Independent Insurance Agent · Serving All of Texas
Insurance built around you — not the other way around.
For more than 30 years, William Zapalac has helped individuals, families, and businesses across Texas protect what matters most. As an independent agent, William works for you — not for a single insurance company — which means honest guidance, the right coverage, and a plan that fits your life and your budget.
Licensed & Trusted
Personalized Plans
Licensed Statewide
Your Trusted Coverage Partner
Life · Health · Dental · Disability · Medicare
Our Services
Comprehensive Coverage for Every Stage of Life
From protecting your family’s future to building a benefits package for your team, William Zapalac offers a full suite of insurance solutions tailored to your needs — including Medicare.
Life Insurance
Protect the people who depend on you. William Zapalac helps you find life insurance that provides financial security for your loved ones — covering everything from income replacement and mortgage protection to final expenses and long-term legacy planning. Whether you need term, whole, or a policy tailored to a specific goal, he’ll help you understand your options and choose with confidence.
Health Insurance
Quality healthcare coverage shouldn’t be a guessing game. William Zapalac guides you through today’s complex health insurance landscape — helping individuals, families, and businesses find plans that balance meaningful coverage with a premium that makes sense. He’ll explain the fine print, compare networks and benefits, and make sure you know exactly what you’re getting.
Dental Insurance
Keep your smile — and your budget — healthy. From routine cleanings and preventive care to major procedures, William Zapalac helps you secure dental coverage that keeps costs predictable and care accessible, for individuals and groups alike.
Disability Insurance
Your ability to earn a living is one of your most valuable assets. Disability insurance replaces a portion of your income if illness or injury keeps you from working, so you can focus on recovery instead of finances. William Zapalac helps you put the right protection in place before you ever need it.
Medicare Supplements
Medicare Parts A and B cover a great deal, but not everything. A Medicare Supplement policy (also called Medigap) works alongside Original Medicare to pick up the deductibles, copays, and coinsurance it leaves behind, so your medical bills stay predictable. Supplement plans let you see any provider in the country who accepts Medicare — no networks, no referrals — and William Zapalac will help you weigh that freedom against the premium.
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
Not connected with or endorsed by the United States government or the federal Medicare program.
Medicare Advantage
Medicare Advantage (Part C) bundles your hospital and medical coverage into a single plan from a private insurer approved by Medicare, and many plans include prescription drug coverage plus dental, vision, and hearing. Plans use provider networks and vary county by county. William Zapalac helps you compare what’s actually available where you live, check whether your doctors and prescriptions are covered, and understand the enrollment periods so you don’t miss a window.
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
Not connected with or endorsed by the United States government or the federal Medicare program.
Whether it’s just you or your whole team — William has you covered.
Individual & Family Coverage
Personalized plans for you and the people you love. William Zapalac takes the time to understand your needs, your budget, and your goals, then matches you with coverage that delivers real peace of mind.
Group & Business Coverage
Attract and retain great people with competitive benefits. William helps business owners design group life, health, dental, and disability packages that support employees and strengthen your company — without the administrative headache.
Why William Zapalac
Why Choose William
30+ Years of Experience
Three decades helping Texans and Texas businesses protect what matters.
Independent Agent
Not tied to one company. William shops the top providers to find the best fit for you.
Top-Rated Providers
Access to the nation’s leading, financially strong insurance carriers.
Personalized Service
Real advice from a real person who takes the time to understand your needs.
Relationships That Last
William’s clients stay with him for years — because he’s there long after the policy is signed.
Serving All of Texas
From Houston to El Paso, the Valley to the Panhandle — wherever you are in Texas, William is licensed to help.
Three decades of protecting Texas families and businesses.
William Zapalac has spent more than 30 years doing one thing exceptionally well: helping people protect what they’ve worked so hard to build. As an independent insurance agent serving clients throughout the state of Texas, William has built his practice on a simple belief — that great insurance starts with a great relationship.
He takes the time to listen, to understand your situation, and to explain your options in plain language. He partners with the top insurance providers in the country, giving you access to strong, reliable coverage across life, health, dental, and disability insurance, as well as Medicare Supplements and Medicare Advantage plans. And whether you’re an individual looking for peace of mind or a business owner building a benefits package for your team, William brings the same commitment to quality service and honest guidance.
Many of William’s clients have been with him for years — some for decades. They stay because he’s earned their trust, one conversation at a time.
Questions? Start here.
What does it mean that William is an “independent” insurance agent?
What types of insurance does William offer?
Do you work with individuals or businesses?
How much does coverage cost?
How experienced is William?
What areas do you serve?
What’s the difference between a Medicare Supplement and a Medicare Advantage plan?
How do I get started?
What if my needs change after I have a policy?
Free Consultation
Let’s find the right coverage for you.
You deserve an insurance plan that fits your life — and an advisor who’s there when you need him. Reach out today for a free, no-pressure consultation, and let William put his experience to work for you.
Phone: 512-289-9222 · Email: bill@williamzapalac.com · Serving: All of Texas