Insurance for College Graduates

Whether you're graduating from high school or college, this can be one of the most exciting times in your life. But don't allow your enthusiasm for freedom and the future to interrupt your good sense and the process of purchasing the right insurance policies for all of your risks.

Renters Insurance Whether you are moving into a dorm or an apartment, you need specific protections for property such as your computers, clothes, and furniture as well as protection against potential liabilities. If someone should be injured while visiting your apartment you could be found liable for their injuries and the subsequent medical expenses, damages, and lost wages. A renter’s insurance policy will pay for many of these expenses while also protecting you from the loss of your property after an insurable incident.

Health Insurance You may be permitted to remain on your parent’s group health insurance policy if you are going to school full-time or are under the age of 26. But don't take for granted that your parent’s policy can still cover you or is even the best option. Instead, talk to an insurance agent to ensure that you are properly covered and to find out if there are any less expensive alternatives available.

Auto Insurance If you've been on your parent’s auto insurance policy, graduating from high school or college may mark the time when you should look into your own auto insurance coverage. Auto insurance rates can vary based on many factors including the amount of driving you do and the location where you park your car. Talk to your insurance agent to discover the best options for your auto insurance coverage.

Life Insurance Locking in life insurance rates when you're young and healthy is extremely important. Insurance premiums will only rise as you age, so taking out a first or supplemental policy when you graduate is a good idea. If you take out a whole life policy you may then be able to tap into cash values for tax-free loans in a few years while also guaranteeing your family some benefits for final expenses should you pass away.

We are here to help you get your insurance on track for your new post-graduation life. When you're ready to get started with a Houston Auto Insurance Quote, give us a call at (713) 227-7283.

Long term care insurance - When should I purchase it?

If you are 40 or over, then the time to start shopping for a long-term care (LTC) insurance policy is now. There is no age that marks the starting point for the LTC shopping experience, but the older you get the more expensive your rates will be, which means it's best to shop as early as possible.

Why Age Matters
The younger you are when you buy your LTC policy, the longer the insurance company has to collect premiums from you before you can be expected to start utilizing the benefits. In addition the younger you are the fewer health problems you will have had and since health is a factor in determining your premiums, this could make a substantial difference.

Learn how delaying the purchasing long-term care insurance could increase in cost for you.

If you're 40 or over and you're starting to finalize your retirement planning, you shouldn't hesitate in obtaining long-term care insurance. The only thing you stand to gain by putting the purchasing decision off is a higher premium. Give us a call today at 713-227-7283 for a Houston long term care insurance quote and give you an idea of what your premiums will look like if you delay this important decision.