At the Shamburger Agency, our main objective and philosophy is to be honest, fair, and truly interested in our customer's insurance needs. With many years of service to Lubbock, TX and the surrounding areas, we understand your needs and have the experience to help you protect what matters most. As an Employee Benefits Insurance Agency working with both employers and individuals, we represent carefully selected and reputable insurance companies.
We know how to work efficiently with our companies, which means you receive the best coverage at the lowest price. Shamburger Agency will help you manage and plan for all your potential risks. Our agents work hard to build trusting relationships with every customer. We specialize in benefits such as: Health, Dental, Vision, Life, Disability and Voluntary insurance.
We live here, we invest in the community, and we are dedicated to providing you with tailored insurance policies that fit your needs. We work closely with you to design, implement and enroll the benefits you choose.
We know how to work efficiently with our companies, which means you receive the best coverage at the lowest price. Shamburger Agency will help you manage and plan for all your potential risks. Our agents work hard to build trusting relationships with every customer. We specialize in benefits such as: Health, Dental, Vision, Life, Disability and Voluntary insurance.
We live here, we invest in the community, and we are dedicated to providing you with tailored insurance policies that fit your needs. We work closely with you to design, implement and enroll the benefits you choose.
Services
Ross began his insurance career as a sales representative for Blue Cross Blue Shield of Texas in 1980, where he was promoted to Sales Manager of the Lubbock District Office.
In 1985, Ross left Blue Cross Blue Shield to become an Independent Broker as Blue Cross had made the decision to work with brokers instead of using their own sales force.
Married since 1973, Ross and D'Ann have two children that are both married and are currently blessed with four grandsons.
Ross and D'Ann are active in their church where both have spent many years working in children and youth ministry.
In 1985, Ross left Blue Cross Blue Shield to become an Independent Broker as Blue Cross had made the decision to work with brokers instead of using their own sales force.
Married since 1973, Ross and D'Ann have two children that are both married and are currently blessed with four grandsons.
Ross and D'Ann are active in their church where both have spent many years working in children and youth ministry.
Buying insurance isn't as easy as buying your groceries.
Insurance policies don't come with a "one-size-fits-most" price.
Your monthly insurance bill - also known as your premium - will be determined on many factors, including your health.
Insurance companies look at a variety of factors when they decide what to charge you for a policy.
But the biggest factor - and the one that you usually have the most control over - is your personal health.
Eating a balanced diet lowers your risk of heart disease, high cholesterol, and even some kinds of cancers.
Insurance policies don't come with a "one-size-fits-most" price.
Your monthly insurance bill - also known as your premium - will be determined on many factors, including your health.
Insurance companies look at a variety of factors when they decide what to charge you for a policy.
But the biggest factor - and the one that you usually have the most control over - is your personal health.
Eating a balanced diet lowers your risk of heart disease, high cholesterol, and even some kinds of cancers.
The internet has made shopping for insurance so much easier than it was in the past.
Now there is no need to drive around town to meet with an agent; you can easily compare rates, benefits, and apply all right online!
Some insurance companies even let you apply right from their website.
But even with so much done online, it still makes sense to work with an agent.
Agents at Shamburger Agency can help you analyze your risks and what would be best for you and your needs.
It's their job to help you shop for plans from leading carriers, so you can be confident you've found the best rates and benefits for you.
Now there is no need to drive around town to meet with an agent; you can easily compare rates, benefits, and apply all right online!
Some insurance companies even let you apply right from their website.
But even with so much done online, it still makes sense to work with an agent.
Agents at Shamburger Agency can help you analyze your risks and what would be best for you and your needs.
It's their job to help you shop for plans from leading carriers, so you can be confident you've found the best rates and benefits for you.
What's the hardest part of buying life insurance?
For most people, it's trying to figure out exactly how much you should have.
It doesn't make financial sense to spend money on protection you don't need.
But you still have to make sure your family will always be comfortable - even if the worst happens.
Most financial advisors recommend multiplying your yearly income by 8-10 times to help choose a coverage amount.
Most of the time a term policy will cover your needs.
Term Policies can be bought where rates are guaranteed for 10-30 years.
For most people, it's trying to figure out exactly how much you should have.
It doesn't make financial sense to spend money on protection you don't need.
But you still have to make sure your family will always be comfortable - even if the worst happens.
Most financial advisors recommend multiplying your yearly income by 8-10 times to help choose a coverage amount.
Most of the time a term policy will cover your needs.
Term Policies can be bought where rates are guaranteed for 10-30 years.
Simply put, health insurance is protection against medical costs.
A health insurance policy is a contract between an insurer and an individual or group, in which the insurer agrees to provide specified health insurance at an agreed-upon price (the premium).
Depending on your policy, your premium may be payable either in a lump sum or installments.
Health insurance usually provides either direct payment or reimbursement for expenses associated with illnesses and injuries.
The cost and range of protection provided by your health insurance will depend on your insurance provider and the particular policy you purchase.
A health insurance policy is a contract between an insurer and an individual or group, in which the insurer agrees to provide specified health insurance at an agreed-upon price (the premium).
Depending on your policy, your premium may be payable either in a lump sum or installments.
Health insurance usually provides either direct payment or reimbursement for expenses associated with illnesses and injuries.
The cost and range of protection provided by your health insurance will depend on your insurance provider and the particular policy you purchase.
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