Garza, Garza & Associates, LLC

Insurance, Benefits, and Risk Management

Operating as usual

This is so true!
Check out our latest marketing postcard. It's never too late.

Garza, Garza & Associates, LLC is now proud to begin offering Foresters Life Insurance. They've got a great and inexpensive final expense insurance policy, and let's face it we're all going to die (reality is a bit morbid). All kidding aside, this plan can help with all costs related to final expenses, it can really help your family get through some pretty difficult times. Inbox or call me if you're interested in a quote or just need some more information.

[03/09/15]   I know a lot of people have been doing their taxes and are being penalized for not having had health insurance during 2014. In case you still haven't purchased health insurance for 2015 you still have one last chance. The government is allowing people who just found out about the penalties extra time to buy insurance. This special enrollment period starts Monday, March 9th and runs until 4/30/15. Inbox me or call us if you need assistance on this.

Doing my part. It's so true, support local.

Please help me make this go viral and share. #supportsmallbusiness

[02/18/15]   If you missed out on the Obamacare Open Enrollment you might still have some extra time to do so, so you can avoid next years penalty. After this week you won't be able to enroll anymore for 2015.

Garza, Garza & Associates, LLC's cover photo

Healthcare Reform (aka "Obamacare") is confusing and complicated. If you have any questions on how it affects you or your business just post them and I'll answer them for you.

Open Enrollment for this year's Affordable Care Act (aka "Obamacare") period opened today. You have a chance to enroll or change your existing coverage during this period. Most people will qualify for a premium credit and don't even know it. We can guide you through the whole process. Just give me a call @ 337-3038

Happy Veteran's Day to all of our brave men and women of the armed forces. Thank you for your service!

Annual Open Enrollment for healthcare reform health insurance policies starts on 11/15/14. If you don't have health insurance this is your only chance to buy it or pay the $395 per person penalty on your next year income tax. But don't worry, you might qualify for a premium credit to lower your monthly expense based on income and family size. For example, a family of 4 can make up to $95,400 and still qualify for a credit. Open enrollment ends 2/15/15. If you need help on what to do send me a message.

Garza, Garza & Associates, LLC's cover photo

Garza, Garza & Associates, LLC

Buy enough life insurance to protect your family. It's an extra expense, but If you think about it is the only insurance you're guaranteed to use. Group policies at work are usually the easiest to get, and that's fine, but you should also have coverage you own personally, outside of work. You never know when you will develop a health problem that will affect your insurability, and if you don't already own a policy when that happens, you could be out of luck. Or rather, your family will be.

With so much going on in our daily lives few people take the time to plan for the future. Truth is, we all expect to retire someday but not many have stopped to figure out how they're going to make the jump from a steady work paycheck to a retirement check. There is such a thing as waiting too long to plan for retirement. The reality is that social security won't be enough, and 401k's and retirement plans might still not be enough to make up the difference. Now is the time to ask just how much will I really need and how do I get there? A good plan now can avoid a lot of financial stress later on. Do you feel you'll have to work during your "retirement" to make ends meet?

It's that time of year again for people on Medicare to enroll or make changes to their Part C and/or Medicare Prescription plans. If you're 65+ or about to turn 65 you really need to talk to an advisor to discuss your options. Open enrollment ends on December 7th.

Garza, Garza & Associates, LLC

Garza, Garza & Associates, LLC's cover photo

After a thorough evaluation by the Better Business Bureau, Garza, Garza & Associates, LLC has earned the coveted and elite designation of Accredited Business by the BBB. This accreditation is reserved for businesses that meet the Better Business Bureau's Standards for Trust. With so many businesses surrounded in customer scandals, we are honored to earn this designation. We believe in our service and hold in high regard the ideals of trust and ethics.

Learn the Basics of Short Term Disability

If you're like most people you can't afford to miss one paycheck. But what happens if you can't work? Bills still pile up, and your financial obligations must still be met. Short Term Disability can replace your income in the event you can't work. Here's a good article to learn more, and as always let me know if you have more questions or need more info. Short term disability insurance can help workers that suffer a temporary illness or injury that leaves them out of work for a short period of time.

[08/14/14]   The average U.S. family only has $3,800 in savings and 25% have no savings at all! With the funerals costing an average of $8,343 the death of a loved one can leave a family mourning and without the financial means to deal with final expenses. That can be a lot to deal with, so if you have any questions on how to prepare for final expenses, comment or inbox me with your questions on how you can avoid this.

2014stxb vii11 #ClippedOnIssuu

My first article as a contributing writer for the South Texas Business Journal. This topic was on Healthcare Reform. You can find the full magazine and read the full article at Issuu Clip lets you share and comment on any part of a publication that inspires you.

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6999 McPherson Rd
Laredo, TX
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