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Medicare Products, Long Term Care, Final Expense, Life, Dental & Annuities

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Medicare Advantage, Prescription Drug Plans, Medicare Supplement Insurance, or other insurance plans.
Other Products

In addition to Medicare Products and Long Term Care Insurance, we are committed to a fully balanced portfolio of products.

Term Life Insurance

The best use for Term Life Insurance is to protect your home and growing family. Term policies can provide a large amount of benefit for the least premium.

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Whole Life

Whole life insurance is a good choice for you if you want to ensure that you have a life insurance policy in place for your entire lifetime and can comfortably afford the premiums, or if it fits within the framework of your estate or retirement plan.

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Universal Life

Since a universal life policy is an investment vehicle along with a life insurance policy, people who feel they need life insurance into their 70's would benefit from a universal life policy.

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Individual Health Insurance

Individual health insurance is coverage that a person buys independently. It can be sold to a single individual, to a parent and dependent children, or to a family.

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Group Health Benefits

Group health insurance coverage is a policy that is purchased by an employer and is offered to eligible employees of the company (and often to the employees' family members) as a benefit of working for that company. The majority of Americans have group health insurance coverage through their employer or the employer of a family member.

Many people don't realize that health insurance is issued differently for different types of employers, and that because insurance is regulated at the state level of government, the laws regarding health insurance offered by the different types of employers can vary significantly from state to state. Millions of Americans work for small employers, which for health insurance purposes are generally those with 50 employees or less. Millions of other Americans get their health insurance coverage through large employers. Generally, those are business with more than 50 employees. The laws about how coverage can be issued to large groups are different than those for small groups, and the way that premium rates are determined is also different.

Federal law mandates that no matter what pre-existing health conditions small employer group members may have, no small employer or an individual employee can be turned down by an insurance company for group coverage. This requirement is known in the insurance industry as 'guaranteed issue'. In addition, each insurance company must renew its small employer health plan contracts every year, at the employer's discretion, unless there is non-payment of premium, the employer has committed fraud or intentional misrepresentation, or the employer has not complied with the terms of the health insurance contract.
Dental Insurance

If you anticipate that your dental treatments will cost more than $500 per year, it might make sense for you to consider buying a policy or participating in a dental plan at work.

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Fixed Annuities

An annuity is a contract between you and an insurance company that is designed to meet retirement and other long-range goals, under which you make a lump-sum payment or series of payments.

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Worksite Products

Worksite Insurance Plans are made available on a group and individual platform basis...

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Discount Products

Worksite Insurance Plans are made available on a group and individual platform basis...

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The Companies We Keep:

  • Aetna
  • American General
  • Blue Cross Blue Shield of Texas
  • Columbus Life
  • Genworth
  • Humana
  • LifeSecure
  • Lincoln National
  • Mutual of Omaha
  • North American Life
  • United Healthcare