Hill Insurance Agency in Texaws
Protecting the things that are important to you
Personal Insurance in Texas
Life and Health Insurance
​Contact us for individual and group term insurance, whole life insurance, and universal life insurance.

General Liability Insurance in Texas and More

​We offer a wide range of general liability insurance in Texas and other types of insurance including car, home and life insurance.

LIFE INSURANCE
There are many types of life insurance to fit individual and group needs and circumstances. The following are some of the basic types of life insurance available.

Term Insurance - The simplest form of insurance. You purchase coverage for a specific price for a specified period. If you die during that time, your beneficiary receives the value of the policy. There is no investment component. This is available to both individuals and groups.

Whole Life - Similar to term, but you purchase the policy to cover your "whole life" not just a set period. Premiums remain level throughout the life of the policy, and the company invests at least a portion of your premiums. Some firms share investment proceeds with policyholders in the form of a dividend. Many companies will offer "a relatively low guaranteed rate of return," but in reality pay at a rate in excess of the guarantee. Whole Life is limited to individual policies.

Universal Life - You decide how much you want to put in over and above a minimum premium. The company chooses the investment vehicle, which is generally restricted to bonds and mortgages. The investment and the returns go into a cash-value account, which you can use against premiums or allow to build. Universal Life is limited to individual policies.


Other Products

Other products along these lines for Individual and/or Group are:

Fixed Annuities
Section 125
Dependent Care Reimbursement Account


HEALTH INSURANCE
We are here to assist you in finding a plan that protects your family or employees while staying within your budget. Please contact us today to help evaluate your health insurance options.

Individual or Family 

An individual or family health insurance plan covers one person or family on one plan. An unexpected illness or serious injury can devastate a family financially if they do not have some basic coverage. 

Each person or family must determine what coverage, premium, deductible and out of pocket expense will best suit their needs and their family budget. Almost all health insurance companies require extensive questioning about medical history and sometimes a physical exam in order to qualify for individual insurance. 

Group

Group insurance is available to large or small businesses. The premium is based on the size, age and health of that group. 

Other Products

Other products along these lines for Individual and/or Group are:

  • Temporary Health
  • Dental
  • Vision
  • Disability
  • Health Savings Accounts
  • Long Term Care
  • Travel Insurance
  • Medicare Supplements & Prescription Drug
  • Supplemental Heart, Stroke or Cancer
  • Section 125
  • Health Care Reimbursement Account
  • Occupational Accident

For more information about home insurance in Dallas, TX, call us today. We also offer excellent policies for home insurance in Dallas, TX.
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