Affordable Life Insurance
- Burial Insurance
- Final Expense
- Mortgage Protection
There are many kinds of life insurance, but they generally fall into two categories: Term Insurance and Permanent Whole Life Insurance. Learn about each category below.
What Type of Life Insurance Fits Your Needs?
We have two types of life insurance policies for you to choose from.
Term Insurance is designed to meet temporary needs. It provides protection for a specific period of time “Term” and generally pays a benefit only if you die during the term. This type of insurance often makes sense when you have a need for coverage that will disappear at a specific point in time. For instance, you may decide that you only need coverage until your children graduate from college or a particular debt is paid off, such as your mortgage.
Permanent “Whole Life” Insurance provides lifelong protection. As long as you pay the premiums, the full-face amount will be paid. Because it is designed to last a lifetime, Whole Life, permanent life insurance accumulates cash value and is priced for you to keep over a long period of time.
Frequently Asked Questions
Learn about common questions that our clients ask us over the phone when picking an insurance plan and learning more about our services. If you have additional questions, or need further elaboration on something, please let us know by calling our phone during regular business hours: 972-544-7524
What types of insurance do you sell?
- Life Insurance
- Health Insurance
- Medicare Insurance
- Disability Insurance
- Dental Insurance
- Vision Insurance
What is the difference between an HMO and a PPO?
| HMO | PPO |
| ¨ Cheaper | ¨ More Expensive |
| ¨ Requires a referral | ¨ No referral needed. |
| ¨ MUST go to doctors and hospitals in the network. | ¨ Can go to any doctor or hospital. |
What is a premium?
Premium is the amount you pay EVERY month to keep your insurance.
What is coinsurance?
Co-insurance is a percentage (%) you pay for a covered service.
What is an out-of-pocket maximum?
Out-Of-Pocket Maximum is the most you will pay for the year. It includes all of the co-pays, co-insurance, and deductibles for medical and prescription services. If you reach it, all services are covered at 100%.
What is Obamacare?
- ObamaCare is called the Affordable Care Act.
- ObamaCare is a series of laws that standardize health insurance. Think of it like car insurance.
How do I change my primary care physician?
Contact the Member Services or call our office. The number is on the back of your health insurance card or call us at 972-544-7524
What is a co-pay?
A Co-payment is the amount you pay for covered services at the time you receive care.
How do I pay my premium?
You can pay your premium by calling us at 972-544-7524, and one of our insurance agents will happily help you with your payment process.
What is a deductible?
A deductible is the amount you pay before the insurance will pay. NOT all services require a deductible to be paid. For example, going to the doctor does NOT require a deductible to be paid with most plans.
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Your Family Needs
The Brooks & Brooks Insurance Agency will make sure you and your family are treated respectfully and diligenty. From flexible healthcare plans to on-demand care services, we are ready to help you.
Get A Free Consultation
We offer free quotes for you and your family in need of insurance services. Getting started with our health insurance plan takes less than 15 minutes! Whether it is dental insurance or vision insurance, we’re ready when you are, so contact us today!
Get A Free Consultation
We offer free quotes for you and your family in need of insurance services. Getting started with our health insurance plan takes less than 15 minutes! Whether it is dental insurance or vision insurance, we’re ready when you are, so contact us today!
Get Started With Us Today!