Your Place For
Insurance Resources

A Premier Texas Insurance Agency Since 1913


Latest News and Blogs from Pathfinder LL&D

Texas led U.S. in catastrophic losses in 2015

According to a news release issued by the Insurance Council of Texas, Texas led the U.S. in catastrophic losses in 2015. Tornadoes, hailstorms and fires took their toll on the state last year with insured losses well over $3 billion. Texas had over three times as many cla... Read More

Cheap auto insurance may ultimately cost you

Recently, a reporter affiliated with CBS interviewed me on the subject of “How do I get low-cost auto insurance?” While Pathfinder/LL&D doesn’t typically sell policies that include only the minimum limits mandated by Texas, we do shop the market for the best program for o... Read More

The robotic future of insurance

Artificial intelligence and robots may utterly transform the industry... Read More

Key developments concerning insurance for 2016

An insurance insider's perspective on driverless cars, drone registration, increasing gun sales, and gift card fraud.... Read More

Santa calls his insurance agent

After the North Pole's main database fell prey to North Korean hackers, Santa decided he needed to purchase cyber liability insurance to mitigate any future breaches. His trusty independent insurance agent made a series of recommendations for additional coverage.... Read More

Life insurance premiums: They don’t go up, or do they?

A life insurance policy comes in two different flavors: Term insurance (no cash value) and permanent insurance (cash value).... Read More

Should we leave healthcare to the free market?

Healthcare in the United States hasn’t been at the mercy of a free market in a long, long time. In 2010, before the dawn of the Affordable Care Act, our government—not our citizens or our businesses, but our government—spent more on healthcare than most developed countrie... Read More

Over 50% of ACA co-ops closing, White House defends program

With over half of the insurance co-ops established to support the Affordable Care Act closing their doors, the Obama administration continues to defend the embattled program.... Read More

Our perilous reliance on social programs

During the Great Depression of the 1930s, the U.S. government created a safety net called Social Security, giving a monthly stipend for basic necessities to retired citizens without savings. The program was initially designed to keep elderly Americans from becoming destit... Read More

Merchants, have you upgraded your credit card terminals yet?

Recently, U.S. credit card companies began a transition from magnetic stripes to “EMV” (Europay, Mastercard, and Visa) chips in the cards they issue. Both technologies allow merchants to charge a customer’s account; however, EMV chips offer better security features, inclu... Read More