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How does term life insurance differ from permanent life insurance?

Permanent life insurance is intended to provide protection for your entire life. Generally, the premiums for permanent insurance are higher at least initially than for the same amount of term insurance. A portion of the permanent life insurance premium is used to build-up a cash value in the policy. The cash value can be used in a number of different ways including allowing you to take out a loan against the cash value. Term insurance, as described in question one, provides protection only for a specified period of time and typically does not build up any cash value.

What is the difference between comprehensive and collision?

Collision coverage is when you have a collision with something like another car. Comprehensive coverage is when it is anything else other than a collision such as fire or theft. Most people would have both coverage’s when using the car on a regular basis. Sometimes when one is just storing a car they may only keep comprehensive coverage since they are not using it on the road therefore, it is unlikely to be in a collision.


Do I really have to buy health insurance?

The Affordable Care Act’s “individual mandate” requires all Americans, with a few exceptions, to have health insurance that typically offers “minimum essential coverage.” Going without insurance could bring a tax penalty. For 2014, that penalty is 1 percent of your annual income or $95, whichever is higher, and $47.50 for each uninsured child, to a family cap of $285. The penalty increases to the greater of 2.5 percent of income or $695 per person by 2016. The penalty will show up as an additional tax or a reduction in your federal tax refund. (

What Is Business Insurance?

?The term “business insurance” encompasses all the different types of coverage available to protect business owners from losses. Through business insurance, you can cover your property and business vehicles, insure against legal claims against the business such as liability or workers’ compensation, and also provide health insurance for your employees, among other things.

What factors determine my cost for coverage?

Your monthly premium is determined by the specific plan you select which factors your deductible, out of pocket maximums and service level.  

Can I purchase insurance from you or do I need to check the Affordable Health Care open exchange?

Our agents are available to answer any questions related to health insurance plans and coverage; however, to determine if you are eligible to lower your premium costs, you will need to access the health exchange marketplace at

Health Insurance FAQ

How do I know what coverage I need and where can I get my questions answered?

There’s an official website managed my the US government called Medicare Plan Finder ( this website allows you “to compare plans by plan type and find out what the coverage, benefits, and estimated costs would be in each plan. It also shows you how Medicare has rated the plans’ quality and performance” [Learn How Medicare Works 2015].  You can also contact an agent in our office directly.

Answers to some of frequently asked questions related to Medicare and Medicare Coverage.

What is the difference between Medicare Part A&B?

Medicare Part A covers Part A (Hospital Insurance) helps cover: Inpatient care in hospitals, Inpatient care in a skilled nursing facility (not custodial or

long?term care), Hospice care, Home health care, Inpatient care in a religious non-medical health care, institution hospital visits and Medicare Part B (Medical Insurance) helps cover medically necessary doctors’ services, outpatient care, home health services, durable medical equipment, and other medical services. Part B also covers many preventive services is general medical insurance. [Learn How Medicare Works, 2015]

Medicare FAQ

Does my current policy meet the requirements for car rental?

Car rental companies charge daily fees for Collision Damage Waiver “CDW” coverage (which means their insurance will pay for all damages covered in your rental agreement). Rental car coverage under a private passenger policy varies state by state. Check your policy or contact an agent in our office by calling 512-444-2500.

Are discounts available for multiple vehicles on a single policy?

Our licensed agents work with multiple carriers to provide you and your family with the best coverage at a fair rate.  Most carriers provide discounts for multiple vehicles on a single policy.  Contact one of our knowledgeable agents to start taking advantage of savings today.  

How much Auto insurance does my state require?

To ensure everyone on the road is covered in case of an accident, most states require drivers to carry a minimum amount of Liability insurance, or establish financial responsibility in some other way. Drivers must also have the ability to provide proof of insurance to register or renew a driver’s license. This is the case for cars, trucks, motorcycles, and commercial vehicles.  Contact an agent in our office or visit to learn about your state’s unique requirements.


Answers to some of frequently asked questions related to auto insurance

Frequently Asked Questions  and Affordable Insurance

Some life insurance ads claim “you can not be turned down.” What’s the catch?

Such ads are for “guaranteed issue” policies that ask no health history questions. The company knows it is taking a risk because people with bad health could buy their policies. The company balances the risk by charging higher premiums or by limiting the amount of insurance you can buy. The premiums can be almost as much as the insurance. After a few years you could pay more to the insurance company than it will have to pay to your beneficiary. Such policies may offer only the return of your premiums if you die within the first couple of years after you buy the policy.

Answers to some of frequently asked questions related to commercial Insurance.

Do I need a separate plan to cover prescriptions?

Some policies have Medicare Part D coverage included and some plans require you to purchase Part D separately.  Contact our office to discuss your specific policy.

I have a service business. Should I get insurance in the event someone sues me?

Before you start shopping for Errors and Omissions (E&O) insurance, answer this question: How real is your need for E&O insurance? Does the type of work you plan to do entail much potential for liability? If technology is involved–like being responsible for multimedia arrangements at sales presentations–then we would say yes. But some types of businesses allow you instead to create a client agreement that protects you, making the client assume the risk. If, on the other hand, contracts in your industry require E&O coverage, provide a warranty or guarantee, or have clauses that require you to indemnify or hold harmless your clients, you need to start shopping.

Commercial Liability Insurance FAQ

What is workers’ comp insurance?

Workers’ compensation, which covers medical and rehabilitation costs and lost wages for employees injured on the job, is required by law in all 50 states. Workers’ comp insurance consists of two components, with a third optional element. The first part covers medical bills and lost wages for the injured employee; the second encompasses the employer’s liability, which covers the business owner should the spouse or children of a worker who was permanently disabled or killed decide to sue. The third and optional element of workers’ compensation insurance is employment practices liability, which insures against lawsuits arising from claims of sexual harassment, discrimination and the like.

Life Insurance FAQ

How much life insurance do I need?

Ask yourself the following questions:

How much of the family income do I provide?

If I were to die, how would my survivors, especially my children, get by?

Does anyone else depend on me financially, such as a parent, grandparent, brother or sister?

Do I have children for whom I would like to set aside money to finish their education in the event of my death?

How will my family pay final expenses and repay debts after my death?

Do I have family members or organizations to whom I would like to leave money?

Will there be estate taxes to pay after my death?

How will inflation affect future needs?

Some insurance experts suggest that you purchase five to eight times your current income. However, it is better to go through the above questions to figure a more accurate amount.

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