Regardless of your feelings, the ACA that was passed in March of 2010 is here. In 2014, every American is required to have health insurance or pay a penalty to the IRS. The enrollment period for a January 1st, 2014 effective date starts October 1st, 2013 and runs until the middle of December. […more]
Buying insurance in Lubbock is quite a shock for many who move here from other parts of the country. They can't believe that home insurance can cost so much. When I moved to Lubbock over 30 years ago, the cost of my home insurance doubled while the amount of coverage decreased 25%. Lubbock area deductibles also are normally 1% of the value of your home. [...more]
Tornado! The mere word conjures up fear. Lubbock, TX has experienced 92 tornadoes over the past 56 years according to http://www.tornadohistoryproject.com/tornado/Texas/Lubbock Lubbock averages more than one tornado in the county each year. So there’s no question that we have an abundance of activity that regularly strikes our town. […more]
Hail and tornadoes continue to make the news. The April 3, 2012 tornadoes that hit the Dallas-Fort Worth area allowed us to view the mighty power that a EF1 or EF2 storm packs. The pictures of swirling Schneider trailers being tossed about like toys is etched into the minds of many of us. Just imagine what would have happened if the storm were an EF4 [...more]
Some dog breeds would become extinct if insurance company underwriters had their druthers. (I love that word.) Here’s why: […more]
Why do you buy Auto Insurance? “I have to” may be your response and that is so true. Most states require auto liability insurance and almost all lenders require collision and other than collision coverage (the so-called “Full Coverage” option) on your car insurance. So, “I have to” is a great reason but there is an even better reason…. […more]
A few years ago a client (Mike) came in and told me that his parked car was hit in our local shopping mall’s parking lot by another car. I told him that he had elected to purchase only liablity on his vehicles. He told me that wasn’t a problem because the other party had auto insurance on her car. In fact, she (Linda) had coverage through our agency as well! [...more]
The down and dirty answer to this question is almost always….MORE. I’ve never met a widow or widower that said that their spouse had wasted money on life insurance. I HAVE dealt with survivors scrambling to put enough money together just to get the deceased into the ground! […more]
Are you a sparkler? You know, a bauble bearer? Some people really enjoy wearing jewelry and for others, its not a big deal and thats the secret to why insurance companies require that you take special steps if you happen to be the bauble-bling queen or king. […more]
Hettler Insurance is excited to announce that in August, 3 contracting companies with total sales approximating $7,000,000 were added to their client list. […more]
If anyone needs to get a child only health insurance policy (in TX), there’s a program through Blue Cross that has a one time per year open enrollment period. The deadline is September 15th to enroll. No agents are involved. […more]
My first year in the insurance business was notable for a number of reasons but this claim has been among the strangest that I have ever experienced. It seems that our customer was taking a shotgun out of his pickup truck and dropped the gun. Either while attempting to catch the gun or upon the gun’s collision with the pavement, the shotgun discharged shooting pellets [...more]
Low deductibles are great when the claim occurs but rarely are they the best long term decision. O.K. Let’s start this discussion with a trip to Las Vegas. Odds are, if you are reading this, you don’t live in Vegas so a trip is within the sphere of imagination for you. See this decision is all about odds. […more]
You’ve just signed for that business loan and you’re ready to get the doors open just as soon as possible. The banker shakes your hand and says “Have your insurance agent add the bank onto your insurance policy”. You say, “I’ll get that done” while thinking…I need to get an insurance policy going soon. […more]
In the fall of 2009 I was called to send a life insurance proposal to my client on her husband. She had asked for a couple of different amounts and was wondering what the cost would be for permanent coverage and term insurance. […more]
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