If you thought that medical insurance plans could only be obtained at work, think again. Texas has a very robust market for carriers offering individual medical coverage. M A R Financial has established a dedicated web-site strictly for the purpose of showcasing all of the individual medical plans available to Texas residents.

Individual Medical plans can be surprisingly affordable, but, please be aware. All individual and family medical plans available in Texas are MEDICALLY UNDERWRITTEN. Unlike group insurance plans, which must take everyone, an individual medical carrier may exclude certain medical conditions for a period of time or permanently, they can increase the stated premium to cover additional percieved risk, or they can both exclude certain conditions AND increase the premium, or finally, they can decline to cover a particular individual.

                                     To shop on-line for individual medical coverage, click here.

                     To discuss your individual needs with a professional counselor contact us here.


Dental insurance is available on an individual basis. All individual  fully-insured dental plans will impose waiting periods before certain procedures are covered. This can be a problem if you need a root canal and a crown today. For those individuals who may have an immediate need for expensive dental care, we have several excellent "negotiated fee-for-service" plans that provide affordable care through a particpating network of providers. Call us to discuss your particular needs.

If you don't have disability income insurance available through your employer (and over 60% of Texas employers do not provide a long-term disability insurance plan for their employees), then you need an individual policy to protect your most valuable asset--your ability to earn an income.

Professor Larry Gibson says, "If you can only afford to buy one insurance policy, life, health, or disability, buy the disability."

Plug "life insurance" into your web browser and you will get a zillion hits. Everybody and his cousin wants to sell you life insurance. Well, so do we! The difference is: we will first help you determine the appropriate amount of coverage using a simple needs planning device. Only when the appropriate amount of coverage is determined can we proceed to discussing the correct product to cover your assets. We can write coverage with well over a hundred carriers: term, mortgage cancellation term, return of premium term, permanent term, conventional whole life, universal life, no lapse guarantee ul,  and more. We will help you find the product that best suits your needs and budget.

Yes, we will provide you a "quote" over the phone or by email, but:

No agent or agency can provide an accurate quote for the cost of coverage until the insurance carrier has underwritten the application. No one can. If you will write your life insurance business through us, we will promise you that you will receive a fair honest policy. Using our propriatory underwriting process, we will shop your case with a number of carriers to be sure that you have received a competetive price for your coverage. If you use us, you will have to do the medical exam and blood test only once. We will use those results to shop your application. We will submit your application for insurance COD. You have nothing invested but your time during the underwriting process. When an offer is made to insure your life, only then would you signal your acceptance by tendering your check for the first premium.

Here's  more information on all of your property and casualty exposures, and how we can help.