Comprehensive Supplemental Protection

Being your own boss is the cornerstone of the American dream, especially in the thriving economies of Texas and Oklahoma. From independent contractors in the construction and oil industries to freelance creatives and consultants in Dallas, Austin, and Oklahoma City, the spirit of entrepreneurship is alive and well. However, one of the greatest challenges of self-employment is the loss of the “corporate safety net.” When you leave a traditional job, you leave behind the HR department and the group benefits package. At Houston’s Life & Legacy Insurance, Gloria Houston specializes in filling that gap. We believe that choosing to work for yourself should not mean choosing to go without protection. We provide comprehensive insurance for the self-employed that is as flexible and hardworking as you are.

For many contractors in our service areas, the primary concern is the cost of health insurance. Without an employer to subsidize premiums, the numbers can look intimidating. Gloria works directly with self-employed professionals to navigate the ACA Marketplace and private off-market options to find plans that fit a fluctuating income. We understand that as a freelancer, your monthly revenue might look different in July than it does in December. Because of this, we focus on finding plans that offer the right balance of affordability and robust coverage. We help you explore tax-advantaged options and subsidies that are specifically available to business owners in Texas and Oklahoma, ensuring you aren’t paying a penny more than necessary for high-quality care.

Beyond standard medical insurance, we emphasize the importance of “income protection” strategies for the self-employed. If you are an independent contractor and you get sick or injured, your income often stops immediately. There is no paid sick leave or short-term disability provided by a “home office.” This is where Houston’s Life & Legacy Insurance provides a critical advantage. We design benefit packages that include accidental insurance and hospital indemnity—policies that pay cash directly to you. This cash can be used to cover your business overhead, pay your mortgage, or keep your family’s grocery budget intact while you are recovering. We help you build a personalized “benefits department” that follows you from contract to contract, providing the stability you need to grow your business with confidence.

We also address the long-term legacy needs of business owners. For many self-employed individuals in Oklahoma and Texas, their business is their primary asset. But what happens to that asset—and the family supported by it—if something happens to you? We integrate life insurance solutions, such as Indexed Universal Life (IUL) or Term Life, into your business planning. These policies can serve as a buy-sell agreement fund, a way to pay off business debts, or a tax-free retirement supplement. Gloria Houston’s six years of expertise allow her to see the big picture. She doesn’t just see a policyholder; she sees a business owner building a legacy. Our goal is to ensure that your business remains a blessing to your family, not a burden, by providing a suite of insurance products that protect both your health and your professional life.

Finally, we simplify the enrollment process. We know that as a contractor, your time is literally money. You don’t have hours to spend on hold with insurance carriers or navigating confusing government websites. Houston’s Life & Legacy Insurance acts as your personal benefits coordinator. We handle the research, the quotes, and the paperwork, presenting you with the best options for your specific situation. Whether you are a “solopreneur” or a contractor managing a small crew, we provide the localized, professional guidance you need to stay protected. Let us help you secure your health and your legacy, so you can stay focused on what you do best: building your business in the Great Plains and the Lone Star State.