HEALTH

As you experience changes in your life, your health insurance coverage should adjust as well. Help protect the ones you love with health coverage to support your individual needs.

  • You can purchase individual health insurance through the Health Insurance Marketplace on your own. Even though it’s called individual health insurance, you can also find plans to cover your family.

  • Health care can be expensive, it’s a smart idea to have health insurance so you’re prepared for when you or your family have medical needs.

Why should I have individual health insurance?

  • Prepare for the unexpected. You never know when you’ll need medical help.

  • Staying healthy. Many preventive care services – like checkups - are covered at 100%.

  • It’s the law. Under the Affordable Care Act, you may pay a penalty if you don’t have qualified health care coverage.

 

HOME

Homeowner’s coverage doesn’t have to be difficult to understand.

A basic Insurance Policy will cover the following:

  •  The structure of your home

  •  Replacement costs

  •  Personal possessions (up to a set limit)

  • Living expenses in case of a disaster

  • Liability

You can also add supplemental policies such as:

  •  Valuable Articles/Floater policies

         (i.e. Jewelry Insurance)

  •  Flood policies

  •  Umbrella policies (additional liability)

 

LIFE

Life insurance is a crucial step in planning for your future and the future of your loved ones.

  • Life Term Insurance provides life insurance protection for a specified period of time. Term life is sometimes convertible to permanent coverage, providing you with flexibility as your needs change.

  • Whole Life Insurance is a form of permanent life insurance that remains in force for your entire lifetime, provided premiums are paid as specified in the policy.

  • Universal Life Insurance is a form of permanent life insurance characterized by its flexible premiums, face amounts and unbundled pricing structure. The savings element, premiums and death benefit can be reviewed and altered as a policyholder’s circumstances change.

 

AUTO

The insurance protection you need when you’re on the move:

  • Auto Insurance – Get the right insurance coverage for your car, truck, van other vehicles.

  • Motorcycle Insurance – Ride safe and insure your motorcycle.

  • ATV and Motorsport Insurance – Insurance policies that cover all your toys.

  • Classic Car Insurance – Your classic car is an icon. Insure it well.

  • RV and Mobile Home Insurance – Home insurance for your home-on-the-road.

  • Boat and Watercraft Insurance – Insurance coverage for the captain of the ship.

 

Dental

The cost of not taking care of your oral health could be more.

  • Dental benefits can help you get regular preventive care to protect your oral health

  • Safeguard your total health with dental benefits. Having a dental plan means you’re covered for services that ensure your dental health, so your overall health is improved.

  • That’s why we contract with affordable carriers that deliver quality and value. We offer benefits for the most common procedures and a wide network of dentists.

 

vision

We think you’ll like what you see in your search for the best vision insurance for you and your family.

  • Vision insurance is generally supplemental to other types of medical insurance policies. Vision insurance helps offset the costs of routine checkups and vision correction wear that may be prescribed

  • Routine eye exams are a preventive measure for keeping your overall health and wellness. Your doctor can look for vision problems and signs of serious medical conditions such as glaucoma, cataracts, diabetes, and even cancer.

 

business

We'll help you get your small business protected so you can focus on making it grow.

  • All small businesses, old and new, need general liability insurance. It's basic liability protection that guards against things like accidents, injuries, property damage and lawsuits.

  • Most small businesses insurance needs quickly extend beyond basic liability and commercial auto insurance. Certain jobs require specific coverages, employees need protection, and a number of risks fall outside the protection of basic liability coverage.

  • Accidents, illnesses, lawsuits… If you're in business, you're exposed. While the number of risks you're exposed to is almost unlimited, you might only need a few basic coverages to start out.

  • If you use vehicles for work, you'll need commercial auto insurance to be fully covered. Personal policies don't usually cover work related incidents.

 

Renter's

We'll help you make sure that your personal property is covered in a rented space.

  • Renters insurance protects your personal property in a rented apartment, condo or home from unexpected circumstances such as theft, a fire or sewer backup damage – and will pay you for lost or damaged possessions.

  • There are two types of coverage options under a typical renters policy: Actual Cash Value coverage and Replacement Cost coverage. Here’s the difference between the two: 

  • Actual Cash Value coverage will reimburse you for the value of the items at the time of the damage or loss.

  • Replacement Cost coverage covers the cost it takes to replace the items lost or damaged.

 
Contact

1229 E. Pleasant Run Rd. #310

DeSoto, Texas 75115

info@ffmic.com

 

Toll Free: 888-519-9040

Local: 972-898-9362

Text: 972-898-9362

Fax: 214-308-2011

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972-898-9362