FREQUENTLY ASKED QUESTIONS
General Company & Service Information
What areas and states are Life & Wealth Strategies licensed to serve?
We are licensed to serve clients in the following states: Texas (TX), Ohio (OH), Florida (FL), New Mexico (NM), Washington (WA), Colorado (CO), California (CA), and Rhode Island (RI).
How can I get a quote or schedule a consultation?
We offer individual and business quotes at no cost. The fastest way to connect with us is to Text Us to Schedule a Call at 832-971-1963. You can also submit an inquiry through our Contact Us form.
Are your agents and services bi-lingual?
Yes. We are proud to be a Bi-Lingual service provider, ensuring we can communicate clearly and effectively with all our clients to meet their unique needs. We speak English and Spanish (Habla Espanol)
What are your operating hours?
We are available Monday through Friday from 8:30 AM to 6:00 PM CST, and Saturdays from 9:00 AM to 11:00 AM CST by appointment.
What is your primary philosophy?
Our core belief is: "People don't plan to fail but they fail to plan." We exist to provide you with a Safety Net, Peace of Mind, and the expertise to help plan for your best financial future.
Life Insurance & Wealth Strategies
What types of Life Insurance do you offer?
We offer a full range of solutions, including Term Life Insurance (10, 20, 30, and 40-year options) and Permanent/Whole Life Insurance, which is available with or without Living Benefits. We also offer Disability Insurance and Long-Term Care Insurance.
What are 'Living Benefits' on Permanent Life Insurance?
Living Benefits are riders on your permanent life policy that allow you to access a portion of the death benefit while you are still alive if you experience a qualifying event, such as a critical, chronic, or terminal illness. This money can be used to help cover medical costs or replace lost income.
Do you offer financial planning for retirement or estate preservation?
Yes. Our financial services include Retirement Strategies, such as Annuities, and Estate Preservation tools like Life Insurance Trusts, Charitable Trusts, and Wealth Replacement Trusts to help secure your legacy.
Can you help my small business with its insurance needs?
Absolutely. We offer quotes for Business Insurance, as well as group Retirement Strategies for employees. We can also assist with group Health Insurance plans.
Health, Supplemental, and Travel Insurance
I am losing my Medicaid/CHIP coverage (The Unwinding). Can you help?
Yes, we specialize in helping consumers navigate the confusing process of The Unwinding. We will guide you to determine your eligibility for Marketplace coverage and the expanded savings now available for high-quality health plans.
Which health insurance carriers do you work with?
We partner with many trusted carriers to find the right plan for you, including Ambetter, BCBS, CHRISTUS Health Plan, Cigna Healthcare Plans, Humana, United Healthcare, Oscar Health, and more.
What is Supplemental Insurance, and why might I need it?
Supplemental insurance is designed to fill the gaps in your main health plan. It pays benefits directly to you to cover unexpected costs from events like accidents or serious diagnoses like cancer/critical illness, or to help with everyday needs like dental and vision care.
What kind of travel insurance do you recommend?
We recommend purchasing a short-term international health insurance plan, as your existing U.S. health plan likely won't provide the protection you need abroad. We offer plans from carriers like GeoBlue, which have flexible cancellation policies and pre-existing condition options, including the ability to compare Trekker and Voyager Plans.