Insurance

Life Insurance

HBW represents a variety of different life carriers in order to meet the specific and individual needs of today’s clients. We offer highly competitive products. Since we deal with many different carriers, we can find the correct solution for your specific needs. We have simple term life, return of premium, and permanent life insurance products. We can also include optional disability income and critical illness riders to insure that your family will be properly cared for in the event something happens to you. To quote you the product and carrier best suited for your needs, please contact us at (281) 335-4429 or complete our contact us form

Health Insurance

The number one reason why people become financially ruined is because of health costs. Major medical insurance can help you and your family avoid costly bills in the event of an accident or illness. While many health insurance companies focus on large businesses, Assurant Health’s commitment makes it a leader and innovator in individual and family medical insurance – and the best choice for those who buy their own health insurance coverage.

Assurant Health allows you to choose the options you desire in your plan so that you can customize your health insurance coverage and premium. We also provide dental insurance and accidental medical benefits. If you are a college student, we can provide a Student Medical Plan specifically suited for your financial situation. If you are between jobs, we can provide a short-term medical plan which will provide health coverage until you are covered by your employer. This is usually much less expensive than COBRA payments.

Small businesses can now offer their employees a medical insurance plan. Employees often leave smaller companies for larger companies just so that they can receive a benefits package. With Assurant, small businesses can now compete for those employees by offering them a health insurance plan. For more information, please contact us at (281) 335-4429 or complete our contact us form

Long Term Care

Long-term care insurance protects yourself, your family and your assets from the high cost of long-term care. HBW and LTCI Partners, LLC have partnered to bring you a one-stop resource for Long Term Care Insurance. We provide our clients with a full range of products and services for the correct solution to their family’s needs. This type of insurance provides coverage for social and health-related services in adult day cares, hospice facilities, assisted-living facilities and nursing homes. Whether you need help with day-to-day activities, speech therapy, nursing care or substantial supervision, these products will ensure that you have the proper care at the time you need it. For more information, please contact us at (281) 335-4429 or complete our contact us form

Senior Settlements

Whether you call it a Senior Settlement, Lifetime Settlement, or High Net Worth Transaction, these have become a very important factor in the estate planning process for seniors. Prior to the Life Settlement Industry, if a senior owned a policy that was no longer wanted, needed or affordable, there was no option but to lapse, cancel, or surrender the policy back to the carrier for the cash surrender value. Life settlements allow qualified policy owners to liquidate a policy for an amount much higher than the cash surrender value. Then, these seniors can take advantage of important financial opportunities using the proceeds of an unwanted, unaffordable, or obsolete life insurance policy.. View more information about senior settlement