Blog Posts Archives - Insurance Galveston

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15-Years Since Hurricane Ike & the impact to Texas insurance

Hurricane Ike, a devastating storm that struck the Gulf Coast in 2008, had a profound impact on the insurance industry and prompted significant changes in how insurance is structured and managed in coastal areas. The aftermath of Hurricane Ike exposed vulnerabilities and shortcomings in the existing insurance landscape, leading to reforms and innovations aimed at […]

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Living on the Texas coast requires comprehensive insurance coverage

Living on the Texas coast exposes residents to unique risks such as hurricanes, floods, and windstorms. It is crucial to have comprehensive insurance coverage specifically tailored to the challenges of this region. First and foremost, homeowners in the Texas coastal areas should consider purchasing windstorm insurance. Standard homeowners’ insurance policies often exclude coverage for wind

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What is a Windstorm Property Inspection Form 8 (WPI-8)?

The WPI-8 certification is specific to the state of Texas and is primarily associated with the Texas Windstorm Insurance Association (TWIA). Its importance and relevance are mainly within the context of Texas coastal areas and the insurance coverage provided by TWIA. Outside of Texas, you would typically not encounter or require a WPI-8 certification, as

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How Can Equity Index Annuities Work For You?

Equity index annuities (EIAs) are financial products that combine elements of both fixed annuities and equity market participation. These annuities offer individuals an opportunity to participate in the potential gains of a specific equity index while providing downside protection and a guaranteed minimum return. The value of equity index annuities lies in several key aspects.

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SPIA Retirement People Relaxing on the Beach

What Is a SPIA

A Single Premium Immediate Annuity (SPIA) is a financial product that offers a straightforward and convenient way to convert a lump sum of money into a guaranteed income stream. With a SPIA, an individual pays a single premium to an insurance company in exchange for regular income payments that begin immediately. This type of annuity

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What is Life Insurance?

Life insurance is a contract between an individual and an insurance company, where the individual pays premiums in exchange for a death benefit to be paid to their designated beneficiaries upon the policy holder’s death. This death benefit can provide financial security and peace of mind for loved ones, helping them to cover expenses such

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