No longer offers individual & group health in Texas.  Please contact Huda for alternative options.

• Prudent, tax, modified-AGI, creditor, lawsuit and probate advantaged environment

• Virtually immune to market and credit losses, yet linked to index market's potential up-legs only

Minimum safety-net guarantees coupled with tax and legal immunity options to your overall financial portfolio allow you to plan for a sustainable retirement and legacy needs.

The most important part of our business is helping You prepare for the future. At E-Choice Insurance Services Inc, striving for your sustainable peace and joy is the driving force of our practice!

Below are helpful links and calculators that  may help you plan for your financial, legacy and health insurance needs:**

• Note:  Several carriers are exiting the Medicare Advantage market, and UniCare exiting the individual and group health market in Texas.  To make sure your replacement product is what you need, contact Huda for guidance prior to applying for new benefit.  (Modified November 17, 2009.)
  
• Properly positioned safety-nets, tax & legal advantages are your asset's best friends: click here for retirement, estate and business' legacy planning, and monetary policy analysis.  Re-visit for updates.
  
• In light of Sustainable Asset Management needs, ask yourself, "How am I positioned now and moving forward if the trends continue?"

1. Financial legacy analysis,***

• 1040 Tax
  
• 72(t) Distribution
• Annuity
  
• Annuity: Variable Annuity Expense Analyzer
• College fund savings
• Debt reduction
• Disability income
• Inflation & Tax concerns
  
• IRA eligibility
• IRA: Roth contribution comparison
• IRA: Roth vs. Traditional comparison
• Life insurance
  
• Mutual Fund Fee Analyzer
  
• Need-specific saving
• Retirement: Accumulation
• Retirement: Near or at retirement (50+)
• Retirement Income
  
• Social Security income analyzer
• Tax-Deferral Advantage
• Tax vs. After-Tax equivalent yield

 2. Health Care Insurance (quotes, benefit summary and applications):

• Executive and Group Benefits: Contact us for needs analysis, advice, recommendation and workshop requests.
• Individual/Family Health Insurance:
• Review and proposal request
• Aetna
• AMS
• Assurant a Time Insurance Co.
• Benefit Summary
• One Decreasing Deductible
• Network
• Valerie
• Assurant Employee Benefit: Dental provider find
• Assurant Secure Choice Dental Plan
  
• Blue Cross Blue Shield
• Celtic
• Cigna
  
• Golden Rule, a United Healthcare Ins. Co.
• Humana
• IAC
• UniCare: no longer offers individual and group health insurance in Texas.  Contact Huda for guidance.
  
• PacifiCare a United Healthcare Ins. Co.
• World
• Helpful links:
• Community health and or dental assistance:
• Children's Health Insurance (CHIP): 800-647-6558
• Community Health Care Dental Clinic (in Travis Country): 512-972-5300 or 512-972-4810
  
• Insure-A-Kid: 512-324-2447 (can help apply for Medicaid and SCHIP)
• Manos de Cristo Dental Clinic
  
• Medicaid: 512-438-3280
• Premium assistance and Medicare/Medicaid/SCHIP
• Social Security
• St. David's Community Health Foundation assistance: 512-879-6240
  
• TX High Risk Pool

3. Life and health insurance companies:

• Links: List of insurance companies and brief products' summary with their appropriate link.
  
• Social Security

Click here to request for a confidential review & advice of your portoflio' safety-nets and limitations.

**Virtually all aspect of insurance policies are regulated by your state's department of insurance; hence, your individual insurance premium would be the same whether we are your servicing firm or if available direct from the carrier. Our services are at no additional cost to you. 

***These links are for informational purposes only.  Consults your life & health insurance counselor, or qualified financial professional, attorney and or CPA for your specific needs.