We are Professional Insurance advocates and advisors
Here at Lone Star Insurance Benefits our goal to help you find the coverage that best fits your needs and budget. Our role is to work on your behalf to find the health, dental, life, disability, accident, or illness plan that helps you or your family in the event of an illness, accident, or life change.
At Lone Star Insurance Benefits we work with only the top health insurance companies in your area. We only represent "A" rated insurance providers and our goal is to make the process as simple as possible. Insurance is complicated, but we can advise you as to the best approach for coverage be is an ACA health plan, short-term plan, or perhaps an accident or illness plan.
Ultimately you are the client and our role is to give you options so you can make an informed decision about your or your families health.
Dental care is essential to good health and having an affective dental insurance plan is quite important. There are a number of different options to consider, dental insurance, discount plans, or even paying for coverage out of pocket.
Again, our goal is to show you plans for the top "A" rated insurance companies in your area so you can make an informed decision.
Vision Insurance is a great addition to your personal health plan. If you wear glasses or contacts you know how costly it can be. That is why it is so important to have a great Vision plan. To find a plan with excellent benefits simply click on the menu above.
The Facts of Texas Life Insurance Coverage
The death benefit provided by life insurance is key to any financial plan. The correct amount of coverage will help protect your family, without the correct coverage loss of lifestyle or standard of living can be a struggle. This plan is not for yourself, but for the loved ones you leave behind. Because different people have various responsibilities, so too should your products vary. Below is a brief description of the types of life insurance products available.
Term insurance - provides coverage for a specific period of time or "term." It is a good fit for people who would like a high dollar amount of coverage for the lowest cost. Because term coverage is also convertible, it is ideal for those that need immediate protection.
Universal Coverage - A flexible-premium, adjustable benefit policy that accumulates account value. The flexibility of this policy allows you to change the amount of coverage as your needs change. Some changes require underwriting approval.
Whole or Permanent coverage - commonly referred to as whole life, provides protection for your entire life. Policy premiums generally do not increase with the age of the insured once the policy is purchased, but this can vary from company to company.
Variable insurance - combines the protection of a traditional life plan with the potential to earn market returns on your policy cash value. With a wide array of investment options, the decision on where to direct your cash funds is up to you.
Beyond the death benefit
While this type of coverage is primarily purchased for the death benefit, permanent coverage offers additional benefits that you can experience while you are living; those benefits are referred to as living benefits. Living benefits can be in the form of policy cash value, optional riders, and policy features and can provide resources for helping with:
Supplementing retirement income
Preparing for chronic illness