John J. Ashford graduated from Euless Texas' Trinity High School in 2010. Shortly after he followed in the Texas family Medicare insurance business. He earned his Texas Insurance License in 2011. John also is considered an Independent Insurance Agent, being able to offer Medicare and life insurance plans from multiple insurance carriers in Texas.
He too, is a Founding Member of Ashford Insurance Services, LLC. They specialize in Texas Life Insurance, from some of the top carriers in Texas.
He also offers Medicare Advantage, Medicare Supplements, Cancer, Accident, Hospital Indemnity, Travel, Dental, Vision and Burial Insurance plans. He is centrally located in Bedford Texas, Tarrant County in the heart of the D/FW Metroplex also known as the Mid-Cities or HEB.
Life insurance pays out when the insured person dies. The idea is to protect loved ones from a sudden loss of financial support. You could also use it to support your local charity. There are three basic types of life insurance that differ in their details.
Term life insurance is known as “pure” life insurance, because it pays out the death benefit if the insured person dies within the defined term, anywhere from one to thirty years. If the named person does not die, no portion of the premiums will be returned to the policyholder. It simply insures against loss of life, and has a relatively low premium reflect this. Most term life insurance policies are renewable and convertible.
Whole life insurance has no predefined term; it provides death benefit protection over the “whole” life of the insured, as long as the premiums are paid. A whole life policy also combines an investment component with the insurance component: it accumulates a cash value which the insured may withdraw or borrow against during their lifetime. Compared to other forms of investing, life insurance policies tend to offer a relatively low rate of return. Consult with someone knowledgeable about financial planning before choosing a whole life insurance policy.
Universal life insurance has a cash value determined by short-term interest rates verses the stated long-term rate of a whole life policy. Premium payments in excess of the cost of insurance are added to the policyholder’s interest-bearing account. Although interest rates will fluctuate, it cannot fall below the policy’s stated guaranteed interest rate. Consult with someone knowledgeable about financial planning before choosing a universal life insurance policy.
Ashford Insurance Services, LLC in Bedford Texas is an Independent Insurance Agency specializing in North Texas Medicare Insurance for Seniors. We love working with seniors and making new friends.
Sun - Fri 8:00 - 6:00
* Not connected with or endorsed by the US Government or the Federal Medicare program. Call to receive complete information including benefits, costs, eligibility requirements, exclusions and limitations.
** Calling any of the above numbers will direct you to a Licensed Sales Agent
*** Clicking on Quote or Enroll Button will open our Enrollment Platform Website
© Copyright Ashford Insurance Services, LLC 2017. All Rights Reserved.