For Clients of Worthen Financial Advisors
Protection That Reflects What You’ve Built
As part of your financial planning relationship, Worthen Financial Advisors reviews your existing insurance coverage and may suggest adjustments when appropriate.
When coverage updates are appropriate or pricing needs to be reviewed, some clients prefer to keep everything within the broader Worthen relationship.
You are not required to use Worthen Insurance Group and may work with any carrier or agency you choose. Many choose to work with Worthen Insurance Group because it keeps their planning and protection within the same trusted Worthen team, guided by the same standards of service and care.
Protection Should Reflect What You’ve Built
As assets grow, so does the importance of appropriate protection.
This includes homeowners, auto and umbrella coverage, wind and flood policies, commercial insurance for business owners, and Medicare planning as age 65 approaches and during annual open enrollment.
While competitive pricing matters, the structure and limits of coverage are equally important. Lower premiums can be attractive, but minimum liability limits may leave personal assets exposed in the event of a significant claim. As net worth increases, the financial consequences of inadequate limits increase as well.
For many clients, this means evaluating:
- Home and liability limits in relation to net worth
- Umbrella coverage relative to overall asset levels
- Deductible structure in light of liquidity
- Property coverage that reflects replacement cost
- Commercial insurance for business owners
- Medicare options as eligibility begins and during annual enrollment periods
The objective is not simply to reduce premium. It is to ensure coverage levels reflect the financial progress you have made.
If you would like to review whether your current coverage reflects what you’ve built, call Worthen Insurance Group at 281-819-6619.
Navigating a Changing Coastal Market
In coastal Texas and surrounding areas, insurance markets can shift quickly. Premiums fluctuate. Carriers adjust underwriting standards. Some exit the market entirely.
In this environment, reviewing whether coverage remains appropriate and pricing remains competitive becomes especially important.
As an independent brokerage, Worthen Insurance Group evaluates multiple carriers and reviews policies at renewal. We automatically do the shopping at renewal so you don’t have to.
When an Insurance Review May Be Timely
A coverage review may be appropriate when:
- A home is purchased, sold, or renovated
- Rental or investment property is added
- A business is started, bought, or expanded
- Net worth increases
- Vehicles or recreational assets are added
- Medicare eligibility at age 65 is approaching
- Annual Medicare open enrollment is underway
- Renewal premiums increase unexpectedly
If any of these apply, it may be time to review whether your current coverage still reflects what you’ve built.
Request a Coverage Review
If you would like to review your current policies or explore updated coverage, the simplest next step is a conversation.
Call Worthen Insurance Group at 281-819-6619A brief conversation can help determine whether you’ve got proper coverage at a reasonable price.
If you prefer, you may also begin a quote online below.
Disclosure
All written content on this site is for information purposes only. Opinions expressed herein are solely those of Worthen Financial Advisors, Inc. unless otherwise specifically cited. Material presented is believed to be from reliable sources; however, no representations are made by our firm as to another party’s informational accuracy or completeness. All information or ideas provided should be discussed in detail with an advisor, accountant, or legal counsel prior to implementation.
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