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Ray Hakey

The Hakey Insurance Agency

Veteran-owned business. I am blessed with the opportunity to engage and help families every single day. I’m truly an advisor and not a salesman, I’m going to tell you everything you need to know about each applicable product and offer my honest advice if it best fits your needs. Just give me 1-2 minutes of your time and then let me do my job finding you the best polices for your family and keeping your budget in mind. Text me, call me, or e-mail me (ray.hakey.insurance@gmail.com).

Contact Info
Ray Hakey The Hakey Insurance Agency
rayhakeyinsurance.advisorprofiles.com/
San Antonio Texas
Mobile: 910-987-9204
Resident license: 2879339
Licensed states:
Texas
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How Long-Term Care Insurance Works
• 11 min read
To purchase a long-term care policy, you will fill out an application and answer any questions. The insurer may ask for your medical records and interview you by phone or face to face. You will then choose the amount of coverage you desire. You begin...
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MED
Choosing A Medicare Broker
• 11 min read
From Medicare to Medicaid, Veterans’ Benefits, long-term insurance, and a wide range of other coverage options, there are many sources of support for your senior’s medical needs. But how do you navigate the complex world of medical insurance? Make no...
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IUL
Indexed Universal Life (IUL) Insurance: What It Is and Whether It's for You
• 11 min read
What is an IUL? An IUL is a type of permanent life insurance, meaning it can accumulate cash value and provide a death benefit. Like other types of whole life policies -- including universal life insurance and variable universal life insura...
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LIFE
What To Do When When A Life Insurance Company Wants To Buy A Policy Back
• 11 min read
I recently received another communication from a life insurance company looking to purchase back from the policy owner a life insurance policy issued years earlier. Offers like this happen periodically, but this is the first time I’ve seen it fr...
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LTC
Long-Term Care Insurance For Those Lung Cancer
• 11 min read
When you are diagnosed with lung cancer, you may want to explore options for covering expenses that might arise as you need assistance in your daily life. This might be a home health aide, assisted living, or nursing home care. These are all forms of...
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LTC
Turning 60? Smart Money Moves You Can Make Today
• 11 min read
Those nearing retirement have many factors to consider, but by making a few financial decisions early on, you can protect yourself from the risks that lie ahead. Begin thinking about long-term care, medical insurance, and retirement spending before s...
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LIFE
Mortgage Protection Insurance: When Do You Need It?
• 11 min read
For many people, being a homeowner is the greatest achievement in life. But if you become disabled or suddenly pass away, your family could fall behind on mortgage payments, eventually leading to foreclosure.However, some safeguards ca...
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MED
Considerations If You’re Eyeing A Medigap Policy To Help Cover Medicare Costs
• 11 min read
For many Medicare beneficiaries, a supplement plan — aka, Medigap — is an appealing way to cover some out-of-pocket costs.These policies at least partially cover the cost-sharing aspects of Medicare — deductibles, copays and coinsurance. However, the...
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Want to know how to pay your mortgage from the grave?
• 11 min read
A new life insurance product can now allow your mortgage to be paid if your breadwinner dies. The Payment Protector coverage works like traditional life insurance, but without the expensive premiums or arduous examination. With Americo’s...
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