Category Archives: Life Insurance

Why an Al Boenker Insurance Agent?

Have you ever wondered what the difference is between an independent insurance agent and a standard broker?

why an al boenker insurance agent1. Independent Agents Shop Multiple Carriers Independent agents are able to shop multiple insurance carriers with one application. Agencies carry contracts with multiple insurance companies (versus just one) and can compare several quotes instantaneously. This is a huge advantage for you, eliminating the need to submit multiple applications to different carriers to find the best and cheapest option.

2. Independent Agents Save Time & Money– With more choices comes a variety of coverage options and price points, saving you time and money. Agents do the shopping and you do the saving.

3. Independent Agents are Licensed Professionals– Agents offer their experience, expert knowledge, and guidance when it comes to selecting the right policy. They are able to explain the complex insurance world to you and make sure you understand all aspects of your policy. When independents set up your policy, they are doing all the research for you- eliminating errors and ensuring your insurance needs are met. According to U.S. Insurance Shopping Study by J.D. Power, “Shoppers are increasingly reliant on agent recommendations when considering and quoting insurers.”1 Be certain that your home and auto are properly covered.

4. Independent Agents are Your Neighbor most agencies are locally owned and community driven. They are your neighbor, belong to community organizations, have children on the same little league team, and attend the same church. Your coverage is their priority.

5. Independent Agents are Your Advocate they offer their help and support when it comes time to actually use your insurance. Dealing with a claim can be a mess. Your independent agents assist you and ensure you are taken care of by the insurance company. When accidents happen, your agent is there.

Give us a call at 1-800-Thanksal or visit us online at www.thanksal.com and let us help you find the best rate and option for you. Let our agents compare your current carrier and see how they can help you save.

Texas Stock Show & Rodeo: A Long Living Tradition

The great state of Texas has a long history of hard work, dedication, and commitment to tradition. One of those traditions is the Fort Worth Stock Show & Rodeo. Groomed horses, tough cowboys, family-friendly activities and delicious fried food come to life every year in the early winter. Great folks from major cities across the lone star state take part in this legendary event.

For more than a century, the Fort Worth Stock Show & Rodeo has been a long-standing tradition -that this year takes place January 12- February 3rd. At the start of the “Cowboy” tradition, livestock auctions were the major reason for the show. Today 4-H and FFA organizations contribute to the success of the Southwestern Exposition and Livestock Show.

While cattle raiser and horse breeders have found a home at the Will Rodgers Memorial Center, this legendary event has evolved and encapsulates Texans from all demographics and backgrounds as they show up to experience the indoor rodeo, enjoy the midway and shop local vendors. Even our former president, Theodore Roosevelt was Guest of Honor in 1911.

The first show took place in 1896 and has a long-standing heritage in Fort Worth. The name has evolved from “Texas Fat Stock Show” to “National Feeders and Breeders Show to then, “Southwestern Exposition and Fat Stock Show,” finally landing as “Southwestern Exposition and Livestock Show,” in 1987. However, most refer to the spectacular as the Fort Worth Stock Show.

The annual events give life that Texas does not travel far from its roots. Our connection to the past stands as a vital resource and continues to push Texas and livestock industry to new heights. Get out and catch the Fort Worth Stock Show as it wraps up this weekend.

Check out the major stock shows coming to cities near us and make it a weekend vacation!

  

 

Be Prepared to Tackle Your Taxes This Season

It’s that dreaded time, Tax Season! You have those that prepare all year long, are organized and ready to pass everything on to their CPA or Tax professional and BAM taxes are ready to be submitted February 1st!  Then there is the rest of us who will wait to the last minute, scramble to find all the documents and still feel unprepared to file.

However, being prepared and confident is not a far reach. Whether you recently got married, had a baby, bought a home, changed jobs, or started a small business, there is no reason to delay filing. Waiting until the last minute and scrambling adds more stress to the already stressing task.

Here are a few tips and tricks to prepare yourself to rock your taxes!

  1. Don’t Delay! Remember the saying, “The early bird gets the worm?” well unfortunately when you delay it takes a lot longer to see your tax return. Filing early prevents you from scrambling to meet the deadline -eliminating errors and a quicker turn around on your refund.
  2. Gather Necessary Documents Having all your documents ready when you visit your tax professional or sit down to file saves time and eliminates the  Get a complete tax checklist here.
  3. Know Your Deadlines Deadlines are very important when it comes to your taxes. If you need to file an extension make sure you do so before the cut off. This will prevent you from acquiring more fees and penalties. Here are your deadlines.
  4. Get Help! Reach out to your local tax professional. Most will let you call or stop by and offer you some guidance. Seeking assistance is one way to guarantee that you are getting the most out of your refund and not making any mistakes. No one wants to get audited…

Tax season can be daunting, but it doesn’t have to be! Utilize your resources, do a little research if there was a major milestone in 2017 and don’t wait until the last minute! You got this! J

 

Al’s Texas Tours: Top 5 Best Places to Camp in Texas

 

         Al's Texas Tours

 

School is out and summer has finally kicked in! That means it’s the perfect time for a ROAD TRIP!!

Texas is famous for it’s lush beautiful landscapes and scenic views. So why not get the family together for an outdoor experience unlike any other? Our beautiful state is packed with some of the best national and state parks in the world. Do yourself a favor and check out Al’s Best Road Trips: Top 5 best places to camp in Texas! Bigbend

Big Bend National Park, Big Bend National Park, TX – This is perhaps one of the most famous national parks in Texas as well as the entire country. This campground features some of the highest points and incredible rock formations in the state, which makes it great for backpacking. Campers can also Kayak along the Rio Grande River and discover some of the most beautiful views in all of Texas.

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Possum Kingdom Lake, Young County, TX – If you’re not much of an outdoorsy person, but want to go get a camping experience, than Possum Kingdom Lake is the place for you. This campground is a utopia for water sports, fishing, and nature activities. While you’re there, make sure you check out the infamous “Hell’s Gate” cliff formation in the lake. You can even go cliff diving if you’re brave enough!

 

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Davis Mountains State Park, Fort Davis, TX – This historic state park offers a plethora of outdoor activities and is home to some of the best horseback trails in Texas. This park also offers bird watching, star gazing tours, mountain biking and hundreds of miles of trails to be explored.

 

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Colorado Bend State Park, Bend, TX – If you’re craving a sense of adventure, then head on out to this beautiful park located right outside of Austin. This park features multiple natural swimming holes, extreme mountain biking trails and cave diving tours. The main attraction, however, is the Gorman Falls, which is a 65-foot waterfall that looks like something out of a dream.

 

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Dinosaur Valley State Park, Glen Rose, TX – This is definitely the most family friendly option on the list. Dinosaur Valley is known for it’s great hiking trails and dinosaur themed activities. You can explore the Paluxy River, which is filled with various dinosaur tracks, or dig for prehistoric fossils in the canyons. It’s all of the fun of Jurassic Park, without live dinosaurs!

Before you head out for your ROAD TRIP, make sure that you’re covered.  Give us at call at 1-800-Thanks-Al to make sure that your auto, home, boat, RV insurance policy is update to date and you’ve got the best rate and coverage possible! Now go out and plan your trip – Adventure awaits!

 

Three Things You Should Know about Life Insurance

Life insurance is composed of several elements which can make it the perfect storm for miss-guided decision making. Many people fail to purchase enough insurance while others are paying for insurance that doesn’t fully address their family’s needs.

According to the Life Insurance and Market Research Association, more than 30 million Generation X and Y households surveyed reported that they needed more life insurance in 2012. One-third of wives own no life insurance at all. (money.usnews.com)

These figures are sobering, fortunately we have listed three critical points we believe will help refine your life insurance decision making process.

Determine whether or not you need life insurance. If you are young and without dependents, life insurance may not be right for you. Be wary if you are hoping to lock in lower premiums by purchasing life insurance at a younger age. Premiums are determined by your risk classification, gender, and age so purchasing insurance at a young age entails a longer period of premium payments.

Determine how much life insurance you need. The two basic ways to calculate this figure is through either income replacement or needs-based. Income replacement considers your earnings and age. Needs-based considers certain life elements which would be affected by your death. Elements include number of children, continuing mortgage payments, and if your spouse continues working.

Determine the type of insurance you need. Two basic types of insurance are cash-value insurance and term insurance. There is no investment component in term insurance and typically has lower premiums. Cash-value insurance can be an excellent tool however its package is much more complex.

If you have additional questions please don’t hesitate to call, our professional customer service reps are standing by to help!