Personal Insurance Protecting
What Matters Most
Your Life, Family & Assets
Your personal world is unique, and so are your protection needs. At Best Insurance, part of Justina Chen Associates, we offer a comprehensive suite of personal insurance solutions designed to protect you and your loved ones from unexpected financial events. We partner with top-rated carriers to find the ideal coverage for your health, life, home, auto, and travels, ensuring long-term security and ultimate peace of mind.
Client-First Approach
We take the time to truly understand your individual circumstances, goals, and concerns. Our recommendations are always tailored to your specific life stage and needs, not a generic plan.
TOP RATED Carrier Network
As independent brokers, we have access to a broad network of reputable insurance companies. This ensures we can compare and secure the most competitive rates and best-value policies that perfectly fit your budget and coverage requirements.
Integrated Financial Strategy
As part of Justina Chen Associates, we view your personal insurance as an essential piece of your overall financial strategy. We connect your protection with your wealth management goals, providing cohesive and strategic advice.
personal insurance protects you and your family against unespected finacial events.
Why Personal Insurance is a important of Your Financial Plan?
Personal insurance isn't just about covering losses; it's about building a secure financial foundation. It protects your hard-earned assets, provides for your family's future, and offers a critical safety net against life's uncertainties, allowing you to live confidently.
Essential Personal Insurance Options:
Comprehensive Protection with Our Expertise, Your advantage.
Best Insurance offers a full spectrum of insurance products for individuals and families, ensuring you're covered for every facet of your life.

Health Insurance
Access quality healthcare with the right coverage. We help you navigate options to protect your health and finances.
Individual & Family Plans
Private Insurance and Obamacare (ACA) plans to fit your specific needs.
Medicare Insurance
Expert guidance on Medicare Advantage, Medicare Supplement (Medigap), and Prescription Drug Plans (Part D) for seniors.
Short-Term Health Insurance
Flexible coverage (1-12 months) for temporary needs like job transitions.
Catastrophic Health Insurance
Essential protection against very high medical costs from serious illnesses or injuries.
Dental and Vision Insurance
Standalone plans for comprehensive oral and eye care.
High-Deductible Health Plans (HDHPs)
Explore options with lower monthly premiums, often paired with Health Savings Accounts (HSAs).
Foreign National Health Insurance
Important coverage for non-U.S. citizens while visiting or residing in the United States.
Long-Term Care Insurance
Secure your future care. This coverage helps cover the costs of home care, assisted living, or nursing home care if you become unable to perform activities of daily living independently.
Life Insurance
Provide lasting financial protection for your loved ones and secure your legacy. It can replace lost income, fund children’s education, cover final expenses, pay off debts, and leave an inheritance.
Term Life Insurance
Provides financial protection for a specific period (e.g., 10 to 30 years), ideal for covering mortgages or child-rearing years.
Whole Life Insurance
Permanent coverage that lasts your entire life, often including a cash value component. Options include Final Expense Insurance for covering end-of-life costs.
Indexed Universal Life (IUL) Insurance
A popular type of permanent life insurance combining a death benefit with a cash value that can grow based on a stock market index (like the S&P 500). Benefits include market-linked upside potential, downside protection, tax-deferred growth, tax-free withdrawals/loans, and "Living Benefits" (accelerated death benefits for chronic or critical illness).
Auto Insurance
Get comprehensive coverage for your vehicles against accidents and other incidents.
Liability Coverage
Mandatory in Texas (30/60/25) to cover damages or injuries you cause to others if at fault.
Collision Coverage
Pays for damage to your own vehicle from collisions.
Comprehensive Coverage
Covers non-collision damage (theft, vandalism, fire, natural disasters).
Medical Payments (MedPay) or Personal Injury Protection (PIP)
Covers medical expenses for you and your passengers, regardless of fault.
Uninsured/Underinsured Motorist Coverage
Protects you if you're hit by a driver who has no insurance or insufficient coverage.
Homeowners & Renters Insurance
Protect your most valuable assets with comprehensive coverage.
Homeowners Insurance
Protects the physical structure of your home, personal belongings, and provides liability coverage for incidents on your property. Includes Dwelling Coverage, Personal Property, Liability, Additional Living Expenses (ALE), and Medical Payments Coverage.
Renters Insurance
Protects your personal belongings within a rented property and provides liability coverage.
Travel Insurance
Explore the World with Confidence.
Travel Coverage
Gain financial protection against unforeseen events and losses during domestic or international travel. Coverage often includes Trip Cancellation/Interruption, Medical Emergencies (including evacuation), Lost/Stolen/Damaged Baggage, Travel Delays, and 24/7 Emergency Assistance.
What you get with every plan?
The Perfect Fit, Just For You
We don't believe in one-size-fits-all. We'll listen to your unique needs and compare top carriers to find the precise policy that truly protects you and your goals.
Smart Savings, Great Coverage
Get the coverage you need without overpaying. We tirelessly compare rates and discounts from multiple providers to secure the best value for your budget.
Real Support When It Matters
When you need us most, we're here. Our dedicated team provides clear guidance, quick answers, and unwavering support from your first quote through any claim.
