Houston Texas Life Insurance has solutions for many different types of life insurance needs. We have broken it down into a couple of categories. Click on some of the links below to learn more about how our services can help your family or your business with its life insurance needs.
Estates And Trusts
If you would like to learn more information about Estates and Trusts, please click “Request a Consultation” button above or give me a call at 281-451-0194.
What is key man life insurance? Business owners ask that frequently and that’s a great question, because it’s an important one. You have a business, its rolling right along, everything is going great. It’s booming, growing, everything, and you have that one employee that’s there that everybody asks for. Maybe they do the job a little bit better than most everybody. Maybe they have a skill set that nobody else can really duplicate. Bottom line, they’re integral to the success of your…more
If you are a partner in a partnership, absent any other planning, did you realize that your partnership will cease to exist upon the death of one of your partners? You become a partner in liquidation and your job then is to liquidate the assets of the partnership, reduce it to cash, for the purpose of paying the deceased partner’s family for the share of the partnership that the partner helped to build. They…more
Business Continuation Services
Business Continuation planning is the purchase of life insurance a company or firm purchases to provide the funds necessary to the continue the business and cover the losses incurred from the death or disablement of someone critical to the business. If you would like more information or to have a conversation about your business’ options, please give me a call at 281-451-0194 or click the green Request a Quote button above.
One of my specialties is Life Insurance For Diabetics. Finding affordable solutions for people diagnosed with diabetes and other preexisting conditions is a huge passion of mine. In 2010, I started a financial services company called 10 Group Financial which later morphed into…more
Making sure that your final wishes are taken care of is key part of our business at Houston Life Insurance. Nobody wants to leave their loved ones the burden of paying for and handling a family member’s funeral. And with the rising costs of funerals today, it is very important to make sure that you have a burial life insurance plan in place to make sure that your final wishes are taken care…more
Have you recently purchased a new home or refinanced your existing mortgage? Your home purchase will most likely be your single biggest purchase in your lifetime. Making sure that you are adequately protected with Mortgage Life Insurance can ensure that your family and loved ones will continue to live the life that you have worked hard to…more
Tax Free Retirement Solutions
Houston Life and Annuity has partnered with the industry’s leading tax free retirement specialists in the country, Scott Bergman of RPA Associates. With this partnership, we can help you build a tax free retirement solution for you through the use of life insurance.
Term Life Insurance is a much cheaper way to get a lot of life insurance coverage at a much lower premium simply because it expires after a specific amount of time. Term life insurance is usually more appropriate during your income producing years when you carry the most debt in your life, such as mortgages, car loans, personal loans, credit cards, etc… The big advantage of term life insurance…more
College Planning Solutions Using Life Insurance
Houston Life and Annuity has partnered with industry leaders in the college planning industry, TRI Financial and Your Guidance Office. College is big business these days and figuring out how to pay for it can be a huge time consuming mess. Typically when we talk about college expenses and how to pay for it, most parents have set up savings and investment accounts that they have been contributing.
There are many benefits to whole life insurance that may be worth considering when you are looking at permanent cash value life insurance. Whole life insurance typically is a little more expensive that your universal life insurance plans and term life insurance plans, but that is because it has some unique key components built into…more
Universal Life Insurance is a type of permanent life insurance that offers flexible premium payment options that traditional whole life insurance. Universal life insurance often times referred to as UL, can be an appropriate fit in many different…more