Howdy, I’m Al Boenker! I’ve been helping Texans save money on their auto and home insurance for almost 50 years. If you’re uninsured, new to the DFW area, or looking to switch insurance carriers then you’ve come to the right place! We help our neighbors find the best possible rate and coverage by shopping a ton of different insurance companies, and we can do the same for you! At Al Boenker Insurance, we take pride in being local, authentic, and independent.
Whole life insurance is a type of permanent life insurance designed to provide lifetime coverage. Because of the lifetime coverage period, whole life usually has higher premium payments than term life. Policy premium payments are typically fixed, and, unlike term, whole life has a cash value, which functions as a savings component and may accumulate tax-deferred over time.
In cases where the policy owner is not the insured (also referred to as the celui qui vit or CQV), insurance companies have sought to limit policy purchases to those with an insurable interest in the CQV. For life insurance policies, close family members and business partners will usually be found to have an insurable interest. The insurable interest requirement usually demonstrates that the purchaser will actually suffer some kind of loss if the CQV dies. Such a requirement prevents people from benefiting from the purchase of purely speculative policies on people they expect to die. With no insurable interest requirement, the risk that a purchaser would murder the CQV for insurance proceeds would be great. In at least one case, an insurance company which sold a policy to a purchaser with no insurable interest (who later murdered the CQV for the proceeds), was found liable in court for contributing to the wrongful death of the victim (Liberty National Life v. Weldon, 267 Ala.171 (1957)). 

The materials available at this web site are for informational purposes only and not for the purpose of providing legal advice. You should contact a licensed insurance agent or attorney to obtain advice with respect to any particular issue or problem. Use of and access to this Web site or any of the e-mail links contained within the site do not create a relationship between Insureon and the user or browser. The opinions expressed at or through this site are the opinions of the individual author and may not reflect the opinions of the firm.
The questions we ask on our site are used only to determine which insurance companies and products best match your unique needs. Each insurance company bases its final prices on its own criteria. To more accurately match you with the best company, product and policy for your needs, we gather some general health, lifestyle, family history, and contact information on our site. A licensed representative will then review your submission and, if necessary, either call or email you to clarify any outstanding issues and provide you with the information you request.

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These reviews are all from Medicare beneficiaries just like you. Our clients consistently rate us 5 stars for both our up-front help, but also the phenomenal back-end support you get from our Client Service Team. We have some of the very best Medicare supplement agents in the country. These independent Medicare advisors truly care. You can read our reviews here. Notice how many of them are from clients who called us when Medicare denied their claim or rejected their bills or their doctor mis-codes a service or when they are standing at the pharmacy and can’t get their medication. Normally you would call the insurance company yourself to try to figure out how to fix these things.
Your best possible price equals a competitive initial quote, plus lots of opportunities to save. The most significant discounts, like those for owning a fire extinguisher or being claim-free, are offered by most providers. However, there are a few exceptional discounts that make certain providers a better fit for certain homeowners. For example: Allstate’s “new purchase” discount gives a small break to owners who are moving into their home for the first time. We tallied and compared the discounts offered by each provider to help us make personalized recommendations for different homeowners.
The sale of life insurance in the U.S. began in the 1760s. The Presbyterian Synods in Philadelphia and New York City created the Corporation for Relief of Poor and Distressed Widows and Children of Presbyterian Ministers in 1759; Episcopalian priests organized a similar fund in 1769. Between 1787 and 1837 more than two dozen life insurance companies were started, but fewer than half a dozen survived. In the 1870s, military officers banded together to found both the Army (AAFMAA) and the Navy Mutual Aid Association (Navy Mutual), inspired by the plight of widows and orphans left stranded in the West after the Battle of the Little Big Horn, and of the families of U.S. sailors who died at sea.
Progressive Home Advantage® policies are placed through Progressive Specialty Insurance Agency, Inc. with insurers affiliated with Progressive and with unaffiliated insurers. Each insurer is solely responsible for the claims on its policies and pays PSIA for policies sold. Prices, coverages and privacy policies vary among these insurers, who may share information about you with us. PSIA’s compensation from these insurers may vary between the insurers and based on the policy you buy, sales volume and/or profitability of policies sold. See a list of all the insurers that write Progressive Home Advantage policies, or contact us for more details.
Liability limits generally start at about $100,000, however, it’s a good idea to discuss whether you should purchase a higher level of protection with your insurance professional. If you have significant assets and want more coverage than is available under your homeowners policy, consider purchasing an umbrella or excess liability policy, which provides broader coverage and higher liability limits.
This is not an offer of securities in any jurisdiction, nor is it specifically directed to a resident of any jurisdiction. As with any security, request a prospectus from your Registered Representative. Read it carefully before you invest or send money. A Representative from The Business Benefits Group will contact you to provide requested information.
Insurance Brokers work the consumer vs. insurance agents who work for the insurance company.  Brokers are very knowledgeable with both personal and commercial insurance. Utilizing state-of-the-art rating software to find the most affordable insurance policies to fit your needs and budget. Insurance Brokers save time, money and energy when shopping for lower cost insurance.
Insurance is underwritten by The Travelers Indemnity Company and its property casualty affiliates, One Towers Square, Hartford, CT 06183. In TX: Automobile insurance is offered by Travelers Texas MGA, Inc. and underwritten by Consumers County Mutual Insurance Company (CCM). CCM is not a Travelers Company. In CA: Travelers Commercial Insurance Company, One Tower Square, Hartford, CT 06183. Certificate of Authority # 6519; State of Domicile: Connecticut and Travelers Property Casualty Insurance Company, One Tower Square, Hartford, CT 06183. Certificate of Authority # 6521; State of Domicile: Connecticut. In CA: Boat and Yacht insurance is underwritten by The Standard Fire Insurance Company, One Tower Square, Hartford, CT 06183, Certificate of Authority #0335-0, State of Domicile: Connecticut.©2017 The Travelers Indemnity Company.
Fidelity insurance products are issued by Fidelity Investments Life Insurance Company (FILI), 100 Salem Street, Smithfield, RI 02917, and, in New York, by Empire Fidelity Investments Life Insurance Company®, New York, N.Y. FILI is licensed in all states except New York. Other insurance products available at Fidelity are issued by third party insurance companies, which are not affiliated with any Fidelity Investments company. Fidelity Insurance Agency, Inc. is the distributor. A contract's financial guarantees are subject to the claims-paying ability of the issuing insurance company.

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If you are in the market for insurance, you may have heard the terms ‘broker’ and ‘agent’ tossed around. While both are professionals in the insurance industry, these two job titles have some distinct differences. Both insurance brokers and insurance agents act as intermediaries between insurance buyers and insurers. They both must also have the appropriate licenses to distribute the insurance they are selling, while also adhering to any laws or regulations enforced by local insurance departments. The primary difference between an insurance broker and an insurance agent is who each represents. While a broker represents the insurance buyer, an agent represents one or more insurance companies.
Important legal information about the email you will be sending. By using this service, you agree to input your real email address and only send it to people you know. It is a violation of law in some jurisdictions to falsely identify yourself in an email. All information you provide will be used by Fidelity solely for the purpose of sending the email on your behalf. The subject line of the email you send will be "Fidelity.com: "
USAA also garners impressive marks for financial strength. As of 2018, the provider holds an “A++” from A.M. Best, “AA+” from S&P Global, and “Aa1” from Moody’s. Out of our top picks, only State Farm rivals those scores. Such high financial ratings mean that USAA can be counted on to pay claims regardless of size or circumstance — even if the market takes a downturn or a large-scale disaster requires the company to pay out on many claims at once. In other words, homeowners insurance from USAA is truly a safe investment.
Many home and auto insurance companies offer discounts if you purchase more than one policy. For example, Allstate advertises bundling deals up to 30% and State Farm up to 17%. But in reality, multi-policy discounts vary from person to person. Instead of taking your provider’s bundling discount at face value, be sure to compare quotes from multiple home and auto insurance companies. You may save more by insuring your home and car with separate, cheaper providers than by bundling them with one.
Yes, we have to include some legalese down here. Read it larger on our legal page. Policygenius Inc. (“Policygenius”) is a licensed independent insurance broker. Policygenius does not underwrite any insurance policy described on this website. The information provided on this site has been developed by Policygenius for general informational and educational purposes. We do our best efforts to ensure that this information is up-to-date and accurate. Any insurance policy premium quotes or ranges displayed are non-binding. The final insurance policy premium for any policy is determined by the underwriting insurance company following application. Savings are estimated by comparing the highest and lowest price for a shopper in a given health class. For example: for a 30-year old non-smoker male in South Carolina with excellent health and a preferred plus health class, comparing quotes for a $500,000, 20-year term life policy, the price difference between the lowest and highest quotes is 60%. For that same shopper in New York, the price difference is 40%. Rates are subject to change and are valid as of 2/17/17.
‡‡ Some benefits, such as the Disappearing Property Deductible, are only available with the optional Advantage Plus package. A policy without these added benefits is also available. To qualify for the Disappearing Property Deductible, homeowners must have no claims or losses for three consecutive years in most states. The Advantage Plus package option and the Disappearing Property Deductible benefit are not available in all states.

Allstate stands out for its comprehensive educational tools — it’s a great resource for new homeowners, or anyone who doesn’t like to buy anything without full knowledge of the space. With a robust guide filled with general homeowners insurance information, Allstate lets you arm yourself with everything you need to know. You can even get a personalized walkthrough of insurance-relevant stats for your specific address using Allstate’s GoodHome tool, which displays home details like market value, energy costs, and average repair costs of the most common hazards in the area (like fire or water damage). It also suggests tips for easing costs and choosing coverage.


Umbrella policies offer extra liability coverage on top of what's already covered by your standard homeowners insurance or car insurance policy. Umbrella coverage starts at $1 million. Our agents generally recommend an umbrella policy to people who have more than $500,000 in assets since that's typically where your standard homeowners policy will cap coverage. But you should also consider umbrella coverage if you're at risk of multiple lawsuits, like if you have a few teen drivers in the house or you own multiple properties, especially rentals. You can learn more about umbrella insurance here.
Reimbursement for Replacing Locks – Losing a key to your front door can be a hassle. For example, if you don’t have a spare, you’ll need to get an entirely new lock for the door. If that key is stolen, you may want to get new locks for all your doors. This coverage pays up to $500 to replace locks, with a $100 deductible, if a key is lost or stolen.
Safe Auto Group Agency, Inc. will be the agent of record for any quotes issued or policies bound via this website. However, the website and domain are maintained, serviced and published by Millennial Specialty Insurance, LLC. ("MSI"). MSI collects, maintains and stores the data and information collected on and through this website and from third party vendors. Safe Auto Group Agency, Inc. is not responsible for the content or operation of this website or how MSI handles or uses your information. Please reference MSI's Privacy Policy and Terms of Use for further information.
Because we require that our nonprofit members work with a broker, and because nonprofit insurance is such a specific niche of the marketplace, we provide broker referrals to nonprofits for brokers that specialize in working with nonprofits. While brokers who don’t specialize in nonprofits can still provide great service, they need to understand the special risks faced by nonprofits and the insurance coverage nuances available from specialty insurance carriers.  If a broker doesn’t typically work with nonprofits, they may not be familiar with the variety of options available.

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When you start your search, you can pick an independent agent or a captive (or direct) agent. An independent agent may sell policies from many different companies. A captive agent sells insurance for only one company. Independent and captive agents represent insurance companies and receive a commission from the insurance company for the sale of its policies.

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