J Eric Lu Insurance Agency

We offer health insurance, homeowners insurance, commercial insurance, life insurance and flood insurance in the State of Texas.

Operating as usual

[11/02/20]   Health Insurance open enrollment started yesterday and will end on 12-15-2020 for coverage beginning on 01-01-2021. We experienced a big spike in phone calls today, but everything goes smoothly for our experienced team members!

Our Houston area has a stable health insurance market meaning that the consumers have choices of carriers and plans! All of our carriers offer plans that cover pre-existing conditions!

Many of our consumers also enjoy low rates and great coverages, thanks to the tax credit and extra cost-sharing benefits from Obamacare! Maybe that is why Obamacare is going into the eighth year of plan implementation!

[12/06/19]   Counting down to the end of Open Enrollment 12-15-19 for under 65 health insurance! We are planning to open on the 14th and 15th (Saturday and Sunday) to help with last-minute sign-up! Please call 713-988-6811 for hours and/or appointments!

[11/27/19]   We are very excited to announce that we will become an independent insurance agency beginning 12-1-19! We will offer our customers more choices to better match their needs! Our new phone number is 713-988-6811! Also, don't forget to check and Renew your health insurance before 12-15-19! We have 5 health insurance companies to choose from. Many of our customers pay $0 for their 2020 coverage!

[11/26/19]   New Office Number : 713-988-6811

[11/26/19]   We are pleased to announce that we will become an independent insurance agency to provide you with much better choices for your insurance needs! Please note that we will have a new phone number beginning 12-01-19. It is 713 988 6811. The 713 988 3636 number will also continue to work! Both with multiple lines to serve you better!


Open Enrollment Is Here: 6 Tips For Choosing A Health Insurance Plan

Our office has a smooth day helping our customers, new and returning. First-day traffic jam on the enrollment website is normal as it was in the last six years. The good news is for most of our service area, there are more carriers and plans to choose from. Most carriers keep their rates stable or lower! Most carriers also offer reward dollars! Be sure to take advantage of them. Some customers are getting a rebate from the insurance companies for their 2018 premium paid!! I see vibrant and dynamic free-enterprise spirits in this health insurance market!

npr.org If you're not getting health insurance from your employer, you can still get covered. You can shop for options through HealthCare.gov or your state's marketplace. Here's how to pick a plan.

[08/27/17]   Filed first Harvey flood claim this morning. It is a relief to know that coverage is in force and Farmers Insurance is ready to take in claims and assign adjusters to help our policyholders! I am pleased that claim system for Farmers flood policy is easy to use. It only takes me less than 5 minutes to have claim setup with adjuster's contact information!

[08/27/17]   I am taking many phone calls since Saturday to take claim information, to help with services and answering questions about coverage. Thanks goodness that we do not have damage to our house and hope to have clear roadway to be in the office tomorrow to continue to service our customers! I overheard from TV that this may be a 500 year event. The damages Harvey caused is unprecedented in history of our area for sure! Please follow proper guidance, stay safe and hope and pray for the best!


When clients should open or convert to a Roth IRA

This is from Journal of Accountancy and is a good read for accountants, my formal profession, and anyone interested in learning more about Roth IRA!

journalofaccountancy.com These versatile accounts belong in every adviser’s retirement strategy toolkit.

[06/20/16]   Many of our new customers find out that they qualify "Special Enrollment" for health insurance before open enrollment begins again in November. This is especially true for some of them who lose their health insurance coverage during current oil price related downturn in Texas and our Houston area. Give us a call today at 713-988-0788 and explore your options!

[06/14/16]   What we found based on recent experience is that it is a good idea to review your insurance coverage and get a quote to compare premium once in a while.

Our recent sale proves that these customers made a great decision to talk to us. They not only get a detail review of their coverage, they also save a lot of money by leaving an insurance company that advertises their 15% in 15 minutes... Give us a try, we will service you the old fashion way, in person or over the phone, your choice!

[06/04/16]   We quoted and sold a 4-unit car insurance policy from a former Geico customer yesterday. We saved the customer $783 from her current price of $1,760. The savings is 45%. May be I could advertise 300% savings over Geico's 15% commercial... Well, we can't do that without company's approval but our customer's savings is real and they now have real people providing services to them from now on! Way to go, Farmers Smart Auto! Don't forget to contact us to quote for you! You may save some money too!

[06/04/16]   With recent flooding and stormy weather, please use extra caution driving or travelling. Please also contact us to review your insurance coverage to make sure you get flood insurance that you need. Your homeowners insurance and or dwelling policy do not cover damages caused by flooding event. We are here to review and get coverage for you. Normal waiting period is 30 days, so it is time to review and get started, especially during the hurricane season!

[12/18/15]   We announced the big news about availability of PPO from Humana to local community media today. Our customers in 26 counties can now have the PPO option again.This is significant as almost all 2016 carriers do not offer PPO anymore. Humana PPO now has MD Anderson, Methodist and Tx Children.

[12/18/15]   Our team completed first half of health insurance open enrollment on the 15th and continue to service our new and existing customers on their PCP selection and other service work! I want to acknowledge our team: Sarah, Sharon, Fei, Cloe, Helen, Victor and Gigi's commitment and hard work. There are many late lunch and no break days plus extra hours on Saturday! A big THANK YOU to you guys!

[11/26/15]   I think we did a good job when at the end of health insurance application, customers want to pay us. It is so rewarding to see their response when I told them we do not charge fees. And they bring their friends in the next day.

[11/16/15]   We completed first two weeks of open enrollment and I took first Sunday off since mid October to mark the day! My thought for first 2 weeks can be expressed in the following words:appreciation for our customers' trust,patience and referral; we will do better to earn that trust and more appreciation for our team for having late and shorter lunch plus being calm and super friendly amid challenging times when a large group shows up at the same time. Last and with my heartfelt thanks:it was so nice for SM,FF and CL to show up Saturday to give me great relief when it was like we had a black Friday sale at 10AM! This is pretty exciting times for us and we want to do better for our customers! It also helps that our price beats Mercury,Safeco and ASI based on recent close. WE ARE SAVING CUSTOMERS $$$$$!And we take time to share our insurance knowledge to help our customers better plan the life's uncertainty nature.

[11/03/15]   Thanks to our customers' patience and our team's commitment, we survive day 1 of open enrollment! The question lingering on my mind is how PPO patients treated by MD Andersen have to do when the plan got switched to HMO. The ACA is supposed to have some guarantee in coverage continuity,but after only two years, a new problem will create lots of new headaches for many. Stay healthy and hope MD Andersen will work out something with insurance companies!

[10/10/15]   I completed 2016 Marketplace recertification today (way over passing grade!) So ready to help our individual customers and small business owners! Ok, the truth is that is one done and more to go: new TV ads, new seminars, calls to our customers and only 22 days till open enrollment.

J Eric Lu Insurance Agency


We are hiring customer service staff. We are looking for energetic, friendly and caring candidates. No experience required but bilingual in Chinese and English a must! Please send resume to [email protected]. com. Friends, please send us referrals. Thanks!

[05/08/15]   We are hiring customer service staff. We are looking for energetic, friendly and caring candidates. No experience required but bilingual in Chinese and English a must! Please send resume to [email protected]. com. Friends, please send us referrals. Thanks!

Our Saturday staff, FeiFei and Vincent helped put these boxes together for Nepal Earthquake Relief fund raising tomorrow at Jade Buddha Temple. Thanks Feifei and Vincent!

[03/28/15]   What is the difference for buying insurance online vs. from us, a local agent? Today, a person who was our health insurance customer but having her daughter getting it for her online this year came in for her 1095A. I could not help her at all even if I wanted to as we no longer have access. On the contrary, a customer who was driving a rental car which was hit by a reckless driver came in and asked us to help with his claim. I spent over one hour calling rental car company, trying to get his police report and filedclaim with Farmers. That is the difference of having a local agent.

[03/23/15]   We helped a customer with a medical claim bill and they saw their portion of payment reduced by $1500 last week and today, the customer brought us their home-cooked Szchuan cold dish of roast beef and spicy dakon (?). I will post the picture tomorrow! Our job is yummy!

[03/23/15]   We showed one of our clients that if their CPA could make a correction on Form 8962, they will avoid a substantial additional tax today. They came back happy that they do not have to pay that extra $$$$!

[03/23/15]   We continue to service our customers in many fronts: helping health insurance policy holders dealing with tax return is one major service area. Fortunately, with our CPA (Louise and I) background and in-depth efforts to learn all we can on OBAMA tax acts on health insurance, both Louise and I are comfortable in reviewing most tax related issues and point out possible solutions that our insurance customers can take back to their CPAs for correction or update. We are blessed with the opportunities to help our clients. We are fortunate to have clients that trust us to allow us to serve their insurance needs!


Our www.PolicyCity.com website will help you get an estimate on tax credit and quotes in 2 minutes or so. Try it!


[03/22/15]   Special Enrollment is a great opportunity for people to sign up, to get tax credit and to avoid or reduce penalty (more tax next year). It may be confusing, but our efforts have helped many getting enrolled continuously. Please tell your friends. You will help your friends when it comes to having the health benefits.

Parts of the best health insurance plan is controllable by ourselves and there is no insurance premium that most hates!

Healthy fridge = healthy habits! http://shout.lt/YMNl


03-2015 : Low-tech ways to protect your business

Very useful tips to protect data

www8.hp.com Low-tech ways to protect your business

J Eric Lu Insurance Agency's cover photo

[03/02/15]   One of our customers came and told us that her husband entered the hospital for an emergency kidney stone procedure. We found out that the hospital applied wrong co-insurance, but the carrier and the (HMO) hospital still did a great job in approving the procedure in two hours. We will help them understand their Explanation of Benefits, so that they may get their 20% coinsurance advance back. She said the procedure ran up an amount over $10,000. Many times, we feel like we are in education business to help the customer understand what they are paying for.

[02/28/15]   We continue to service and help our customers who have some tax-preparers who is not all that familiar with the new IRS rules on ACA insurance mandate or are confused with those rules. Unfortunately, those preparers may have cost their customer un-necessary money by not properly helping them getting the exemptions that the taxpayer may qualify for or wasting them time by sending them to our office for a 1095 A form that the customers are not supposed to have, like those who are not buying from the Marketplace. We are happy that we dug deep into the (tax) rules and are comfortable telling some accountants what is the correct response to some of the questions!

[02/26/15]   Our office continues to serve our new and existing health insurance customers with PCP change,payments and other verification and status issues. We also help customers and sometimes, CPAs to clarify who are supposed to receive a IRS form 1095 A. Our accounting and tax roots help a lot with the ACA or Obamacare enrollment.

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5855 Sovereign Dr, Ste F
Houston, TX

Opening Hours

Monday 09:00 - 18:00
Tuesday 09:00 - 18:00
Wednesday 09:00 - 18:00
Thursday 09:00 - 18:00
Friday 09:00 - 18:00
Saturday 10:00 - 13:00
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