Reinsurance Presentation 2015 - Empower Ins

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“We Empower”“Empower is a company dedicated to providing thesupport and tools to help Independent Agents succeedin an ever changing auto insurance environment.”EMPOWER INSURANCE

“We Empower Excellence”EMPOWERBRAVO“We are an environment whereexcellence is ITYBest Choice for IndependentsEmpower 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. Inthe 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 topush 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 reasonsEmpower 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 standardpersonal 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 Empowerendorsements, 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 AmericanCounty 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 theeconomy 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 programable 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, seekingunique 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 moreeffective.EMPOWER INSURANCE

“We Empower Excellence”EMPOWERBRAVO2015TexasCompany of the Awarding Winning CompanyCompany Rep of the YearEmpower Sales DirectorEd LackEmpower 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 ourservice to insureds and independent agents with a total of five awards since 2008. These have included naming Empower as the best MGA nationally for consecutiveyears.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 systemand 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 andallow others to be our judge.2008NationalMGA of the Year2009NationalMGA of the Year2008TexasCompany of the Year2009TexasCompany of the YearA Texas Top 5Producing MGAA Texas Top 5Producing MGA201020112012Company Rep of the YearEmpower PresidentDon OwensEMPOWER INSURANCE

“We Empower MPOWERPRIORITYAdmi ed CarrierA Rated ReinsuranceStrong Surplus to PremiumEmpower offers stability unlike any of our MGA competitors. We produce new business through an admitted carrier, Alinsco InsuranceCompany. This separates us from the mass of MGAs utilizing county mutual paper in Texas.EMPOWERAlinsco Insurance Company is an admitted carrier on a strong surplus for our production. Alinsco is part of the Empower MGA growthstory 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 thatprovides 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.EMPOWER INSURANCE

“We Empower MPOWERPRIORITYEFT DiscountAdvance QuoteMul ‐Car DiscountPreferred Driver6 Months Prior Discount12 Months Prior Discount24 Months Prior DiscountIn Agency DiscountHomeowners DiscountFull Disclosure DiscountEMPOWER INSURANCE

“We Empower Op ERPRIORITYCredit Score Program6 Month ProgramMonth to month ProgramLiability CoverageCollision / Other Than Collision30/60/30 LimitsStandard PAP no EndorsementsStandard PAP with EndorsementsSR‐22Mexico 551 EndorsementForeign DL / Matricula / PassportEFIN / Visa / Voter IDTowing & Rental Op onsEMPOWER INSURANCE

“We Empower POWERPRIORITYAgency Wed Based Ra ng Pla ormITC Compara ve Rater BridgeQuick Quote Rater BridgeQuote Pro Rater BridgeOn‐Line Sales Pla orm as Your Brand100% Electronic Signature Pla ormInsured Electronic No fica onInsured On‐Line Payment Pla ormAgent Branded Mobile AppAgent Branded WebsiteOn‐Line Sales for Foreign DLMatricula / Passport/EFIN/Visa /Voter IDSEO ProgramEMPOWER INSURANCE

“We Empower DEMPOWERPRIORITY24 Hour On‐Line Claims Repor ngExtended Hour Claims Repor ngIn House Award Winning Claims TeamIn House Appraising TeamWeb Based Claims Pla ormFraud Detec on Pla ormEmpower Rapid Review Pla ormElectronic Claims No fica onsEMPOWER INSURANCE

“We Empower Your ��Line Sales Pla orm as Your BrandYOUR BRANDYOUR BRANDYOUR BRANDYOUR BRAND“For the first time ever,an Independent Agent can sellpolicies on-line as their ownbrand”EMPOWER INSURANCE

“We Empower Your OWERPRIORITYYour Branded Mobile AppBob Jones Insurance AgencyBob Jone insurance512-345-6758EMPOWER INSURANCE

“We Empower Your ��Line Sales Pla orm Systema c Follow UpLate Payment ReminderRE: Auto Insurance Payment Due - Time is Running OutQuoted - No purchaseRE: Start Your Policy NowAgency NameAgency NameOops!It’s Not too Late.Auto Insurance Coverage isSeconds AwayYour Quote Number is: 67891234Purchase On Line NowMake Your Payment NowWe Provide:Your Quote:Your Discounts:You Can:Payment: 24 Hour Claims Service Online Account Easy Payment Options 24 Hour Payment Service 208 if paid in full, or 34.00 a Month Homeowner Prior Insurance Full Disclosure Future Effective Make a payment Now online Or call 1-877-437-5010 A Payment of 45.00 is dueby April 1, 2012 by 12:01 AMor your policy will cancel at thatdate and time.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 uswith this information, you may phone us at 1-800-861-8380.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!Your policy has been placed with our trusted partner: Empower Insurance Group. A Texas based company.A Texas based company.Agency Address / Phone NumberA Texas based company.Agency Address / Phone NumberPurchasedRE: Your Auto Policy InformationAgency NamePolicy CancelsRE: Auto Insurance Policy CancelledWelcome!Agency NameOh No!Your Policy Number is: EML 123456Print ID Cards & MoreYour auto insurance policy hascanceled. Contact us ASAP. Wemight can help: 1-877-437-5010You Can:Here when you need us::Your Discounts: Print Documents any time Make a Payment 24/7 online Call 1-877-437-5010 to make apayment 24/7 Report a Claim 24/7 online Call 1-877-437-5003 to reporta claim 24/7 Homeowner Prior Insurance Full Disclosure Future EffectiveA Texas based company.Agency Address / Phone NumberYour policy has been placed with our trusted partner: Empower Insurance Group. A Texas based company.A Texas based company.Agency Address / Phone NumberSix Month Re-SaleRE: We want to be your auto insurance companyPayment ReminderRE: Auto Insurance Payment ReminderAgency NameAgency NameHi, Please GiveUs Another Look!Hi, just a quickreminder.It just takes a few momentsTime to make a paymentYou Can:Payment: Make a payment Now online Or call 1-877-437-5010 A Payment of 35.00 is dueby April 1, 2012 by 12:01 AMThanks for the opportunity toserve you. As always, if youneed anything just call.Much thanks!Your policy has been placed with our trusted partner: Empower Insurance Group. A Texas based company.Agency Address / Phone NumberA Texas based company.We Provide:PossibleDiscounts: 24 Hour Claims Service Online Account Easy Payment Options 24 Hour Payment Service Homeowner Prior Insurance Full Disclosure Future EffectiveSix months ago you got a quotefrom us, but you didn’t purchasethe policy. As rates sometimeschange, we wanted you to giveus another try!Getting your auto insurance policy started is sooo easy!Agency Address / Phone NumberA Texas based company.EMPOWER INSURANCE

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.File Size: 726KB