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Vacant Property Insurance: Your Questions Answered
When a property goes up for sale, owners often assume their standard homeowner’s insurance policy continues to fully protect them. Unfortunately, that’s not always the case. Many traditional policies limit or even exclude coverage once a home becomes vacant—and that can leave owners exposed during the selling process. To help you understand how to protect…
Read MoreIndexed Annuities: The Power of Zero and What It Means for West Texas Investors
A Q&A Guide for Lubbock, Amarillo, and the Panhandle If you’re planning for retirement in Lubbock, Amarillo, or anywhere in the Texas Panhandle, you’ve likely heard the term “indexed annuity.” But what exactly are they? Are they safe? And what’s this “power of zero” people keep talking about? We sat down (virtually) to answer some…
Read MoreAre Fixed Deferred Annuities Right for You? A Guide for Residents of Lubbock and Surrounding Area
Fixed Deferred Annuities can be a valuable tool for retirement planning — if used wisely. In this Q&A blog, we break down how they work, who benefits most, and how to sidestep common mistakes — including addressing some criticisms, such as those raised by Fisher Investments. Q: What is a Fixed Deferred Annuity, and…
Read MoreWhat Happens When My Auto Insurance Claim Totals My Vehicle in Texas?
Q&A Guide for Texas Drivers If you’ve recently been in a car accident or a major hail storm and your insurance company has declared your vehicle a total loss, you’re likely wondering what comes next. Here’s a simple Q&A guide to help you understand the process, your options, and what terms like “salvage title” actually…
Read MoreUnderstanding Immediate Annuities: Are They Right for You?
Residents of Lubbock, Plainview, New Deal, Snyder, Post, and Levelland often ask: “Are immediate annuities a smart retirement strategy?” In this Q&A, we break down how they work, who they benefit, and how to avoid common pitfalls—especially in light of popular criticisms from firms like Fisher Investments. Q: What is an immediate annuity, and how…
Read MoreBest Ways to Save Money on Homeowners Insurance in Texas
Homeowners insurance is an essential expense for anyone who owns property, but in Texas, where extreme weather conditions like hurricanes, tornadoes, and wildfires can make premiums skyrocket, saving money on insurance is key. Fortunately, there are several strategies homeowners can use to cut costs without sacrificing coverage. Here’s how to save money on homeowners insurance…
Read MoreUnderstanding Risks Faced by Farmers and Ranchers and How Insurance Can Mitigate Them
Farming and ranching are critical to the success of the global food supply chain, yet they are also among the most risk-laden professions. Farmers and ranchers face a variety of unpredictable risks that can significantly impact their livelihoods, from volatile weather patterns to market fluctuations and even accidents on the farm. As the backbone of…
Read MoreUnderstanding Co-Insurance Penalties: How They Affect Your Insurance Claim
When it comes to insurance, especially health or property insurance, terms like “deductible,” “premium,” and “coverage limit” are often understood by policyholders. However, a lesser-known but equally important term is co-insurance. If you’re unfamiliar with the concept of co-insurance, it’s crucial to understand it—particularly the impact of a co-insurance penalty—and how it can affect your…
Read MoreWhy Does My Small Business Need General Liability Insurance?
Running a small business comes with a variety of challenges, from managing day-to-day operations to growing your customer base. Amidst the hustle and bustle, it’s easy to overlook something critical to the survival of your business: general liability insurance. This form of protection isn’t just for large corporations or high-risk industries; it’s essential for small…
Read MoreUnlocking Retirement Income: How to Use Life Insurance for Supplemental Income
As you plan for retirement, you might be exploring various avenues to supplement your income. One often-overlooked asset is life insurance. While primarily viewed as a safety net for loved ones, certain types of life insurance can also provide valuable income streams during your retirement years. Here’s how to leverage life insurance effectively for supplemental…
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