Insurance Planning Services

Helping Texans protect what matters most

Smart Insurance Choices Start with a Plan

Protecting your family, income, and future

Insurance isn’t just a product—it’s a key part of your overall financial strategy. At Dearborn & Creggs, we help you understand which types of insurance make sense for your goals, your stage of life, and your existing financial plan. Whether you’re in Sugar Land, Katy, or anywhere across Texas, we’ll work with you to make sure you’re covered without being overwhelmed.

Personalized Insurance Planning Services

Coverage that fits your needs—not just a policy

We take a comprehensive approach to evaluating your insurance needs alongside your long-term financial goals.

Life Insurance Planning

We help you determine the right amount and type of life insurance—whether it’s term, whole, or universal—to protect your family and legacy.

Policy Review & Integration

Already have coverage? We’ll review your policies to make sure they still align with your goals and recommend changes if needed.

Disability Insurance Guidance

We explain how disability insurance works and help you decide whether employer-provided or supplemental coverage fits your income and risk tolerance.

Long-Term Care Insurance Insights

We help you understand the costs and coverage of long-term care options, and when it may make sense as part of your retirement or estate plan.

Insurance Is Planning for the Unexpected

And it works best when it’s part of the big picture

Too often, insurance is sold as a one-size-fits-all solution—but your life and finances are anything but. That’s why we treat insurance as a piece of your financial puzzle, not a standalone product. With the right coverage in place, you can feel more confident about your family’s future, your income, and your ability to handle life’s curveballs.

Common Questions About Insurance Planning

Clear answers for individuals and families across Texas

  • Do I need life insurance if I already have some through work?

    Work-based life insurance is a great benefit, but it usually isn’t enough to fully protect your family—especially if you leave your job. We’ll help you understand what’s covered and whether you need additional protection. It often makes sense to supplement workplace coverage with a portable policy that stays with you no matter your employer. Together, we’ll create the right level of coverage for your situation.

  • How does disability insurance work, and do I need it?

    Disability insurance can replace a portion of your income if you’re unable to work due to illness or injury. If you’re the primary income earner—or your household relies on your paycheck—it’s worth considering. We’ll explain short-term vs. long-term policies and help you decide what’s appropriate for your income and profession. The goal is to help you stay financially secure, even if the unexpected happens.

  • Is long-term care insurance really necessary?

    Long-term care insurance can help cover the high costs of assisted living, nursing care, or in-home support later in life. It’s not right for everyone, but it can play a valuable role in retirement or estate planning. We’ll help you weigh the benefits, costs, and timing so you can decide if it fits your overall goals. It’s all about preparing for the “what-ifs” while keeping your plan realistic.

  • Can you help me understand the policies I already have?

    Yes. Many clients come to us with existing policies and aren’t sure whether they’re still a good fit. We’ll review your documents, explain what’s covered, and let you know if changes are needed. Even if your policies are solid, it’s worth revisiting them every few years as life and finances evolve.

  • Do you sell insurance policies directly?

    While we can recommend trusted providers and help you evaluate options, our role is to offer independent guidance—not push products. That means we focus on what’s right for your goals, not commissions. Our priority is building a plan that fits your life, not just selling a policy.