Life insurance is an absolutely vital protection that should be in every family’s portfolio. Yet, the majority of families in the US today are either significantly underinsured or uninsured altogether. Most of us are aware of a family whose main breadwinner met an untimely death. It’s truly heartbreaking to see families suffer while losing their house, lifestyle, opportunity for the children (such as college education) and financial security. Life insurance is usually very inexpensive and it provides comprehensive security for a family faced with the untimely death of a family member.

Term Life Insurance The premium on Term Life Insurance is fixed and it never changes for the entire term of the policy. Longhorn offers Term Life products from such A-rated carriers as Illinois Mutual, Mutual of Omaha, United Investors, and others. We provide a number coverage options that include Disability coverage and a “return of premium” feature that can represent increased value for our clients. A Longhorn consultant can help you analyze your financial risk and help you make sound decisions regarding appropriate face amounts and coverage designs for your family. Best Prices and Best Value Of course, all of these goals have to be accomplished within budget constraints. We aggressively work in the marketplace every day to find the best pricing and the best value of the coverages available. There can be a significant difference between “owning insurance” and “being insured.”

Most of us know that the lowest bid on anything doesn’t mean it’s the best value you can get. In fact, buying insurance solely on the basis of “price” will generally cost you more in the long run. Factors that can make you regret that you based your choice only on price:

• Quality of customer service you’ll get if you ever have a claim Confusing design of the policy The “fine print” in a policy
• Remember, there can be a significant difference between the price and the cost of owning a Health or Life Insurance policy.
• One of our jobs is to make certain that you’re aware of all the facets of a policy from all insurance companies.

Unbiased and Honest – What a Policy “Won’t” Do
Just as important as what a certain policy will do for you is what it won’t do for you. Not many companies will make certain that you know what the shortcomings are of certain policies. These shortcomings are usually the main cause for negative and cynical feelings that people have about insurance companies.

We often get compliments for explaining, upfront, what certain policies won’t provide for our clients, allowing them to make a more informed choice.

 "Big Enough to Make a Difference ... Small Enough to Care."