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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. The majority of Americans get their health insurance coverage through an employer or through a government program, but five percent of the population purchases private health coverage on an individual basis. Each state separately regulates how individual policies may be marketed and sold.

We sell insurance plans from many companies, which can help you find the coverage that best suits your individual needs.

Individual health insurance is very different than group health insurance, which is the type of insurance that is offered through an employer. Since laws mandating what types of services must be included in individual policies are often different than those dictating what must be included in group policies, benefits are generally less extensive than what most people would receive through coverage they have through work. Individual consumers may be surprised to learn that some benefits that may be considered 'standard' in a group policy, like maternity coverage or substance-abuse treatment, may not be included in an individual plan. Sometimes individual health insurance consumers have the option to pay extra for coverage of additional services like maternity coverage. This extra coverage is referred to as an optional rider.

Cost is often the primary factor for individual health insurance consumers, which is another reason why the benefits included in individual policies are often simpler. In addition, deductibles (the amount you have to pay before insurance benefits begin) and cost-sharing (the fees you pay directly to medical providers at the time of service) are also generally higher.

Individual health insurance companies are much more limited than group insurance companies in their ability to spread risk, so the laws concerning individual health insurance are different in most states. This means that applicants for individual insurance will need to complete a brief medical questionnaire when applying for benefits and, unlike a group insurance policy, in most states a company can decide not to cover people with very serious medical conditions (e.g., HIV or cancer), deeming them 'uninsurable'.
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.

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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