Tailored Insurance for the Self-Employed and Contractors

Being your own boss is the cornerstone of the American dream, especially in the thriving economies of Texas and Oklahoma. 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 strategies for independent contractors, freelancers, and small business owners that are as flexible and hardworking as you are.

Gloria works directly with self-employed professionals to navigate the ACA Marketplace and private off-market options, finding plans that fit a fluctuating income. Because your monthly revenue might look different in July than it does in December, we focus on plans that offer the right balance of affordability and robust coverage. Beyond standard medical insurance, we emphasize the importance of income protection. If you are an independent contractor and get sick or injured, your income often stops immediately. 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 handle the research, the quotes, and the paperwork, acting as your personal benefits coordinator so you can focus on building your business.