About Lillard Financial & Insurance in Waco, TX
Work with a local, independent insurance agency in Waco, TX focused on helping you compare options, understand what matters, and make confident decisions without pressure.
Gil Lillard has spent more than 40 years helping individuals, families, and business owners protect what matters most. As a lifelong resident of Waco, Texas, he understands the needs of local families and brings a practical, real-world approach to insurance and financial decisions.
Before entering the insurance industry, Gil built and operated multiple successful businesses, including restaurants, a catering company, a vending operation, and a wholesale food business. That entrepreneurial background shapes how he works today—focused on real solutions, not theory.
After being introduced to the insurance industry, Gil quickly built a successful career and expanded his expertise across life, health, property and casualty insurance, as well as retirement and legacy planning strategies. He earned his Life Underwriters Training Council Fellow (LUTCF) designation and became a Registered Representative, strengthening his ability to guide clients through more complex financial decisions.
Today, as an independent insurance agent in Waco, Gil focuses on helping clients compare multiple options, understand tradeoffs, and choose coverage that fits their needs and their budget.
Meet Gil Lillard
“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.”
Our Mission: Protect Families & Legacies
At Lillard Financial & Insurance, the goal is simple—help people protect their families, their businesses, and their long-term plans with clarity and confidence.
That means:
- Explaining options in plain English
- Comparing multiple carriers to find competitive solutions
- Helping clients make decisions without pressure
- Providing fast, responsive support when it matters
Whether it’s final expense planning, insurance coverage, or retirement strategies, every recommendation is built around what works best for the client—not what’s easiest to sell.
What “Independent Agent” Means for You
Discovery & Document Review
We begin with a detailed consultation to understand your family structure, assets, concerns, and goals. If you have existing documents like a will or power of attorney, we’ll review them to identify any gaps, outdated language, or potential risks.
Discovery & Document Review
We begin with a detailed consultation to understand your family structure, assets, concerns, and goals. If you have existing documents like a will or power of attorney, we’ll review them to identify any gaps, outdated language, or potential risks.
What “Independent Agent” Means for You
Working with an independent insurance agent in Waco means you’re not limited to a single company’s products. Instead, you get:
Access to multiple insurance carriers
Side-by-side comparisons of coverage options
Flexibility to find solutions that fit your needs
Guidance focused on value—not just price
This approach helps clients across Waco and McLennan County find coverage that fits their situation while staying competitive.
If you want to see how different carriers compare, you can explore available options through our carrier network.
How We Work
Most clients come in with questions, not clear answers. The process is designed to make things simple and easy to follow:
Listen
Start by understanding your situation, goals, and concerns.
Compare
Review options across multiple carriers and strategies.
Recommend
Narrow down choices and explain what actually fits.
Support
Stay available for questions, changes, and future needs.
This approach helps remove confusion and gives you confidence in the decisions you make.
Community & Local Roots in Waco
Lillard Financial & Insurance is built on long-standing ties to the Waco community. Gil has lived and worked in the area for decades, serving both clients and the community in meaningful ways.
He served on the Woodway City Council for 8 years and was Mayor Pro Tem of Waco from 2010 to 2012. He has also supported local organizations, including fundraising efforts for the West Shore Volunteer Fire Department.
This local connection means you’re working with someone who understands the community—not just the industry.
If you're in Waco or anywhere in McLennan County, you’ll receive guidance from someone who is invested in the people and the area.
FAQs
Is Lillard Financial & Insurance an independent agency?
Yes. As an independent insurance agency in Waco, TX, we work with multiple carriers to help you compare options and find coverage that fits your needs.
How long has Gil Lillard been in the insurance industry?
Gil has over 40 years of experience helping clients with insurance and financial planning decisions.
What types of services do you offer?
We provide guidance across final expense insurance, personal and commercial coverage, health and Medicare options, life insurance, and retirement strategies.
Do you serve areas outside of Waco?
Yes. While based in Waco, we serve clients throughout McLennan County and nearby areas.
How do I get started?
The best first step is to schedule a conversation so we can understand your needs and walk through your options.
Get Clear Answers Without the Pressure
If you’re looking for straightforward guidance and real comparisons—not a sales pitch—you’re in the right place. Lillard Financial & Insurance is built around helping you understand your options, weigh the tradeoffs, and move forward with confidence.
Whether you’re planning ahead, reviewing current coverage, or just starting to explore what’s available, you can expect a simple, honest conversation focused on what makes sense for you.
Schedule a free consultation to get your questions answered and see how your options compare.
