One Interesting Thing About Insurance

Robert knows his aging air conditioner could fail any day in the Arizona heat so he purchases a home warranty to protect him from the huge replacement cost. Hopefully, the service offered by the warranty company isn't as big a hassle as his experience twelve years earlier in Illinois. BMFCE: Insurance producers and adjusters can earn insurance continuing education credit listening to Robert's live webinars. No test required for credit! BMFCE.com. The show is supported by Mercury Protect. Protect against those pricey unexpected auto repair headaches. Mercury offers a Monthly Vehicle Repair Plan that never expires with time or mileage. These plans include 24-hour roadside assistance and rental vehicle assistance. Mercury has been protecting vehicles since 1974, with over $6.7 billion in assets, Mercury will be there when you need them. Click for a quote!

How did the President of the United States not find out he had cancer sooner? There are plenty of tests that could have identified it, right? What can the rest of us learn from this that we can apply to our own health? BMFCE: Insurance producers and adjusters can earn insurance continuing education credit listening to Robert's live webinars. No test required for credit! BMFCE.com. The show is supported by Mercury Protect. Protect against those pricey unexpected auto repair headaches. Mercury offers a Monthly Vehicle Repair Plan that never expires with time or mileage. These plans include 24-hour roadside assistance and rental vehicle assistance. Mercury has been protecting vehicles since 1974, with over $6.7 billion in assets, Mercury will be there when you need them. Click for a quote!

Robert talks with his son about the possibility of sleeping in his car if he doesn't get assigned a dorm at his college for the upcoming fall semester. Aside from the legal, privacy and health concerns, there are also insurance considerations. The two explore the possibility of medical payments coverage in the event of bodily injury. **Post production note: there is typically an exclusion in the standard auto policy for vehicles that are used as a primary residence. BMFCE: Insurance producers and adjusters can earn insurance continuing education credit listening to Robert's live webinars. No test required for credit! BMFCE.com. The show is supported by Mercury Protect. Protect against those pricey unexpected auto repair headaches. Mercury offers a Monthly Vehicle Repair Plan that never expires with time or mileage. These plans include 24-hour roadside assistance and rental vehicle assistance. Mercury has been protecting vehicles since 1974, with over $6.7 billion in assets, Mercury will be there when you need them. Click for a quote!

Robert laments Major League Baseball's handling of the rain delay at Wrigley Field on Easter Sunday given the availability of an accurate weather forecast. Given that the weather people seem to be able to predict when the rain starts and stops and how much will fall, it makes it easier to safeguard your property when it is in the path of oncoming weather. If only MLB and the Chicago Cubs would use the same forecasts to postpone games and save the fans from sitting in a rainy stadium with no baseball to watch. BMFCE: Insurance producers and adjusters can earn insurance continuing education credit listening to Robert's live webinars. No test required for credit! BMFCE.com. The show is supported by Mercury Protect. Protect against those pricey unexpected auto repair headaches. Mercury offers a Monthly Vehicle Repair Plan that never expires with time or mileage. These plans include 24-hour roadside assistance and rental vehicle assistance. Mercury has been protecting vehicles since 1974, with over $6.7 billion in assets, Mercury will be there when you need them. Click for a quote!

Robert shares his experience with hypnosis as a treatment for insomnia and high blood pressure. Though not covered by major medical insurance, it might be a great deal if it works! BMFCE: Insurance producers and adjusters can earn insurance continuing education credit listening to Robert's live webinars. No test required for credit! BMFCE.com. The show is supported by Mercury Protect. Protect against those pricey unexpected auto repair headaches. Mercury offers a Monthly Vehicle Repair Plan that never expires with time or mileage. These plans include 24-hour roadside assistance and rental vehicle assistance. Mercury has been protecting vehicles since 1974, with over $6.7 billion in assets, Mercury will be there when you need them. Click for a quote!

Robert is joined by Da'Sha for an update on the phantom speeding ticket Progressive Insurance claims to have on her. They finish up with a story about helping a older friend apply for Social Security Disability benefits. BMFCE: Insurance producers and adjusters can earn insurance continuing education credit listening to Robert's live webinars. No test required for credit! BMFCE.com. Email your comments about the show to Robert@bmfce.com. The show is supported by Mercury Protect. Protect against those pricey unexpected auto repair headaches. Mercury offers a Monthly Vehicle Repair Plan that never expires with time or mileage. These plans include 24-hour roadside assistance and rental vehicle assistance. Mercury has been protecting vehicles since 1974, with over $6.7 billion in assets, Mercury will be there when you need them. Click for a quote!

Robert describes how his girlfriend is questioning why AI models keep popping up in his Instagram feed while he is brushing his teeth. It turns out that women aren't even real! What about the ones handling your insurance claim? BMFCE: Insurance producers and adjusters can earn insurance continuing education credit listening to Robert's live webinars. No test required for credit! BMFCE.com. Email your comments about the show to Robert@bmfce.com. The show is supported by Mercury Protect. Protect against those pricey unexpected auto repair headaches. Mercury offers a Monthly Vehicle Repair Plan that never expires with time or mileage. These plans include 24-hour roadside assistance and rental vehicle assistance. Mercury has been protecting vehicles since 1974, with over $6.7 billion in assets, Mercury will be there when you need them. Click for a quote!  

Robert and Da'Sha talk about her experience with Progressive Insurance after they claimed to have received an inaccurate report from LexisNexis. Calls to LexisNexis suggest they have the correct information on the driver report, so what went wrong and why are we paying higher auto insurance premiums? We need listener feedback because this can't be the first time Progressive or other auto insurers have screwed this up. Email your comments about the show to Robert@bmfce.com. BMFCE: Insurance producers and adjusters can earn insurance continuing education credit listening to Robert's live webinars. No test required for credit! BMFCE.com.

Robert and Da'Sha talk about the recent airplane and helicopter crashes and how it is creating a lot of anxiety about flying. BMFCE: Insurance producers and adjusters can earn insurance continuing education credit listening to Robert's live webinars. No test required for credit! BMFCE.com. Email your comments about the show to Robert@bmfce.com. The show is supported by Mercury Protect. Protect against those pricey unexpected auto repair headaches. Mercury offers a Monthly Vehicle Repair Plan that never expires with time or mileage. These plans include 24-hour roadside assistance and rental vehicle assistance. Mercury has been protecting vehicles since 1974, with over $6.7 billion in assets, Mercury will be there when you need them. Click for a quote!

Robert explores the idea of separating wildfire and other disaster perils from homeowners insurance policies. It already is common in Florida and coastal areas to separate wind from homeowners policies. Should we do the same for wildfire? How would property owners insure against wildfire risks if this became common? BMFCE: Insurance producers and adjusters can earn insurance continuing education credit listening to Robert's live webinars. No test required for credit! BMFCE.com. Email your comments about the show to Robert@bmfce.com. The show is supported by Mercury Protect. Protect against those pricey unexpected auto repair headaches. Mercury offers a Monthly Vehicle Repair Plan that never expires with time or mileage. These plans include 24-hour roadside assistance and rental vehicle assistance. Mercury has been protecting vehicles since 1974, with over $6.7 billion in assets, Mercury will be there when you need them. Click for a quote!

Robert and Da'Sha talk about their Christmas gifts. If giving or receiving jewelry, is insurance something to consider? Is expensive jewelry covered by a typical renters or homeowners insurance policy, and if not, what else can we do to protect it? BMFCE: Insurance producers and adjusters can earn insurance continuing education credit listening to Robert's live webinars. No test required for credit! BMFCE.com. Email your comments about the show to Robert@bmfce.com. The show is supported by Mercury Protect. Protect against those pricey unexpected auto repair headaches. Mercury offers a Monthly Vehicle Repair Plan that never expires with time or mileage. These plans include 24-hour roadside assistance and rental vehicle assistance. Mercury has been protecting vehicles since 1974, with over $6.7 billion in assets, Mercury will be there when you need them. Click for a quote!

Robert and Da'Sha talk about the public reactions to the murder of Brian Thompson. The frustration with health insurance is not surprising and understandable, but isn't there a better path to improving the system? BMFCE: Insurance producers and adjusters can earn insurance continuing education credit listening to Robert's live webinars. No test required for credit! BMFCE.com. Email your comments about the show to Robert@bmfce.com. The show is supported by Mercury Protect. Protect against those pricey unexpected auto repair headaches. Mercury offers a Monthly Vehicle Repair Plan that never expires with time or mileage. These plans include 24-hour roadside assistance and rental vehicle assistance. Mercury has been protecting vehicles since 1974, with over $6.7 billion in assets, Mercury will be there when you need them. Click for a quote!

Robert is dissatisfied with the medical insurance options during this open enrollment season and explores alternatives including critical illness insurance. BMFCE: Insurance producers and adjusters can earn insurance continuing education credit listening to Robert's live webinars. No test required for credit! BMFCE.com. Email your comments about the show to Robert@bmfce.com. The show is supported by Mercury Protect. Protect against those pricey unexpected auto repair headaches. Mercury offers a Monthly Vehicle Repair Plan that never expires with time or mileage. These plans include 24-hour roadside assistance and rental vehicle assistance. Mercury has been protecting vehicles since 1974, with over $6.7 billion in assets, Mercury will be there when you need them. Click for a quote!

Robert and Da'Sha talk about the risks of playing football with friends and family on Thanksgiving. They also meander through topics like whether acupuncturists are doctors, the problems with finding affordable plans on the healthcare insurance marketplace, and why you shouldn't buy snacks outside the Eiffel Tower. BMFCE: Insurance producers and adjusters can earn insurance continuing education credit listening to Robert's live webinars. No test required for credit! BMFCE.com. Email your comments about the show to Robert@bmfce.com. The show is supported by Mercury Protect. Protect against those pricey unexpected auto repair headaches. Mercury offers a Monthly Vehicle Repair Plan that never expires with time or mileage. These plans include 24-hour roadside assistance and rental vehicle assistance. Mercury has been protecting vehicles since 1974, with over $6.7 billion in assets, Mercury will be there when you need them. Click for a quote!

Robert identifies a moral hazard in his girlfriend's date night behavior. Are you the underwriter or the salesperson in your relationship? BMFCE: Insurance producers and adjusters can earn insurance continuing education credit listening to Robert's live webinars. No test required for credit! BMFCE.com. Email your comments about the show to Robert@bmfce.com. The show is supported by Mercury Protect. Protect against those pricey unexpected auto repair headaches. Mercury offers a Monthly Vehicle Repair Plan that never expires with time or mileage. These plans include 24-hour roadside assistance and rental vehicle assistance. Mercury has been protecting vehicles since 1974, with over $6.7 billion in assets, Mercury will be there when you need them. Click for a quote!

Robert was invited to join his girlfriend's health insurance plan, but they aren't married. Is this even possible? It turns out that in Arizona it's easier to share your health insurance plan than it is to share your Netflix password. BMFCE: Insurance producers and adjusters can earn insurance continuing education credit listening to Robert's live webinars. No test required for credit! BMFCE.com. The show is supported by Mercury Protect. Protect against those pricey unexpected auto repair headaches. Mercury offers a Monthly Vehicle Repair Plan that never expires with time or mileage. These plans include 24-hour roadside assistance and rental vehicle assistance. Mercury has been protecting vehicles since 1974, with over $6.7 billion in assets, Mercury will be there when you need them. Click for a quote!

Robert and Da'Sha talk about pet insurance and the practicality of insuring a $1,500 dog against the possibility of a $20,000 cancer diagnosis. BMFCE: Insurance producers and adjusters can earn insurance continuing education credit listening to Robert's live webinars. No test required for credit! BMFCE.com. The show is supported by Mercury Protect. Protect against those pricey unexpected auto repair headaches. Mercury offers a Monthly Vehicle Repair Plan that never expires with time or mileage. These plans include 24-hour roadside assistance and rental vehicle assistance. Mercury has been protecting vehicles since 1974, with over $6.7 billion in assets, Mercury will be there when you need them. Click for a quote!

Robert is joined by Da'Sha to talk about the texts they each receive from unknown phone numbers. These might be attempts at a scam known as "pig butchering." Awareness is the best protection, but there could also be a widely available insurance product to help victims. BMFCE: Insurance producers and adjusters can earn insurance continuing education credit listening to Robert's live webinars. No test required for credit! BMFCE.com.

Robert talks through a presidential campaign proposal to make in vitro fertilization (IVF) treatments free for people trying to conceive a child. There's no such thing as a free lunch, so what are the implications to making the IVF treatments a mandated benefit on health insurance or a tax refundable expense to taxpayers? BMFCE: Insurance producers and adjusters can earn insurance continuing education credit listening to Robert's live webinars. No test required for credit! BMFCE.com.

Robert and Da'Sha sign an extension to his apartment lease and two weeks later his landlord pretends like it never happened. Instead, the landlord wants to run background checks and collect application money. This is a violation of Arizona law and common sense and Robert takes it as a personal affront. BMFCE: Insurance producers and adjusters can earn insurance continuing education credit listening to Robert's live webinars. No test required for credit! BMFCE.com.  

Robert is joined by Da'Sha and they share stories of workplace sexual harassment, both personal and some things they have witnessed others endure. BMFCE: Insurance producers and adjusters can earn insurance continuing education credit listening to Robert's live webinars. No test required for credit! BMFCE.com. The show is supported by Mercury Protect. Protect against those pricey unexpected auto repair headaches. Mercury offers a Monthly Vehicle Repair Plan that never expires with time or mileage. These plans include 24-hour roadside assistance and rental vehicle assistance. Mercury has been protecting vehicles since 1974, with over $6.7 billion in assets, Mercury will be there when you need them. Click for a quote!

Robert's friend buys a truck before discovering the insurance for the vehicle would cost $480 a month. BMFCE: Insurance producers and adjusters can earn insurance continuing education credit listening to Robert's live webinars. No test required for credit! BMFCE.com. The show is supported by Mercury Protect. Protect against those pricey unexpected auto repair headaches. Mercury offers a Monthly Vehicle Repair Plan that never expires with time or mileage. These plans include 24-hour roadside assistance and rental vehicle assistance. Mercury has been protecting vehicles since 1974, with over $6.7 billion in assets, Mercury will be there when you need them. Click for a quote!

Robert is with his son, Jake, at a family vacation in Mansfield, Ohio. They chat about renting cars, lending their cars to family members and how the cars are insured in each case. BMFCE: Insurance producers and adjusters can earn insurance continuing education credit listening to Robert's live webinars. No test required for credit! BMFCE.com. The show is supported by Mercury Protect. Protect against those pricey unexpected auto repair headaches. Mercury offers a Monthly Vehicle Repair Plan that never expires with time or mileage. These plans include 24-hour roadside assistance and rental vehicle assistance. Mercury has been protecting vehicles since 1974, with over $6.7 billion in assets, Mercury will be there when you need them. Click for a quote!

Robert shares an experience with movers in which he is certain they stole his softball bat. Rather than move again, he and Da'Sha are redecorating his place now that she is living with him. Should they buy the "protection" for their new living room furniture? A past experience with a broken ottoman suggests maybe not, but regardless, there will be no more horseplay allowed in the living room and definitely no Flamin' Hot Cheetos allowed on the sofa.

Robert is back from a trip to Chicago to talk about the intersection of driverless vehicles, pedestrian safety and rising auto insurance premiums. Along the way, a public service announcement about scams at O'Hare airport, an exciting night at Wrigley Field for those that don't have to leave early to beat traffic home and a reminder that maybe your grandma shouldn't be driving anymore. BMFCE: Insurance producers and adjusters can earn insurance continuing education credit listening to Robert's live webinars. No test required for credit! BMFCE.com.

Robert and Da'Sha are back from a vacation in Miami and recount their experience at an Airbnb. Da'Sha's IG video post got a lot of attention, so Robert had questions about who sees the video and for how long. He explores the possibility of insurance adjusters and investigators using social media to identify the true condition of insured property, an insured's health and potential insurance fraud. BMFCE: Insurance producers and adjusters can earn insurance continuing education credit listening to Robert's live webinars. No test required for credit! BMFCE.com.

Robert has a conversation with Da'Sha about how consumer credit history impacts the insurance premiums paid on homeowners, auto and renters insurance. Many insureds with below average credit scores are paying significantly higher than average premiums. BMFCE: Insurance producers and adjusters can earn insurance continuing education credit listening to Robert's live webinars. No test required for credit! BMFCE.com.

Da'Sha joins the podcast to talk about her upcoming graduation from dental hygiene school. If something were to happen and she got sick or hurt and couldn't work, what might she do to replace her income? Like many people, she hasn't thought much about it. Robert shares some information about disability insurance and then they debate which of them would drown if he drove their golf cart into the pond.

Robert's mother visits the podcast and they talk about how his Camaro got sideswiped the week before. The other driver was at fault, but how will the experience be with the insurance company?

Robert invites his son Damon on the podcast to review the taxes taken out of his first paycheck. What are the social security taxes and what do those funds pay for?

A bicycle comes out of nowhere on a dark highway and hits Robert's Chevy Camaro causing significant damage. Robert shares the story with his friend, Justin Candau, a catastrophic claims adjuster. The two go back and forth about how and why cars get totaled, keeping a car after it's been totaled and whether the accident should have been a comprehensive or collision claim.

Robert shares how his favorite radio station from the 90s introduced him to the band Savatage and their beautiful blending of keyboards and hard rock. He is less enthusiastic about rock operas, musicals or insurance products that blend life insurance with investments or living benefits.

A Youtube video featuring Steve the Guardrail Guy inspires Robert to share a story of falling asleep while driving home after a Metallica concert on January 31, 1993. He hit several guardrails and caused damage to all four sides of a 1986 Mercury Cougar. BMFCE: Insurance producers and adjusters can earn insurance continuing education credit listening to Robert's live webinars. No test required for credit! BMFCE.com.  

Robert demonstrates how little he remembers about the history of exploration and European economic history, yet still has no reservations about connecting it to current insurance premiums for container ships cruising through the Red Sea in 2024. Also, a new feature on the podcast--"Robert Watches a Movie You Saw Ten Years Ago." This week's film is John Wick! BMFCE: Insurance producers and adjusters can earn insurance continuing education credit listening to Robert's live webinars. No test required for credit! BMFCE.com. BMFInsurance.agency: Robert is also a busy insurance agent. Search and buy great products online, including vehicle service contracts, travel insurance, life insurance and more at our agency site.

Robert and Da'Sha share roommate horror stories, talk about the need for renter's insurance when moving in together and why the $400 Christmas tree is covered on his policy while stored in her mother's garage. BMFCE: Insurance producers and adjusters can earn insurance continuing education credit listening to Robert's live webinars. No test required for credit! BMFCE.com. BMFInsurance.agency: Robert is also a busy insurance agent. Search and buy great products online, including vehicle service contracts, travel insurance, life insurance and more at our agency site.

Robert buys his teenage son a kit so he can assemble his own 1800s-era rifle. They discuss the location of vital arteries, Chinese organ thieves, whether or not your mother-in-law would sue if you shot her in the kneecaps, and gun insurance. BMFCE: Insurance producers and adjusters can earn insurance continuing education credit listening to Robert's live webinars. No test required for credit! BMFCE.com. BMFInsurance.agency: Robert is also a busy insurance agent. Search and buy great products online, including vehicle service contracts, travel insurance, life insurance and more at our agency site.

Robert and Da'Sha traveled to Florida for a quick vacation. They share their frustrations with air travel etiquette and explain why they purchased the protection for a new pair of sunglasses. BMFCE: Insurance producers and adjusters can earn insurance continuing education credit listening to Robert's live webinars. No test required for credit! BMFCE.com. BMFInsurance.agency: Robert is also a busy insurance agent. Search and buy great products online, including vehicle service contracts, travel insurance, life insurance and more at our agency site.

Robert is heading to holiday parties and uses the topic as a springboard to review a few things covered in previous episodes and answer listener questions.

Robert is joined by Da'Sha to discuss kidnappings while vacationing or traveling on business to foreign countries. There is insurance for that! BMFCE: Insurance producers and adjusters can earn insurance continuing education credit listening to Robert's live webinars. No test required for credit! BMFCE.com. BMFInsurance.agency: Robert is also a busy insurance agent. Search and buy great products online, including vehicle service contracts, travel insurance, life insurance and more at our agency site.

Robert received a letter from his lender stating they needed proof of his master condo association insurance. He and Damon examine why they need this proof and what they will do if they don't get it. They also riff on unique Arizona wildlife, movies with loan sharks, and how marching band trophies are different from the Stanley Cup.

Robert and Damon share thoughts on how Halloween has changed over generations and why homeowners should be concerned about masked children running loose on their property. Extra tips on what to do if you find yourself in a non-flammable costume and the possibility of rabies making a comeback are also offered.

Robert talks about how his girlfriend doesn't understand the college football rivalry between Michigan State and the University of Michigan, the conflict in Israel and Gaza, and how terrorism is covered under property insurance policies in the United States.

Robert is sounding somber in this episode in which he talks about the dismissal of Mel Tucker, head coach of the Michigan State University Spartans football team. As a proud alumnus, he offers no excuses for bad behavior and draws a comparison to the insurance industry and businesses in general that are in need of productive, but also ethical, talent.

Robert is joined by Ashley to talk about the recent company retreat in Sedona, Arizona. There was an injury on the jeep tour, random customers serving drinks at a dinner show, hotel employees making accusations of infidelity, and a ride in a tow truck.  In comparison to some other company outings, however, this one was pretty tame. No one is complaining.

Robert visits with his sister, Laura, to talk about her dog, the possibility of serious injury or cardiac arrest, animal CPR and cats that only eat soup.

While Robert was in Chicago on business, Da'Sha bought herself a used Mercedes. Robert returns to discuss her recent experience purchasing a vehicle service contract from the car dealership.

Robert is joined by his son, Damon, to share stories about his uncle who used to drive a school bus and how Robert wouldn't walk his son to the school bus stop when he was in first grade.

Robert rents a boat for a day out on Flathead Lake with his girlfriend.  For a guy who doesn't own a boat and almost never rents boats, where do you find coverage in the event of an accident? Rather than interview an expert on the topic, Robert gets his childhood friend, Sean, to explore the topic.

Robert is joined by life insurance settlement broker, Lisa Rehburg, who shares her expertise on getting value out of life insurance policies that might otherwise be surrendered or allowed to lapse.

Robert is joined by another regular at the karaoke bar, Jenna, for a discussion on day drinking, smuggling ice cream past security, and their process for debuting new songs.

Robert is joined by SMU tennis star, Hadley Doyle, to talk about her experience as a college athlete, the risks athletes face and the insurance sponsored by the NCAA that may mitigate that risk.