Insurance & Financial Guidance for Bosque County Families and Businesses
Clear answers from a local Central Texas insurance advisor who compares multiple carriers, explains your options in plain English, and helps you choose coverage that fits your needs—without pressure.
While Lillard Financial & Insurance is based in Waco, we proudly work with individuals, families, retirees, and business owners throughout Bosque County who want responsive service and straightforward guidance they can trust.
Appointments Available After Hours & Saturdays — Submit Form 24/7
Compare Multiple Carriers
Fast, Responsive Support
No-Pressure Guidance
Serving Waco & McLennan County
Local Insurance Guidance with a Personal, Straightforward Approach
Insurance and retirement planning decisions can feel overwhelming when every option sounds similar and the details matter. Whether you’re reviewing life insurance, exploring final expense coverage, comparing Medicare supplement plans, or looking at retirement-focused CD alternatives, most people simply want someone who will explain things clearly.
Working with an independent insurance agent means you can compare options across multiple carriers instead of being limited to a single company. Lillard Financial & Insurance helps Bosque County clients understand their choices, compare real coverage options, and make informed decisions with confidence.

Insurance & Financial Services for Bosque County Residents
Start by learning about your options. Each service is designed to help you understand what fits your situation before making a decision.
Final Expense & Burial Insurance
Help protect your family from unexpected funeral and end-of-life expenses with simple coverage options designed to fit your goals and budget.
CD Alternatives & Retirement Solutions
Explore retirement-focused alternatives to traditional savings strategies, including tax-deferred options designed for long-term planning and stability.
Business Insurance Solutions
Protect your business with practical coverage guidance for liability, commercial property, workers compensation, and more.
Personal Insurance Coverage
Compare auto, home, renters, landlord, and umbrella insurance options across multiple carriers with guidance tailored to your situation.
Health & Medicare Options
Understand Medicare supplement plans, individual coverage, and health insurance options with straightforward explanations and responsive support.
Life Insurance Planning
Review term life, whole life, and legacy-focused protection strategies designed to support your family’s long-term needs.
Why Bosque County Clients Work with Lillard Financial & Insurance
“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 help you compare multiple insurance and financial solutions side-by-side so you can make informed decisions.
Responsive, Local Support
Fast communication and dependable follow-up help make the process easier and less stressful.
Clear, Plainspoken Guidance
You’ll understand your options before making decisions—without confusing industry jargon or sales pressure.
Client-Focused Recommendations
Every recommendation is based on your needs, goals, and budget rather than a one-size-fits-all approach.
Competitive Options Without Pressure
We help clients find strong coverage at competitive pricing by comparing multiple carrier options.
Meet Gil Lillard
Choosing the right insurance or retirement strategy often comes down to having someone you trust to explain your options clearly and help you make confident decisions. Gil Lillard built Lillard Financial & Insurance around a simple approach—help people throughout Bosque County and surrounding Central Texas communities compare real options, understand what matters, and move forward without pressure.
With years of experience working directly with individuals, families, retirees, and business owners, Gil focuses on keeping insurance and retirement planning practical and easy to understand. Instead of pushing one company or one-size-fits-all solutions, he compares multiple carriers and helps clients find coverage that fits their goals, priorities, and budget.
Many clients come in unsure about:
- Which coverage they actually need
- Whether they are overpaying
- How retirement-focused products work
- What protection makes the most sense for their family or business
They leave with clearer answers, a better understanding of their options, and confidence in the decisions 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 reviewing your insurance, planning ahead with final expense coverage, or exploring retirement and Medicare options, you’ll receive straightforward guidance, responsive support, and a process built around your needs.
What Our Clients Say
We’re proud to serve individuals, families, retirees, and business owners throughout Bosque County and surrounding Central Texas communities who trust us for clear guidance, responsive support, and long-term insurance planning. Here’s what a few of our clients had to say.

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
Families throughout Bosque County and surrounding Central Texas communities often want more than just insurance coverage—they want peace of mind that important details are organized and their loved ones will have clear guidance in the future.
When you secure life insurance or final expense coverage through Lillard Financial & Insurance, you’ll also receive a complimentary legacy planning consultation designed to help you prepare important information, document your wishes, and make future decisions easier for your family.
Proudly Serving Bosque County and Surrounding Communities
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.






