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.
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%.
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.
Some dog breeds would become extinct if insurance company underwriters had their druthers. (I love that word.) Here’s why:
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.
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.
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 into the cab of the pickup.
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.
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Hettler Insurance Agency
Ron Hettler
4432 S Loop 289
Lubbock, TX 79414
