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There's a new number you need to know - your PDQ, or Personal Disability Quotient. It represents your own unique chance of becoming too sick or hurt to work and earn the income you depend on. Unbelivable results! See what your PDQ is... interactive calculator  After getting your PDQ score, give me a call and we can talk about how I can help you protect your most valuable asset - your income with Individual Disability Income (DI) insurance.

I want to help you and your family find the perfect insurance product to fit your specific medical needs and budget. I know which plans work for your medical conditions and will take a lot of the guess work out- no pressure sales, just a friendly voice. We value your trust & will always work hard to keep it. Susan Speciale 469-293-7080 Serving Texas Residents Since 1997 8 am-9 pm weekdays & 10 am-6 pm weekends WE ARE YOUR TRUSTED PARTNER WHAT WE DO...   HOW WE DO IT...  WHAT'S IN IT FOR YOU...

At last, Affordable Health Insurance with Major Carriers at a premium you can afford.  We will customize a health insurance benefits package to meet your needs and budget to help offset the rising cost of healthcare.  We assist you to make the best affordable health insurance choice for your family from hundreds of health insurance plans that we offer.  We take the guess work out to offer you a solid quality insurance plan you can count on. You can get a free, no-obligation quote for personal health insurance in about 5 minutes.  If you like the quote, you can even apply online today!

Laid off and looking for health insurance There is an affordable solution! In a bleak report on Friday, the Labor Department said that almost 600,000 jobs disappeared in January and that a total of 3.6 million jobs had been lost since the beginning of the recession in December 2007. * In this economy with forced layoffs, many workers' health benefits have disappeared. Since many people are covered through their employer's insurance, when they lose their jobs they are forced to take the expensive and unaffordable continuation of benefits or they lose health benefits altogether. For each jobless worker who has lost insurance, children and spouse have also lost protection.  See Blog for full story.  Don't delay and act today to see if this is the right solution for your situation and get a Short Term Health Insurance quote now. President Obama 2010 budget & health care priorities President Obama provided a budget outline that highlights the priorities for his Administration, including eight principles for health care reform. Health:  What You Need to Know in Advance of Travel Discover how afforadable travel insurance is.  Our goal is to make this online process easy from quoting to applying to receiving! If you or a loved one seriously became ill while traveling overseas what would you do?  Could you understand the language well enough to approve a major surgery?  Did you know... most domestic medical insurance plans aren't accepted when you travel internationally.   Patient Medical Library Medem's award-winning Medical Library represents the full range of patient education information. 5 ways to go with health insurance if you're laid off Once you leave your job -- because you were laid off, quit or were fired -- you basically have five choices on health insurance: continue on your current group plan and pay the premiums yourself, enroll in your spouse's plan, buy individual insurance, use a state-sponsored plan or -- the worst of all worlds -- go without. Health Care Highlights of Senate Budget Bill On April 1, the Senate passed SB 1, the Senate’s version of the state budget for the next biennium that will start September 1. The Senate proposal appropriates $182 billion from all the state’s funding sources. Money to be appropriated out of the state General Revenue Fund is $87.5 billion, representing a 7.3% increase over the current budget. Education and health and human services spending comprises almost 75% of the budget. How Long Can You Afford to Be Disabled? Here's an example client, Jane, has monthly expenses of $4,000. Let’s assume she became disabled in October: In November, Jane would completely tap out the $2,000 from her checking account and an additional $2,000 from her savings. • After December’s expenses were paid, Jane’s balance in her checking and savings accounts would be zero and she’d have to take $1,000 from her CDs. • To pay January’s expenses, Jane would have to use the $4,000 remaining in her CDs to pay her monthly expenses AND come up with the funds to pay the penalties of early withdrawal from her CDs. • In February, what would she do? She’d have no choice but to borrow money from her 401(k), which would have to be re-payed with interest, putting her further behind on a month-to-month basis. BLOG- See current insurance industry info

Here's what are clients are saying...  "And as an observation, I want to commend you for your prompt service. In these times of bad service from major big corporations this is outstanding."  Industry BLOG bringing you the news Your Product List CRITICAL ILLNESS INSURANCE (insurance) DENTAL INSURANCE (insurance and discount) DISABILITY INSURANCE (short and long term) DISCOUNT PLANS (dental, Rx, vision, accident maternity, & more) GROUP INSURANCE (health, life, dental & disability) HEALTH (individual health insurance, family health insurance with optional maternity, student, self-employed, senior & group) LIFE INSURANCE (term, whole and universal) LONG TERM CARE INSURANCE SENIOR INSURANCE (health, dental and vision) TRAVEL HEALTH INSURANCE (worldwide for U.S. residents and non-U.S. residents) VOLUNTARY worksite products for employees (cancer, accident, heart attack, paid by employees)   Don't see your product here?  We'll search for you!

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WE REPRESENT OVER 50 INSURANCE COMPANIES Affordable Texas health insurance, life, dental, disability and more!  Here are the leaders in Texas insurance: AETNA HEALTH INC.  AMERICAN MEDICAL SECURITY LIFE INSURANCE COMPANY BLUE CROSS AND BLUE SHIELD OF TEXAS CAREINGTON INTERNATIONAL CORPORATION DELTA DENTAL PLANS ASSOCIATION GOLDEN RULE INSURANCE COMPANY HUMANA INSURANCE COMPANY PACIFICARE LIFE ASSURANCE COMPANY PACIFICARE OF TEXAS, INC.  TIME INSURANCE COMPANY UNICARE LIFE & HEALTH INSURANCE COMPANY UNITED HEALTHCARE INSURANCE COMPANY WORLD INSURANCE COMPANY