One commonly known as Huda Hassen Durri (henceforth Huda) holds interest in a general lines life and health insurance agent's license as well as one commonly known as policy-holders' counseling license. Huda's intent has long been rooted in "how can I serve the global humanity prudently?" Whether the con-tracts are commonly known as insurance, warrantees, policies, treaties, constitutions, bills, codes, bonds, suits, and the likes, this drive helped her comprehend the general under-writings of contracts that affect humanity's life and health.
Huda means guidance, and is the founder in interest of E-CHOICE INSURANCE SERVICES INC. (henceforth E-Choice).
Though there are no guarantees that historical precedence will set the grounds of our future, well positioned "risk-aversion policies"--namely, insurance products--historically and now have been the cornerstones of prudent and safe portfolios.
The heart which drives wise interest holders in life and health 'insurance' - a/k/a risk aversion - counselor's license is to detect and shelter from related risk exposures. Once realized polices' risks are sheltered, the remainder exposures should be manageable and/or pleasant surprises.
According to the Texas Department of Insurance (TDI),
(a) An applicant for a life and health insurance counselor license must take an examination administered under Chapter 4002 that includes the following:
(1) fundamentals of life and health insurance;
(2) group life insurance, pensions, and health insurance;
(3) law, trust, and taxation;
(4) finance and economics; and
(5) business insurance and estate planning.
(b) The department may not issue a life and health insurance counselor license to a person unless the person has passed each part of the examination.
What can life and health insurance counselors do? TDI defines the role of "insurance counselors" as follows,
Sec. 4052.001. DEFINITION. In this chapter, "life and health insurance counselor" means a person who:
(1) for compensation,** offers to examine or examines a life, accident, or health insurance policy, a health benefit plan, or an annuity or pure endowment contract to give advice or other information regarding:
(A) the policy, plan, or contract terms, conditions, benefits, coverage, or premiums; or
(B) the advisability of:
(i) changing, exchanging, converting, replacing, surrendering, continuing, or rejecting a policy, plan, or contract; or
(ii) accepting or procuring a policy, plan, or contract from an insurer or health benefit plan issuer;
(2) in any public manner:
(A) uses as a title
(i) "insurance adviser";
(ii) "insurance analyst";
(iii) "insurance counselor";
(iv) "insurance specialist";
(v) "policyholders' adviser";
(vi) "policyholders' counselor"; or
(vii) any other similar title; or
(B) uses any other title indicating that the person gives or is engaged in the business of giving advice or other information to an insured, a beneficiary, or any other person having an interest in a life, accident, or health insurance policy, a health benefit plan, or an annuity or pure endowment contract.
In addition to Huda's personal qualifications, we also have direct access to these carriers' product experts and a host of independent field experts to add a treasure of experience while still remaining independent to serve you best. As your brokerage firm, our value-based service is often at no additional cost to you.
Part of our core ethics is to extend our merciful wings towards those with injured or broken wings whenever possible.
Track records speak volumes of any one entity or individual. We have a track record of selfless acts of wisdom, kindness, humility and integrity. Among many of Huda's community out reach ventures, she has volunteered at a Veteran's hospital and the Peace Corps.
Support all businesses with visions to nurture a world that extends its wings of mercy for a sustainable and joyful humanity and ecosystem. Support E-Choice, where the 'E' represents our Ethical-Choice of business practices.
We encourage you to review the credentials of anyone you seek for a guidance in matters to policies that are related to your life and health via state's department of insurance.
Leave the research to us; insure your choice!
**It is important to note that TDI prohibits "dual compensation". This mandate reads,
Se. 4052.055. DUAL COMPENSATION PROHIBITED. A life and health insurance counselor is not entitled to receive compensation for the same service provided to the same client if the counselor:
holds a license under Chapter 4054 [a general lines of life and health insurance agent license]; and
receives compensation for the service as an agent licensed under that chapter.
Why is the following restrictive advertising statue mandated?
§ 4052.054. LIMITS ON ADVERTISING. A life and health insurance counselor may not advertise in any manner and may not circulate materials indicating professional superiority or the performance of professional service in a superior manner.