Darrough Vic Insurance Agency

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Insurance, Dental Insurance, Health Insurance

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Tomorrow: 9:00 am - 5:00 pm

35 Years

in Business

(817) 481-6003Call Visit WebsiteVisit Website Map & DirectionsDirections210 W College StGrapevine, TX 76051 Write a ReviewWrite Review

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Hours

Regular Hours

Mon - Fri:	9:00 am - 5:00 pm

Places Near Grapevine with Insurance

Southlake (5 miles)
Coppell (6 miles)
Flower Mound (9 miles)
Colleyville (9 miles)
Euless (11 miles)
Bedford (12 miles)
Lewisville (15 miles)
Las Colinas (15 miles)
Los Colinas (15 miles)

More Info

Email

Extra Phones

Phone: (817) 488-9145

Fax: (817) 488-9145

AKA

Vic Darrough Insurance

Other Links

http://www.darroughagency.com

http://darroughagency.com/ContactUs.cfm

Categories

Insurance, Dental Insurance, Health Insurance, Life Insurance, Long Term Care Insurance, Workers Compensation & Disability Insurance

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Details

Phone: (817) 481-6003

Address: 210 W College St, Grapevine, TX 76051

Website: http://www.darroughagency.com

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Darrough Vic Insurance Agency

Health and Life

Life Insurance
Life Insurance - most medical plans have a minimum amount of life insurance attached, but many carriers no longer require you to purchase life with the medical. You may purchase a group life product separate from the medical and get less expensive rates. Keep in mind, the value (premium) of any amounts over $50,000 are taxable to the employee.
Health Insurance
Health Insurance Premiums do not generate income for your business. They are 100% pure profit dollars out of your pocket.
Disability Insurance
Long and Short Term Disability - If purchased together the two policies should "dove tail" together; the Long Term begins when the Short Term ends. The Short Term is set up to begin relatively quickly (after 0, 7, 14, or 30 days) and pays disability benefits for 90 or 180 days (usually). Then the Long Term begins and pays for 2 years, 5 years, or to age 65 (usually). Compare to individual disability insurance the cost is much less, but the policies are limited in dollar benefits paid (depending upon the policy; 60% of salary to a maximum benefit of $1,000 a week for short term and $6,000 a month for long term). Some higher paid employees may want to purchase individual plans to pick up the slack. With any disability plan you need to pay attention to the definitions. What is the definition of Own Occupation, Regular Occupation, Partial Disability, even Salary (you may have employees on a commission or a bonus structure).
Long Term Care
The Darrough Agency is an independent agency specializing in Employee Benefits: Medical, Dental, Life, Disability, Vision, Long Term Care, as well as a variety of Voluntary products.
Dental Insurance
Dental Insurance - Employees love dental insurance because they use it once or twice a year. It is probably the single most popular ancillary product. Most products will let you go to any dentist, however to avoid the problem with "balance billing" (dentist charges you the "balance" of what they normally charge for a procedure versus what the carrier allows) it is important to examine the network and the average amount the carrier pays for procedures in your area ("percentile" - some carriers pay in the 90th percentile, some in the 70th; some carriers offer a choice of policies).
Vision Insurance
Vision Insurance - Several companies offer vision insurance and some of the main vision carriers have been acquired by large medical carriers (although they still do business independently). This is another popular employee benefit and is relatively inexpensive to add. Most carriers require 10 employees to enroll.

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