INSURANCE SERVICES
Insurance Services
Coverage for Different Stages of Life
I help individuals, families, and small businesses understand insurance options based on their needs, circumstances, and priorities.
English & 中文服务
PERSONAL INSURANCE
Protecting Your Home, Auto, and Family
Personal insurance needs can change as your family, home, vehicles, employment, and financial circumstances change. I can help you review your situation and understand available insurance options.
Auto Insurance
Assistance reviewing personal auto insurance coverage and available options.
Home Insurance
Assistance for homeowners reviewing property insurance coverage and available options.
Personal Insurance Review
Help reviewing your current insurance needs when your circumstances or priorities change.
Travel & International Medical Insurance
Explore travel medical insurance, visitor coverage, travel protection, student plans, and other international insurance options.
Learn About Travel Insurance →HEALTH INSURANCE
Health Insurance Guidance
Health insurance can be especially difficult to understand when employment or family circumstances change. I can help individuals and families understand available health insurance options.
Individual & Family Health Insurance
Assistance understanding health insurance options for individuals and families.
Explore Health Insurance Options →ACA Marketplace Coverage
Learn about ACA Marketplace coverage, including enrollment periods, household income, financial assistance, plan levels, and what to consider when comparing coverage.
Explore ACA / Obamacare →Medicare
Medicare-related insurance assistance is available. Please contact me to discuss your individual situation.
LIFE & RETIREMENT
Planning for the Future
Life insurance and annuity products may play a role in protecting a family or planning for future financial needs. I can help you understand the insurance products available for consideration.
Life Insurance
Information and assistance for individuals and families considering life insurance protection.
Annuities
Information and assistance regarding available annuity products and their general features.
BUSINESS INSURANCE
Insurance for Small Businesses
Small businesses have different risks depending on their operations, property, employees, and customers. I can help business owners review their insurance needs and understand available commercial insurance options.
Commercial Insurance
Assistance with commercial insurance needs for eligible small businesses.
Business Coverage Review
Help identify areas to discuss when reviewing existing business insurance coverage.
HOW I HELP
A Simple Process
Insurance does not have to begin with a sales presentation. I prefer to begin by understanding your situation.
Understand
Learn about your family, business, current coverage, and insurance needs.
Explain
Explain relevant insurance concepts and available options in straightforward language.
Review
Review differences between applicable options when appropriate.
Decide
Give you the information you need to make your own informed decision.
IMPORTANT TO KNOW
Insurance Options Depend on Your Situation
Insurance products, coverage options, availability, rates, eligibility, underwriting requirements, exclusions, limitations, and costs vary by insurance company and individual circumstances.
Not every insurance product or option is available to every individual, family, or business.
My role is to help you understand applicable insurance options. Specific coverage and policy terms are determined by the applicable insurance company and policy documents.
ENGLISH & 中文
中文保险咨询服务
If you prefer to discuss insurance in Chinese, I am available to provide service in both English and Chinese.
如果您更习惯使用中文咨询保险，欢迎联系我。
我会耐心听取您的情况，帮助您了解适合您情况的 保险选择，减少语言沟通带来的困难。
查看中文服务 →INSURANCE QUESTIONS
Not Sure Which Insurance Option to Start With?
Whether you are reviewing auto, home, health, life, retirement-related, travel, or small business insurance, you are welcome to contact me and explain what you are trying to accomplish.
I can help you understand applicable insurance options, explain important coverage differences, and identify questions to consider before you make your decision.
Insurance products, eligibility, availability, coverage, costs, and compensation arrangements can vary by insurance company and product.
Assistance is available in both English and Chinese.
LICENSE INFORMATION
Jean Rao
Licensed name: Qin Rao
Texas Insurance License #: 3499032
National Producer Number (NPN): 22225585
General Information
Information on this website is provided for general informational purposes only. It does not constitute a contract of insurance, a guarantee of coverage, a guarantee of savings, or a recommendation that a particular insurance product is appropriate for you.
Insurance products, availability, rates, coverage, eligibility, underwriting requirements, exclusions, limitations, and costs vary by insurance company and individual circumstances.
Specific coverage and policy terms are governed by the applicable insurance policy and insurance company documents.
Medicare-related information on this website is general in nature. Please contact me for information relevant to your individual situation.
Last reviewed: September 2026