Health Insurance alone leaves a lot of gaps in your coverage and exposes you to expenses you may not be prepared for. Insurance With Don offers additional coverage options that can be customized to your needs and protect you from the unexpected!
Life Insurance
Insurance With Don offers multiple options for families to protect themselves with life insurance in Victoria, TX. No matter the level of coverage you need we can tailor a plan that is built around your families needs to protect your finances and property. Don’t leave your families well being up to chance – protect them today!
Term Life
Term life insurance is coverage that lasts for a set term ranging anywhere from 10 – 30 years, depending on the plan and carrier you choose, and pays your beneficiary if you are to pass away within that time frame. Term life is often times more affordable then whole life insurance, but once the term is up and you outlive the policy, the policy will end and you do not receive any payout. Unlike whole life insurance, term life will not build up cash value either, although some policies will allow you to convert to a permanent life policy once the term is completed.
Whole Life
Whole life insurance, also known as permanent life insurance, offers coverage that will last your entire lifetime as long as your premiums are paid. Whole life insurance is more expensive due to this, but guarantees a death benefit to your beneficiaries, regardless of when you pass. Whole life policies also accumulate cash value over time that can be used for loans or paid towards your premiums.
Indexed Universal Life
Indexed Universal Life insurance works similar to whole life, with the difference being the investment component of an IUL. Your policy will be tied to a stock market index such as the S&P500 which allows your cash value to grow over time. You’ll still receive the lifelong benefits of a permanent life policy, with the added bonuses of tax-deferred growth, and your cash value growing with the stock market. Some policies will even have a “floor” that protects your cash value from going negative even if the stock market does.
Dental Insurance
Dental Insurance is not typically included in health insurance plans or Medicare Supplement plans. Having individual dental coverage helps with the costs of preventative services as well as certain dental procedures either in part or full. The best coverage for you will depend on the dental services you will need throughout the year and the costs of those services.
Most dental plans will have same day coverage as well as waiting periods for certain levels of coverage (non-preventative services). In most cases 100% of your preventatives are covered (possibly a small copay), 80% of basic procedures will be covered, and 50% of major procedures like crowns and bridges are covered. Coinsurance and copayments will depend on a number of factors depending on the plan itself, how long you’ve had the plan, the level and cost of service needed.
Vision Insurance
Having Vision Insurance can help you manage the costs of your vision care as well as your eyewear. We can find a plan that will lower your yearly out of pocket costs, assist with the costs of your routine eye exams, and cover costs for your lenses and frames.
Each plan will have its own costs and covered services. Vision plans can be added to your health insurance or Medicare Supplement coverage. Vision plans typically have a yearly allowance and cover the costs of your annual eye exams. Carriers will have different limits and waiting periods as well as premiums and coinsurance. Certain services may not be covered, or only partially covered.
Hearing Insurance
- What’s covered (hearing exams, hearing aids, fittings).
- Often overlooked coverage that’s critical for seniors and those with hearing loss.
Cancer Insurance
- Lump-sum or supplemental coverage upon diagnosis.
- How it works alongside regular health insurance.
- Helps cover travel, lost wages, and treatment costs.
Hospital Indemnity Insurance
- Pays a set amount per day/night in the hospital.
- Helps with deductibles, copays, or other out-of-pocket costs.
- Ideal for high-deductible health plans or unexpected hospital stays.
Why Bundle Additional Coverage with Your Health Insurance
- Cost savings and simplified billing.
- Better overall protection with fewer coverage gaps.
- One agent who understands your full coverage picture.
Get Personalized Coverage Recommendations
- Invitation to schedule a free consultation.
- Mention availability of in-person, phone, or virtual appointments.
- Quick form or phone number to request a quote.