Carriers
Fast, Responsive Support
No-Pressure Guidance
Serving Waco & McLennan County

Local Guidance Built on Experience, Clarity, and Fast Response

Making decisions about insurance or retirement planning can feel confusing, especially when every option sounds the same and the details matter. Whether you're exploring final expense coverage, reviewing your policies, or looking at alternatives to traditional savings, most people just want clear guidance they can trust.



Working with an independent insurance agent in Waco means you can compare options across multiple carriers instead of being limited to one company. Lillard Financial & Insurance helps clients across Waco and McLennan County understand what matters, compare real options, and move forward with confidence.

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Insurance & Financial Services for Waco and Surrounding Areas

Start by learning about your options. Each service is designed to help you understand what fits your situation before making a decision.

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Final Expense & Burial Insurance

Plan ahead and reduce the financial burden on your family. We help you compare simple coverage options and understand what makes the most sense for your situation.

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CD alternatives & Retirement Solutions

If traditional savings feel limited, explore tax-deferred options designed for long-term stability and income planning.

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Personal Insurance

Auto, home, and renters coverage should match your real life—not just minimum requirements. We help you review and compare options across multiple carriers.

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Life Insurance Planning

Understand the differences between term and whole life coverage and choose a plan that supports your long-term goals.

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A Straightforward Approach to Finding the Right Coverage

“Gil took the time to explain everything clearly and helped me compare multiple options. I never felt pressured, and I ended up with coverage that actually fit what I needed.”

Compare Multiple Carriers

We shop multiple options so you can choose what fits your needs and your budget.

Responsive, Local Support

You won’t be waiting days for answers—we follow up quickly so you can move forward.

Clear, Plainspoken Guidance

You’ll understand what you’re choosing before you make a decision.

Client-Focused Recommendations

Every option is based on your situation—not a one-size-fits-all solution.

Competitive Options Without Pressure

We help you find strong coverage at a competitive price by comparing carriers.

Meet Gil Lillard

Choosing the right insurance or financial strategy often comes down to who you trust to guide you. Gil Lillard built Lillard Financial & Insurance around a simple idea—help people understand their options, compare real choices, and make confident decisions without pressure.


With years of experience working directly with individuals, families, and business owners, Gil focuses on keeping things clear and practical. Instead of pushing one solution, he shops multiple carriers, explains what actually matters, and helps clients find coverage that fits their needs and their budget.


Clients across Waco and McLennan County often come in unsure of what they need. They leave with a clear plan, a better understanding of their options, and confidence in the decision they’ve made.


“Most people don’t need more options—they need someone to help them understand which ones actually make sense. That’s what I focus on every day.”


Whether you're planning ahead with final expense coverage, reviewing your insurance, or exploring retirement options, you’ll get straightforward guidance, fast follow-up, and a process built around you.

What Our Clients Say

We’re proud to serve generations of families who trust us with their most important coverage decisions. Here's what a few of them had to say.

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Support for Individuals, Families, and Business Owners

Families & Individuals

Get clear guidance so you can protect what matters without second-guessing.

Business Owners

Build a coverage strategy that protects your business as it grows.

Pre-Retirees & Retirees

 Compare retirement and protection options with confidence.

Legacy Planning—Included at No Additional Cost

When you secure life or final expense coverage through Lillard Financial & Insurance, you’ll also receive a complimentary legacy planning consultation.



We’ll help you organize your wishes, document important details, and make sure your family has clear guidance when it matters most—all in one place.

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Proudly Serving Waco and Surrounding Areas

Proudly serving Waco and the surrounding areas, Lillard Financial & Insurance is based in Waco and focused on helping families and businesses throughout McLennan County. This local-first approach supports faster response times and more personalized guidance. In addition to its strong Waco foundation, the firm also works with clients in nearby counties, including Bosque, Bell, and Falls, as well as the broader Austin metro area.

Get Clear Answers and Take the Next Step

If you're in Waco, McLennan County, or nearby communities like Woodway, Hewitt, or Temple, you can schedule a conversation and review your coverage with a local advisor—without pressure.