Annelies Van Schie, Life Insurance Broker
Annelies Van Schie
Health Insurance Benefits Consultants
Life Insurance Broker Licensed in TX, FL, MI, NC, OK and SD
Contact Details
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Location
Houston, TX
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Website
Annelies Can Help With:
About Me
Good day! My name is Annelies, and I am passionate about helping people understand their life insurance choices. I provide no-cost guidance while reviewing options from top-rated companies, so you can feel confident knowing your family is taken care of.
My Google Reviews
35 Total Reviews (5.0)
July 28, 2026
Annelies at Health Benefits Insurance is knowledgeable and especially honest in her approach to presenting Medicare options. For someone new to Medicare, her guidance has been really valuable so I recommend her if you are looking for health insurance and Medicare plans.
July 28, 2026
Annelies at Health Benefits Insurance is knowledgeable and especially honest in her approach to presenting Medicare options. For someone new to Medicare, her guidance has been really valuable so I recommend her if you are looking for health insurance and Medicare plans.
July 17, 2026
Annelies gave me the best value for coverage policy I have ever seen. She is my go-to agent from now on if I need any medical coverage.
July 17, 2026
Annelies gave me the best value for coverage policy I have ever seen. She is my go-to agent from now on if I need any medical coverage.
July 16, 2026
Very knowledgeable!
Q&A with Annelies Van Schie
What questions should a first-time life insurance buyer ask their agent?
Answer: You should ask the agent if they are a broker or captive agent?
Do they sell life-insurance plans from multiple insurance companies or only from one. Ask what are key reasons of proposing one life insurance plan from another.
Do they only sell term-life or also whole life insurance plan?
How about plans that has coverage for Long-Term Care and/or critical illness coverage.
They should be able to give a little insight confidently without too much detail, so you have a better understanding that they can provide different options that you might want to consider.
What is the most common mistake people make when buying life insurance?
Answer: Not understanding that Term Life Insurance ends at the end of the term, if they want coverage up till passing away that might be 30 - 40 years later.
Can I get life insurance if I have depression or anxiety?
Answer: Yes, you can without a problem. The life benefit is not paid out at time of suicide within 1 or 2 years of effective date of the policy.
What happens to your life insurance policy in a divorce?
Answer: As long as the monthly premiums are being paid, nothing happens to the life insurance policy. If you want to keep the policy, it's important to review the beneficiary on the policy as that mindset might change after your divorce.
What is the life insurance grace period and what happens if you miss a payment?
Answer: The grace period is a set window of time after your premium due date during which your life insurance policy remains fully active, even though the payment is late. If something happens to you during this period, your beneficiaries are still legally entitled to the full death benefit payout.
Most life insurance policies have a 30 day grace period (think 1 month). This period starts from the day you premium is late.
If you haven't paid the premium during your grace period, the policy officially lapses and you no longer have that coverage or benefits from the lapsed policy.
If you want life insurance coverage, a new application is needed.
What happens if my life insurance company goes out of business?
Answer: Usually when a life insurance company goes out of business, another insurance company buys their "book of business" and your policy is simply transferred.
Your terms, premium rates, and death benefit remain exactly the same—you will just start paying a different company.
Do I need a will if I already have life insurance?
Answer: A will is highly recommended even when you have life insurance.
When you die, only the coverage in your life insurance policy is going to be paid to your assigned beneficiaries on the policy.
All your other assets, such as your auto, home, posessions and bank accounts value would go into probate before it can be distributed.
With a will or a trust, you assign you your possessions go to after you die, instead of the state when you do not have any of such documents.
Talk to an Estate planner to determine what is best in your case.
To avoid probate for as many assets as possible, I recommend to do at least the following:
1) Bank accounts - go to your bank to set-up "Payable on Death" beneficiary
2) Investment and online accounts: set-up beneficiary
3) Auto: fill in a DMV form who the car title goes to
4) Home you own: Transfer on Death Deed and file at your county's office
AND
5) Create a will (even if you use an online resource)
What is life insurance and how does it work?
Answer: Think of life insurance as a financial safety net for the people you love most. If you happen to pass away, the policy will pay out the death benefit you purchased. That will help your loved ones to cover expenses like mortgage payments, daily bills, debt, or day care. Ultimately, it’s a final gift of security that ensures your family's future remains financially protected when you aren't there to support them any longer and hopefully won't feel so much of a burden when you would not have life insurance.
Who can I legally buy a life insurance policy on?
Answer: You can only buy a life insurance policy on someone else's life IF you have an "insurable interest" in their life and they consent to such insurance. You must stand to suffer a clear financial or emotional loss if that person were to pass away. Most often those people are: yourself, your immediate family members, and if you own a business - your business partners or key employees.