Anco Agency Blog

Health & Life Insurance: Quotes & Coverage

From health care reform to an uncertain job market, we believe individuals and families could benefit from carrying personal health and life insurance policies that are not dependent on employment. At Anco, we have access to a variety of insurance companies who can tailor their policies to your specific needs and budget. Let us help you understand your options.

If you are seeking a health or life insurance quote, you’ve come to the right place. We offer online or in person quote comparisons for all of our clients.

Life Insurance Policies in Texas

Do you currently carry your life insurance through your employer? Are you aware that such coverage, even if it is a key man life policy, is probably a term policy, which means it only lasts while you keep your job? It is always a good idea to carry insurance that you can take with you, regardless of where you work or live. At Anco, we can help you find such a policy:

  • Term life insurance: This policy lasts for a specified term of years and pays out death benefits to the beneficiary or beneficiaries you designate, but only if you pass away while the term is in effect. You can choose to renew your term policy or you can choose to convert a term life policy to a cash value policy during the term. Rates for term life tend to be more affordable than other types of life coverage.
  • Whole life insurance: This version of a permanent life insurance policy lasts your whole life and does not require renewal. The only way this policy lapses is if you withdraw all of your funds or stop paying your premiums. Premiums for these policies are higher than term life in the beginning due to the cash value savings features that are provided.
  • Universal life insurance: Another type of permanent life insurance policy, universal life offers the most flexibility when it comes to premiums, cash value and amount of coverage. General benefits and drawbacks are similar to whole life insurance.

If you are looking for online life insurance quotes, we offer a quote request form that you can fill out. We will then be back in touch with you shortly to compare and review your available options.

Texas Personal Health Insurance Coverage

We work with a number of highly rated, trusted insurance companies, including Blue Cross Blue Shield, Humana, Cigna, United Healthcare, Aetna, First Care and Scott & White. From high-deductible, catastrophic plans to co-payment plans and Medicare supplements to long-term care options, our team of experienced independent insurance agents have access to the right personal health insurance plan for you and your family.

Our team can also help you understand your options when it comes to health savings accounts, flexible spending accounts, health reimbursement arrangements and other consumer-driven health insurance coverage. Reach out to us to learn more about your health care options or to just discuss how your insurance may be affected by changes required by health care reform.

Get a Health Insurance Quote Comparison

We use Quotit, an online quote comparison program, to provide health insurance quotes to our clients. This allows you to provide your information once and then receive an email with proposals from several companies that can meet your major medical, short-term health insurance or other health coverage needs. You can then apply for a policy straight from the proposal, or you can call our office for assistance in weighing your options so you can make an informed decision.

Contact Anco Insurance for Your Health and Life Insurance Needs

In addition to basic health and life insurance, our independent agency can provide individual disability, dental, long-term care and vision coverage. Contact Anco Insurance today to learn more. We have five office locations throughout Texas to serve you.

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