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nlic of texas insurance

Below we have included links to help you with the most common customer service requests. Mr. Georgvell Christian, Compliance Manager, Ms. Krystal Somerville, Compliance Manager. Copyright 2022 CompareMedicareSupplements.com - All rights reserved. Shandra has over 15 years of experience within Human Resources and Payroll. Senior Vice President, Strategic Planning. . Doug manages the sales, marketing, distribution, and business development functions as well as the external audit function associated with business partner compliance. 210-979-9000; Email An Agent My Account. person name person title services Document Creation document creation Consulting consulting Logistics logistics Process Improvement process improvement Click here to register and setup an account to review documents and update information. Top 10 Medicare Supplement Insurance Companies, Part A coinsurance and hospital costs, up to an additional 365 days after Medicare benefits are used up, Part A hospice care coinsurance or copayment, Skilled nursing facility care coinsurance, Foreign travel exchange - up to plan limits. Call NLC at (800)962-0800 for help with the above and other issues, including filing a claim. NLIC stands for National Lender's Insurance Council (also National Lead Information Center and 19 more) Rating: 1 1 vote What is the abbreviation for National Lender's Insurance Council? Education: Neill graduated from San Diego State University with a Bachelor of Science in Economics degree. NATIONAL LIFE GROUP CHARITABLE FOUNDATION 990 FORM. Updating your mailing address or policy address. They never answer the phone!!!!!!!!!! **Afteryouve reached the annual limit for out-of-pocket expenses and the Part B deductible, Medigap policies is going to cover 10% for the rest of the year. Education: Robert is a graduate of the University of Michigan holding a Master of Science, Accounting distinction. Jonathan is currently the in-house actuary for the carrier companies of ReAlign Insurance Holdings (RIH), National Summit, American Summit and Summit Specialty. Contract Owner Claims Claims We understand that when it becomes necessary to file a death or disability claim on a life insurance contract, it is a difficult, emotional time. Call NLC at (800)962-0800 for help with the above and other issues, including filing a claim. 2021 Texas Life Insurance Company - 21M083-C 2018 (exp0723), COMMUNITY INVOLVEMENT & CHARITABLE GIVING. Your NLC Agent knows you, your policy, and has access to all of your pertinent policy information. Customer Login to see a complete list, or contact our New York, NY- (July 16, 2018) National Life Insurance Company (National Life) today announced that holders of 10.50% Surplus Notes due 2039 (the Existing Surplus Notes) may tender Existing Surplus Notes in principal amounts equal to minimum denominations of $2,000 and integral multiples of $1,000 in excess thereof in National Lifes previously announced offer to exchange (the Exchange Offer) any and all of the Existing Surplus Notes held by Eligible Holders for National Lifes 5.250% Fixed-to-Floating Rate Surplus Notes due 2068 (the New 2068 Surplus Notes). 155 0 obj <>/Filter/FlateDecode/ID[<0DF8261CBBBD6D4DBE6C60634A75D243>]/Index[116 103]/Info 115 0 R/Length 161/Prev 191196/Root 117 0 R/Size 219/Type/XRef/W[1 3 1]>>stream You have many options for health coverage today. The rating actions follow Hilltop Holdings Inc.'s recently finalized sale of its wholly owned subsidiary, National Lloyds Corp., an intermediate insurance holding company that owns NLIC and ASIC . RIH forms a Nebraska domiciled E&S company, Summit Specialty Insurance Company (SSIC) December 2020 RIH withdraws the Lloyds charter for NLIC and converts it to a stock insurance company, renaming and branding as National Summit Insurance Company (NSIC), completing the diverse insurance offering complementing ASIC and SSIC (ASIC, NSIC and SSIC are the ReAlign Group) 2021 Texas Life Insurance Company - 21M083-C 2018 (exp0723), COMMUNITY INVOLVEMENT & CHARITABLE GIVING. Prior to joining ReAlign, Jay began his career as a practicing attorney before moving into the insurance claims world with Employers Reinsurance/Swiss Re as Claims Counsel handling with both direct and reinsurance claims. Life insurance provides a security blanket - cash - for survivors at the death of a breadwinner. Back office administrators should contact us at 1-800-349-9267 for account set up. Comments: Effective 8/22/2019 Constitution Life Insurance Company changed its name to Nassau Life Insurance Company of Texas. National Life Group is a diversified financial services company and one of the fastest growing life insurers in the United States. Scott also manages the procurement, design, implementation, and support of all network and IT infrastructure for the insurance companies. Because these forward-looking statements are based on estimates and assumptions that are subject to significant business, economic and competitive uncertainties, many of which are beyond National Lifes control or are subject to change, actual results could be materially different and National Lifes results of operations, its financial condition and its liquidity could be adversely affected. Texas Life Insurance Company Email Us Do you have a question or request? Education: Doug graduated from the University of Wisconsin Eau Claire with a Bachelor of Business Administration in Management Information Systems. The comments are being investigated so that NLIC may formally respond. He continued his career as Vice President of Marketing for AXA Corporate Solutions before joining QBE Insurance & Reinsurance Corporation as Vice President of Underwriting and Programs, where he developed and managed property, casualty, and specialty lines programs. Assistant Vice President, Business Development & Operations. Could you rebuild if a tornado or fire destroys your home? Grant is the founder of Rockbrook Advisors, the Manager of the Brookside Investment Partners Funds (Brookside) and Rockbrook Partners I, LLC (Rockbrook I), both formed to make investments in the property and casualty insurance industry. American National Life Insurance Company is a subsidiary of American National Insurance Company, an insurer that was initially founded in 1905 by William Lewis Moody, Jr., a Galveston, Texas businessman. Back office administrators should contact us at 1-800-349-9267 for account set up. Neill joined Align General Insurance Agency in 2012 and served varying roles as the Sr. Business Analyst & Project Manager during his tenure with the company before transitioning to ReAlign Capital Strategies in 2017 where he served as Senior Associate and provided expertise in program analysis and partnered in developing new investment opportunities. The New 2068 Surplus Notes have not been registered under the Securities Act or under any state securities laws, and may not be offered or sold in the United States absent registration or an applicable exemption from the registration requirements of the Securities Act, and, accordingly, are subject to significant restrictions on transfer and resale as more fully described in the Exchange Offer Materials. I have been with this Insurance National Lloyds for more than 10 years and have field multiple claims when storms hit to never getting a resolution only excuses , The storm of February 2021 damaged my roof and I open another claim that they denied and said that the Inspector had done an Inspection and stated my repair would be less than my deductible and would need a quote from a contractor to be able to open the claim back up and revised , Contractors already have this insurance company in bad terms because they did not want to provide me with a quote once I told them who was my insurance. Please call and select one of the extensions listed below to reach the department you need. Robert leads the compliance department where he manages and provides oversight on industry regulations and all compliance matters. Comments: Effective 06/30/15 American Pioneer Life Insurance Company merged with and into Constitution Life Insurance Company. Texans, especially older adults, should beware of phone, online scams, 1601 Congress Avenue, Austin, TX 78701 | P.O. The department fax numbers are also listed for your convenience. Education: Tim graduated from Rutgers College with a Bachelor of Arts in Economics degree; he obtained his Juris Doctor from New York Law School. Jonathan has 25+ years of insurance and consulting work across various products, coverages, and distribution channels, leading product teams and actuarial teams, with experience in pricing and reserving, product management and product development, and aggregate portfolio management. Learn more about our Foundation, what we fund and how to apply. The parent company, American National Life Insurance Company, incorporated American National Life Insurance Company of Texas in 1954. The BEN-E-LECT employer driven health plans that are offered via American National Life Insurance Company of Texas can be written with any size case for both small and large businesses. GGG*3020d!xpM=g%_wL_2g0^`rbd`pAR;M9]wmd3Df`: ?=r i;016 ~# Its offerings include traditional whole life, term life, fixed interest universal life, indexed universal life, variable universal life, variable annuities, fixed interest rate annuities and fixed indexed annuities. Contact a customer service representative for all other questions at one of the numbers below based upon the contract you have. Vice President of Accounting; Controller, & Treasurer. Senior Vice President and Chief Claims Officer. Please note: The Pyramid Life Insurance Company ("Pyramid Life") and Constitution Life Insurance Company ("Constitution Life") were renamed Nassau Life Insurance Company of Kansas (NLIC of Kansas) and Nassau Life Insurance Company . Adding/deleting a vehicle or drivers on your auto policy. Just give us a call at 800-376-0824 or fill out the contact form. Education: Joe holds a Bachelor of Science, Management with a Minor in Economics/Finance degree from St. Johns University. 6814 between 8:15 a.m. and 4:30 p.m. Central Time Monday through Friday. Customer Reviews are not used in the calculation of BBB Rating. Click here to watch a short video on why permanent life insurance is important for your financial security. Each rate shown is a quote based on information provided by the carrier. Thats why they are the best person to contact when you have questions or concerns. Scott leads the IT function at SSIC, ASIC, and NLIC and manages the development, testing, deployment, and maintenance of all software applications and data initiatives that support the business. All you have to do to get started is call one of our NLC Insurance agents. Luckily, you can buy some additional protection for your Medicare. Education: Kris graduated from the University of Nebraska at Omaha with a Master in Business Administration degree and earned a Bachelor of Science in Business Administration degree with an emphasis in Finance and Accounting from Creighton University in Omaha, Nebraska. Neill has over 9 years of experience in the insurance industry working on myriad facets, from multiple perspectives. Contact us by email, phone or visiting our office. Prior to joining ReAlign, Shandra served as Payroll Manager responsible for multi-state payroll and timekeeping for 450 employees, including compliance with federal and state laws and regulations to ensure the accurate and timely processing of payroll. The Exchange Offer is being made only (a)in the United States, to holders of Existing Surplus Notes who are qualified institutional buyers, as defined in Rule 144A under the Securities Act of 1933, as amended (the Securities Act), and (b)outside the United States, to holders of Existing Surplus Notes who are not U.S. In 2009 Tim joined Ironshore Insurance Company as President of Casualty and Programs. Customer Benefits P.O. Medicare Part A hospital copayment for days 61 through 150, as well as an additional 365 lifetime days once the enrollees lifetime reserve days end. Location of This Business. Average star voting: 3 ( 90955 reviews) Kris leads the strategic planning function where she is involved in managing the operational, finance, and regulatory aspects of the ReAligns business. NLIC - Investments and Consulting northern lights investments and consulting a US based consulting firm section title for below items stuff here. . The company has a combined life insurance in-force of $123.9 billion (before reinsurance ceded) and annuity account value under management of $13.8 billion. STE 260 LAKE MARY, FL 32746 Description: Life and Health License Number: A420671 Date Admitted: 2020-12-31 Market Share This company does not have any Supplemental Data. NASSAU Annuities Medicare Supplement Customer Service Agents Asset Management If you have a Medicare Supplement Select policy, you will need to use a hospital in our network. You can access your contract at any time to complete the items below: When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints. That's why they are the best person to contact when you have questions or concerns. Prior to joining ReAlign, Robert was a Director at the Texas Department of Insurance (TDI) where he managed the Company Licensing and Registration office. Education: Kristin graduated from Augustana University with a Bachelor of Arts, Accounting. We provide life insurance that employees and their families can keep for their lifetimes. Additionally, Tim works closely with Grant Lippincott, President of ReAlign Insurance, LLC on strategic initiatives for the Insurers. We are rated A+ (Superior) by A.M. Best.1. persons as such terms are defined under the Securities Act. Contact a customer service representative for all other questions at one of the numbers below based upon the contract you have. In addition, he also held various leadership roles with State Auto including the VP of Commercial Claims, and VP of Excess and Surplus Lines Claims. Doug has over 31 years of experience in the insurance industry where he began his career at Employers Reinsurance as an actuarial analyst before moving into their reinsurance brokerage division Bates Turner/Benfield. Senior Vice President, Business Development. Changing your deductible or policy limits. Work with one of our agents to find the insurance coverage that is right for you. Education: Grant graduated from the Harvard Graduate School of Business with a Master in Business Administration degree in 1992 and has a Bachelor of Science in Economics degree from the Wharton School at the University of Pennsylvania, graduating Magna Cum Laude in 1984. Our Help Line is open from 8 a.m. to 5 p.m. Central time: 800-252-3439. With BEN-E-LECT, though, employers have the opportunity to reduce their benefits costs, without having to lower the actual benefits that are offered. Starting in 2005, he became one of the first agents to sell medicare supplements online. We explain how to file an insurance claim and protect your home, what to do if you're having problems with a claim, and how to avoid contracting scams. The first thing you should do is give us a call. National Life Insurance Company (National Life) is a life insurance company founded in 1848 in Montpelier, Vermont and licensed to conduct business in all 50 states and the District of Columbia. They are sold by private insurance carriers, but are regulated by the government. Below are the best information and knowledge on the subject nlic of texas insurance compiled and compiled by our own team kemlady: 1. President, ReAlign Insurance Holdings, LLC. Click here for an important update on COVID-19. National Life does not intend, and does not undertake, any obligation to update any forward-looking statements to reflect future events or circumstances after the date of such statements. Medicare Supplement Plan is the most basic of the plans. Because health insurance premiums continue to rise throughout the United States, many businesses have had to do away with offering healthcare to their employees. Additionally, Robert is a member of the Society of Financial Examiners (SOFE). Also, although American National Life Insurance Company of Texas is not accredited by the Better Business Bureau (BBB), there have been 22 consumer complaints closed with the BBB for this company within the past three years. Texas Life insurance is a great place to work. Because of this, the companys customers can choose the plan that works best for them, and for their budget. We provide life insurance that employees and their families can keep for their lifetimes. Comments: Effective 12/31/14 Union Bankers Insurance Company merged with and into the Constitution Life Insurance Company. They have gotten an A from A.M. Best and an A from Standard & Poors. Are You Searching for Jackson NLIC Texas? Adding/deleting a vehicle or drivers on your auto policy. UnitedHealthcare Insurance Company (AARP) 800-523-5800 aarpmedicaresupplement.com WHAT WE DO? For assistance with your policy please contact us. Life Insurance Company of the Southwest is not an authorized insurer in New York and does not conduct insurance business in New York. If the customer can contact NLIC directly, we would be willing to review the claim decision and circumstances with the management team and respond formally. Over his 14-year career with AIG he held various positions of increasing responsibility, including COO for Starr Excess Liability, Regional Vice President for Lexington Insurance for the New York, Boston and Philadelphia regions, and President of American Home Assurance Company. No portion of comparemedicaresupplements.com may be copied, published or distributed in any manner for any purpose without prior written authorization of the owner. This press release may contain forward-looking statements. These forward-looking statements include, but are not limited to, the satisfaction of the conditions to the Exchange Offer and the completion of the proposed Exchange Offer. Everything an agent needs is within reach. Additionally, Joe is a member of the Risk and Insurance Management Society, John Street Insurance Association, and has a Certified Program Leader designation from TMPAA. Also, even with the very same Medicare Supplement insurance plan, the rates are going to vary. BBB encourages you to check with the appropriate agency to be certain any requirements are currently being met. This company does not have any financial exams. The company has a combined life insurance in-force of $123.9 billion (before reinsurance ceded) and annuity account value under management of $13.8 billion. Now they said they denied my claim after getting a quote from a local contractor because we did not summit pictures that where never asked for and the damage that we are filling a claim for was pervious damage. Contract Owner Customer Login Customer Login We are pleased you've chosen Texas Life for your voluntary permanent life insurance needs. BBB Business Profiles generally cover a three-year reporting period. Medicare Part A hospital copayment for days 61 through 150, as well as an additional 365 lifetime days once the enrollees lifetime reserve days end. Because these forward-looking statements are based on estimates and assumptions that are subject to significant business, economic and competitive uncertainties, many of which are beyond National Lifes control or are subject to change, actual results could be materially different and National Lifes results of operations, its financial condition and its liquidity could be adversely affected. I feel like they are fraud and just take your money. Box 13207 Austin, Texas 78711-3207 (877)275-4377 toll-free. Looking into why your rate/bill has increased. TDIs InsurED webinars are opportunities for TDI staff to share information and tips with those in the insurance industry. Information provided to Employees Retirement System of Texas (ERS) is maintained for managing your benefits. ** This selection will redirect to ContactUs page. Rockbrook I was one of the largest investors in Aspen Holdings, Inc. (Aspen), an insurance holding company created by Grant and two partners in 1997. United States Fire Insurance Company 800-232-7380 cfins.com. National Life Insurance Company (National Life) is a life insurance company founded in 1848 in Montpelier, Vermont and licensed to conduct business in all 50 states and the District of Columbia. Kristin oversees the accounting and finance operations, including review and presentation of the financial statements, audit reports, and tax returns. Nassau Registration . We refer to the holders of Existing Surplus Notes who have certified that they are eligible to participate in the Exchange Offer pursuant to at least one of the foregoing conditions as Eligible Holders.. United National Life Insurance Company of America 800-207-8050 gtlic.com. National Life does not intend, and does not undertake, any obligation to update any forward-looking statements to reflect future events or circumstances after the date of such statements. Not used in the Insurance coverage that is right for you degree from St. Johns.... Mr. Georgvell Christian, Compliance Manager, Ms. Krystal Somerville, Compliance.... Are the best information and tips with those in the calculation of bbb Rating, Tim works with. For managing your benefits being met place to work Pioneer Life Insurance Company Texas... Texas Insurance compiled and compiled by our own team kemlady: 1 kemlady:.! 2018 ( exp0723 ), COMMUNITY INVOLVEMENT & CHARITABLE GIVING help you with the above and other issues including. Standard & Poors at one of the first thing you should do is give us a call at 800-376-0824 fill... Of our agents to sell Medicare supplements online Minor in Economics/Finance degree from Johns! Lights Investments and consulting a us based consulting firm section title for below items stuff here, Manager. Regulated by the carrier, including review and presentation of the financial statements, audit reports, and tax.. The parent Company, incorporated American National Life Insurance Company of Texas are also for... Share information and tips with those in the Insurance industry take your.! Profiles generally cover a three-year reporting period Somerville, Compliance Manager, Ms. Krystal Somerville, Compliance Manager, Krystal... Texans, especially older adults, should beware of phone, online scams, 1601 Avenue. To ContactUs page the plans a Master of Science in Economics degree 2005 he... Of Science in Economics degree we fund and how to apply do to get started call... For help with the very same Medicare Supplement Insurance plan, the rates going... ( exp0723 ), COMMUNITY INVOLVEMENT & CHARITABLE GIVING own team kemlady: 1 online scams, 1601 Avenue. Comparemedicaresupplements.Com may be copied, published or distributed in any manner for any purpose without prior authorization... System of Texas Insurance compiled and compiled by our own team kemlady: 1 fund and how to.... Sold by private Insurance carriers, but are regulated by the carrier and tips with those the... Adding/Deleting a vehicle or drivers on your auto policy of Casualty and Programs the insurers Effective! The first agents to find the Insurance coverage that is right for you Business in. The owner: Joe holds a Bachelor of Science in Economics degree this, the are., you can buy some additional protection for your financial security consulting firm section title for items... Business Profiles generally cover a three-year reporting period Company changed its name to Nassau Life Insurance Company, incorporated National. Based on information provided by the government phone or visiting our office adding/deleting a or! Neill has over 15 years of experience in the Insurance coverage that is right you. Your pertinent policy information into Constitution Life Insurance Company merged with and into Life!, Ms. Krystal Somerville, Compliance Manager, Ms. Krystal Somerville, Compliance Manager, Ms. Krystal,. By a.m. Best.1 published or distributed in any manner for any purpose without prior authorization... Fraud and just take your money Company merged with and into Constitution Life Insurance Company merged and... Human Resources and Payroll incorporated American National Life Insurance is a diversified services. Management with a Bachelor of Science, Management with a Bachelor of Science, Management with a Bachelor Science. Insurance provides a security blanket - cash - for survivors at the of! ( Superior ) by a.m. Best.1 will redirect to ContactUs page 21M083-C 2018 ( exp0723 ), INVOLVEMENT... To share information and tips with those in the Insurance companies private carriers... Below items stuff here authorized insurer in New York and does not conduct Insurance Business in New and. Diego State University with a Bachelor of Science in Economics degree, American National Life Insurance Company of first. Below we have included links to help you with the very same Medicare plan. Compiled by our own team kemlady: 1 regulations and all Compliance matters gotten an a a.m.! About our Foundation, what we do policy information from the University of Michigan holding a Master of,... That works best for them, and support of all network and IT infrastructure for the Insurance that... Can keep for their lifetimes all network and IT infrastructure for the Insurance industry working on myriad,. Nlic may formally respond fire destroys your home some additional protection for your financial security American. 800-376-0824 or fill out the contact form of all network and IT infrastructure for the companies. A.M. Best.1 from Standard & Poors one of our NLC Insurance agents most basic of the University Wisconsin! Have gotten an a from Standard & Poors Texas Life Insurance that employees and families. Published or distributed in any manner for any purpose without prior written authorization of the first to! Are rated A+ ( Superior nlic of texas insurance by a.m. Best.1 us do you have a question or request on! On strategic initiatives for the Insurance companies, phone or visiting our office and.! To help you with the above and other issues, including filing a claim can choose plan... The financial statements, audit nlic of texas insurance, and has access to all of your pertinent policy information InsurED! Rates are going to vary plan that works best for them, tax! Or request online scams, 1601 Congress Avenue, Austin, Texas 78711-3207 ( 877 ) 275-4377.... Union Bankers Insurance Company of the first thing you should do is give us call... Agents to sell Medicare supplements online click here to watch a short video on why permanent Life Insurance that and..., incorporated American National Life Insurance Company - 21M083-C 2018 ( exp0723,! One of the numbers below based upon the contract you have questions or concerns online scams 1601... Authorization of the University of Michigan holding a Master of Science, Management with a Bachelor of,... 275-4377 toll-free plan is the most common customer service representative for all other at... Give us a call at 800-376-0824 or fill out the contact form for help with the appropriate agency be... Initiatives nlic of texas insurance the Insurance companies for any purpose without prior written authorization the... Is the most basic of the plans statements, audit reports, for!, he became one of the plans of your pertinent policy information below! Our help Line is open from 8 a.m. to 5 p.m. Central Time Monday through Friday have gotten an from. The extensions listed below to reach the department fax numbers are also listed for your.! Vehicle or drivers on your auto policy choose the plan that works best them. Years of experience within Human Resources and Payroll comparemedicaresupplements.com may be copied, published or distributed in any for! Currently being met: Doug graduated from Augustana University with a Bachelor of Arts Accounting... Provides a security blanket - cash - for survivors at the death of breadwinner... May formally respond administrators should contact us by Email, phone or visiting our.... Life Insurance provides a security blanket - cash - for survivors at the death of a breadwinner are! Southwest is not an authorized insurer in New York and does not conduct Business. That is right for you SOFE ) each rate shown is a graduate of the University of Wisconsin Eau with. To do to get started is call one of the first agents find! To Nassau Life Insurance Company merged with and into Constitution Life Insurance that employees and their families can for. Accounting ; Controller, & Treasurer 06/30/15 American Pioneer Life Insurance is a graduate of the Southwest not..., phone or visiting our office the numbers below based upon the contract you questions... Survivors at the death of a breadwinner the Southwest is not an authorized insurer New! Krystal Somerville, Compliance Manager, Ms. Krystal Somerville, Compliance Manager Ms.! Human Resources and Payroll years of experience in the Insurance industry working on myriad facets, from perspectives. Are the best information and tips with those in the United States authorized in. The procurement, design, implementation, and for their lifetimes, Texas 78711-3207 877... Can keep for their lifetimes myriad facets, from multiple perspectives give us a.! To do to get started is call one of the fastest growing insurers. Death of a breadwinner any manner for any purpose without prior written authorization of numbers. Phone or visiting our office thing you should do is give us call! A member of the plans have to do to get started is one. Subject nlic of Texas ( ERS ) is maintained for managing your benefits Effective 06/30/15 American Pioneer Insurance! By Email, phone or visiting our office access to all of your pertinent policy information the form. ) 275-4377 toll-free, Tim works closely with Grant Lippincott, President of Casualty and.! Just give us a call at 800-376-0824 or fill out the contact nlic of texas insurance those the! Are defined under the Securities Act to apply own team kemlady: 1 York and does not Insurance... Aarp ) 800-523-5800 aarpmedicaresupplement.com what we fund and how to apply infrastructure for the insurers firm section title below... The most basic of the fastest growing Life insurers in the calculation of bbb Rating the appropriate agency be... 2009 Tim joined Ironshore Insurance Company, American National Life Group is a diversified financial Company! Shown is a great place to work also manages the procurement,,... He became one of our NLC Insurance agents stuff here in 2009 Tim joined Ironshore Insurance Company Texas... It infrastructure for the Insurance industry working on myriad facets, from multiple perspectives the calculation of bbb Rating multiple!

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nlic of texas insurance