When you need peace of mind, our insurance plans are here to help you with all of life’s unexpected events. We often don’t think of insurance until it’s too late. Texell Insurance offers various products to protect your pets, family, and important events in your lifetime.
Life Insurance
No matter what stage of life you’re at, life insurance can make up an essential part of your financial security. Life insurance gives those closest to you the peace of mind that they’ll be protected if the worst were to happen. In less than five minutes, you could have insurance. No doctors, no needles, no hassle.
What does life insurance cover?
Life insurance protects you and your family by paying a sum of money to your loved ones when you die. You’re their hero, let us be yours.
Why you need it!
No matter what stage of life you’re at, life insurance can make up an important part of your financial security.
Long Term Care Insurance
Depending on your age, you may not believe a time will come when you can’t take care of yourself completely. Nevertheless, chronic medical conditions, disabilities, or disorders like Alzheimer’s disease affect many. You can mitigate the severity of how these risks affect you with proper planning. A Long Term Care policy from Texell Insurance can go a long way to offsetting the costs of care you may need one day.
What does long term care insurance cover?
Under most Long Term Care policies, you become eligible for benefits if you have dementia or other cognitive impairment or cannot do at least two out of six activities of daily living (ADLS) on your own. These are:
- Bathing
- Caring for incontinence
- Dressing
- Eating
- Toileting (getting on or off the toilet)
- Transferring (getting in or out of a bed or a chair)
Why you need it:
According to the U.S. Department of Health and Human Services, nearly 70% of 65-year-old people will need long-term care services or support. And, sadly, regular health care insurance fails to cover long-term care. And Medicare covers only short nursing home stays or limited amounts of home health care when you require skilled nursing or rehab only. It will not pay for custodial care, including supervision and help with day-to-day tasks. What’s worse is that any assistance you might be able to find from various state and federal programs may force you to “spend down” your saving before you’re eligible for aid.
Pet Insurance
We know that your furry, feathered, or scaly pets are members of your family. Texell Insurance helps you protect them from unexpected illness or injury. What would you do if you unexpectedly had a $4,000 bill from the vet? Pet insurance can pay some or all of your pet’s injury or illness claims, depending on the coverage you choose.
What does pet insurance cover?
Pet insurance can cover accidents and illness, with the option of adding preventative care coverage.
Why you need it:
You love your pet, so take care of him or her, too!
Wedding Insurance
You’ve dreamed of your wedding for as long as you can remember, and now it’s almost here. You can’t imagine anything going wrong, but what if severe weather causes event delays, a vendor cancellation, or a lost deposit? Wedding Insurance can provide coverage for vendor cancellations, venue and equipment damage, event rescheduling, and more.
What does wedding insurance cover?
Wedding Insurance can provide coverage for all of the following:
• Vendor cancellations
• Venue and equipment damage
• Event rescheduling
• Wedding attire, gifts, and transportation
• Personal liability
• Lost deposits
• Family emergencies
Why you need it:
Weddings involve many pieces and much coordination — from guests to catering and venue rental. Wedding insurance can cover the costs of unexpected changes to plans, from accidents to weather.
Texell Financial, LLC is a wholly-owned subsidiary of Texell Credit Union. Insurance products are not issued, guaranteed, or underwritten by Texell Credit Union or Texell Financial, LLC and are not insured by the NCUA.