Insurance guidance you can trust.

Simple, personalized protection for your health, life, and future.

Clear Options

Personal Support

Budget-Friendly Coverage

About Tom Herald

“Hi, I’m Tom Herald, the owner of Hi Herald Insurance, where I help individuals and families navigate life and health insurance with confidence. With years of experience and a genuine passion for protecting what matters most, I make the process simple,
clear, and personalized. My clients appreciate that I take the time to listen, explain their options, and find coverage that fits both their needs and their budget. Whether you
exploring Medicare, life insurance, or health coverage, I’m here to provide guidance you can trust and service you can feel good about. At Hi Herald Insurance it’s not just about policies-it’s about people. “Where peace of mind meets personal service.””

How I Help

I listen to understand your unique needs.
I explain complex options simply and clearly.
I find coverage that respects your budget.

Primary Services

Comprehensive coverage tailored to your life stage.

Medicare Guidance

Navigating Parts A, B, C, and D can be confusing. I help you understand your entitlements and choose the right supplement or advantage plan.

Life Insurance

Protect your family's financial future. Whether you need Term or Whole Life, we find a policy that provides security and peace of mind.

Health Coverage

Affordable health insurance plans for

individuals and families. Get coverage for

doctor visits, prescriptions, and

emergencies.

Why Hi Herald Insurance?

Personal, 1:1 guidance

Clear explanations (no jargon)

Coverage that fits your budget

Ongoing support

Frequently Asked Questions

When should I start looking into Medicare?

It is best to start about 3 to 6 months before you turn 65. Your Initial Enrollment Period begins 3 months before your 65th birthday, giving you ample time to compare plans and avoid penalties.

Do you charge a fee for your services?

No. My services are completely free to you. I am compensated by the insurance companies if we find a plan that works for you, but your premium stays the same whether you use an agent or not.

How much life insurance do I actually need?

This depends on your debts (like a mortgage), income replacement needs, and future goals (like college tuition). We can run a simple calculation together to find a number that keeps your family safe without over-insuring.

Can I switch health plans if I'm not happy?

Typically, you can only switch during the Annual Election Period (Open Enrollment) or if you qualify for a Special Enrollment Period due to a life event (moving, marriage, loss of coverage). I can help determine if you qualify.

What is the difference between Term and Whole Life?

Term life covers you for a specific period (e.g., 20 years) and is generally more affordable. Whole life provides permanent coverage and builds cash value over time. I can help explain the pros and cons of each for your situation.

Do you offer virtual appointments?

Yes! We can meet over the phone or via video call—whatever is most comfortable and convenient for you.

Let’s talk

Call Tom
832-400-3377

Email
[email protected]

Location
Sugar Land, TX

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Hi Herald Insurance

“Where peace of mind meets personal service.”