Insurance El Paso TX

Insurance is a form of risk management, where one party pays another to hedge against some type of loss. Insurance policies can be purchased for a number of different uses and to protect against a variety of losses. Life insurance, auto insurance homeowners insurance, and health insurance are some of the most common types that people pay for. In these instances people are hedging against sickness and loss of life as well as damage and destruction of property at the hands of others. There are differing laws throughout the country that govern the necessity of having certain types of insurance.

Allstate=Prospero Agency
(915) 542-1626
6516 Escondido Ste A3
El Paso, TX
Services
915-542-1626
Prices and/or Promotions
Renters Insurance

Greg White Allstate Insurance
(281) 492-2626
15810 Park 10 Pl. #155
Houston, TX
Alternate Phone Number
877-208-5283

Medigap Select of Texas
(512) 868-5443
2913 Williams Drive, Suite 225
Georgetown, TX
Alternate Phone Number
866-849-5465
Services
Texas Medicare Supplements | Texas Medigap Insurance Plans

Knight Insurance Agency - Allstate Insurance
(281) 364-0161
25775 Oak Ridge Dr Ste 100
The Woodlands, TX
Alternate Phone Number
(281) 364-0161
Services
Auto, Home, Renters, Commercial, Motorcycle, RV, Life & Retirement

Brightway Insurance
(210) 510-2220
24165 IH-10 W # 220
San Antonio , TX
 
Texas Lawyers' InsuranceExchange
(512) 480-9074, (800) 252-9332
900 Congress Avenue, Suite 500 P.O. Box 13325
Austin, TX
Prices and/or Promotions
States/Provinces Served: Texas

Norman Spencer Marine Insurance
(832) 621-1287
300 Admiralty Way
Kemah, TX
Alternate Phone Number
832-621-1287

Michael Munn – State Farm Insurance
(903) 561-4535
6004 S Broadway Suite 302
Tyler, TX
Services
auto insurance, home insurance, life insurance, motorcycle insurance, renters insurance, business insurance

Bankers Life and Casualty
(361) 947-4438
444 Corona, Ste 131
Corpus Christi, TX
Alternate Phone Number
361-947-4438
Services
Medicare supplement insurance, Life Insurance, Long Term Care Insurance, Dental Insurance, Annuities

The May Insurance Group, LLC
(713) 807-8264
2621 S Shepherd, Ste 260
Houston, TX
 

Insurance

Insurance


Term Insurance or Whole Life Insurance?
By Jonas Zamora
March 13, 2007
Jonas Zamora is a Certified Financial PlannerTM professional. You may contact him at jzamora@zacks.com

There are two main types of insurance – term and permanent/whole life insurance. For many, term insurance is a good route because it is the least expensive life insurance. Some folks like the many bells and whistles that go with permanent insurance along with life time coverage. Of course this makes whole life insurance more costly.

Term Insurance

Term insurance is the least expensive. Benefits are payable at death as long as it occurs during the term of the policy. Coverage is purchased at a specific price for a specific period – the length of period can range usually from one year to 30 years.

If you have certain expenses that need to be paid off during a certain period, term is the way to go. Such expenses, like your mortgage or college education for children, are great examples of this. Let’s say you have a 15-year mortgage and your debt is $250,000. You may consider a 15-year policy to protect your family for the amount you owe. Same thing if you have young children. Match up the amount of insurance you buy with your expected tuition bill. Keep in mind that you must adjust today’s college expenses for inflation.

Remember that term insurance is inexpensive because your coverage lasts for a limited time and there is no investment component. The money you save by purchasing term instead of whole life, however, could always go into your own investment account or disability insurance.

Whole life/Permanent Insurance

Permanent or whole life insurance is more expensive and it covers you whether you die today or when you’re....

Click here to read the rest of this article at Zacks.com

Home Insurance

Over the last decade, the inflation cost of construction has far outpaced other sectors of the economy. If your homeowner insurance policy has not kept pace, you may have a coverage gap to be concerned about. Additionally, property owners create another coverage shortage by not advising their agent about additions and alteration upgrades. Most homeowner insurance policies contain clauses requiring an Insured to notify the agent and or insurance company when a renovation or addition increases the property replacement cost. The company is only obligated to pay up to the replacement cost of the documented square footage. You, as the homeowner, would have to make up the difference.

Attribution: All Choice Insurance Agency INCORPORATED

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