Hurricanes Harvey and Irma have brought both windstorm and flood damage to hundreds of thousands of residents. For those who do not have federal flood insurance, their homeowner’s insurance most likely will not cover flood losses to their primary residence. But residents should know there may be another option for assistance: a hardship distribution or loan.

Patrick Ray
Patrick is a Key Account Representative at National Life Group. He works directly with agents and advisors to help facilitate the sales of both life and annuity products. He specializes in the 403(b) market and life insurance design in the advanced sales market.
Patrick holds the Chartered Life Underwriter(CLU®) and Chartered Financial Consultant(ChFC®) designations, and is a Certified Financial PlannerTM(CFP).
Patrick is the proud father to two amazing children. He enjoys playing golf and hanging with his family in his time away from work. He is a born and raised Texan and you will often find him sporting a pair of boots.
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