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Carrier selection is extremely important to us. There are cheaper products, but we are not in the empty promises business. We fully understand that what we implement today can be the difference between solvency & bankruptcy or even life & death tomorrow. So the carrier selection process is one that we take very seriously.

Charles "Chas" Pierce is the founder of Insurance Mentor, a full service independent insurance brokerage that helps businesses & families save time & avoid costly mistakes in purchasing a custom suite of recommended products.Insurance Mentor proudly serves all Texans with a focus on the Colllin county. Before devoting his work full-time to Insurance Mentor, Chas served as Sales Operations Director at Scott & White Health Plan, Central U.S.

Chas obtained a Texas insurance license in 1989 and has also taught numerous Continuing Education courses for insurance professionals. He also holds an RHU, Registered Health Underwriter, designation from The American College of Financial Services.
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Comprehensive home insurance coverage protects your property against damage from fire, lightning, explosion, wind, hail, water damage, smoke, vandalism, theft, falling objects, plus additional hazards.
It also provides temporary living expenses if your home is uninhabitable after a covered claim.
The primary purpose of property insurance is to protect your investment from all risks.
Being underinsured is a common issue for homeowners and may not even know it until it's too late.
Being underinsured means that you don't have enough coverage to rebuild your home if it were destroyed by fire, tornado, or some other disaster.
It doesn't matter whether you drive a Kia or a Jag, a SUV or a sports car.
Vehicles today are complex machines.
Their lightweight construction and specialized technology improve fuel efficiency and protect you and your family.
We believe in providing high quality repairs that put your safety first.
You pick the repair shop, so there's no reason to do the repairs as cheaply as possible.
Liability coverages take care of the other people's medical bills & vehicle repairs if you cause an accident.
State minimum requirements are not coverage recommendations, just the minimum needed to drive legally in each state.
The main purpose of life Insurance is to ensure that your immediate family has financial support in the event of your death.
However, not everyone needs life insurance.
Life Insurance proceeds are a handy source of cash to pay the deceased's debts, funeral expenses, and replace missing income.
So, people who have no minor children or financial obligations really don't need life insurance.
The general rule is that you only need life insurance if you have dependents.
Typically, dependents are children who still live at home or have yet to graduate from college.
The primary function of health insurance is to shield you from the high cost of medical care.
It's especially important these days when medical bills for treatment of a serious illness or injury could easily eat up your savings or push you into bankruptcy.
Aside from the financial burden, having health insurance is important for several reasons.
Uninsured people receive less medical care, less timely care, they have worse health outcomes.
Better plans include preventive care which is important because it helps you stay healthy and access prompt treatment when necessary, and it can also help reduce your overall lifetime medical expenses.
Offering benefits to your employees is important because it shows them you are invested in not only their overall health, but their future.
A solid employee benefits package can help to attract and retain talent.
Healthier employees are also more productive.
There are four major types of employee benefits many employers offer: medical insurance, life insurance, disability insurance, and retirement plans.
There's a wide variety of options and each of these can have differing employer contribution levels.
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