Worthen Insurance Group

09/02/2026

𝐖𝐨𝐫𝐭𝐡𝐞𝐧 𝐖𝐞𝐝𝐧𝐞𝐬𝐝𝐚𝐲: 𝐌𝐞𝐝𝐢𝐜𝐚𝐫𝐞 𝐌𝐚𝐝𝐞 𝐒𝐢𝐦𝐩𝐥𝐞 💙
This week's question: 𝗪𝗵𝘆 𝗱𝗼 𝘀𝗼𝗺𝗲 𝗰𝗹𝗶𝗲𝗻𝘁𝘀 𝗶𝗴𝗻𝗼𝗿𝗲 𝘆𝗼𝘂𝗿 𝗮𝗱𝘃𝗶𝗰𝗲 𝗮𝗻𝗱 𝗲𝗻𝗱 𝘂𝗽 𝗶𝗻 𝗯𝗮𝗱 𝗠𝗲𝗱𝗶𝗰𝗮𝗿𝗲 𝗽𝗹𝗮𝗻𝘀 - 𝘄𝗵𝗮𝘁 𝗺𝗮𝗸𝗲𝘀 𝘁𝗵𝗲𝗺 𝗿𝗲𝘀𝗶𝘀𝘁𝗮𝗻𝘁?

I'll be honest, I don't think of it as clients ignoring advice. When someone ends up in coverage that doesn't fit, there's almost always an understandable reason behind it, and after 21+ years in the insurance industry, I've learned those reasons deserve respect, not frustration.

Here's what's usually going on:

𝗧𝗵𝗲 𝗧𝗩 𝗮𝗱 𝗴𝗼𝘁 𝘁𝗵𝗲𝗿𝗲 𝗳𝗶𝗿𝘀𝘁. Some folks arrive with their mind made up because a commercial promised benefits that sounded amazing. Those ads aren't lying exactly, but they lead with the shiniest features and skip the trade-offs. Competing with a celebrity spokesperson is real, and I get why a friendly voice on TV feels trustworthy.

𝗔 𝗳𝗿𝗶𝗲𝗻𝗱'𝘀 𝗲𝘅𝗽𝗲𝗿𝗶𝗲𝗻𝗰𝗲 𝗳𝗲𝗲𝗹𝘀 𝗹𝗶𝗸𝗲 𝗽𝗿𝗼𝗼𝗳. "My sister has this plan and loves it" is powerful. The hard part is that Medicare is deeply personal. Different doctors, different medications, different health histories. The plan that's perfect for your sister can genuinely be wrong for you. That's not intuitive, and I don't blame anyone for leaning on people they trust.

𝗣𝗿𝗶𝗰𝗲 𝘁𝗼𝗱𝗮𝘆 𝗯𝗲𝗮𝘁𝘀 𝗽𝗿𝗶𝗰𝗲 𝘁𝗼𝗺𝗼𝗿𝗿𝗼𝘄. It's human nature to focus on this month's premium rather than what happens if your health changes in five years. Some of the most important Medicare decisions are about protecting your future self, and the future is hard to price emotionally.

𝗗𝗲𝗰𝗶𝘀𝗶𝗼𝗻 𝗳𝗮𝘁𝗶𝗴𝘂𝗲 𝗶𝘀 𝗿𝗲𝗮𝗹. By the time someone reaches me, they've gotten fifty pieces of mail and a dozen calls. Some people just want the deciding to be over, and they'll grab whatever ends the noise.

What do I do about it? I don't argue. 𝗜 𝗮𝘀𝗸 𝗾𝘂𝗲𝘀𝘁𝗶𝗼𝗻𝘀, 𝗜 𝘀𝗵𝗼𝘄 𝗽𝗲𝗼𝗽𝗹𝗲 𝗵𝗼𝘄 𝘁𝗼 𝗰𝗼𝗺𝗽𝗮𝗿𝗲 𝗳𝗼𝗿 𝘁𝗵𝗲𝗺𝘀𝗲𝗹𝘃𝗲𝘀, 𝗮𝗻𝗱 𝗜 𝗺𝗮𝗸𝗲 𝘀𝘂𝗿𝗲 𝘁𝗵𝗲𝘆 𝗸𝗻𝗼𝘄 𝘁𝗵𝗲 𝘁𝗿𝗮𝗱𝗲-𝗼𝗳𝗳𝘀 𝗯𝗲𝗳𝗼𝗿𝗲 𝘁𝗵𝗲𝘆 𝘀𝗶𝗴𝗻 𝗮𝗻𝘆𝘁𝗵𝗶𝗻𝗴. Sometimes they still choose differently than I would, and that's their right. It's their coverage, not mine. What matters is they chose with clear eyes. And when circumstances change, as they often do, they know I'm still here, no I-told-you-so included.

𝗧𝗵𝗲 𝗽𝗲𝗼𝗽𝗹𝗲 𝗿𝗲𝗮𝗱𝗶𝗻𝗴 𝘁𝗵𝗶𝘀: if you picked a plan and you're now unsure about it, that's not a failure on your part. 𝗣𝗶𝗰𝗸 𝘂𝗽 𝘁𝗵𝗲 𝗽𝗵𝗼𝗻𝗲, 𝗮𝘀𝗸 𝘀𝗼𝗺𝗲𝗼𝗻𝗲 𝘁𝗼 𝘄𝗮𝗹𝗸 𝘁𝗵𝗿𝗼𝘂𝗴𝗵 𝗶𝘁 𝘄𝗶𝘁𝗵 𝘆𝗼𝘂, 𝗮𝗻𝗱 𝘀𝗲𝗲 𝗶𝗳 𝗶𝘁 𝘀𝘁𝗶𝗹𝗹 𝗳𝗶𝘁𝘀. No lecture, I promise.

08/26/2026

𝐖𝐨𝐫𝐭𝐡𝐞𝐧 𝐖𝐞𝐝𝐧𝐞𝐬𝐝𝐚𝐲: 𝐌𝐞𝐝𝐢𝐜𝐚𝐫𝐞 𝐌𝐚𝐝𝐞 𝐒𝐢𝐦𝐩𝐥𝐞 💙
This week's question: 𝐖𝐡𝐞𝐧 𝐜𝐚𝐧 𝐈 𝐟𝐢𝐫𝐬𝐭 𝐬𝐢𝐠𝐧 𝐮𝐩 𝐟𝐨𝐫 𝐌𝐞𝐝𝐢𝐜𝐚𝐫𝐞?

𝐘𝐨𝐮𝐫 𝐈𝐧𝐢𝐭𝐢𝐚𝐥 𝐄𝐧𝐫𝐨𝐥𝐥𝐦𝐞𝐧𝐭 𝐏𝐞𝐫𝐢𝐨𝐝 (IEP) is a 𝟕-𝐦𝐨𝐧𝐭𝐡 𝐰𝐢𝐧𝐝𝐨𝐰: it starts 3 months before your 65th birthday month, includes your birthday month, and runs 3 months after.

This is the window most people use to enroll penalty-free. What catches people off guard is that "3 months after" doesn't mean you have all the way until your birthday to relax — the earlier in that window you enroll, the sooner your coverage typically starts.

𝐌𝐢𝐬𝐬𝐢𝐧𝐠 𝐭𝐡𝐢𝐬 𝐰𝐢𝐧𝐝𝐨𝐰 𝐚𝐥𝐭𝐨𝐠𝐞𝐭𝐡𝐞𝐫 𝐢𝐬 𝐰𝐡𝐚𝐭 𝐥𝐞𝐚𝐝𝐬 𝐭𝐨 𝐩𝐞𝐧𝐚𝐥𝐭𝐢𝐞𝐬 𝐚𝐧𝐝 𝐜𝐨𝐯𝐞𝐫𝐚𝐠𝐞 𝐠𝐚𝐩𝐬, so it's worth marking on your calendar the moment you turn 64.

Call now to connect with business.

08/19/2026

𝐖𝐨𝐫𝐭𝐡𝐞𝐧 𝐖𝐞𝐝𝐧𝐞𝐬𝐝𝐚𝐲: 𝐌𝐞𝐝𝐢𝐜𝐚𝐫𝐞 𝐌𝐚𝐝𝐞 𝐒𝐢𝐦𝐩𝐥𝐞 💙

This week's question: 𝗪𝗵𝘆 𝘀𝗵𝗼𝘂𝗹𝗱 𝗜 𝘄𝗼𝗿𝗸 𝘄𝗶𝘁𝗵 𝗮 𝗠𝗲𝗱𝗶𝗰𝗮𝗿𝗲 𝗮𝗴𝗲𝗻𝘁?

Honestly? 𝗕𝗲𝗰𝗮𝘂𝘀𝗲 𝗠𝗲𝗱𝗶𝗰𝗮𝗿𝗲 𝗶𝘀 𝗰𝗼𝗻𝗳𝘂𝘀𝗶𝗻𝗴 - 𝗮𝗻𝗱 𝘆𝗼𝘂 𝘀𝗵𝗼𝘂𝗹𝗱𝗻'𝘁 𝗵𝗮𝘃𝗲 𝘁𝗼 𝗳𝗶𝗴𝘂𝗿𝗲 𝗶𝘁 𝗼𝘂𝘁 𝗮𝗹𝗼𝗻𝗲.

Here's what a good agent actually does for you:

𝗪𝗲 𝗲𝗱𝘂𝗰𝗮𝘁𝗲 𝗳𝗶𝗿𝘀𝘁. Before you pick anything, you should understand how Medicare works, when your enrollment windows are, and what happens if you miss them. Some deadlines come with lifelong penalties — and nobody warns you about that in a TV ad.

𝗪𝗲 𝗹𝗼𝗼𝗸 𝗮𝘁 𝗬𝗢𝗨𝗥 𝘀𝗶𝘁𝘂𝗮𝘁𝗶𝗼𝗻. Your doctors. Your prescriptions. Your budget. What worked great for your neighbor might be a poor fit for you.

𝗪𝗲'𝗿𝗲 𝘀𝘁𝗶𝗹𝗹 𝗵𝗲𝗿𝗲 𝗮𝗳𝘁𝗲𝗿 𝘆𝗼𝘂 𝗲𝗻𝗿𝗼𝗹𝗹. If your health, medications, or coverage changes down the road, you have a person to call who already knows your story. Try getting that from a 1-800 number. 📞

And here's the part that surprises people: 𝘄𝗼𝗿𝗸𝗶𝗻𝗴 𝘄𝗶𝘁𝗵 𝗮𝗻 𝗮𝗴𝗲𝗻𝘁 𝗰𝗼𝗺𝗲𝘀 𝗮𝘁 𝗻𝗼 𝗰𝗼𝘀𝘁 𝘁𝗼 𝘆𝗼𝘂. We're compensated by the insurance carriers, so you get the guidance without a bill.

Can you do this on your own? Absolutely. But you don't have to — and people feel a lot more confident when someone walks them through it.

Have a Medicare question you'd like answered on a future Worthen Wednesday? Drop it in the comments or give us a call at 281-819-6619. 💬

07/30/2026

Insurance protects what you've built. Planning decides where it goes next.

That's where our sister company, Worthen Financial Advisors, comes in. Angela Johnson, CFP®, RICP® works with individuals and families on financial planning, investments, retirement income, and tax-smart strategies - all with the same relationship-first approach you get from us.

Two companies, one family, zero pressure.

👉 worthenadvisors.com

https://youtu.be/SvrxFy5T_Go?si=XrGtWn6xb27pXe1N

Two couples share an honest look at what changed after they stopped...

07/29/2026

Two new faces at Worthen Insurance Group.

Heather Altgassen joins us as our new Personal Lines Account Manager. She's the one who will walk you through your renewals, answer the "wait, what does this actually cover?" questions, and make sure your account is taken care of before you have to ask.

And Dylan Robinson is our new intern, learning the business from the ground up. Dylan is second-generation Worthen - many of you already know his mom, Amanda Aden, who worked with us for years before staying home with her family. It says a lot about this place that her son wanted to come work here, too.

Welcome to both of you. Our clients are lucky to have you.

07/24/2026

"What car should we buy for our teenager that won't wreck our insurance?"

We get this one a lot, especially this time of year. Fair question, and the answer is more useful than most people expect. Insurance rates aren't guesswork. They're built on years of claims data showing which vehicles get stolen, which cost a fortune to repair, and which ones tend to be driven into things.

A few things that surprise people:

🚗 The safest used car and the cheapest one to insure aren't always the same vehicle. Some of the top safety picks are among the priciest to cover.

🚗 Trim matters. A Civic and a Civic Si are the same car on the window sticker and very different cars to an underwriter.

We broke the whole thing down on the blog, including the IIHS list of safest used vehicles for teen drivers and the two checks worth doing before you sign anything.

Shopping right now? Send us the VINs of whatever you're considering, and we'll quote them side by side before you buy. That's what we're here for.

The safest used car for your teen and the cheapest one to insure aren't always the same vehicle. A few of the safest picks on the market are also some of the priciest to cover. Here's how to tell the difference before you buy.

07/08/2026

I'm excited to share that we now offer Premium Lock, the 3-year price guarantee for your home insurance policy! This is a helpful tool to fight rising home insurance prices without changing carriers or losing coverage.

Click the link below or give us call! 281-845-2770

https://eventualclimate.com//request-quote/397abd7b-0a7b-4bc0-9fb3-7b36bd3502fd

06/11/2026

We're growing! Fast-paced office, supportive team, and a role where organization and follow-through actually matter. If you like renewals and solving real client problems, you’ll fit right in.

At Worthen Insurance Group, we take care of people, and we take renewals seriously. We’re hiring an experienced 𝐏𝐞𝐫𝐬𝐨𝐧𝐚𝐥 𝐋𝐢𝐧𝐞𝐬 𝐀𝐜𝐜𝐨𝐮𝐧𝐭 𝐌𝐚𝐧𝐚𝐠𝐞𝐫 for our Retention Team to manage an established book, walk clients through renewal options, and step in when changes are needed. With over 89% year-over-year retention, this role is all about protecting trust and keeping clients confidently covered.

𝐖𝐡𝐚𝐭’𝐬 𝐢𝐧 𝐢𝐭 𝐟𝐨𝐫 𝐲𝐨𝐮
$50,000–$65,000 base plus commission
Predictable schedule: Mon–Fri, 8:30 AM–5:00 PM
Established client base with strong retention
Clear renewal process + tools/automation to stay efficient
Benefits package: health, dental, vision, life, LTD, 401(k), and 401(k) match
Generous PTO so you can actually take time off
Tradetime available

𝐖𝐡𝐚𝐭 𝐲𝐨𝐮’𝐥𝐥 𝐝𝐨
Manage a high volume of personal lines renewals on a structured timeline
Review renewal terms, prepare quotes, and present options clearly and confidently
Retain/rewrite/remarket policies as needed, always in the client’s best interest
Maintain underwriting accuracy and stay current on carrier/product changes
Identify coverage gaps and recommend smart improvements
Upsell/add lines and cross-sell to other departments when it truly benefits the client
Use automation/technology to work efficiently and document activity consistently
Collaborate with the team to improve processes and client experience

𝐖𝐡𝐚𝐭 𝐰𝐞’𝐫𝐞 𝐥𝐨𝐨𝐤𝐢𝐧𝐠 𝐟𝐨𝐫
Required:
3+ years of Property & Casualty insurance experience (personal lines)
Strong written/verbal communication and time management
Organized, deadline-driven, and comfortable managing a high-volume workflow
Strong problem-solving skills and good judgment
Proficient in Microsoft applications

𝐇𝐨𝐰 𝐰𝐞 𝐰𝐨𝐫𝐤 (𝐨𝐮𝐫 𝐯𝐚𝐥𝐮𝐞𝐬)
We put relationships first
We do what we say we’ll do
We take ownership and solve problems
We stay positive and professional, even when it’s busy
We’re confident, but never arrogant
We’re self-motivated and team-minded

Ready for a role where clients stick around, and your work is noticed? 𝐀𝐩𝐩𝐥𝐲 𝐭𝐨𝐝𝐚𝐲.

Apply for the Personal Lines Account Manager – P&C Insurance (In-Office, Full-Time) job in Friendswood, TX! Learn more about the job description, salary, and job details to see if you qualify on Indeed today.

06/09/2026

25 years ago today, Houston woke up underwater. Tropical Storm Allison dumped more than 20 inches of rain in just 6 hours on the east side, that those short-duration records still stand today. Harvey brought more total water in 2017, but nothing has matched how hard and fast Allison came down.

If you've lived here long enough, you remember. And if you're newer to the area, ask a neighbor. They'll tell you.

Here's the thing we see all the time in our line of work: people assume that because their home has never flooded, it never will. But Allison flooded neighborhoods that had stayed dry for decades. Harvey did it again in 2017. Storms don't care about your home's history.

Most homeowners policies do not cover flood damage. It takes a separate flood policy, and there's usually a 30-day waiting period before it kicks in, so the time to think about it is now, not when a storm is spinning in the Gulf.

If you've ever wondered whether flood insurance makes sense for your home, give us a call. We're happy to walk through it with you, no pressure. That's just the Worthen way. 😀

Stay safe out there, Houston.

06/01/2026

Time to prepare, and renew that flood insurance! 281-819-6619

Well, here we are. The start of the six-month Atlantic hurricane season. In this post we attempt to give you the information you need about what to expect and how to prepare, without raising your anxiety too much. A little preparation now will go a long way if the worst happens.

https://spacecityweather.com/everything-you-need-to-know-about-2026-atlantic-hurricane-season/