Bowens Insurance

Bowens Insurance I'm an independent agent specializing in ancillary employee benefits. I earned my insurance license in 2017 and launched my business the same year.

I work for you — not the insurance company — and operate with integrity, honesty, and reliability - always- to deliver solutions that protect your business and employees. Born and raised in Walworth County, I’ve built both my life and career serving the community I proudly call home. Since then, my goal has been simple — to be your trusted, go-to resource for all things ancillary benefits.

Most businesses don’t think twice about having separate experts for different parts of their company—so why put all your...
06/10/2026

Most businesses don’t think twice about having separate experts for different parts of their company—so why put all your employee benefits in one basket?

Here’s something to consider 👇

Health insurance and ancillary benefits (like life, disability, dental, vision, etc.) are completely different worlds. Having two separate brokers means you get specialized expertise in each area—someone focused on controlling rising health costs, and someone else focused on enhancing benefits, increasing participation, and often saving employees money along the way.

✔️ More strategy, less overlap
✔️ Better plan design for each benefit
✔️ Stronger advocacy for both employer and employees
✔️ No one-size-fits-all approach

When one broker tries to do it all, things can get overlooked. When you have two specialists working together, your benefits package becomes stronger, more competitive, and more valuable to your team.

Your employees deserve more than “good enough.”

Hey boss 👀While you’re comparing prices on coffee, office chairs, and printer paper… maybe it’s time to shop the volunta...
05/20/2026

Hey boss 👀
While you’re comparing prices on coffee, office chairs, and printer paper… maybe it’s time to shop the voluntary benefits too?

Because better options = happier employees 🙌
And happier employees = less “Monday morning mysteriously sick” vibes 😂

Tell your boss:
👉 “Hey… when’s the last time we checked our benefits lineup?”

You might be overpaying.
Your team might be under-covered.
And fixing both? Way easier than you think.

Life insurance 🤝 people in their 20s, 30s & 40sSomehow we’ve all agreed life insurance is only for:👴 People who say “bac...
05/19/2026

Life insurance 🤝 people in their 20s, 30s & 40s

Somehow we’ve all agreed life insurance is only for:
👴 People who say “back in my day…”
👵 And own at least 12 sweaters

Meanwhile…
You’ve got bills 💸
A family 👨‍👩‍👧‍👦
A dog who lives better than you 🐶
And a car payment that shows up like clockwork 🚗

But sure… let’s wait until we’re 85 and it costs as much as a small mortgage 😅

Truth is—life insurance is WAY cheaper when you’re young and healthy.
Like… “why didn’t anyone tell me this sooner?!” cheap.

So no… it’s not just for the “older crowd.”
It’s for anyone who doesn’t want to leave their loved ones starting a GoFundMe. 👀

Adulting level: unlocked ✔️😂

🚨 It’s Disability Insurance Awareness Month 🚨AKA the month where we all realize… “Wait… what would I actually do if I co...
05/18/2026

🚨 It’s Disability Insurance Awareness Month 🚨

AKA the month where we all realize… “Wait… what would I actually do if I couldn’t work for a while?” 😅

Short-term disability is basically that friend who shows up when life says, “Plot twist!”
– Broke your leg? 🦵
– Had a baby? 👶
– Doctor says “you need to rest” (rude)? 😴

Meanwhile your bills are still like: “We don’t care, we’re still due on the 1st.” 💸

That’s where short-term disability steps in like,
“I got you… at least partially 😉”

Moral of the story:
You insure your phone 📱
You insure your car 🚗
…but not your paycheck?? 🤨

Let’s maybe fix that. 😂

Running a small business means wearing ALL the hats… but what happens if you suddenly can’t? 🤔An injury, surgery, or une...
03/31/2026

Running a small business means wearing ALL the hats… but what happens if you suddenly can’t? 🤔

An injury, surgery, or unexpected illness could take you out of work for weeks or months. No clients. No income. But the bills? They don’t stop. 😬💸

👉 Rent/mortgage
👉 Payroll
👉 Utilities
👉 Personal expenses

As a business owner, if you’re not working… you’re not earning. It’s that simple.

That’s where Short-Term Disability comes in. 🙌
It replaces a portion of your income so you can focus on recovery — not financial stress.

Because let’s be real…
8 weeks without income could mean:
⚠️ Draining your savings
⚠️ Falling behind on bills
⚠️ Putting your business at risk

You’ve worked WAY too hard to build what you have to let one unexpected situation derail it. 💪

Protect your income. Protect your business. Protect your peace of mind. ❤️

Most businesses use the same broker for both health insurance and ancillary benefits—but there can be real advantages to...
03/15/2026

Most businesses use the same broker for both health insurance and ancillary benefits—but there can be real advantages to keeping them separate. 👇

Health insurance is complex and constantly changing, so most health brokers focus the majority of their time there. Having a **separate broker who specializes in ancillary benefits** (like life, disability, dental, and accident coverage) means those programs get the attention they deserve. 💡

A dedicated ancillary broker can:
✔ Find more competitive programs 💰
✔ Educate employees so they actually understand and use their benefits 📚
✔ Help with claims and questions 🤝
✔ Complement what your health broker already provides 🧩

It’s not about replacing your health broker—it’s about **strengthening your overall benefits package for your employees.** 👏

Have you ever reviewed your ancillary benefits separately from your health plan? 🤔

💡 **Quick Question!**If you couldn’t work for a few weeks because of an injury, surgery, or illness… how would your bill...
03/08/2026

💡 **Quick Question!**

If you couldn’t work for a few weeks because of an injury, surgery, or illness… how would your bills get paid? 🤔

Most people have insurance for their **car 🚗, home 🏠, and even their phone 📱**, but forget to protect the one thing that pays for it all… **their paycheck!** 💰

That’s where **short-term disability insurance** comes in. It helps replace part of your income while you recover so you can focus on getting better—not stressing about bills. ❤️‍🩹

Life happens… slips, falls, surgeries, or unexpected illnesses. Having a plan in place can make all the difference.

**Do you currently have short-term disability coverage through work or on your own?** 👇

03/06/2026

👶❤️ **Life Insurance for Your Grandbabies? Yes, It’s a Thing — and It’s Pretty Special.**

One of the greatest gifts you can give your grandchild isn’t a toy… it’s a **head start in life.**

A small **life insurance policy for your grandbaby** can:
✨ Lock in their insurability for life
💰 Build cash value over time
🛡️ Protect their future no matter what health changes happen later

And the best part? Policies are usually **very affordable when they’re young.**

Imagine being able to hand them something years from now that helps with:
🎓 College
🏡 A first home
🚀 Starting a business

Sometimes the best legacy isn’t what we leave behind — it’s **what we start for them today.**

💬 **Question for the grandparents:**
If you could give your grandchild one financial advantage in life, what would it be? ❤️

Life happens. 👀If your paycheck suddenly stopped because of an illness or injury, how long would you be okay? And here’s...
03/02/2026

Life happens. 👀

If your paycheck suddenly stopped because of an illness or injury, how long would you be okay?

And here’s a bigger question…
👉 If something happened to you tomorrow, would your family be financially protected?

That’s why I’m so passionate about offering:
💼 Short-Term Disability
🛡️ Life Insurance

These aren’t “extras.” They’re real protection for real families.

As an independent agent, I work for YOU — helping employees protect their income, their health, and their loved ones without breaking the bank.

If you’re an employer who wants to strengthen your benefits package (or an employee who has questions), let’s talk. Your future self will thank you. 💙

Address

508 Campus Street
Milton, WI
53563

Opening Hours

Monday 7:30am - 5pm
Tuesday 7:30am - 5pm
Wednesday 7:30am - 5pm
Thursday 7:30am - 5pm
Friday 7:30am - 12pm

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