Call US - 817-330-4995
Your Agent CM
Health & Life Insurance and Financial Services - Christie Moore
Serving State of Texas
Services
Insurance Brokerage - What We Do?
As we have discussed before, the job of an insurance broker is to scan the market and find you the insurance plan that best meets your needs. Because of how saturated the insurance industry is, more often than naught, competitors charge competitive prices for their products. This means that since there is little distinguish-ability between the policies offered by different companies, their best bet of attracting customers is to lower their prices. That is where an insurance agent comes into the picture; our job is to find you the insurance plan that not only fits your requirements to a T but also that provides the highest value for the lowest cost.
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To ensure that as many clients as possible can benefit from our exceptionally high quality services, we cover many facets of insurance purchasing: some of which are as follows...
Life Insurance - we help our clients select from a plethora of life insurance policies, such as
Whole Life
Also known "straight life" or "ordinary life," this is a permanent life insurance policy, wherein the insured person has coverage over their entire lifetime as long as premiums are paid on time.
Final Expense
A subset of whole life insurance, a final expense refers to a “death benefit” that ensures that when the policy holder passes away; their family has enough to cover funeral and burial expenses.
Term Life
This is a type of life insurance policy that offers to cover the policy holder for a certain period or specified term, usually expressed in years. Should the policy holder die during the term specified in the contract and the policy still has a number of years to remain active, a death benefit will be paid to the beneficiaries of the insurance plan.
Living Benefits
This refers to a portion of the final expense that the insured can withdraw prior to death. These are granted in the event that the policy holder falls terminally ill, especially in the case that their health insurance does not cover their medical bills.
Health Insurance
Dental
We can find you the best dental plans with co-pays and coinsurance in addition to fixed indemnity plans which place no restrictions on providers, no co-pays, and no deductibles. Moreover, you will not be required to wait for long periods for basic services in the policies you opt for. With the help of the right policy, thousands of dentists from all over the country can be chosen at your discretion.
Vision
We find you insurance plans that are specifically designed to reduce your costs for regular preventive eye care and prescription eyewear. Should you require, you can also opt for plans that cover corrective procedures such as LASIK.
Affordable Care Act (ACA) - Marketplace Health Coverage
Affordable Care Act that is designed to designed cover preexisting health conditions in addition to a list of essential health benefits that are not changeable between plans
Short Term Medical Plans
These are plans that are designed to provide coverage typically for 30 to 90 days or, in some instances, up to 12 months. These plans often cover unexpected illness and injury, emergency room visits, discounts for using doctors and facilities within a preferred network, etc.
Fixed Indemnity Plans
A plan that is supplementary to your main insurance policy and helps you with those costs by providing financial assistance for qualified expenses. That money can then be used to pay down a deductible or cover a co-pay or coinsurance amount, at your discretion.
Health Share Plans
Good faith plan where cooperatives are formed with members who agree to cover a certain portion of other members’ medical costs
Wellness Plans
A plan designed to keep up and improve well-being through diet, exercise, stress management, and illness prevention.
Retirement
Annuities - after the policyholder has retired, their insurance company pays the insured a fixed amount of money every year
Indexed Universal Life (IULs) - A type of whole life insurance plan that provides a death benefit coupled with a cash account that can be used to pay policy premiums or take withdrawals and loans.
Wealth Building
Credit Repair - We help you improve your poor credit standing by helping you deal with and manage fundamental financial issues including budgeting.
Medicare - The federal health insurance program that provides coverage for people who are 65 or older, younger people with qualified disabilities and people with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant, sometimes called ESRD).
Medicare Advantage Plans - A health plan provided by privates companies that contract with Medicare to cover all your healthcare benefits and prescription drug coverage. A Medicare Advantage Plan covers most Medicare services but is not paid for by the original Medicare.
Medicare Supplement Plans - This is an insurance policy that supplements your health care costs that Medicare doesn't cover, including out-of-pocket expenses such as co-payments, co-insurance, and deductibles.
Senior Supplements
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Critical Illness
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Home Care Plus
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Cancer
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Hospital Indemnity
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Long Term Care
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Dental/Vision/Hearing
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Heart Attack & Stroke
Voluntary Benefits
Accident - These are plans that are designed to offset the unexpected medical expenses that may result from an accident. These plans usually provide coverage for initial care, surgery, transportation and lodging, and after care.
Hospital - An insurance policy that provides a lump-sum amount to help with out-of-pocket expenses on account of a hospital stay. The plan can sometimes include inpatient and outpatient costs, diagnostic tests, doctor’s appointments, and emergency room trips.
Cancer - A type of plan that is supplementary to your typical health insurance and is designed to manage the risks of cancer and its numerous manifestations.
Critical Illness - This is a type of insurance plan where the insurer makes a lump sum cash payment if they are diagnosed with a certain qualified illness on a predetermined list as part of an insurance policy.
Heart Attack/Stroke Coverage - A part of trauma insurance where the insurance company provides relief when the insured suffers a medical condition that is common such as a heart attack or stroke.
State Notary (TX)
We hold the necessary license to grant us authorization to perform certain legal formalities, such as writing up or certifying contracts, deeds, and other documents in the state of Texas.
