Life, Health & Financial Services
Our agency offers a
complete line of insurance and financial products and services ranging
from life and disability income to group life and health insurance.
These products and services are designed to provide solutions to your
personal and business financial needs, including:
Medical Insurance
Employees have three medical options: Preferred
Provider Organization (PPO): allows employees to use any physician in or
out of the network. Benefits are paid in accordance with the provider
selected.
Exclusive Provider Organization (EPO): employees
choose their physician from a list of approved EPO providers. This plan
is offered nationwide wherever EPO networks are available.
Our PPO and EPO plans are built around health care
networks and a high level of coverage for using network providers. There
are no "gate keepers." Therefore, primary care physicians and referrals
to specialists are not necessary. You have the freedom to choose any
physician in the network any time.
Dental Insurance
Dental Insurance Plan helps you cover the costs of
dental care for you and your family. Covered dental services include
exams, cleanings, fillings, extractions as well as crowns, bridges,
dentures and orthodontia.
Group Health
At the Howard French Insurance Agency, we are committed to health
insurance for both our commercial customers, who need group coverage for
their employees, as well as the individual or family that needs
coverage.
With the changing face of health insurance in today's
market, we at the Howard French Insurance Agency are staying abreast of the latest
developments that will affect the coverage you expect as well as the
cost impact upon you.
We have the best health insurance markets available in
our area, and we will always present to our customers the best options
at the best price available.
Individual Health
Individual health insurance programs are designed for
individuals and families who cannot obtain health insurance through an
employer. Due to the continually rising cost of medical care, it has
become more important to provide health insurance for you and your
families. The Howard French Insurance Agency offers health insurance programs to
individuals which offer extensive coverage as well as high-deductible
programs which are designed to protect against catastrophic financial
losses.
Individual Life
Life insurance from the Howard French
Insurance Agency can help you
secure your family's financial future by providing the funds they need
to: cover burial expenses, uninsured medical bills, pay off your
mortgage and other outstanding debts, and maintain a comfortable
standard of living.
We offer a variety of life
insurance products, including permanent, term, variable, flexible and
whole life policies. As a service to our clients, we offer the following
template to help track important information such as passwords,
accounts, etc. We call it a
"Letter To My Loved Ones".
Buy / Sell Protection
If you have a partner in business, you have a need for
insurance so that in the event of death or disability, you can buy out
your partners interest without having to take out a loan or liquidate
company assets. This is also important where children and taxes are
involved.
Key Person Coverage
Your key employees are your most valuable business
asset. Their skill, knowledge and experience are your real profit
makers. Without them, the success and growth of your business could be
in jeopardy. Key employee insurance is designed to protect your business
from the adversities associated with the loss of a key employee, manager
or executive. The death or disability of a key employee could result in
a substantial financial loss due to hiring and training a replacement,
lost sales, and/or slowed production.
Flexible Spending Accounts (FSA)
Employees' needs are as varied as their lifestyles,
and benefit programs need to be flexible to accommodate those
differences. At the Howard French Insurance Agency, we not only recognize, but
welcome this diversity.
There are two FSA options. A Health Care FSA is an
alternate way of paying your share of your health care costs. In the
same manner, a Dependent/Child Care FSA reimburses you for expenses for
dependents and childcare which are necessary to allow you and your
spouse to work.
When you create an FSA, you choose to have a specific
amount of your annual salary withheld from your paycheck and deposited
to your FSA. These withholdings are on a pre-tax basis.
Flexible Spending Accounts (FSA's) are benefit options
designed to increase your disposable income by reducing the amount of
taxes you pay. An FSA enables you to use pretax dollars to pay for
qualified health care expenses which are not reimbursed under any health
care plan or insurance plan, and for qualified dependent/child care
expenses.
Long-Term Care
Long-Term Care is the type of care received either at
home or in a facility, when someone needs assistance with activities of
daily living, such as bathing and dressing due to an accident, an
illness or advancing age.
Rising life expectancy means that the potential need
for "long-term care" grows with every passing year of your life. The
likelihood is that you or a member of your family will need long-term
assistance due to a prolonged illness, a disability, or general
deterioration of your health and ability to perform routine daily
activities. Most long term care expenses are not covered by Social
Security or Medicare, Medicare Supplement ("Medigap"), or private health
insurance. Medicaid pays for nearly half of all nursing home care, but
you must meet federal poverty guidelines and may have to "spend down"
most of your assets on health care.
Long-Term Disability
Disability insurance replaces your
income should you become disabled and unable to work. Many people have
some form of disability insurance through their employer. The employers'
policy may not be just what your need. In this case, you will probably
want to supplement the employer's policy with an individual policy of
your own.
Retirement / 401(k) / IRA
Many experts agree that Social
Security may not exist in the same form for future retirees. That is why
it is more important now than ever before to plan for retirement. We
help companies start, transfer and maintain their retirement plans of
all types, not just 401(k) plans.
A 401(k) plan offers businesses and
their employees one of the most effective tax shelters available today:
-
Company contributions are immediately tax
deductible
-
Employees are not currently taxed on company
contributions
-
Employees' investment earnings accumulate
tax-free, until distributed as benefits
-
Costs of establishing and maintaining the plan
are deductible as ordinary and necessary business expenses.
Individuals may establish a
Traditional IRA account with tax-deductible contributions (subject to
certain income levels) not to exceed $2,000 for any one year or 100% of
income whichever is less.
The Howard French Insurance Agency
2616 South Loop W., Suite 597
Houston, Texas 77054
281-677-9491 office | 281-677-9492 fax
"The greatest compliment we
can receive is your referral."
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