Archive for the ‘Life Insurance’ Category


For over one hundred years, MetLife (also known as Metropolitan Life Insurance Company) has provided outstanding insurance coverage. Their superior claims service is available twenty-four hours a day, seven days a week and three hundred and sixty-five days a year.

Term life insurance is a great financial safety net for anyone to have, and MetLife offers this service to anyone who would need it. MetLife’s term life insurance will provide money that can be used for displaced income, debt, bills and more. There many different options available from MetLife, including final expense life insurance, whole life insurance and universal life insurance. You can also decide on the number of years for your policy.

For car drivers looking for an affordable and reliable auto insurance policy, MetLife is here to help. MetLife offers many different coverage possibilities for auto insurance including liability protection, collision protection, medical coverage, uninsured motorist coverage and enhance car rental coverage. To help make the auto policies more affordable, MetLife offers discounts for safe drivers, young drivers and flexible payment options. And in case of an automobile accident, MetLife’s agents will provide swift claims service.

One of the best financial decisions that a homeowner could make is to receive homeowner’s insurance. Luckily, MetLife provides some of the best home insurance needed today. The financial support provided by homeowner’s insurance could cover the cost of home repairs, home rebuilding and replacing damaged property. Thanks to MetLife, your living residence will be covered.


Woodlands Insurance Services

Hometown Insurance Partners has been in the insurance business, by owner Troy Johnson, for the past 24 years, and because Troy Johnson knows all the ins and outs of the business, he can find the “right fit” for anyone. Some shoppers may just want the lowest rate possible with little concern about the type of coverage offered. This is where Troy Johnson steps in. He knows that someone may be paying less for their Woodlands insurance services but may end up finding the type of coverage they were expecting, is not there when they need it most. Hometown Insurance Partners is connected to many different insurance providers, which allows Troy the freedom to find the best rate with the best coverage (what we call a “right fit”) for each and every person.

Different avenues of life call for different types of coverage, at different times. When a teenager just begins to drive, we all know that the rate is much higher as compared to a seasoned adult. On the opposite side of the coin, life insurance may not be a high priority for a teenager, but will be for a senior. The same insurance policy that began as a young adult will need to be reviewed and adjusted as an adult. When there was once just one person, there may now be a spouse, with children. When different modes of life happen, Hometown Insurance Partners will be there to see that the insurance is the “right fit”.


Spring Insurance Agency

Hometown Insurance Partners is committed to providing comprehensive and reliable insurance policies spanning auto, home, life, and recreational to clients across Texas. As a full-service insurance agency, we are a leading provider of personalized insurance service and we make sure your policy is personally tailored for you.

We understand how hard you’ve worked to build a comfortable lifestyle for you and your family, and we will work just as hard to help you protect it. At Hometown Insurance Partners our mission is to match you with the insurance package that caters to you and the lifestyle you’ve built. We are well versed on all aspects of Texas insurance and our coverage possibilities are extensive.

At Hometown Insurance Partners we take the time to thoroughly evaluate your insurance needs so that your assets are insured at the most competitive rates. Whether you’re in need of reliable auto insurance, dependable life insurance, or trustworthy home insurance, we have you covered. We offer all of the skill and expertise you would expect from a client-focused, community-driven Spring insurance agency. We believe everyone and every policy is unique and we are dedicated to finding the perfect one for you.

We deliver extraordinary service because we take the time to get to know our clients. We provide a full line of insurance services and related products to all our clients, in a friendly, professional manner. Our approach to doing business is founded on integrity, service, excellence, and commitment, and our goal is to do our research and use our greatest resources to meet your specific needs. In order to provide you with the most value for your insurance dollars, we shop around and compare prices and services. Today we can serve you better than ever, with various options offered through companies such as Progressive, MetLife, Travelers, Mercury Insurance group, Encompass, and many others.


Keep Your Life Insurance Policy From Lapsing

Sometimes bills get lost or misplaced and next thing you know, you have missed a payment. When it comes to life insurance it’s extra important not to miss payments, because if you do your policy could lapse.

A lapsed life insurance policy means that your beneficiaries are no longer entitled to the death benefits outlined in the policy. Without a life insurance policy, you may be leaving your loved ones open to financial struggles once you pass away.

If you are a little late on one payment, don’t stress too much, as most life insurance companies have a 30 to 31 day grace period. This allows you to be late on your premium payment without disruption to your policy. However, if your payment is later than 31 days or doesn’t come at all, you could lose the policy entirely.

If you’d like to keep the same policy but it has lapsed, you typically have to contact the life insurance company and apply for reinstatement. If your health has changed in any way since you purchased the life insurance policy, you must indicate this information and your premium rates could go up or you could be denied coverage completely. If you have a high-risk condition or disease, it’s extremely important to not let your policy lapse, because you are not guaranteed coverage once it’s gone.

It’s important to make sure you are purchasing a policy you can afford. Don’t let the life insurance rates be a bill that you struggle to pay each month or year. Use a life insurance calculator to determine exactly how much coverage you need, and purchase only that amount.

Once your life insurance policy is purchased and it’s time to start making premium payments, select a payment schedule you are comfortable with. You can typically make payments annually or monthly. Many life insurance companies also offer auto-pay options, so that the payment comes out of your account automatically. If you often miss payment deadlines, an auto-pay schedule may be the right choice for you.

Do your best to stay organized and keep all your life insurance information in one place or folder. Being aware of what is expected of you and when payments are due will help you avoid a lapsed policy in the long run.


The Garage and Home Insurance

On average, only about 50 percent of people with garages actually park their cars inside of them. Garages are widely used for storing other things. There is nothing wrong with this, but it could mean that you are missing out on insuring some of those items you keep in the garage. Unlike your car, which is insured on its’ own policy, the rest of the items in your garage should be insured on your home insurance policy. However, for many homeowners, the fact that these items are somewhat out of sight means they are also out of mind when it comes to insurance.

When you are going through the process of establishing the values for your personal property on your home insurance policy, don’t forget items that are in your garage. In some homes, expensive items such as deep freezers, extra refrigerators, and the washer and dryer are kept in the garage. All of these can add up to a lot of value that, if not properly insured, will result in a significant loss in the event of an accident. Anyone who uses their garage as a workshop will undoubtedly have valuable tools and equipment. These types of items should be kept in mind when making decisions on your home insurance.

Once you’ve properly accounted for your personal property in the garage, you need to give some consideration to the garage itself. Depending on whether or not your garage is attached to your home, there can be some different insurance implications. Attached garages are the easiest to insure because they are considered part of your dwelling coverage, which covers your house itself. However, if your garage is not attached, you’ll need to pay a little more attention to how your policy defines dwelling extensions. In most cases, the policy will cover other structures as long as they are physically on your property. If, however, your garage is not permanently attached to your property, it will likely not be covered. For example, if you are using a portable shed-type structure to house your car and personal property, that structure is not considered to be an “other structure” as defined on the policy. You need to also keep in mind that if you use your other structure for any business purpose, it will be automatically excluded from the policy. While the use might seem very incidental, the effect can be significant. Before you do anything that can be considered a business use, read through your policy. Your garage is an important part of your home and lifestyle. Make sure you don’t forget about it when it comes to your insurance policy.


Why You Need Life Insurance

If every person understood what every widower knows, no household would be without life insurance. It is apparent that people are eager to insure their homes, cars and health but when it comes to their lives they don’t give it much thought. Most people spend more than a better part of their lives working to provide an adequate lifestyle with the basic necessities for their family. What happens if you or your partner is not alive to contribute to the daily process of providing the basic necessities for your family?

Life is constantly changing and after the death of a household member survivors are left with several emotional and financial issues. Obvious economical changes occur when the main financial contributor dies. It is hard enough on a family that has two care givers or providers but what happens when there is only one? What about the doctors, dentist and orthodontist appointments? Grocery shopping? Preparing meals, laundry? Purchasing life insurance is one of the most important decisions you will ever make. Purchasing life insurance for children has many benefits. The younger the person at the time the policy is purchased, the less it will cost, per month or year. A low rate for a future adult is not only a savvy business decision, but with certain policies cash values can be generated. This is a cash value that can be used in the future for college, vehicles, or even housing.

Another way to strategically improve your insurance policy is to add a Guaranteed Insurability Rider. The endorsement allows an insured to purchase additional insurance coverage at specified periods of time without evidence of insurability. Adding this endorsement to a policy, usually at a minimal cost, guarantees that no matter what health issues arise in the future the insurance company cannot deny coverage. How much insurance should be purchased? What kind of policy should be purchased? These are questions for an insurance agent. If you don’t already have life insurance, it is time to get it.