We’re attuned to your particular needs for protection. If you have a claim, or become unable to earn an income, no entity will be paying your salary or medical expenses. The self employed have more to lose in a health crisis than any other group of people with whom we work.

There are 47 Million people in the US who have no health insurance. Of this number, “self-employed” workers represent a huge majority of the uninsured, even though they carry much more of the risk than a person who works for a company and receives coverage under their Group insurance. Yet, many self employed and small business owners elect to carry no coverage, mostly because they don’t understand insurance and don’t know which insurance is best for their situation.

Longhorn Insurance Group is a “small business,” so we know about the special needs and requirements of the self-employed. We’ll give you straight answers, suggestions, offer different options and lots of honest information so that you can be prepared for an unplanned event in your family that could become a trigger for financial ruin and the loss of everything you’ve worked hard to put together.

Tax Benefits We’ll help you assess your risk and then suggest a course of action in order to close that liability gap with cost-effective insurance products. Part of this strategy often has to with making the small business owner or contractor aware of the tax benefits available to you. We’ll help you recoup much of the expense required to provide insurance for your family through tax benefits and intelligent plan design. You’ll be able to identify a long term strategy for managing your family and business risk. Best Prices and Best Value 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.