Support That Goes Beyond the Policy
At Arnett Insurance, we believe life and health insurance should do more than check a box. Whether you’re protecting your family’s future, securing group coverage for employees, or just trying to understand your options — we’re here to help.
We take the time to explain how life insurance works, what health insurance actually covers, and how to choose a plan that makes sense for you.
Types of Coverage We Offer
What Is Health Insurance — and Why Does It Matter?
Health insurance helps you manage medical costs and access quality care when you need it most. From routine visits to emergencies, a solid policy helps you focus on your health — not your bills.
We’ll walk you through options for:
- Deductibles and copays
- In-network vs. out-of-network providers
- Prescription coverage
- Preventive care and wellness services
Understanding Life Insurance Coverages
Life insurance isn’t just for later — it’s protection for right now. Whether you’re planning for your family, your mortgage, or your business, we’ll help you choose between:
- Term life for affordable, time-limited protection
- Whole life for long-term stability and cash value
- Universal life for flexible coverage with investment potential
We also offer no-medical-exam policies for those seeking fast, simplified coverage.
Group Benefits for Businesses
Looking to offer health insurance or 401(k) benefits to your employees? Arnett Insurance partners with small and mid-sized businesses across Oklahoma and Texas to create group plans that work.
We’ll help you evaluate:
- Costs and contribution structures
- Enrollment options and timelines
- Legal requirements and compliance
- Competitive benchmarking
Serving Durant, Bryan County, and all of Texoma — we’re a resource, not just a broker.
Life & Health Insurance FAQs
What’s the difference between term and whole life insurance?
Term life is affordable and time-specific. Whole life lasts for life and builds cash value. We’ll help you decide which fits your goals.
How do group benefits work for small businesses?
We help employers design group health plans and retirement packages that balance affordability and value — for teams of any size.
Can I get life insurance without a medical exam?
Yes. We offer no-exam policies for many individuals, with competitive rates and simple applications.
Is dental and vision insurance included in health insurance?
Not always. We’ll help you decide whether standalone policies or integrated plans are right for you.
