Estimate long-term care insurance costs in Texas with real sample premiums (example $900–$2,500 for a healthy 55). Learn how Partnership and Medicaid affect your assets. Depends on your age, health, and policy design. Learn what moves premiums and how to compare quotes fairly.

Explore if a consumer directed health plan suits your needs. Learn about tax benefits, lower premiums, and out-of-pocket responsibilities. Compare lower premiums vs. a higher deductible, HSA tax benefits, eligibility rules, and a three-number test.

Can you take a loan from life insurance? Are there credit checks? Learn which policies qualify, how much you can borrow, how interest compounds, and when a lapse becomes a tax problem. Understand the benefits and potential tax implications today!

Learn how to review your auto policy effectively to save money and ensure adequate coverage. Don't let underinsurance cost you! Annual timing, life-event triggers, reading your Dec Page, discounts, and liability limits. Ron Hettler, CIC (certified insurance counselor).

9/11 25th anniversary. Never Forget — 2,977 killed that day on 9-11-2021, 9,677+ dead since from Ground Zero illness. Many have called the the September 11, 2001 attacks — the deadliest terrorist attacks in human history. We honor the fallen at Hettler Insurance Agency in Lubbock, Texas.

Discover essential coverage types for Texas families in 2026. Protect your household from risks with our comprehensive insurance coverage guide. Health, home, auto, life, flood, windstorm, umbrella. Ron Hettler, CIC (certified insurance counselor), 30+ years in Lubbock.

Discover essential life insurance steps for families in Texas. Protect your income, mortgage, and future with our thorough guide: "needs math", term vs. whole, child riders, TX contestability. Ron Hettler, CIC.

Discover what insurance riders are and how they can customize your coverage to fit your needs. Learn to protect yourself better today! What are insurance riders? Endorsements that close coverage gaps on home, life, auto, and health policies. Ron Hettler, CIC (Certified Insurance Counselor).

Discover what medical payments coverage is and how it benefits Texas families. Get immediate help for accident-related medical costs today! MedPay: what medical payments coverage pays for on auto and home policies, how it differs from PIP, and why it's worth it. (806) 798-7800.

Discover what an insurance gap is and how it could leave your home unprotected. Learn to identify and close these gaps today! A Texas guide for homeowners and renters — spot exclusions, close blind spots. Get Better. Get Hettler. (806) 798-7800.

Discover the crucial role of insurance in family protection for Texans. Safeguard your future from unforeseen crises with the right coverage. Life, health, disability, home. Close gaps before crisis hits. Call (806) 798-7800.

Discover the key differences in Texas auto policies. Learn how to choose the right coverage and save money while staying compliant. Compare Texas auto policies — liability, collision, comprehensive, PIP, UM/UIM — and pick the right coverage without overpaying. Call (806) 798-7800.

Discover the vital role of insurance in financial planning for Texas homeowners. Learn how to protect your finances from unexpected events! Insurance is the foundation of a Texas financial plan. See how to sequence coverage, emergency funds, and deductibles to protect your wealth.

Discover what term life insurance is and how it can protect Texas families. Get coverage for less than $35/month and secure your future! Term life insurance guide for Texas families 2026 — real Lubbock quotes, how to pick term and coverage, and why buying early saves thousands.

Texas has the US's highest 16.7% uninsured rate, yet 83% of ACA enrollees qualify for subsidies. Learn how health insurance works in Texas, what it costs, how subsidies help, and what's covered after a disaster. Compare HMO, PPO, EPO plans and avoid the costliest mistakes.