Silver and Secure

Silver and Secure Health Insurance for those eligible for Medicare, those who are self-employed or without insurance we can help you understand the choices you face.

I'm Jill Bullock, a Licensed Insurance Agent and the founder of Silver and Secure, based in Spring Branch, Texas. With a commitment to honesty, integrity, and personalized service, I specialize in helping Texans navigate the complexities of health insurance. Whether you're an individual, family, or small business, I offer tailored solutions including Medicare Advantage, Medigap, Marketplace, and private health plans. My mission is to make health insurance accessible, understandable, and affordable, providing ongoing support every step of the way.

01/12/2026

Avoiding Probate Isn’t About Avoiding Death
Probate isn’t just a legal process—it’s time, cost, and stress for your family.
Simple tools like:
• Proper beneficiary designations
• Transfer-on-death accounts
• Trust planning (when appropriate)
can often reduce or eliminate probate entirely.
Small steps now can spare your family major complications later.

01/09/2026

The Hardest Retirement Question
A question I encourage people to ask (even if it’s uncomfortable):
What happens if I live longer than expected?
Longevity is a gift—but it also means higher lifetime medical costs, inflation risk, and the possibility of cognitive decline.
Planning isn’t about fear. It’s about maintaining independence and dignity.
The sweet spot for purchasing a Long-Term Care policy is between 60-70. The longer you wait, the more expensive it becomes. There are also Short-Term Care policies that will help, but have limits.

01/08/2026

Social Security Is a Supplement, Not a Plan
Social Security was never designed to replace your income—only to supplement it.
For many retirees, it covers 30–40% of pre-retirement income, sometimes less.
If Social Security were delayed, reduced, or insufficient, what fills the gap?
Retirement planning isn’t pessimism—it’s responsibility. How is your action plan coming along?

01/07/2026

Retirement Planning Is About Certainty, Not Just Growth
Earlier in life, we focus on:
📈 Growing money
In retirement, the focus often shifts to:
✔️ Predictable income
✔️ Protecting what you’ve built
✔️ Knowing expenses are covered
✔️ Not becoming a financial burden
The goal isn’t to worry less because you have “enough” —
it’s to worry less because you have clarity.

01/07/2026

When people hear “legacy planning,” they often think:
“That’s for people with a lot of money.”
In reality, legacy planning is about:
✔️ Leaving instructions
✔️ Making things easier for loved ones
✔️ Passing on values, not just assets
Even modest savings, a home, or a life insurance policy can make a meaningful difference when planned properly.
🧠 A clear plan brings peace of mind — for you and your family.

01/06/2026

This isn’t a fun topic, but it is an important one.
Final expenses often include:
Funeral and burial costs
Medical bills
Outstanding debts
Legal and estate costs
Without a plan, these expenses often fall on:
➡️ Spouses
➡️ Children
➡️ Loved ones
💡 Planning ahead is one of the kindest things you can do for your family — it removes stress during an already emotional time.

01/02/2026

January 2 is when most people settle back into normal life again—routines, responsibilities, and planning for the year ahead. If that feels like a lot, you’re not alone. The good news is, you don’t have to figure everything out at once. Small, steady steps make a real difference.

If making sure your healthcare coverage is clear and working the way you need it to is part of that, I’m always here to help. Sometimes having someone walk through it with you makes things feel lighter and more manageable. 💙

01/02/2026

HAPPY NEW YEAR!

One thing I’ve learned doing this work: people don’t just want a plan. They want to feel confident they made the right decision. They want to know they’re protected. And they want someone who will walk through the details with them.

That’s what I care about doing well this year.

12/31/2025

What matters most to you right now?
A) Saving money where it actually makes sense
B) Peace of mind knowing you’re protected
C) Making things simpler and less stressful

12/30/2025

After helping so many people through their health coverage decisions this year, one thing really stood out: most people don’t actually want “the cheapest plan”—they want confidence, clarity, and someone who genuinely cares that they’re protected.

Watching the stress disappear when things click… that’s why I do what I do. ❤️

12/30/2025

Things to review before the calendar flips
Top 5 Financial or Health Coverage Things to Double-Check Before January 1
• Prescription costs changing in January?
• Deductibles resetting
• Doctors still in-network for 2026?
• Do you need to schedule preventive appointments?
• Are you confident you made the best decision?

Before January hits, do a quick check-in on your plan to make sure you’re protected, prepared, and positioned for a healthy, stress-free start to the year.

If you ever feel unsure, overwhelmed, or like you may have missed something, you don’t have to figure it out alone. Have a healthy, stress-free start to the year.

If you ever feel unsure, overwhelmed, or like you may have missed something—you don’t have to figure it out alone. ❤️

12/25/2025

🎄 Merry Christmas to our Medicare community 🎄

Thank you for being here, asking thoughtful questions, and supporting one another.

Medicare education is better when it’s shared — and this group exists because of you.

Wishing you peace, good health, and clarity going into the new year ❤️

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Spring Branch, TX

Opening Hours

Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 5pm
Thursday 9am - 6pm
Friday 9am - 5pm

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