ProGo Insurance Group

ProGo Insurance Group is proud to launch new insurance packages tailored for Houses of Worship, Churches, Mosques, Shrines, Synangogues, Temples, Masonic Temples, Convents, and Monestaries.  The Texas insurance policies will cover members, officers, volunteer workers, pastoral professional liability, director and officers liability, abuse & molestation, property, general liability, commercial auto, umbrella, moneys and securities, and workers compensation.  Religous Organizations face different risks and exposures than typical commercial businesses.  Similar to other types of coverage’s we can offer professional claims adjusters that are available 24 hours, 7 days a week.  We can also provide experts to help implement risk management procedures to protect institutions.   Learn more about our packages here.

We now have a new Whole Life policy for those who need permanent protection with cash values at guaranteed rates in the Dallas – Fort Worth – Arlington – Burleson areas.  These plans will help prepare for final expenses and life’s unexpected expenses.

This particular policy is available to people between the ages of 45-80.  The minimum amount of coverage is $5,000 and can be increased up to $20,000. 

The premiums never change.  Cash accumulation is accesible if the need arises. 

The GREAT thing about these policies is there is no Medical Exam necessary.   There are minimal Medical Questions that pertain to getting approved.  The three questions asked for underwriting are listed.

1.  Are you currently hospitalized or confined to a nursing, long term care or rehabilitation facility?

2.  Are you bedridden, or receiving any professional nursing care or health care services in the home?

3.  Have you been diagnosed with a terminal disease, which will result in death within the next 24 months, or are you receivng oxygen therapy?

Call us to find out how much you can help protect your love ones and not create a burden with an unxpected death. 

We also have other protection plans for other ages that do not requre medical exams.  The other plans also allow for higher benefits if needed.

Quote Hotline 817-925-0924 or email us at jason@progoinsurance.com

There are many policy enhancements and coverage’s that are now available to homeowners in Texas.  

Extended Replacement Cost Coverage - in case reconstruction costs are higher now in Texas than when policy was put into place  this would help reconstruct home to previous size and or amenities

Identity Fraud Coverage -  this coverage in Texas including Fort Worth, Arlington and Burleson reimburses expenses after a cover identity fraud loss.  Also can pay you up to $250 day for lost wages when you have to meet with police or attorneys due to these circumstances

Identity Managment Services Coverage – your policy will monitor your public records and credit info.  When an inquiry is made for your credit score, changes to credit cards  you are alerted

Eco-Rebuild Coverage – if you have upgraded to Energy Star Appliances this will replace with similar appliances

Mold Remediation – there are a couple of insurance companies who do offer coverage for the cost to remediate mold issues

One of the new features of the Health Insurance Reform will offer tax credits to small employers in Texas who offer group health insurance to their employees.

Texas Small Group Health Insurance Quotes

Businesses in Texas that have less than 25 full-time employees who contribute at least half of the employee only premium can receive a tax credit.  The employees need to average between $25,000 to $50,000 in annual income.  The tax credit will range between 35% to 50% of the premium that is paid by the employer.         

Groups in Texas will need to have a “qualifying arrantgement,” “equivalent full time emplyees,” and “average annual wages.”  Employers can go to irs.gov to learn more about qualifying for tax rebates and requirements.

A PricewaterhouseCoopers study projects employers medical costs for their employees will increase by at least 9% in 2011.   ProGo Insurance Group is offering health insurance packages to employers of all sizes to help minimize this increase.  Some of the options include multiple options for deductibles, office visits and higher deductibles.  Most of the time employees only use office visit co-pays and their drug card during the year.  We will perform a comprehensive analysis to see if a higher deductible plan where the employer helps an employee meet their deductible will save the company and the employees money.  The study also indicates the new federal law will not help these costs.  We represent several different health insurance companies to get you the best plan at the best price.  Some of the companies include Aetna, Blue Cross/Blue Shield, United Healthcare, Cigna, and Humana.

Many Texas insurance companies offer multiple discounts to help reduce your auto insurance premiums.  Here are just some of the discounts available.

Auto/Home Discount – if you have both coverage’s with one company you can save on both.
Auto/Mobile Home Discount – if you have both coverage’s with one company you can save on both.
Auto/Life Discount – most companies often require you to have life insurance with them and you will get a discount on your auto, some companies in Texas even give a discount on the life premium also
Safety Restraints Discount – airbags, anti-lock brakes, electronic skid control are just some of the options on a car that can give you discounts
Good Grades Discount – most insurance companies require a B average or above
Defensive Driving – not only can this help you take care of a ticket it may reduce your car insurance
Drivers Safety Course
Electronic Funds Transfer – premiums can be reduced if payment is made electronically on a monthly basis
Employee Group Discounts – some employment types include police officers, teaches, scientists, fire fighters, RN’s, and physicians
Paid In Full Discount – if you pay either 6 months up front or annually discounts are available
Umbrella Policy
LO-Jack – Vehicle recovery system assists in finding a stolen vehicle. 

If you need further explanation visit our Auto Insurance Discounts page.  You can also contact us to take advantage of these discounts.