Hi I'm Rosa L Hernandez

It has been my passion and calling to provide the necessary support in Health Care and Estate Planning for more than 40 years. I started providing health care here in Central Texas since 1978 and grew into Pre-need and Estate plans.

Planning Over Time

It takes experience, empathy and compassion to overcome the challenges that Pre-need Planning brings. I am honored to be the cornerstone that you can build your future on.

Qualifications

I am certified as a Pre-need Specialist by the State of Texas Insurance Board, and I bring with me the highest set of ethos and standards in the industry and my proven track record shows it.

Let me help you with that!

Are genetic diseases covered by insurance?

Passed in 2008, a federal law called the Genetic Information Nondiscrimination Act (GINA) made it illegal for health insurance providers in the United States to use genetic information in decisions about a person's health insurance eligibility or coverage. This means that health insurance companies cannot use the results of a direct-to-consumer genetic test (or any other genetic test) to deny coverage or require you to pay higher premiums. However, GINA does not apply when an employer has fewer than 15 employees

“End of Life with Dignity and Care”

Preneed Planning and Care

You might think Preneed Planning is only for people with a terminal illness, but that's not entirely true. Any person diagnosed with a chronic, serious illness can benefit from Preneed Planning to improve their quality of life. Supportive Preneed Planning starts from day one.

The focal point of Preneed Planning is to provide better holistic symptoms management, pain, stress and symptom management for as long as your illness lasts, in coordination of ongoing concurrent treatment or if prognosis is six months or less (hospice care).

Preneed Planning What’s Considered A+ Holistic Life Coverage

  • Supportive
    By planning ahead, you are more likely to avoid unwanted or unnecessary suffering and relieve caregivers of decision-making burdens during moments of crisis or grief. You also help reduce confusion or disagreement about the choices you want people to make on your behalf.
  • Hospice
    Hospice care, or end-of-life care, addresses the life-ending stage of a serious illness when no further curative or life-prolonging therapy is desired or available or when the adult patient or family member does not want to pursue it. When standard curative treatment begins to hurt and not help, intensive comfort measures, such as pain and symptom management, is an option.
  • Prepaying Final Funeral Arrangements
    To help relieve families, an increasing number of people are planning their own funerals, designating their funeral preferences, and sometimes paying for them in advance. They see funeral planning as something they themselves can plan and arrange.

Who should get pre-need life insurance?

Suppose you have a terminal illness that disqualifies you from a final expense life insurance policy (which is rare but possible), or you don’t qualify for an affordable term life insurance policy. In that case, you may benefit from a pre-need insurance policy. 

If you want your funeral to be serviced through a specific institution, or you want to lift the burden of funeral planning from your beneficiaries, you may also consider purchasing pre-need insurance.

A Person or Family has the ability to make clear and well-considered decisions regarding Preneed Planning. As a result, family members can handle all the other things that comes during this difficult time.

If you’re unsure whether to purchase pre-need or final expense insurance, I can help you decide which policy makes the most sense for your situation.