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Insurance Tyler 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.

TWFG Insurance Services
(903) 526-2626
1313 South Vine
Tyler, TX
 
Goosehead Insurance - Collin Phaup
(903) 534-5800
6761 Old Jacksonville Hwy
Tyler, TX
Alternate Phone Number
903-534-5800
Services
Home, Auto, Life, Small Business Insurance

Biscoe Ins Group Inc
(512) 388-2121
12233 RR 620 N
Austin, TX
 
Farmers Insurance
(512) 789-6644
8310 N CAPITAL OF TEXAS HWY STE 497
AUSTIN, TX
 
Brown Allstate Insurance Agency
(903) 885-5400
204 W. Shannon Road
Sulphur Springs, TX
Alternate Phone Number
903-434-9705
Services
903.-885-5400

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

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

Brooks Insurance
(713) 429-1487
11606 Highgrove
Houston, TX
Alternate Phone Number
(713) 429-1487
Services
health & Care

Heather Lee Insurance
(817) 370-8822
5700 McCart Ave
Fort Worth, TX
Alternate Phone Number
(817) 370-8822
Services
Home - Auto - Commercial - Income Tax

Inspire Insurance Solutions, Inc.
(512) 828-4200
9600 Great Hills Trail , Suite 150w
Austin, TX
Alternate Phone Number
512-828-4200
Services
Austin Business Insurance, General Liability Austin, Business Insurance Austin ~ Austin business insurance, General Liability Insurance Austin ~ Business Insurance Austin , Austin General Liability Insurance ~ austin home insurance, insurance

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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