Lucy was a child when she was diagnosed with asthma. Her parents searched for health insurance, but were denied coverage for hospital visits and medication. Prior to the Affordable Health Care Act, this was a common scenario. Many Americans have been denied coverage of regular medical expenses for pre-existing and chronic conditions, such as asthma. In addition, not every American could afford or receive health […]

Hettler Insurance is one of the area’s fastest growing Independent Insurance Agencies working with thousands of families and hundreds of businesses. In order to continue our growth, we are relocating our business around Jan 1st, 2014 to 4432 South Loop 289 in Lubbock, TX.

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.

Some dog breeds would become extinct if insurance company underwriters had their druthers.  (I love that word.)  Here’s why:

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!

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!

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.

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 […]

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.

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.

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.

So I was at the Lubbock, Texas Parade of Homes last week and saw a friend that said he wanted to call me about his home and auto insurance.  He called me that following Monday and a couple of days later, Hettler Insurance wrote his auto insurance policy.  I didn’t know what he was paying through his long time agent, but I did know that […]

Most auto insurance buyers understand that Uninsured Motorists coverage covers them when they are hit by someone who doesn’t have insurance and the buyer wasn’t at fault in the accident.  But Uninsured Motorists Coverage has some interesting twists that may provide coverage just when you need it.

So you’re tired of hearing the commercials that brag that you could save “16% or more on your car insurance” or that the average driver that switched saves $350 per year by switching to….”  It’s hard to figure out the methods to buy auto insurance but let me go through the options. 

Buying higher auto liability limits is seldom important…until it is.