Eckert Insurance Group is an independent insurance agency serving Austin, Texas since 1966. We provide assistance with home, auto, business and life insurance.
As your needs and circumstances change, we will help you switch to the right coverage from the right company at the right price.
We have the technical wisdom and experience to help you worry less and live more with your insurance affairs well managed.
The Eckert 7-Point Program provides a holistic view of the financial risks we face.
Use the Eckert 7-point program as a road map to help insulate you from dramatic swings in your finances.
Once your planning is in place, it is time to worry less and live more.
Prepare now to replace your home from sudden peril.
To review an informative publication on homeowners insurance please visit Texas Department of Insurance. Helpful coverage comparison information is also found here at the Office of Public Insurance Council.
Prepare now for access to deep pockets in case you are sued.
Umbrella Insurance is an extra layer of liability insurance above your auto and home insurance limits and an umbrella policy helps you in at least three ways: compensates the other party from your negligence, gives you peace of mind that you have provided a source of funds to repay those suffered from your negligence, and helps you to further protect your assets from awards or judgments.
Prepare now for your survivors in the event of an untimely death in the family.
The same low rates are available whether you buy from the Internet, through direct mail or through a local agent. We recommend that you contact us for help in making a purchase. Without sales pressure, we help you decide on a policy and guide you through the underwriting process. And we will be there to help your survivors should they ever need to collect.
Some important legal documents to help survivors include:
Wills: If you die without a will, your survivors will be required to use the default will provided by the State of Texas. There are many problems with using the State's will, including tour property may not be distributed as desired, the judge may not declare the same administrator of your estate, or guardian for your children, as you would, and Trusts may not be set up for your children like you would want.
Guardians: If you don't select a guardian for your children and something happens to you, the court will appoint one. And it may not be the person you would have chosen. You choice of a guardian for your children should be included as part of your will.
Trusts: Trusts allow you to realize your goals by fine tuning the transfer of your estate as you wish, while also saving you taxes.
Please call our office for referrals to local attorneys in helping you set up wills, guardians and trusts.
Prepare now for large medical bills.
In addition to medical bills, there are often large bills to pay when someone needs informal care to help with their daily activities of living. Health insurance and Medicare do not pay for this informal care which can last a long time. Long Term Care insurance exists to help people prepare for these potential bills and lessen the blow to their retirement funds. Two good sites for more information are Office of Public Insurance Council and Own Your Future Texas Long Term Care Partnership.
Important legal documents to have in place for medical emergencies are:
Living Will (Medical Directive): If your medical condition is terminal within six months, this legal instrument allows physicians to remove you from life support. Without this in place, your decisions may not be granted.
Power of Attorney for Health Care: This grants your family the ability to make medical decisions for you if you are unable to make them for yourself. This power can be made temporary.
Durable Power of Attorney: This allows a family member to make financial decisions for you if you are unable to make them for yourself. This power can also be made temporary and customized to fit your particular situation.
Feel free to call our office for referrals to local attorneys in helping you set up legal medical documents.
Prepare now for income to continue in the event of a disability.
For information on disability insurance, visit disabilitycanhappen.org.
Grow your wealth now to maintain your lifestyle in retirement.
To get a quick calculation of what your social security check will be, visit www.ssa.gov/OACT/quickcalc/.
For assistance with spending and savings habits visit an excellent site hosted by The American Institute of CPAs called Feed the Pig.
Do-it-yourself investing: Consider easy-to-use target retirement fund through Vanguard at vanguard.com
A local advisor can provide personalized attention, review your situation, and provide advice and motivation. He or she can help you see your future more clearly and help you realize your investment goals. Feel free to call our office for referrals to financial planners.
Prepare now to see your kids through college.
To look up costs for each school, including many other facts about each campus, visit The College Board.
College 529 Plans: This investment vehicle is a great way to save for future college expenses. The money grows, tax deferred, and no taxes are paid on withdrawals used for education expenses. We recommend setting up an automatic monthly funds transfer from your checking or savings account.
To compare the many 529 plans out there, visit savingforcollege.com.
Financial Aid: More than 55% of the undergraduate students in the USA receive financial aid to help pay for college. Over $85 billion in financial aid is awarded to college students each year. For information regarding federal student aid, visit the US Department of Education. For information regarding scholarships and grants offered from sources outside the federal government, visit CollegeAnswer.com.