Hernandez Services

Insurance, Annuities & Retirement Insurance Plans, Business & Commercial Insurance

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Map & DirectionsDirections5305 Irvington BlvdHouston, TX 77009 Write a ReviewWrite Review

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Brands: century 21
Neighborhoods: Lindale Park, Central Houston, Northside Village
Categories: Insurance, Annuities & Retirement Insurance Plans, Business & Commercial Insurance, Health Insurance, Homeowners Insurance, Life Insurance, Long Term Care Insurance, Workers Compensation & Disability Insurance

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Phone: (713) 691-4272

Address: 5305 Irvington Blvd, Houston, TX 77009

Hernandez Services

Property

Home Insurance

Health and Life

Life Insurance
Simply put, life insurance is an agreement you make with an insurance company to provide financial protection for losses and expenses that would arise if you were to die prematurely. You pay premiums to the insurance company to keep your policy in force. In exchange, if you die while the policy is still in force, the insurance company pays death benefits to your named beneficiary(ies). In most cases, those death benefits are income-tax free.
Health Insurance
Even with a good health insurance policy, you may still be required to pay a sizable deductible before your health insurance kicks in, and then you may need to continue paying co-insurance to cover a portion of your own health care costs.
Disability Insurance
Without a solid disability insurance plan, your family could be at a significant risk if something unexpected happened, especially if you contribute to monthly household bills or a mortgage (most American households rely on two incomes to pay the mortgage). Relying on Social Security Disability to protect you may not be enough: it's very difficult to qualify for Social Security Disability benefits. The Social Security Administration uses a strict definition of "disability" and requires that you be unable to work in any occupation you would otherwise be qualified for based on your education, job experience and training.
Long Term Care
If you don't have a stand-along long-term care insurance policy, you may be wondering what your options are for paying for your own long-term medical care, should the need arise. There are actually several ways you can use life insurance to pay for long-term care. First, you may want to explore a combination life insurance/long-term care insurance policy.These types of policies are designed to allow you to receive policy benefits in some form, whether that's through payment of your long-term health care, or through death benefits to your named beneficiaries after you die. Your life insurance policy may also include a provision allowing you to take accelerated death benefits to pay for your own long-term care, under certain circumstances. Life settlement options may also be available. Talk to your insurance professional to explore what options are available to you.

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Annuities
An annuity is essentially an insurance product. With deferred annuities, the contract holder can accumulate money over a period of years (the "accumulation phase") by either making an initial deposit and watching it grow, or by making periodic deposits over time.

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