Life Happens.
Be Ready for It.
Your family. Your business. Your future. Fully protected. We provide affordable, custom insurance plans designed to give you peace of mind and protect what matters most.
Trusted by 100,000,000+ families and counting since 2001
| Our Preferred Carriers:
Insurance That
Works for Your Life
| Our Partners:
We get it — insurance isn’t exactly exciting. But it is the safety net that lets you live without worry. That’s why we do the heavy lifting, finding you affordable, tailored plans that check every box. We offer a holistic approach that keeps individuals and businesses secure, satisfied, and thriving…
Claims Made Simple: No complicated hoops to jump through.
Financial Peace of Mind: Sleep easy knowing you’re covered.
Custom Plans for Every Stage of Life: Because one size doesn’t fit all.
Nationwide Support: Wherever you are, we’re just a call away.
Empower Insurance:
tailored Solutions For Every need.
We believe insurance shouldn’t be complicated—it should be a simple, smart investment in your future. That’s why we break things down into four essential categories, ensuring individuals, families, businesses, and retirees all get the protection they need.
Click on the tabs above to explore different insurance options.
Life & Health Protection
🔹 Life Insurance – Protect your family’s financial future with term or whole-life plans.
🔹 Final Expense Insurance – Cover funeral costs so your loved ones don’t have to.
🔹 Individual Health Insurance – Get coverage for everything from routine checkups to emergencies.
🔹 Medicare & ACA Plans – Fill in the gaps of Medicare and ACA coverage to avoid surprise expenses.
🔹 Supplemental Insurance – Offset copays, deductibles, and unexpected medical bills.
Business & Group Benefits
🔹 Group Health Insurance – Keep your team healthy and productive with customized coverage.
🔹 Health Efficiency (DCBG Healthy Efficiency) – Lower healthcare costs with preventative care.
Wealth & Retirement Solutions
🔹 Wealth & Retirement Planning – Build long-term financial security with expert-backed strategies.
🔹 Infinite Banking – Use whole life insurance as your own personal banking system.
🔹 International Life & Annuities – Global coverage for expats and international clients.
Specialized Services
🔹 Government Contracts Division – Insurance solutions for government employees & contractors.
🔹 Latino Direct – Tailored insurance solutions for the Latino community.
🔹 Broker / Agency Partnerships – Expand your business with our competitive network.
🔹 PNC Division (Property & Casualty) – Home, auto, and asset protection made simple.
What Our Clients Are Saying:
"Loved everything so far"
"Brad called me a few davs after the accident and to check on my daughter and asked if I needed anything at
that time and to tell me the process of getting paid out through Cigna on both of my policies. Brad and his staff were in constant contact with me and my wife and they were helpful in
way possible. I promptly received my payments from Cigna on what was covered under my policies and I owe that to Brad Smith and his staff."
- Clav Snider
"My life changed"
"As superintendent, I believe in prioritizing staff health and wellness by exploring the best benefits available. After meeting with Brad Smith from Cigna, it became clear that their supplemental insurance options could offer enhanced coverage at a cost savings for our employees. By facilitating meetings between Cigna representatives and our staff, we provided an opportunity for employees to make informed decisions about their benefits. Supporting staff wellness remains a top priority, and this initiative aligned with our commitment to offering the best possible resources for our team."
- Jay Thornton
"I recommend this"
"Just wanted to thank you and your office, especially Lydia, for staying on top of the paperwork regarding our disbursements from my wife's Cancer Policies with Cigna. I was fortunate for
having purchased both Cancer Policies on my family just months prior to her diagnosis. Although it took a few months, your diligence helped to ensure both disbursements were
made, and for that, again I thank you. I would have much rather have never had the diagnosis for my wife, but having the extra fiscal stress taken away made it easier to manage for us both."
- Michael Hirtz
WE HAVE SOMETHING FOR EVERYONE
Explore Comprehensive Coverage Options
Life is full of uncertainties, but your insurance coverage shouldn’t be one of them. We provide custom insurance solutions designed to protect your family, business, health, and financial future—so you can focus on what truly matters.
Life & Health Protection
Secure Your Family’s Future & Protect Your Well-Being
Life is unpredictable, but your protection shouldn’t be.
Life happens fast. One day, everything is fine—the next, an unexpected event turns your world upside down. Whether it’s protecting your loved ones from financial hardship, covering medical expenses, or ensuring you have the care you need as you age, we make sure you're ready for anything.
Life Insurance
Life insurance is more than just a policy—it’s peace of mind for your family’s future. No matter where you are in life, we help you find the right coverage for lasting security.
Term Life: Affordable coverage for a set period (10, 20, or 30 years), ideal for those who need protection while raising a family or paying off a mortgage.
Whole Life: Permanent coverage that never expires, with a built-in cash value you can borrow against.
Universal Life: Flexible policies that allow you to adjust premiums and benefits as your needs change.
Individual Health Plans
Your health is your greatest asset, and the right insurance makes all the difference. We offer comprehensive coverage for doctor visits, prescriptions, preventive care, and major medical needs. Whether you need a short-term plan, a high-deductible plan with an HSA, or full-coverage medical insurance, we’ll help you find the best option.
Medicare & ACA Plans
Healthcare shouldn’t be confusing. Medicare Supplements (Medigap) help cover expenses that traditional Medicare doesn’t, while Medicare Advantage combines hospital, medical, and often prescription drug coverage into one plan. If you need individual health coverage, ACA-compliant plans provide essential benefits with low-cost options based on your income.
Supplemental Insurance
Even the best health insurance plans don’t cover everything. Supplemental insurance helps pay for out-of-pocket costs like deductibles, copays, and non-covered services. It’s ideal for those who want extra financial protection against hospital stays, critical illnesses, or unexpected injuries.
Final Expense Insurance
Losing a loved one is hard enough without the added stress of financial burdens. Final expense insurance ensures funeral costs, outstanding debts, and medical bills are taken care of so your family doesn’t have to worry. With simple approval and no medical exams required, getting covered is quick and easy.
Business & Group Benefits
Protect Your Employees. Strengthen Your Business.
Taking care of your employees is taking care of your business.
Providing the right benefits helps you attract and retain top talent while ensuring your team stays healthy and productive.
Group Health Insurance
A strong benefits package keeps employees happy and engaged. Our group health plans provide access to quality healthcare, including medical, dental, and vision coverage. Whether you have a small business or a large corporation, we tailor plans to fit your needs and budget.
Health Efficiency & Preventative Care
The best way to lower healthcare costs is to prevent illness before it starts. Our Health Efficiency program focuses on proactive wellness solutions that encourage healthier lifestyles, reduce absenteeism, and minimize medical emergencies. By emphasizing preventive care, your business can save money while keeping your employees in top shape.
Wealth & Retirement Solutions
Build, Protect, And
Grow Your Wealth
Building wealth isn’t just about saving—
It’s about making your money work for you. Whether you're planning for retirement, looking for tax-efficient strategies, or finding new ways to grow your wealth, we help you create a financial roadmap that lasts.
Wealth & Retirement Planning
A secure retirement starts with the right plan. Whether you're looking at 401(k)s, IRAs, pensions, or other investment strategies, we help you structure your savings to ensure long-term security and financial freedom.
Infinite Banking
Imagine being able to borrow from yourself instead of a bank. Infinite banking allows you to use whole life insurance as your own private banking system, giving you tax-free access to cash while your policy continues to grow in value. It’s a game-changing strategy for building wealth while maintaining financial flexibility.
International Life & Annuities
For expats, global investors, and international retirees, financial security shouldn't be limited by borders. Our international life and annuity solutions provide stable income options and cross-border protection, ensuring your money works for you—no matter where you are.
Specialized Services
Tailored Insurance for Unique Needs
Some situations don’t fit into a traditional insurance box.
Not every insurance need fits into a standard box. That’s why we offer specialized solutions for government employees, the Latino community, brokers looking to grow their business, and individuals needing customized coverage options.
Government Contracts Division
Government employees and contractors have unique insurance needs, and we provide customized life, health, and retirement benefits to meet them. Whether you work at the federal or state level, we ensure you have the right protection in place.
Latino Direct
The Latino community deserves insurance solutions that reflect their needs and priorities. Our bilingual support and tailored coverage options help individuals and families get the protection they deserve with plans that fit their lifestyle.
Broker / Agency Partnerships
Grow your insurance business with access to exclusive products, high-commission plans, and marketing support. Whether you're an independent agent or an established brokerage, we provide the tools you need to scale and succeed.
PNC Division (Property & Casualty)
From home and auto insurance to business property protection, our Property & Casualty division helps safeguard what matters most. Whether you need coverage for your house, rental properties, vehicles, or business assets, we offer solutions to keep you financially secure.
Why Empower is the Right Choice for You
It comes down to three major reasons that set us apart from the rest:
Empower Insurance:
Get To Know Your Options
We Make Insurance Simple & Stress-Free
No Confusion. Just Clear, Honest Coverage.
Let’s be honest—insurance can feel overwhelming. Between complex policies, hidden fees, and confusing industry jargon, it’s easy to feel lost. Our expert team takes the time to listen to your needs and find the right plans
Customized Coverage for Every Stage of Life
For Your Life. Your Business. Your Family
No two people—or businesses—are alike, so why settle for one-size-fits-all insurance? We offer tailored plans to fit your unique situation. Whatever stage of life you’re in, we create personalized protection that evolves with you.
Trusted by Thousands, Backed by the Best
100,000+ Families & Businesses Trust Empower
Our reputation is built on trust, transparency, and putting our clients first. From fast claims processing to dedicated support whenever you need it, we’re here to make sure you feel protected—now and in the future.
Interested In A Career?
Build Your Future with Empower Insurance
Looking for a rewarding career where you can make a real impact? We offer exciting opportunities for individuals who want to help others secure their financial future while building a successful career in the industry. Whether you're just starting out or a seasoned pro, we provide the resources to help you thrive.
Ready to Take the First Steps?
For over two decades, we’ve been helping families, individuals, and businesses enjoy today knowing tomorrow is taken care of. Our dedicated team of licensed agents specializes in finding the best products at affordable rates, tailoring plans to meet your unique needs.
Let's Find Your Perfect Plan
Fill Out Your Info Below And A Licensed Agent Will Contact You Within 24hrs To Devise The Perfect Plan For You
Interested In A Career?
Build Your Future with Empower Insurance
Looking for a rewarding career where you can make a real impact? We offer exciting opportunities for individuals who want to help others secure their financial future while building a successful career in the industry. Whether you're just starting out or a seasoned pro, we provide the resources to help you thrive.
Diverse Product Offerings: Work with life insurance, health plans, retirement solutions, and more to meet clients’ needs.
A Mission-Driven Culture: Join a team that’s passionate about helping individuals, families, and businesses secure their future.
Unlimited Earning Potential: Competitive commissions, bonuses, and growth opportunities.
832-510-7463
18613 Flying J Blvd. Spicewood, Texas, 78669
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