Insurance Mcallen 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.

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

The May Insurance Group, LLC
(713) 807-8264
2621 S Shepherd, Ste 260
Houston, TX
 
Carroll & Delaune Insurance Svcs
(512) 828-7010
3432 Greystone Dr Ste 102
Austin, TX
Alternate Phone Number
512-828-7010
Services
Home, Auto, Life, Fixed Annuities, Small Business, and Commercial

RecruiteMePlease
(806) 555-1212
4630 50th Street
Lubbock, TX
Services
Currently Hiring for our expanding Lubbock Branch!
Prices and/or Promotions
Part-Time and Full-Time positions available!

Ritz Insurance Agency
(979) 215-4504
222 South Velasco, Suite B
Angleton, TX
Alternate Phone Number
979-848-3000
Services
Home, Auto and Life Insurance

TWFG Insurance Services
(903) 526-2626
1313 South Vine
Tyler, TX
 
State Farm Insurance Ted Heaton
(512) 343-8774
3933 Steck Ave Suite B-111
Austin, TX
Alternate Phone Number
512-343-8774
Services
Auto Insurance, Car Insurance, Home Insurance, Homeowners Insurance, Condo Insurance, Life Insurance, Health Insurance, Commercial Insurance, Business Insurance, Renters Insurance

Risk Guru Inc.
(972) 713-6363
16950 Dallas Parkway
Dallas, TX
Services
Auto Insurance Agency,Car Insurance,Home Insurance,Motorcycle Insurance,Renter's Insurance

Connect Insurance
(682) 518-6594
50 Forest Mill Trl Suite 100
mansfield, TX
Alternate Phone Number
(682)518-6594
Services
insurance

Andrea Walton State Farm
(972) 617-7770
302 East Ovilla Road
Red Oak, TX
Alternate Phone Number
972 617-7770

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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