Lubbock Business Association

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.

I sent the proposals to her and didn't hear from her for a couple of weeks.  Finally one day she called and I assumed that she either had a question on the life insurance or wanted to set a time to buy one of the options.

Well that was not the situation at all.  She was calling to tell me that her husband "A.." had died.  Massive heart attack, no warning, and he was in his mid 50's.  She told me that the company that they owned was being broken up into pieces and that an ex-employee/manager was going into competition with them.

My client was left with no husband, severely restricted cash flow, and no life insurance.  She said that my proposal was still on the coffee table in their living room.  Bad situation.

She said she was never going to procrastinate again.  She said she put off making decisions routinely and it has cost her for the last time. 

When you are ready to take care of your family, don't worry about what form of coverage you buy.  Buy the cheapest stuff…say a 10 year term life insurance policy.  At least you've taken care of the problem for 10 years.  Then take a few months to purchase the approriate type of insurance for your situation. 

I need to insert here that I have never, NEVER, had any life insurance beneficiary ask what type of coverage their loved one had purchased.  All that was important was the amount of coverage and how that would fit their needs. 

When you are ready to purchase your life insurance give me a call in Lubbock, Texas at 806-798-7800.  Or request a quote on our website at www.hettlerinsurance.com   We are only able to serve Texas residents at this time.  Decide to act today!

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 he had just had an accident late in 2010. 

A couple of days later, he walks into the office, gives me an annual check for his insurance premium, and walks out stating "I need you to look at my Home Insurance.  He brought a policy by a few days later and we worked up an option for him to consider.  I called and told him the premium.  He said "wow", I'll have to get back with you on that.

Well, he came in yesterday morning, gave me an annual check for his home insurance, signed the app, and I finally asked him, "What were you paying for your current coverage?"

He responded that we had saved him around $1,300 over his long time carrier.  That was amazing to me that a competitor that specializes in writing home insurance would be $1,300 per year more expensive than our carrier.  He said that he was REALLY glad that he saw me at the Parade of Homes.  Let me assure you that the feeling was mutual.

So when you are ready to find out how competitive your current auto insurance and home insurance policies are, (and you're a Texan) give Hettler Insurance Agency a call at 806-798-7800 or visit www.hettlerinsurance.com for more information.  Oh, and by the way, let me give a big shoutout to Travelers Insurance for assistance in placing this account.

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.

One of the most overlooked aspects of the coverage is when you are walking down the road and get hit by a car.  What you say!!! "I was walking in a parking lot and this driver on a cell phone turned right into me, knocked me down, and I sprained my ankle.  He drove off and I was left to pay the emergency room bill."

The emergency room bill is potentially an Uninsured Motorists claim.  Turn it into your auto insurer for reimbursement.  When the driver left the scene of the accident, it became a hit and run accident.  That's right, its no different than if you were in a car.  Uninsured Motorists covers hit and run incidents as well.  That's assuming that the other party was at fault of course.

Now for my final thought on the topic (for today!)  Remember that parking lot accident that I mentioned two paragraphs ago?  Well, you are covered under most policies if you are a family member residing in the same household.  What does that do for you? 

Imagine that you don't have an insurance policy because you don't have a license or a car.  If there is an auto policy with Uninsured Motorists coverage in the household that you reside in and you are related to the family member that is purchasing the policy, you are most likely covered under their policy.  Yes!  Isn't that neat!  Perhaps you aren't even listed on the policy. Still it is likely that your Uncle's policy will apply to your injury.

Buy Uninsured Motorists coverage.  It's optional in most states but it's an essential part of the auto insurance puzzle.  When you are looking at buying your auto insurance (and you live in Texas), give Hettler Insurance Agency in Lubbock, TX a call at 1-806-798-7800 to look at the options that Hettler offers.  Or you may visit www.hettlerinsurance.com to get quotes or more information.  Drive Safe always!