Howey and Associates Insurance

What Howey and Associates Insurance does

Howey and Associates Insurance is a privately held, for-profit insurance agency headquartered in Allen, United States, founded in 1953. The firm provides life and auto insurance services, operating with a small team of 11-50 employees under the leadership of President Charles O. (Skip) Howey, Jr. With over 70 years of continuous operation under a family-led leadership structure, the company fits the profile of a long-standing independent personal-lines insurance agency serving individuals in its local market.

The business model is a traditional insurance agency/brokerage model: the firm distributes life and auto insurance products on behalf of carriers to individual customers, with revenue generated through commissions on placed policies. The company maintains a basic web presence at howey-insurance.com. There is no disclosed proprietary technology, no mobile app, no API, no digital distribution platform, and no documented AI/automation in the source material. Marketing and customer acquisition channels are not described in the input, consistent with a referral and relationship-driven local agency.

The data set is thin. No revenue, customer count, carrier appointments, geographic scope beyond the US, product portfolio beyond life and auto, headcount trend, or recent strategic actions (M&A, product launches, partnerships, leadership changes beyond the named President) are disclosed. The investment-relevant analytical surface is therefore limited to firmographic, leadership, and a short functional description. The company is privately held, not venture-backed, and shows no public-company signals in the input.

Name

Howey and Associates Insurance

Website

https://howey-insurance.com

Company type

Private

Founded year

1953

Headcount range

11–50 employees

Short description

Howey and Associates Insurance is a privately held, US-based independent insurance agency founded in 1953 that provides life and auto insurance services to individuals, operating with 11-50 employees in Allen under President Charles O. (Skip) Howey, Jr.

Ownership category

akta.pro rank

Product category

Insurance Services

NAICS

Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411), Life Insurance (6311)

akta.pro primary industry

Individual Supplemental Health (Hospital Indemnity, Critical Illness, Accident) (FSAIAEAD)

Keywords

• Life insurance services
• Auto insurance coverage
• Insurance agency services
• Personal insurance products
• Risk management consulting

Headquarters

HQ city

Allen

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Others

Revenue model

1. Insurance Services: Provides insurance products including property, casualty, cyber liability, and crisis resilience coverage. Revenue generated through insurance premiums and risk management fees.
2. Consulting Services: Offers HR & benefits consulting, health and welfare consulting, retirement plan consulting, and human resources compensation consulting. Revenue generated through consulting fees.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels7 records

Core offering

Howey and Associates Insurance is a small, privately held insurance agency founded in 1953 that provides life and auto insurance services to clients. The firm operates from Allen, United States, and offers a range of insurance products and risk management services to individuals and businesses, drawing on the broader portfolio capabilities associated with the Gallagher network.

Product overview

The company offers a comprehensive portfolio of insurance, risk management, and consulting services. The core insurance services are complemented by specialized offerings including Claims Advocacy and Cyber Liability Insurance for risk protection, Crisis Resilience and Loss Control for risk mitigation, and HR-focused consulting services covering Health and Welfare Consulting, Voluntary Benefits, Human Resources and Compensation Consulting, and Retirement Plan Consulting. The offering functions as an integrated platform combining insurance products with advisory services to address organizational needs from risk coverage to employee benefits management.

Differentiator

Problem solved

Functional benefit

Products and services

• Life and Auto Insurance Services
• Insurance Services
• Claims Advocacy
• Cyber Liability Insurance
• Crisis Resilience Services
• Loss Control Services
• Health and Welfare Consulting
• Voluntary Benefits
• Human Resources and Compensation Consulting
• Retirement Plan Consulting

Segments4 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators1 record

Regional players

• Auto-Owners Insurance: Regional property, casualty, and life carrier distributed predominantly through independent agents across select US states. Overlaps with Howey's life-and-auto product mix and independent-agency distribution model.
• Frankenmuth Insurance: Mutual regional insurance carrier distributing through independent agents in the Midwest. Compares on independent-channel life, auto, and property coverage in markets geographically adjacent to Howey's footprint.

Direct peers

• Brown & Brown, Inc. Insurance brokerage and risk management firm operating through decentralized offices. Comparable operating model of distributed local offices delivering personal and commercial insurance products.
• Hub International: Mid-sized insurance brokerage operating through a network of regional offices across North America. Comparable as a multi-line retail-facing insurance intermediary serving individuals and businesses.
• AssuredPartners: National insurance brokerage built by acquiring independent agencies. Comparable as a multi-line brokerage distributed through local offices serving individuals and businesses with personal and commercial lines.

Broad incumbents

• State Farm: Largest US personal lines writer of life and auto, distributed through captive agents. Comparable product mix to Howey's life and auto focus, with vastly greater scale and direct-to-agent distribution.
• Farmers Insurance: National insurer selling auto, home, life, and other personal lines through captive and district agents. Competes head-to-head with Howey's local life-and-auto offering through a more national agent network.
• Erie Insurance: Regional property, casualty, and life insurance carrier that distributes heavily through independent agents. Comparable channel overlap with Howey as a life-and-auto provider sold through agency relationships.
• Arthur J. Gallagher & Co. Global insurance brokerage, risk management, and consulting firm. Compares as the broader incumbent in the insurance distribution space, though operating at vastly greater scale and breadth than Howey's local life-and-auto agency.
• Nationwide: Large multi-line insurer with strong personal lines (auto, life) distribution. Overlaps directly with Howey's core life-and-auto product set and competes in the same household-insurance buying decision.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks4 records

Key highlights4 records

Customer concentration

• Facebookfacebook.com/HoweyInsurance
• LinkedInlinkedin.com/company/howey-and-associates-insurance

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Howey and Associates Insurance