EMPOWER INSURANCE
“We Empower”
“Empower is a company dedicated to providing thesupport and tools to help Independent Agents succeedin an ever changing auto insurance environment.”
“We Empower Excellence”
EMPOWER INSURANCE
Best Choice for Independents
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Empower Insurance Group MGA, Inc. was birthed from an independent agency with a vision of taking the lessons learned from the agency side, to develop a highly effective MGA.
After 32 years as one of the top 1% of independent agencies in the United States, the Al Boenker Insurance Agency launched a separate company called Empower in March of 2004.
Empower began with a single non‐credit score program offering in Texas and spent the first two years taking a cautious approach to the market as we continued to build our infrastructure. In
the first two years Empower completed a major systems development, agency base growth, and found the talent to make the venture successful.
From the beginning, Empower was backed by solid reinsurers like Paris Re, Partner Re and National Grange Re. The company met it’s loss ratio commitments and was given the green light to
push forward with more production and increasingly better terms.
Empower redefined the MGA software industry. While many large companies like Aggressive and Mercury struggled to create and execute dependable on‐line raters and management systems,
Empower employed a full time staff to accomplish this task for our company. The software received stellar reviews from independent agents, reinsurers, and staff and was one of the reasons
Empower won the Professional Insurance Agents Company of the Year Award in both 2008 and 2009.
In 2007, Empower launched multiple programs to meet the various needs in the Texas auto insurance market. This included: Empower Lone Star Select a non‐credit scored six month standard
personal auto policy, Empower Bravo a credit scored multi‐tier 6 month program for solid credit risks, Empower Limited a non‐credit scored six month program with the new Empower
endorsements, and Empower Priority a non‐credit scored monthly program with the new Empower endorsements.
Empower was the first company in Texas to offer the standard personal auto policy in Texas with amended endorsements. CEO Al Boenker released these endorsements with Old American
County Mutual in 2006 and Empower was the first MGA to push these programs in Texas. These new programs met a consumer need for cost savings and were especially helpful as the
economy turned in 2009.
The Texas market has been a battle ground for auto insurance programs over the past nine years, much like Georgia. When Empower began in 2004, we were the only new approved program
able to secure reinsurance.
Empower has been able to consistently grow in these soft market conditions.
Empower is a company that is dedicated to: consistent product review and research, continuing to design software that is efficient and head and shoulders above that of competitors, seeking
unique market opportunities and using our nimble and creative team to seize opportunities as they appear.
With a staff that has combined experience in the independent agent and MGA disciplines, Empower is able to offer a unique perspective on MGA management and execution that is more
effective.
“We are an environment whereexcellence is expected”
“We Empower Excellence”
EMPOWER INSURANCE
Awarding Winning Company
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2009Texas
Company of the Year
2008Texas
Company of the Year
2009National
MGA of the Year
2008National
MGA of the Year
2012Company Rep of the Year
Empower PresidentDon Owens
A Texas Top 5Producing MGA
2010
A Texas Top 5Producing MGA
2011
Empower is an award winning MGA recognized for our service to insureds and agents, and recognized for our production and growth.
The National Professional Insurance Agents and the Texas Professional Insurance Agents organizations have given Empower numerous acknowledgments for our
service to insureds and independent agents with a total of five awards since 2008. These have included naming Empower as the best MGA nationally for consecutive
years.
In addition, the PIA named Empower President Don Owens as the national company representative of the year for his engagement with consumers and agents alike.
IN 2015 Empower was again named Texas company of the year, and Sales Director Ed Lack named company representative of the year.
Empower is also recognized as a top 5 single producer in the state of Texas two years running and Old American County mutual has remarked that Empower’s system
and processes are superior to our competitors.
At Empower we rest on the reality that we are only as good as our insureds, claimants, agents, and business partners state. Therefore, we work to excellence and
allow others to be our judge.
2015Texas
Company of the Year
2015Company Rep of the YearEmpower Sales Director
Ed Lack
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Admi� ed Carrier
A Rated Reinsurance
Strong Surplus to Premium
EMPOWER INSURANCE
“We Empower Savings”
EMPOWER
Empower offers stability unlike any of our MGA competitors. We produce new business through an admitted carrier, Alinsco Insurance
Company. This separates us from the mass of MGAs utilizing county mutual paper in Texas.
Alinsco Insurance Company is an admitted carrier on a strong surplus for our production. Alinsco is part of the Empower MGA growth
story as Alinsco grew from our organization.
If you are looking for strong, dependable programs for your clients, Empower has provided a unique, insulated and stable platform that
provides peace of mind for the business you entrust to us.
Empower MGA is also backed by A rated reinsurance companies, another separation from so many MGAs in Texas.
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EFT Discount
Advance Quote
Mul�‐Car Discount
Preferred Driver
6 Months Prior Discount
12 Months Prior Discount
24 Months Prior Discount
In Agency Discount
Homeowners Discount
Full Disclosure Discount
EMPOWER INSURANCE
“We Empower Savings”
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Credit Score Program
6 Month Program
Month to month Program
Liability Coverage
Collision / Other Than Collision
30/60/30 Limits
Standard PAP no Endorsements
Standard PAP with Endorsements
SR‐22
Mexico 551 Endorsement
Foreign DL / Matricula / Passport
EFIN / Visa / Voter ID
Towing & Rental Op�ons
“We Empower Op�ons”
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EMPOWERLIMITED
Agency Wed Based Ra�ng Pla�orm
ITC Compara�ve Rater Bridge
Quick Quote Rater Bridge
Quote Pro Rater Bridge
On‐Line Sales Pla�orm as Your Brand
100% Electronic Signature Pla�orm
Insured Electronic No�fica�on
Insured On‐Line Payment Pla�orm
Agent Branded Mobile App
Agent Branded Website
On‐Line Sales for Foreign DL
Matricula / Passport/EFIN/Visa /Voter ID
SEO Program
“We Empower Agents”
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24 Hour On‐Line Claims Repor�ng
Extended Hour Claims Repor�ng
In House Award Winning Claims Team
In House Appraising Team
Web Based Claims Pla�orm
Fraud Detec�on Pla�orm
Empower Rapid Review Pla�orm
Electronic Claims No�fica�ons
“We Empower Claimants”
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“We Empower Your Brand”
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On‐Line Sales Pla�orm as Your Brand
YOUR BRAND
YOUR BRAND
YOUR BRAND
YOUR BRAND
YOUR BRAND
“For the first time ever,an Independent Agent can sellpolicies on-line as their ownbrand”
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“We Empower Your Brand”
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Your Branded Mobile App
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Bob Jones Insurance Agency
Bob Jone insurance512-345-6758
“We Empower Your Brand”
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On‐Line Sales Pla�orm Systema�c Follow Up
Auto Insurance Coverage is
Seconds Away
Your Quote Number is: 67891234Purchase On Line Now
Agency Name
We Provide:
> 24 Hour Claims Service> Online Account> Easy Payment Options> 24 Hour Payment Service
Your Quote:
if paid in full, or$ 208a Month$ 34.00
Your Discounts:
> Homeowner> Prior Insurance> Full Disclosure> Future Effective
A Texas based company.
In order to protect your privacy, please do not include personal information such as your driver's license number,
social security number, date of birth, or financial account details in a reply email. If you need to provide us
with this information, you may phone us at 1-800-861-8380.
Agency Address / Phone Number
Quoted - No purchaseRE: Start Your Policy Now
Welcome!
Your Policy Number is: EML 123456Print ID Cards & More
Agency Name
You Can:
> Print Documents any time> Make a Payment 24/7 online> Call 1-877-437-5010 to make a
payment 24/7
Your Discounts:
> Homeowner> Prior Insurance> Full Disclosure> Future Effective
A Texas based company.Agency Address / Phone Number
PurchasedRE: Your Auto Policy Information
Here when you need us::
> Report a Claim 24/7 online> Call 1-877-437-5003 to report
a claim 24/7
Your policy has been placed with our trusted partner: Empower Insurance Group. A Texas based company.
Oops!
It’s Not too Late.Make Your Payment Now
Agency Name
You Can:
> Make a payment Now online> Or call 1-877-437-5010
Late Payment ReminderRE: Auto Insurance Payment Due - Time is Running Out
Payment:
> A Payment of $45.00 is dueby April 1, 2012 by 12:01 AMor your policy will cancel at thatdate and time.
We know you’re busy, but letskeep that insurance going. TheState of Texas requires it, andyou don’t want to be without it.
Time is running out - so hurry!
Hi, just a quick
reminder.Time to make a payment
Agency Name
You Can:
> Make a payment Now online> Or call 1-877-437-5010
A Texas based company.Agency Address / Phone Number
Payment ReminderRE: Auto Insurance Payment Reminder
Payment:
> A Payment of $35.00 is dueby April 1, 2012 by 12:01 AM
Your policy has been placed with our trusted partner: Empower Insurance Group. A Texas based company.
Thanks for the opportunity toserve you. As always, if youneed anything just call.
Much thanks!
A Texas based company.Agency Address / Phone Number
Your policy has been placed with our trusted partner: Empower Insurance Group. A Texas based company.
Oh No!Your auto insurance policy hascanceled. Contact us ASAP. Wemight can help: 1-877-437-5010
Agency Name
A Texas based company.Agency Address / Phone Number
Policy CancelsRE: Auto Insurance Policy Cancelled
Hi, Please Give
Us Another Look!It just takes a few moments
Agency Name
A Texas based company.Agency Address / Phone Number
Six Month Re-SaleRE: We want to be your auto insurance company
Six months ago you got a quotefrom us, but you didn’t purchasethe policy. As rates sometimeschange, we wanted you to giveus another try!
We Provide:
> 24 Hour Claims Service> Online Account> Easy Payment Options> 24 Hour Payment Service
PossibleDiscounts:
> Homeowner> Prior Insurance> Full Disclosure> Future Effective
Getting your auto insurance policy started is sooo easy!
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EMPOWERSELECT