Podcasts about casualty insurance

This week in insurance town Heath Shearon sits down with Martin Mashalov, co-founder of Gridpull, to unpack why buying more leads is not the same as getting more business. They dig into how appetite matching, renewal timing, and trigger-based prospecting can help agencies spend producer time more efficiently and improve conversion rates.Martin explains how his background in applied math and insurance analytics led him to build tools for finding better prospects, not just more prospects. The conversation stays practical throughout, with examples from restaurants, commercial real estate, and new business triggers.00:00 - Welcome to the episode and the lead buying problem  05:22 - Why insurance complexity pulled him toward technology  09:55 - Modeling insurer risk and learning the agency and brokerage chain  12:04 - How lead buying became a prospecting problem  14:39 - Why volume alone does not fix lead performance  18:39 - What “appetite” means for agencies and carriers  20:29 - Restaurant examples and carrier appetite edge cases  27:17 - New business triggers as a smarter prospecting strategy  28:21 - Permits, hiring, and licensing as insurance signals  31:38 - Trigger stacking for stronger prospecting profiles  33:20 - Why Gridpull was built around a real workflow problem  34:08 - Where AI fits and where it should stay out of the way  39:30 - How Gridpull organizes renewals, contacts, and follow-up  42:43 - Using existing books of business for cross-sell opportunities  44:10 - Early conversion rate and revenue gains from Gridpool  47:40 - How Gridpull supports agencies beyond just software  48:13 - Contact options and demo availability  49:22 - Free trial, credits, and privacy considerations  Sponsors :CANOPY CONNECT1 FortVIVA 

This week Drake Lawhead comes to visit us in Insurance Town to talk all things conference , and maximizing the conference experience. We get into what all goes into building a major industry event and how attendees can actually get value from showing up. They also dig into how ITC evolved from an investor-focused conference into a broader experience for agents, brokers, carriers, and the tech vendors serving them.We discuss why in-person networking still matters, how to prepare before a conference, and what makes ITC's agent and broker programming different from a typical trade show. 00:00 - Welcome to Insurance Town and sponsor shoutouts  08:25 - What conference planning really looks like behind the scenes  09:36 - How conference teams handle complaints and reduce friction  11:42 - How attendees should prepare before a conference starts  13:25 - Why some people should attend with a plan and others should leave room for serendipity  15:46 - Why staying present beats taking conference-day Zoom calls  18:48 - Why in-person networking still beats digital connection  19:49 - How ITC's app and meeting system help people connect fast  28:35 - Why insurance is a natural fit for technology and AI  31:09 - What ITC Agents attendees can expect from Tuesday through Thursday  33:43 - Expo hall, main stage, happy hours, and the closing concert  38:05 - Why ITC was built for introverts too  39:43 - Quiet zones, lounges, puppy park, and low-pressure networking  42:31 - How ITC borrows ideas from other conferences  45:01 - Why intentional networking matters more than just putting people in a room  46:45 - Why Drake enjoys the independent agency world  47:58 - Dates, location, and how to register  48:59 - ITC events around the world  50:49 - Final push to register and use the app  51:47 - Closing thanks and signoff Thank you to my Sponsors:   Canopy Connect 1fort Viva Virtual Solutions 

In this weeks Episode, I got the chance to talk to my brother, my homie, my main man, Casey Nelson of Agency X and Eclipse Insurance. We talked about a major career shift, returning to the agency side with Eclipse Insurance, and why that move is giving him a new lens on what  works and what doesnt inside an agency. They also dig into Agency X, Casey and Jessica Holder's upcoming behind the scenes podcast about fixing real agency problems in real time. Think, Reality TV meets VLog, meets Podcast, and all rolled into some entertaining and Educational Content built for insurance agencies.  A big part of the conversation centers on the tension between old school workflows, modern automation, and AI, plus how agencies can adopt technology without creating chaos. Let me be real , this one gets SPICY, QUICK!! Timestamps00:00 - Welcome to Insurance Town and sponsor rundown 02:25 - Casey joins the conversation and catches up with Heath 08:51 - Why agency owner alignment on process is non negotiable 09:46 - Paper workflows, printed emails, and missing documentation 14:07 - Why no insurance tech is truly ready out of the box 15:04 - Preparing clients for AI driven service changes 20:28 - Front door theory and getting everything into the ecosystem 22:24 - Why agents should stop using personal cell phones for business 24:14 - Relationship business vs order taker mentality 27:10 - The value of honest staff feedback on workflows 31:17 - How AI adoption has changed since the Zapier era 32:26 - Why agencies that resist tech risk falling behind 37:46 - AI fatigue and why younger generations may push back 39:21 - Why agencies should map pain points before buying AI tools 40:22 - Change one variable at a time and keep a baseline 41:38 - What is agency X 47:40 - Casey's ITC speaking opportunity 49:10 - What Casey will talk about at ITC 50:42 - Why the agent and vendor halls at ITC are worth the trip 51:38 - ITC promo code details and closing thoughts 52:32 - Final thanks, future guest host plans, and signoffSponsors:Canopy Connect 1Fort AIViva Virtual Solutions

This week in Insurance Town, I got to sit down with Francisco Lopes of Sonant.AI for a conversation about one of the fastest-growing technologies in the insurance industry: voice AI.Artificial intelligence has become one of the biggest topics in our business, but with all the excitement comes plenty of skepticism. Francisco and I discussed where voice AI has come from, why today's technology is dramatically different than the automated phone systems of the past, and how agencies can begin using AI in ways that improve both customer experience and operational efficiency.We also talked about the concerns many agency owners and employees have about AI replacing jobs. Francisco shared why he believes AI is best used to support people, not replace them, allowing agency teams to spend more time building relationships and solving complex client needs while automation handles routine conversations.Whether you're just beginning to explore AI or you're looking for practical ways to implement it in your agency, this episode offers valuable insights into where the technology is headed and what independent agencies should be doing today to prepare for tomorrow.Chapters00:00 Introduction and episode overview02:23 Francisco's background and journey from astrophysics to AI08:01 Moving to Silicon Valley and the lessons learned building AI technology12:00 How Sonant.AI found its niche serving independent insurance agencies14:46 Overcoming skepticism about voice AI and changing perceptions in insurance17:47 Why creating a great customer experience matters more than achieving technical perfection21:56 Addressing concerns about AI replacing jobs and why AI should empower agency teams28:50 The future of AI in insurance, agentic AI, and where agencies should begin36:01 Practical advice for insurance agencies looking to implement AI today38:00 How to connect with Francisco and learn more about Sonant.AISponsors:Canopy Connect-1Fort AIViva Virtual Solutions

There are some interviews you enjoy... and then there are conversations you genuinely don't want to end. This was one of those.Recorded live from the iconic Santa Monica Pier during InsuranceFest 2026, I had the opportunity to sit down with Christina Lucas of Google Cloud, and what a fantastic conversation it turned out to be.While many people know Christina for her work at Google Cloud, what really stood out was her incredible journey. From leading teams across the United States to living and working around the world, her experiences have shaped a unique perspective on leadership, innovation, and the future of our industry. She shared lessons learned from different cultures, different organizations, and different stages of her career—and in doing so, taught all of us something valuable.Of course, we couldn't sit down with Christina without talking about artificial intelligence. We explored how Google Cloud is helping transform the insurance industry, why trust and security remain at the center of innovation, and how organizations can embrace AI in practical, meaningful ways. Rather than focusing on the hype, Christina brings a thoughtful perspective on how technology can empower people and create better outcomes across the insurance ecosystem.We also discussed her newly co-authored book, Artificial Intelligence in the Insurance Industry, where she shares practical insights into how AI is already reshaping underwriting, brokerage, customer experience, operations, and leadership. Whether you're just beginning your AI journey or looking to take the next step, her perspective is one every insurance professional should hear.This episode is packed with leadership lessons, technology insights, and plenty of laughs along the way. I had an absolute blast recording this one, and I think you're going to enjoy every minute of it.A huge thank you to Christina for taking the time to join us and for sharing her wisdom with the Insurance Town community.A special thank you to our amazing sponsors for making Insurance Town possible:

Thurston v. Progressive Casualty Insurance Co.

In this weeks episode i interview my new friend Jerry Ye, we explore how AI is transforming the insurance industry through the lens of Jerry Ye, in this engaging episode. Learn about the practical applications of AI in streamlining workflows, enhancing client relationships, and the future agency model. The journey of Jerry Ye into the insurance and AI space, including his background in machine learning and entrepreneurshipHow AI is helping agencies automate manual tasks like policy checks, renewals, and COI generationThe importance of integrating AI deeply into agency workflows versus superficial useThe myths and realities of AI replacing versus augmenting insurance agentsPractical tips for agencies to adopt AI, including buy versus build strategies and overcoming industry resistanceFuture vision: AI's role in reducing operational bottlenecks and enabling agents to focus on relationship-building Time Stamps 00:00 - Introduction to the episode and guest Jerry Ye02:30 - Jerry's background in AI, entrepreneurship, and insurance07:15 - Stereotypes in insurance: sales and service myths10:45 - Why insurance remains resilient and adaptive13:30 - The impact of AI on insurance agency workflows16:40 - The role of call coaching and relationship building in sales19:50 - AI's future in automating operational tasks and deep system integration22:15 - The challenge of adopting AI in traditional, old-school agencies26:00 - Key bottlenecks in agency operations: renewals, policy checks, and more29:20 - The buy versus build debate in AI software adoption32:00 - How integrated AI solutions should work in agencies35:20 - Origin story of Relay AI and its mission37:00 - The agency of the future and strategic AI adoption40:00 - How to connect with Jerry and upcoming MAC Conference Sponsors! Canopy Connect1Fort Insurance AIViva Virtual Assistants Connect with Jerry Ye: LinkedIn Twitter 

In this weeks episde here in Insurance Town I got to interview my friend Jackson Rollo. In this episode Jackson, president of Rollo Insurance Group, shares how a second-generation family agency achieved remarkable growth by embracing unorthodox strategies rooted in community focus, technological innovation, and strong culture. Discover how intentional investment in people and purpose can transform an agency into a leading industry force.Main Topics Covered: The evolution and rapid growth of Rollo Insurance over the past five years, doubling its offices despite a 26-year historyThe agency's dedication to community involvement, including volunteer programs that foster local relationshipsReinventing agency culture: Building trust, loyalty, and unconventional hiring practicesThe importance of niching versus community focus, with insights into their local-market strategies in ArkansasHow adopting technology and AI enhances human creativity and service, not replaces itBalancing profit, purpose, and team development within a family-owned businessThe mindset shifts necessary for agency owners to move from producer to leader Timestamps: 00:00 - Welcome & overview of Jackson Rollo's agency story 04:10 - How culture evolution fuels rapid growth 06:15 - Local market dominance through community focus & tech adoption 09:00 - Debunking niche-focused growth: Community first approach in Arkansas 11:45 - The role of technology and AI in empowering staff 14:30 - Building trust and loyalty through unconventional hiring 17:00 - Leadership mindset: Transitioning from producer to leader 20:30 - Balancing family legacy with modern agency scaling 23:45 - Developing staff & the importance of loyalty and character 26:50 - Personal branding and empowering individual agency staff 29:40 - Reinventing agency culture: From day one to long-term growth 33:10 - Embracing contrarian approaches to agency success 36:20 - The value of investing in people for sustainable growth 39:45 - How to develop a future-focused, innovative agency culture 43:20 - The impact of AI and technology on human creativity & problem solving 47:15 - The evolution of Jackson's personal leadership & maturity 50:45 - Traits of team-building and loyalty seen in Jackson's family business 54:50 - Managing local engagement while embracing technology 58:15 - Connecting with Jackson & resources for agency growth Canopy Connect1FortViva

In this episode of Rising Voices of Fundraising: The AFP Emerging Leaders Podcast, AFP president & CEO Art Taylor and Outstanding Young Professional awardee Tatumn Zale, CFRE, join our hosts for an honest conversation about artificial intelligence and what it means to lead with intention in an AI-driven world. From how they're each using AI in their daily work to the harder questions about donor trust, agentic AI, and accountability for AI outputs, Art and Tatumn explore where senior and emerging leaders agree, where they diverge, and what it looks like to use AI with both ambition and integrity. Guest: Art Taylor: H. Art Taylor is president and chief executive officer of the Association of Fundraising Professionals (AFP), representing individuals and organizations that raise more than $100 billion in charitable contributions every year around the world for countless causes. Prior to accepting the president & CEO role for the Association of Fundraising Professionals, Mr. Taylor served for 23 years as president and chief executive officer of the BBB Wise Giving Alliance. In this role, he oversaw all aspects of the organization's work, including setting standards for soliciting organizations, evaluating charities in relation to these standards, and publishing the Wise Giving Guide. He also supported local Better Business Bureau charity review programs, promoted charity accountability, provided resources on informed giving to various donors and government entities, hosted a weekly podcast, fostered collaboration among charitable organizations, developed giving tools, and assisted charities in improving operations, governance, and leadership. Before joining the BBB Wise Giving Alliance, Mr. Taylor headed the Opportunities Industrialization Centers of America, Inc. (OICA) from 1990 to 1999. He currently serves on the boards of Franklin & Marshall College, Convergence Policy, American Non-Profits, National Assembly Business Services, Elevate 215, Certified Fund Raising Executives, Creating Healthier Communities, Board Source, and Institute For the Future. He is a graduate of Franklin and Marshall College and received an honorary Dr. of Laws from his alma mater in 2002. He earned a JD from Temple University James E. Beasley School of Law and was admitted to the Pennsylvania Bar in 1989.   Tatumn Zale, CFRE is a nonprofit fundraising strategist with a passion for building donor relationships that last. As Assistant Director of Development at AllThrive 365, she leads the organization's fundraising strategy with a focus on corporate, government, foundation, and individual philanthropy. Beyond her day-to-day work, Tatumn serves as a Board Member for the Association of Fundraising Professionals Greater Phoenix Chapter, where she has held roles as National Philanthropy Day Chair, Sponsorships Chair, and currently as the Arizona State Conference Chair. Her contributions to the sector have earned her recognition as the 2026 AFP National Emerging Leader, the 2023 AFP Greater Phoenix Emerging Fundraiser of the Year, and the 2023 YNPN Phoenix LINK Pitch Competition Champion. She holds National Association of Insurance Commissioners licenses in Life, Health, Property & Casualty Insurance. Tatumn co-founded Kindling Impact Consulting out of a belief that small and mid-sized nonprofits deserve access to the same caliber of fundraising and communications expertise as larger organizations , without the price tag to match.   Hosts:  Jarrod Williams, MBLI, CFRE, is a courageous, strategic, and results-oriented fundraising leader with over a decade of experience driving revenue growth, donor engagement, and organizational visibility. He is committed to building cultures of philanthropy within mission-driven organizations and brings a proven track record across major gifts, annual giving, corporate sponsorships, event strategy, and data-informed decision-making within both arts and social justice and organizations. He serves as a Client Experience Leader for Veritus Group, where he educates and coaches fundraisers across the country on innovative mid-level and major gift strategies. In this role, he partners with organizations nationwide to strengthen donor pipelines, elevate fundraising performance, and build sustainable revenue models. Jarrod has been recognized for his leadership and influence and remains actively engaged in advancing the fundraising profession. He serves on the AFP Global Emerging Leaders Committee and the AFP LEAD Education Committee, supporting the development of the next generation of fundraising professionals. In 2020, he was named a Top 30 Under 30 Young Professional by 101.1 The Wiz in Cincinnati. He is also a graduate of the Urban Leaders Institute through the Urban League of Greater Southwestern Ohio, where he earned the Best-in-Class Award for Best Connector—recognizing his ability to build meaningful relationships and mobilize others around a shared vision. He is a proud Certified Fundraising Executive (CFRE) and a graduate of the AFP Global Faculty Training Academy. Jarrod holds a bachelor's degree in Mass Communications from Wright State University and a master's degree in Business Leadership and Innovation from Northern Kentucky University. Dr. Allison Quintanilla Plattsmier, CFRE, ACNP, GPC, CAP, Founder & CEO, AQP Consulting & Executive Director, ENP: Dr. Allison Quintanilla Plattsmier has fourteen years of experience in the nonprofit sector and has collectively raised approximately $5 million for over 75 organizations. She serves as Executive Director of ENP and runs her own nonprofit consulting firm, AQP Consulting, where she helps grassroots nonprofits with fundraising strategy, strategic planning, board development, and grant writing.  Allison is a vocal advocate for gender parity, closing the wage gap, and ending the motherhood penalty. With accolades such as AFP's Outstanding Young Fundraising Professional, NBJ's 40 Under 40, NBJ's Women of Influence, a National Latino Leader, and the Women Who Rock Nashville Social Justice Award, Dr. Quintanilla Plattsmier strives to serve and better her community every day. A dedicated AFP member for the last seven years, Allison currently chairs the Women's Impact Initiative (WII) Mentorship Program and serves on the LEAD Education Advisory Committee. When she is not out serving her community, she is spending time with her three kids, Quintan, Karina, and Kamren.

In this episode of Insurance Town, we've got a Mayor Solo episode. No guest this week, just me and my fellow citizens of Insurance Town.Today, we're tackling a topic that I think has become way more complicated than it needs to be: personal branding.I'm going to challenge some of the biggest buzzwords in business and marketing today. What if "personal branding" is really just your reputation? What if authenticity is simply being true to yourself? What if networking is nothing more than making genuine friends?As a 90's kid, I don't think these ideas are new. I think we've spent the last twenty years creating new words for principles our parents were teaching us long before social media, LinkedIn, and personal branding became a thing.In this episode, we'll talk about how to intentionally build a reputation people trust, how to protect that reputation, why "fake it till you make it" is a dangerous philosophy, how to discover who you're uniquely called to serve, and why the strongest personal brands aren't manufacturedthey're built one promise, one relationship, and one act of integrity at a time.If you've ever wondered how to become known, trusted, and remembered without pretending to be someone you're not, I think you're going to enjoy this conversation.In this episode, you'll learn:Why your brand starts long before you ever have a "name brand"The difference between reputation and personal branding—and why it mattersWhy "fake it till you make it" may be holding you backHow being true to yourself is actually the easiest long-term branding strategyHow to identify the people you truly want to serveWhy trying to serve everyone weakens your reputationHow to define what you want to be known forWhy protecting your reputation sometimes means saying "no" to the wrong clientsHow one bad-fit customer can impact your culture, your team, and your future businessWhy networking is really about building genuine friendships, not collecting business cardsA simple way to talk about what you do without sounding like everyone elseHow to build a reputation that creates trust, referrals, opportunities, and long-term influenceSponsor Shout out:1FortAI is changing the insurance industry, but the biggest opportunity isn't just automation, it's having proactive digital teammates that help your agency work smarter every day. Learn more at https://1fort.com.Canopy ConnectEliminate manual data entry and create a better client experience with Canopy Connect. Their technology allows prospects and clients to securely share insurance information in minutes. Learn more at https://usecanopy.com/heath.VIVA Virtual SolutionsLooking to grow your agency without adding unnecessary overhead? VIVA Virtual Solutions connects insurance agencies with highly trained virtual professionals who can help you scale your operations while delivering exceptional service. Learn more at https://vivavs.com.

Most insurance agencies are still using AI like a search engine.They open ChatGPT. They ask a question. They get an answer.That's useful.But it's also reactive.The next generation of AI doesn't wait to be told what to do.It monitors activity, organizes information, surfaces opportunities, flags missing data, drafts communications, and helps move work forward before anyone even asks.That's the difference between using AI as a tool and working alongside an AI Digital Teammate.In this episode of Insurance Town, Heath Shearon sits down with Caleb Cramer of OneFort to explore how proactive AI is reshaping insurance agencies, commercial insurance workflows, and the future of agency operations.Together, they discuss why the conversation around AI needs to move beyond chatbots and prompts toward intelligent systems that actively support producers, account managers, and agency owners throughout the day.From commercial submissions and renewals to proposal generation, risk assessment, and customer communication, this episode provides a practical look at how AI is becoming an everyday teammate for insurance professionals.Most importantly, Heath and Caleb explain why the agencies that thrive over the next decade won't replace people with AI.They'll empower people with AI.Episode Chapters00:00 — The Shift from Reactive AI to Proactive AI02:11 — Meet OneFort: Your AI Digital Teammate04:10 — Why Insurance Is Ready for Its Next Technology Leap06:02 — Will AI Replace Insurance Professionals?08:17 — AI-Powered Commercial Insurance Workflows11:25 — Why Waiting on AI May Be the Biggest Risk12:25 — The Rise of Proactive AI16:44 — Lessons from Previous Technology Revolutions18:23 — Thinking Beyond Today's AI22:15 — Why Human Connection Matters More Than Ever27:36 — Personalization at Scale with AI32:39 — Building Trustworthy AI for Insurance37:22 — Why Humans Stay in the Driver's Seat43:24 — Security, Privacy, and Responsible AI45:51 — Overcoming AI Skepticism Inside Agencies50:07 — Commercial Insurance Renewals Reimagined55:24 — Where Agencies Save the Most Time58:35 — Simple Pricing and Fast AdoptionFor decades, insurance technology has waited for us to click the next button.The next generation won't wait.It will organize, prioritize, recommend, draft, monitor, and help move work forward before anyone asks.That's the promise of proactive AI.Not replacing insurance professionals.Creating AI Digital Teammates that handle the routine work so people can focus on building trust, advising clients, and growing their agencies.The future of insurance isn't simply using AI.It's working alongside it.Insurance Town Sponsors 1Fort AI – AI digital teammates built specifically for insurance agenciesCanopy Connect – One-click insurance data collectionVIVA Virtual Solutions – Insurance-trained virtual assistantsConnect with Caleb CramerLinkedIn1fort on Linkedin

In this week's episode of Insurance Town, I had the privilege of sitting down with my good friend Kelly Smith.Kelly is one of those people who has truly lived the insurance industry from every angle. She grew up in a family agency, spent time at the front desk, worked in personal lines, commercial lines, agency operations, underwriting, carrier sales, and now helps independent agencies grow through her work with FirstChoice.What I loved about this conversation is that Kelly's story is not just about insurance. It is about curiosity, hard work, education, family, leadership, and finding your place in an industry that can open a lot of doors if you are willing to keep learning.We talked about what it was like growing up in an independent agency, hiding under desks, messing with paper files, and learning the business from the inside out. Kelly shared how that agency background gave her a completely different perspective when she moved to the carrier side. She understood the urgency agents feel because she had sat in that seat herself.We also talked about her passion for education. Kelly shared a powerful story about being homeschooled, feeling behind academically when she started college, and how that experience fueled her desire to keep learning. Since then, she has earned multiple designations, completed her CPCU, and recently finished her MBA in insurance. The best insurance professionals don't just master one job. They learn the entire ecosystem. Kelly's career took her from an independent agency to the carrier side and now to helping agencies grow through a network. Each step gave her a new perspective that made her more valuable. Whether it's earning a designation, volunteering with an association, mentoring others, or simply staying curious, investing in your education compounds over time. Your next opportunity often comes from something you're willing to learn today. One of my favorite parts of the episode was our conversation about the next generation. Kelly's daughter recently attended risk management camp at App State, and we talked about how important it is to show young people that this industry is bigger than home and auto insurance. There are opportunities in sales, underwriting, claims, marketing, leadership, technology, agency ownership, and so much more.Kelly also shared what it means to be recognized as one of Insurance Business America's Rising Stars. Her humility really came through in this part of the conversation. She talked about being grateful for the opportunities she has had, but also wanting her story to encourage others, especially women and young professionals, to see what is possible in this business.00:00 Welcome 02:35 Born Into Insurance  06:00 Agency vs. Carrier: Seeing Both Sides  09:10 Can We Attract the Next Generation?  12:20 From Homeschool to MBA  17:45 Why Education Creates Opportunity  23:45 Leadership Through Service  26:00 Becoming an Insurance Rising Star  30:15 Helping Independent Agencies Grow  31:45 The Truth About Insurance Networks  35:45 Connect with Kelly  36:50 Sponsors & ClosingIf you're looking for one of the most innovative events in the insurance industry, check out Insurance Fest, hosted by Insurance Business America. It's not your typical conference. You'll hear from industry leaders, discover what's next in insurance, and connect with people who are helping shape the future of our industry. It's also where today's guest, Kelly Smith, will be recognized as one of Insurance Business America's Rising Stars, an honor that's incredibly well deserved. After hearing her story, I'm sure you'll understand why she's being recognized as one of the industry's emerging leaders.I'll be there as well, speaking on stage and recording a live episode of Insurance Town with Christina Lucas from Google. If you're planning to attend, come find us. Stop by, say hello, celebrate Kelly's accomplishment, and join us for the live podcast recording. I'd love to meet you in person.To learn more or register, visit Insurance Business America's Insurance Fest. I hope to see you there.SponsorsCanopy Connect1Fort AIViva  (00:00) - Welcome (02:35) - Born Into Insurance (06:00) - Agency vs. Carrier: Seeing Both Sides (09:10) - Can We Attract the Next Generation? (12:20) - From Homeschool to MBA (17:45) - Why Education Creates Opportunity (23:45) - Leadership Through Service (26:00) - Becoming an Insurance Rising Star (30:15) - Helping Independent Agencies Grow (31:45) - The Truth About Insurance Networks (35:45) - Connect with Kelly (36:50) - Sponsors & Closing

In this week's episode of Insurance Town Podcast, I sat down with my good friend Mariah Gates. Mariah has become one of the insurance industry's leading voices on automation, technology adoption, and helping agencies work smarter. What makes her perspective unique is that it is grounded in service, faith, and a genuine desire to help others succeed.During our conversation, we discussed how agencies can stop viewing technology as a burden and start seeing it as a strategic advantage. Mariah shares practical advice for building an effective technology ecosystem, implementing AI without overwhelming your team, and creating processes that allow agencies to scale while maintaining strong relationships with clients.Whether you're just beginning your technology journey or looking to maximize the tools you already have, this episode is packed with actionable insights you can apply immediately.Main Topics Covered:• Mariah's journey into insurance technology and automation• How faith and servant leadership have influenced her career• The evolution of AI and its growing impact on insurance• Why agencies struggle to fully utilize their existing technology• Building a connected and scalable technology ecosystem• The role of CRM systems in agency growth and efficiency• Lessons learned from the industry's digital transformation during the pandemic• Practical first steps for implementing automation and AI• Avoiding technology overload and choosing the right solutions• Personal productivity and automating everyday lifeKey Takeaways:• The insurance industry still has significant room for growth when it comes to technology adoption.• Most agencies are only utilizing a fraction of the capabilities available within their current technology stack.• Successful agencies focus on creating connected workflows instead of collecting disconnected tools.• AI implementation works best when agencies start with specific business challenges rather than chasing trends.• Team buy-in is critical for successful technology adoption.• Leaders should focus on solving employee pain points before introducing new technology.• Technology should support relationships, not replace them.• Faith, service, and integrity can serve as powerful foundations for leadership and business growth.• Building within established technology ecosystems often creates better long-term outcomes than relying on standalone solutions.• Small automation improvements can create significant time savings in both business and personal life.Timestamps:(00:00) Welcome to Insurance Town(00:26) Sponsor spotlight and technology solutions for agencies(01:55) Introducing Mariah Gates(03:46) Mariah's background and path into insurance technology(05:17) Faith, leadership, and serving others(07:04) Helping others before building a business(09:11) The opportunity for greater CRM adoption in insurance(09:30) How technology is changing agency operations(11:14) The pandemic's role in accelerating digital transformation(13:45) Why agencies often underutilize their technology(17:28) Building an integrated tech stack that works together(22:11) Common mistakes agencies make when selecting technology(27:36) Practical ways to begin implementing AI(33:20) Getting employee buy-in for automation initiatives(39:12) Choosing technology based on business needs(45:08) Personal automation and productivity hacks(50:41) Final thoughts and advice for agency leaders(54:22) Where to connect with Mariah GatesConnect with Mariah Gates:LinkedIn: https://www.linkedin.com/in/mariah-gatesSponsors:Canopy ConnectMAV1Fort

In this week's episode of the Insurance Town Podcast, I got to sit down with my good friend Carl Ziade, co-founder of Gaia, for a conversation about innovation, entrepreneurship, AI, and what it really takes to drive meaningful change inside an insurance agency.One of the things I appreciate most about Carl is that while he's a technologist at heart, he understands that technology alone doesn't solve problems. Process comes first. People come first. Technology simply helps great organizations execute better.Carl's journey is a fascinating one. As a Lebanese immigrant and Stanford-trained computer scientist, he didn't originally set out to build solutions for the insurance industry. In fact, Gaia emerged after lessons learned from a completely different startup venture. What followed was a relentless focus on listening to customers, solving real-world problems, and building tools that help insurance professionals eliminate repetitive work and focus on higher-value activities.In our conversation, we discuss:• Carl's entrepreneurial journey and path into insurance technology• The lessons learned from early startup failures and pivots• Why customer feedback should drive product development• The importance of strong business partnerships and company culture• Why process matters more than technology• Practical strategies for AI adoption inside insurance agencies• How Gaia's browser extension automates repetitive data entry• The power behind Gaia's "super copy" and "super paste" functionality• Change management and gaining team buy-in for new technology• What's next for Gaia and the future of data enrichment in insuranceOne of my favorite takeaways from this conversation is Carl's advice to start small. Too many agencies feel like they need a complete transformation overnight. The reality is that successful AI adoption often starts with one process, one workflow, and one win. Build momentum, create confidence, and then scale from there.If you've been wondering how AI can help your agency become more efficient without disrupting everything you're already doing, this episode is packed with practical insights you can apply immediately.Pull up a chair, grab your favorite beverage, and enjoy my conversation with Carl ZiadeA special thank you to our sponsors for supporting the Insurance Town Podcast:• Canopy Connect, helping agents collect verified insurance information from prospects in minutes.• 1Fort, helping agencies streamline commercial insurance submissions and placement through AI-powered workflows.• MAV, helping agencies scale smarter sales and close more deals with Texting to quality quote and connect prospects with your producersWe appreciate their support and their commitment to helping insurance professionals build better businesses.

Joseph Falasco v. USAA Casualty Insurance Company

In today's episode of Insurance Town, Heath sits down with Paul Riemer, CEO of Riemer Insurance Group and Panther Insurance. Paul shares how his agency has grown through a commitment to relationships, community involvement, strategic niche markets, and a willingness to embrace innovation while maintaining a personal touch.As a second-generation insurance professional, Paul discusses the lessons learned from starting at the ground level, building trust with clients, developing strong teams, and navigating today's rapidly changing insurance marketplace.Key Topics Discussed:• Building a successful agency through relationships and community engagement• Opportunities emerging in challenging insurance markets• Growing through niche markets and specialized expertise• Creating a culture that attracts and retains great people• Balancing technology, AI, and personal service• Lessons learned from a family-owned insurance businessEpisode Timeline(0:01 - 1:57) Introduction & Sponsors (2:19 - 4:13) Paul's Introduction & Market Insights (6:04 - 8:01)Personal Background & Family Business (9:33 - 13:02)Challenges & Learning in Insurance (13:52 - 15:21)Agency Growth & Team Dynamics (19:29 - 20:57)Community Engagement & Relationship Building (43:00 - 44:28)Innovation & Maintaining the Personal Touch (47:43 - 49:35)Conclusion & Contact InformationThanks to our Sponsors:1fort AICanopy ConnectMavThe Sassy Happy

Jayson Taylor is the Head of Casualty at MSIG USA. He previously served as Head of Excess Casualty for Argo Group and has held actuarial roles responsible for workers' compensation, warranty, property, and liability lines with QBE North America, Wells Fargo, and EMPLOYERS. He earned a B.A. in Business Administration from the University of Florida. This episode of In the Know was recorded live at RIMS RISKWORLD 2026 and features a conversation between Chris Hampshire and Jayson about advancing technologies, successful product development and launch, and the importance of building business relationships.   Key Takeaways Jayson's career started with a love of numbers. The presence and strategies of MSIG. Key differences between global and U.S. insurance companies. Transitioning from an actuarial to a relationship-based role. Insights into RIMS RISKWORLD 2026. Addressing rate increases with transparency. What Jayson looks for in his team members. Questions to ask yourself when changing roles. The impact of AI and data in risk management. Attracting talent to the insurance industry. Keys to successful product development and launch. A five-year look to the future of the industry. Jayson's advice to his early career self.   In the Know podcast theme music written and performed by James Jones, CPCU, and Kole Shuda of the band If-Then.   To learn more about the CPCU Society, its membership, and educational offerings, tools, and programs, please visit CPCUSociety.org.   Follow the CPCU Society on social media: X (Twitter): @CPCUSociety Facebook: @CPCUSociety LinkedIn: @The Institutes CPCU Society Instagram: @the_cpcu_society   Quotes "Business is built on the relationships you build." "We are in the business of paying claims to keep businesses going." "Put your focus on measuring what matters."

In this episode of Insurance Town, I get to interview my good friend Casey Armstrong of Canopy Connect. We dive into the innovative ways Canopy Connect is revolutionizing data collection for insurance agencies. Casey shares insights on how their platform simplifies client interactions, enhances data accuracy, and integrates seamlessly into existing workflows. Join us for an engaging discussion on the future of insurance technology and how agencies can leverage these tools for growth and efficiency..In this episode: Casey shares his journey with Canopy Connect from its inception in 2020 and how agency data collection has evolved.The simplicity of using QR codes and custom referral links to streamline prospect interactions.How Canopy Connect's Trailhead feature offers flexible, choose-your-own-adventure insurance pathways.The real-world impact of instant loss runs and deck pages extracted directly from carriers' systems.The role of AI in automating mundane tasks, freeing agents to focus on trusted advisory.Unique marketing strategies like limo rides and conference appearances to connect with customers creatively.The importance of human oversight in AI solutions to ensure accuracy and trust.Case stories illustrating premium increases through correct coverage and client advocacy.Practical tips for agencies new to Canopy Connect, including the ease of integrating it into current workflows.Casey's heartfelt message on gratitude, technological progress, and the future of insurance. Timestamps: 00:00 - Welcome to Insurance Town & Casey Armstrong intro 00:29 - Canopy Connect: The one-click solution for agencies 00:58 - The benefits of automation and the Trailhead feature 01:26 - AI for insurance: saving time and improving accuracy 02:23 - Exploring innovative marketing strategies and conference fun 03:00 - Casey's background, biking stories, and Northwest Arkansas 07:28 - How Canopy Connect transforms prospect engagement 08:08 - The value of instant carrier data and loss runs 09:39 - Bringing human oversight to AI automation 10:34 - The manual effort saved by AI and data accuracy 12:23 - How deck pages from carriers eliminate errors 15:08 - Commercial accounts insights and loss history access 16:13 - Simplified onboarding for new users of Canopy Connect 16:53 - Embedding Canopy into existing agency workflows 20:16 - Real-world client stories: under-insured homes & premium impacts 24:28 - Trailhead: The flexible, customizable journey paths 28:23 - The speed and efficiency benefits of Canopy Connect 30:34 - Lead tracking and prospect management dashboard 36:37 - Creative marketing: conference limos & branded experiences 38:35 - Heartfelt messages to existing customers and prospects 42:08 - Casey's call to action: harnessing technology for growth & successResources & Links: Canopy Connect - Streamline client data collection and quoting1Fort AI - AI automation for insurance submissions and quotingMAV - Text messaging solutions for prospect qualification Casey Armstrong on LinkedIn Connect with Casey: LinkedIn Email: casey@usecanopy.com Note: This lively and authentic discussion highlights cutting-edge solutions shaping the future of insurance. Whether you're an agent, agency owner, or industry innovator, Casey's insights will inspire your next move—embrace technology, improve efficiency, and grow your business with confidence.

In this week's episode of Insurance Town, I had the privilege of interviewing my friend Ema Roloff of Roloff Consulting. Ema and I dive deep into what it really means to lead in today's digital world, especially in an industry built on relationships, trust, and communication.Ema shares her journey from education into digital sales and consulting, along with the lessons she learned during the COVID era that completely transformed the way she approached content, technology, and leadership. This conversation is packed with practical insights for insurance professionals, business owners, marketers, and anyone trying to navigate change without losing authenticity along the way.We talk about the power of educational content, why relationship-building still wins, how to use AI intentionally, and what it means to become a true digital leader inside your organization.If you've ever struggled with showing up online, wondered how to balance authenticity with innovation, or felt overwhelmed by the pace of change in business today, this episode is for you.Timestamps 00:00 – Introduction and episode overview  07:25 – Overcoming sales challenges through content and education  09:33 – Why relationship-building beats traditional sales tactics  11:45 – Long-term trust development and sales cycles  13:09 – Creating authentic, value-driven content for B2B success  22:06 – Change management and decision fatigue  24:24 – Moving from product-focused to problem-focused content  26:55 – The mindset of serving and educating through social media  31:36 – Balancing authenticity with experimentation and technology  36:31 – Intentional implementation of AI and tech solutions  46:33 – Avoiding hype cycles and focusing on purposeful growth  54:32 – Reflecting on COVID as a catalyst for growth and innovation  59:10 – Ema's current work and how to connect with her And as always, thank you to our amazing sponsors: Canopy Connect  MAV  1Fort AI Be sure to subscribe, leave a review, and share this episode with someone in the insurance industry who could benefit from the conversation.-----------------------------------------------------------------------------------------------------------------------------------------------The Sassy Happy- For all of your corporate gifting needs- contact Mysassyhappy@gmail.com for more information on all things client gifts, employee gifts, or personal gifting to your best friend or favorite person too. :) 

On May 19, 2026, 914INC. proudly celebrated its 16th annual Wunderkinds Awards with a special cocktail reception at the Mamaroneck Beach & Yacht Club. This year's event honored 26 exceptional professionals under the age of 35 who were handpicked by the magazine's editors for their standout talent, innovative thinking, and meaningful contributions to the Westchester community. Featured in the May/June 2026 issue, these rising stars represent the future of the region's business landscape. A warm congratulations goes out to all of this year's honorees, along with a sincere thank you to the event sponsors who helped make this memorable celebration possible.Westchester Talk Radio host Joan Franzino Teddy Bugniazet, a Property and Casualty Insurance Broker at Marsh McLennan Agency, specializing in risk management and insurance programs for small to middle-market businesses. A Manhattanville University alumnus who grew up in Rye and now lives in Port Chester, Teddy has built a robust local network over the last three years. He enjoys the dynamic challenge of analyzing corporate risk and helping business owners navigate changing exposures.

At RIMS RISKWORLD 2026, Ashley Karg of McGill & Partners joins Insurance Journal’s Chad Hemenway to discuss how nuclear verdicts and tighter underwriting scrutiny are forcing companies to … Read More » The post How Nuclear Verdicts, PFAS, and Coverage Scrutiny Are Reshaping Casualty Insurance appeared first on Insurance Journal TV.

In this episode, Jay Wolfberg shares his remarkable journey from a small Connecticut town to leading a $32 million agency in Florida, and discusses his insights on scaling, client relationships, and franchise models in the insurance industry. Whether you're an aspiring agent or an industry veteran, Jay's strategic approach to responsiveness and authenticity offers valuable lessons for growth and success.Timestamps00:00 - Introduction and episode overview 02:24 - Meeting Jay Wolfberg and intro06:17 - The importance of selling on value versus price09:02 - How Jay figured out his agency's unique value proposition 11:37 - Handling commoditized auto coverage and understanding customer needs & growth y to a $32 million book14:40 - The secret to hyper-responsiveness and proactive customer service 18:48 - Creating an effortless, customer-centric experience 22:41 - Building and leading a franchise with WeInsure 37:21 - The structure and benefits of the WeInsure39:00- how to find JAY1Fort: AI for insurance agencies, automating submissions, quoting, and binding to save time and win more commercial PNC.Canopy Connect: The one-click solution for getting deck pages needed to quote prospects.MAV: AI-powered insurance expert managing unlimited leads with friendly text to qualify, quote, and connect prospects to agents.Resources & LinksWeInsure GroupJay Wolfberg's emailConnect with Jay WolfbergLinkedInTwitter

In this episode, Tyler Brown shares a grounded and practical look at what actually drives success in insurance sales. Drawing from his upbringing and career journey, Tyler explains why authentic listening is still the most underrated skill in the business. He breaks down how emotional connection influences buying decisions, how to ask better questions, and why consistent follow-up separates top producers from everyone else.The conversation also explores how tools like AI, including platforms like Nova Intel, can sharpen sales performance without replacing the human element. If you are looking to improve close rates, build stronger client relationships, and bring more intention into your sales process, this episode offers a straightforward roadmap.A quick thank you to our sponsors who make conversations like this possible: 1Fort, Canopy Connect, and MAV.What You'll Learn: Why listening is more powerful than pitching in today's sales environment  How emotional triggers influence buying decisions  Practical ways to improve your follow-up process  The art of asking deeper, more meaningful questions  How AI can support, not replace, strong sales habits  Why trust is built through honesty and transparency, not pressure Key Takeaways:Tyler makes a strong case that most sales problems are not pipeline problems, they are communication problems. Agents often talk too much, assume too much, and follow up too little.One of the biggest shifts discussed is moving from surface-level conversations to deeper discovery. When you slow down and truly understand what matters to a client, your recommendations become more relevant and your close rate improves naturally.Another important theme is consistency. Follow-up is not complicated, but it does require discipline. The agents who win are the ones who stay in front of prospects in a thoughtful and helpful way.On the technology side, AI is positioned as a tool for refinement. Whether it is helping analyze conversations, suggest better questions, or improve messaging, it gives agents an edge if they are willing to use it.Notable Quotes: “If you listen long enough, people will tell you exactly how to sell to them.”  “People don't buy policies, they buy peace of mind.”  “Follow-up isn't about being pushy, it's about being present.” Canopy Connect If you're still chasing down dec pages and playing email tag with clients, you need to check out Canopy Connect. It's a simple tool that lets your clients securely share their current insurance information in minutes. That means faster quoting, cleaner data, and a much better client experience. It takes friction out of the process, which is something every agency can benefit from.MAV Finding good people is one of the hardest parts of running an agency right now. MAV helps solve that by connecting you with trained, remote insurance professionals who are ready to step in and contribute. Whether you need help with service, sales support, or operations, MAV gives you a way to scale your team without all the traditional hiring headaches.1Fort (1fort.ai) 1Fort is bringing AI into the insurance workflow in a practical way. This isn't about hype, it's about helping agencies move faster and make smarter decisions. From streamlining submissions to improving how you manage data and communication, 1Fort helps you operate more efficiently so you can spend more time where it matters most, building relationships and growing your book.

In this episode of Insurance Town, Kevin Deutsch joins the show to unpack what's really happening in the health insurance space right now. From the growing role of AI to the emergence of ICHRA as a disruptive model, Kevin brings a practical perspective on where the industry is headed and what it means for agents, brokers, and agencies.The conversation digs into how technology is reshaping distribution, why data management is becoming a competitive advantage, and how personalization is moving from buzzword to reality. If you've ever felt like health insurance is overly complex, this episode helps simplify what matters and where to focus.Key Takeaways: Health insurance remains overly complex, but simplification is coming through better technology and data use  AI is only as effective as the data behind it, making data organization critical for agencies  ICHRA is creating new opportunities and challenges for brokers in the benefits space  Commission structures and distribution models are continuing to evolve  Personalization is not a future idea, it is actively shaping how coverage is designed and delivered today  Agencies that understand and adapt to these shifts will be better positioned for long-term growth  00:00 – Introduction 09:02 – Changes in Health Insurance Distribution 12:05 – The Role of Brokers in Health Insurance 15:06 – The Shift in Commission Structures 18:10 – The Impact of ICRA on Health Insurance 24:10 – Future of P&C Agencies in Health Insurance 29:57 – Understanding ICRA and Its Value 32:29 – Adoption of AI in Health Insurance 38:05 – Data Management for AI Utilization 40:26 – Trends in Personalization of Health Insurance 43:21 – Preparing for Personalized Benefits 44:42 – The Rise of Provider Sponsored Health Plans  48:59 – Softheon Mission and ServicesSponsorsCanopy ConnectMav1Fort AI Goli 

In this weeks episode we release more from the Lazy River, Casey Nelson's idea that has been such an amazing addition to the show. I appreciate all of the feedback I have gotten from these, so I will leak a few more out over time!  This clip is a continuation of the part 2, where we get into mental health, and leadership principles etc. sponsored by:Canopy ConnectMAV1Fort AI 

This Week In Insurance Town, we uncover practical insights and inspiring stories with Chelsea Bell Carpenter as she shares her journey through the insurance industry, mental health strategies, and the importance of intentional living to combat burnout. This conversation empowers listeners to redefine success, build confidence, and prioritize well-being amidst today's fast-paced world.Chelsea's diverse insurance career and lessons learnedRecognizing and managing burnout in a hyper-connected societyStrategies for building confidence and resilienceThe importance of boundaries, alone time, and intentional activities Generational shifts in attitudes toward work, health, and life balance Practical tools to reconnect with yourself and reduce stress In this episode You will also hear...  Chelsea's unexpected journey from insurance rookie to industry leaderHow wildfires and claims transformed her understanding of service and empathyThe true definition of burnout and how to identify its symptomsWhy organizations play a role in employee burnout and how individuals can take controlSimple somatic tools to calm your nervous system during stressful momentsThe cultural shift away from "busy as a badge of honor" toward conscious livingTips for carving out quality family time and developing passions outside of workAddressing fears of AI and automation: embracing technology as an allyThe importance of vulnerability and authentic leadership Timestamps00:00 - Welcome to the episode and introduction of Chelsea Bell Carpenter 06:29 - Wildfires, service, and the human side of insurance claims 16:22 - Developing confidence and overcoming fear of failure 21:59 - Managing stress responses in our technology-driven world 24:29 - Building stronger family and personal boundaries 26:42 - The impact of social media and constant connectivity 34:52 - How to distinguish between stress and burnout 37:14 - Strategies for organization, work-life balance, and hobbies 42:13 - The power of solitude and true rest in a busy society 46:42 - Addressing generational differences and future outlooks on burnout 53:33 - Organizational vs individual responsibility for burnout 55:57 - How to work with Chelsea for consulting, speaking, or events Chelsea Bell Carpenter — Connect and explore coaching and speaking servicesChelseaBellCarpenter.com — Website for programs and contactDerek Streep's Comedic Bit — Humorous take on taking breaks Connect with Chelsea Instagram Twitter LinkedIn Final note:Prioritize your health, set boundaries, and reframe what it means to be successful. Remember, taking time for yourself is not a luxury it's a necessity. You are worthy of space, rest, and peace.Sponsors:Canopy Connect MAV1Fort

 In this episode, Jason Peacock shares invaluable insights from his nearly three-decade career in insurance, emphasizing the importance of relationships, niching, and strategic follow-up. Whether you're just starting out or a seasoned pro, you'll find practical tips on building lasting client and carrier partnerships, navigating industry changes, and avoiding common pitfalls.Key Topics: The evolution of industry technology from paper directories to AI-powered tools The critical role of relationship-building with carriers and clients for long-term success How niching in specific industries can accelerate growth and simplify prospecting The importance of response time and follow-up in maintaining client trust Strategies to identify ideal clients and develop a targeted marketing approach The value of maintaining a well-structured system to prevent deals from falling through the cracks Lessons learned from setbacks, including the importance of asking tough questions early How to leverage existing relationships and reputation to find repeat business The significance of saying “no” to class types or clients that don't align with your goals Practical advice for new producers and agency owners to accelerate their learning curve Timestamps:  02:08 - Industry changes: from directories to digital 07:23 - The evolution of email and accessibility in insurance 12:00 - The irreplaceable value of personal client interactions 13:12 - Building and maintaining strong carrier relationships 15:36 - The importance of niching 27:36 - Niching and client profile optimization 30:41 - After securing clients: how to maintain and expand relationships 35:30 - Going where your best clients are and leveraging environments 40:30 - Systems to prevent follow-up failures and keep deals alive 45:17 - Handling clients outside your niche and collaborative referral networks 50:00 - Mentoring young producers and industry training 53:56 - Closing remarks and appreciation for industry peers SponsorsCanopy Connect Goli Nutrition MAV Insurance AI Connect with Jason Peacock: Website: JasonCPeacock.com LinkedIn: Jason Peacock Twitter: @JasonCPeacock Note: This episode is packed with actionable insights that cut through industry noise—great for agents, carrier reps, and aspiring producers alike.

In this weeks episode of Insurance Town, The Mayor Heath Shearon, sits down with Valerie Bowden, founder of Crdle, to discuss the evolving landscape of outsourcing and the unique opportunities Africa presents. Valerie shares her journey from backpacking across Africa to establishing a successful outsourcing company that champions fair wages and ethical practices. Discover how Crdle is changing the game by connecting businesses with talented professionals from the continent. Introduction[03:15] Valerie's JourneyValerie shares her adventurous backpacking trip across Africa How her experiences led to the founding of Cradle[10:45] The Cradle MissionDiscussion on ethical outsourcing and creating sustainable jobs The importance of fair wages and supporting African talent[18:30] Bridging the GapHow Cradle connects African professionals with global businesses Success stories and client experiences[25:00] The Role of AIValerie's insights on AI's impact on virtual assistants How AI tools enhance the capabilities of offshore teams[32:15] Tips for Hiring Offshore TalentValerie's advice for businesses looking to hire from Africa Best practices for onboarding and training virtual assistants[40:00] Closing ThoughtsValerie's vision for the future of outsourcing Final words and how to connect with Valerie and CradleSponsors:Canopy Connect: Revolutionizing the way agencies handle client data with their innovative intake form platform. Learn more at usecanopy.com.MAV- Ditch the call center and Hire Mav. Goli- GoGoli.com/MayorWant to work with Crdle ?want to contact Valerie Bowden

You know that room in grandmas house that was that room that you didn't sit in the furniture, you didnt touch anything? It was just pretty and you gotten threatened every time you went into that room?In this weeks episode, Monica Adwani, CPIA and I talk about that, and tie it into something that makes us cringe in the insurance industry. She also shares her extensive journey through the insurance industry, her insights on client communication, the importance of relationship-building, and how leveraging data and technology can transform agency operations. Discover practical tips on serving diverse communities, embracing AI, and enhancing efficiency to grow your insurance business.We discuss role of client education in building long-term trust. Monica breaks down how taking the time to truly educate clients not only strengthens retention, but positions you as a true advisor, not just a policy seller.And of course, we laugh a lot , we talk about our teenagers , life , Karate, and all kinds of other random topics too!!00:00 Reunion and Reflections03:01 Monica's Journey in Insurance06:01 Understanding the Carrier Perspective08:59 The Importance of Insurance Education12:08 Cultural Sensitivity in Insurance14:58 Effective Communication Strategies18:03 Adapting to Generational Differences18:37 Generational Communication Shifts21:49 Building Trust in Client Relationships24:38 The Role of Agents in a Digital Age27:50 Operational Efficiency in Agencies31:41 Time as the New Currency35:00 Leveraging AI for Better Decision MakingJump in and check it out Sponsored by:Canopy Connect Mav Goli Nutrition

In this episode, Lamar Garrett from Redbird Security delves into the critical importance of agency-specific cybersecurity tailored for insurance businesses. He discusses how proactive hardware and software maintenance can significantly reduce downtime, while the integration of AI streamlines operations and enhances security protocols. Lamar highlights the differences between general IT providers and insurance-specific MSPs, emphasizing the need for compliance with state and federal data regulations. He also shares best practices for integrating new technology, managing shiny objects, and preventing breaches through layered security and cyber awareness training. Additionally, Lamar addresses the impact of legacy hardware on security vulnerabilities and the importance of building strong relationships and trust within the insurance industry, along with strategies to improve communication about cybersecurity to agency owners.Lamar emphasizes that tailored cybersecurity, proactive hardware management, and clear communication are crucial for insurance agencies to protect their data and scale efficiently. His insights highlight that investing in industry-specific IT solutions is not just smart but necessary in today's digital landscape.Timestamps:00:00 - Introduction to Lamar Garrett and Redbird Security06:25 - The importance of insurance-specific IT solutions08:41 - How cybersecurity breaches impact large organizations and why agencies are at risk12:48 - Common misconceptions about insurance cybersecurity needs16:41 - Optimizing agency tech stacks for efficiency and compliance24:23 - Response times and minimizing downtime for agency management systems28:40 - How AI is transforming insurance IT security and operations32:38 - The hidden costs of aging hardware and legacy systems37:40 - Final thoughts on securing agency data and building industry trustResources & Links:Redbird SecurityRedbird Security on LinkedInApplied Epic MSP PartnershipMicrosoft CopilotEZLinks SoftwareCybersecurity Awareness CartoonsBook: "The Art of Cybersecurity" by David S. TanenbaumConnect with Lamar Garrett:LinkedIn - Lamar GarrettRedbird SecuritySponsors:MavCanopy ConnectGOLI

It's another episiode of Insurance town from the Lazy river!! With Ben Morrow, Brenden Corr, Marques Ogden, Jessica, Casey Nelson, Caleb Cramer, etc. Its FunSponsorsCanopy Connect MAVGoli= Go.Goli.com/Mayor

In this episode of Insurance Town, the Mayor sits down with his good friend, Emily Merola. Emily Merola is an executive presence expert, speaker, and founder of The Blazer Society who helps leaders go from overlooked to unmistakable. Through her work in Image + Impact and identity-first leadership, Emily equips leaders to bridge the gap between who they are and how they lead so they communicate with clarity, step into alignment, and own every room they enter. With more than 20 years of executive leadership experience and as a Maxwell Leadership Certified Speaker, Trainer, and Coach, Emily has influenced over 10,000 professionals worldwide through keynotes, retreats, and global leadership forums. She is trusted by organizations and event leaders to open and close high-stakes conversations, and is known for delivering high-energy, high-impact experiences that blend strategic insight with powerful personal transformation. She joins us to day and shares her inspiring journey from the early days of her insurance career to becoming a trusted leader and coach. We explore the importance of authenticity, self-awareness, and faith in building genuine relationships and impactful careers.In this episode:Emily's beginnings in New York City insurance and her rapid rise through different sectorsThe power of self-awareness in discovering your strength zoneHow authenticity and vulnerability foster real relationshipsNavigating confidence challenges and stage frightThe role of faith and core values in decision-makingBuilding a leadership brand that empowers women through The Blazer SocietyThe significance of having a coach and mentors (including John Maxwell) for growthStrategies for overcoming feeling overlooked or stuck in your careerHow inner work and community create resilience in uncertain marketsTimestamps: 00:00 - Welcome and introduction to Emily Morolla 02:08 - Emily's professional background and journey into insurance 04:33 - Early lessons from the insurance industry and career milestones  10:31 - The through line: Trust and relationship-building in insurance 12:20 - Balancing confidence, vulnerability, and industry norms 16:46 - Seasons in career and embracing change 122:28 - Faith as a guiding force in personal and professional life 25:33 - Authentic relationships and maintaining consistency 28:46 - Introducing The Blazer Society and empowering women leaders The motivation behind creating a space for growth and impact 33:21 - The power of personalized branding and leadership identity 36:57 - Overcoming stage fright and building presentation confidence  Resilience, storytelling, and embracing vulnerability 43:20 - Practical steps for those feeling stuck or overlooked and importance of coaching, environment, and community 45:32 - Final reflections and gratitude for genuine connectionResources & Links:The Blazer SocietyContact Emily ISC Group - Women Leaders in InsuranceSponsors of todays show Goli Nutrition Canopy Connect MAV

The Future of AI in Marketing & Insurance: Insights with Cameron LaboudiIn this week's episode, the Mayor Heath Shearon sits down with Cameron LiButti of BidView Marketing. These two dive into the transformative power of artificial intelligence in reshaping marketing strategies and customer engagement, particularly within the insurance industry. They explore practical advice and emerging trends, offering listeners insights on how to adapt and thrive in this rapidly evolving landscape. Explore how artificial intelligence is transforming marketing strategies, SEO, and customer engagement, especially within the insurance industry. Cameron Libutti shares practical advice, emerging trends, and how professionals can adapt to this rapidly evolving landscape.Key TopicsThe evolving role of AI commercials in Super Bowl marketing and industry impactsHow AI platforms like ChatGPT, Claude, and Gemini are changing search behaviorsThe importance of local community positioning over broad claimsDifferentiating your business through brand imagery and reviewsThe shift from traditional SEO to AI-focused citations and content strategiesTactical tips for small agencies on landing pages and content structureHow interest graph algorithms influence short-form and long-form contentThe emerging concept of GEO (Generative Engine Optimization) and AI rankingsPractical steps for professionals to optimize their presence in AI-driven searchesThe power of AI in rapid prototyping and business data intelligenceTimestamps00:00 - Welcome and episode overview: AI's impact on marketing and insurance 07:11 - Cameron's journey from engineering to marketing and digital strategy 12:22 - The importance of local community positioning in professional services 14:36 - Creative outreach ideas: giving away cookies to nurture leads 17:13 - How to position yourself as the best in your local market 18:04 - Using imagery and reviews to build trust and credibility 21:24 - The relevance of SEO in an AI-powered search landscape 22:51 - The disruptive influence of generative AI like ChatGPT on traditional search 26:11 - Tracking AI-driven leads and measuring success 28:22 - How local agencies can succeed with traditional SEO 35:41 - Navigating social media algorithms: long vs. short-form content 39:20 - Introduction to GEO: Generative AI engine optimization 40:11 - Understanding AI rankings and data personalization 42:31 - Practical steps for agencies to improve AI visibility  44:45 - Citation strategies across platforms and directories  48:25 - Cameron's AI soapbox: Power, capability, and rapid development in AI tools  53:11 - Closing remarks and contact info for Cameron LibuttiSponsors:Smart Choice Agency NetworkCanopy ConnectMAVConnect with Cameron LibuttiLinkedInTwitterEmail

This week in Insurance town the Mayor sits down with  Sarah Koolhof, a dynamic insurance professional whose journey spans theater, rugby, and underwriting. Discover how embracing discomfort and versatility has shaped her career and passion for relationship-driven insurance work. She has been with Commonwealth Undewriters for a dozen years and not going anywhere any time soon, She loves her team and her clients. I loved this conversation and I think you will too.In this episode:Sarah's unexpected transition from theater major to insurance underwriterHow rugby taught her resilience and the value of teamworkThe importance of building trust in E&S and surplus lines marketsNavigating industry changes over 12 years, especially in ENSStrategies for agency and carrier partnerships rooted in responsivenessInsights on managing industry burnout and maintaining mental healthPractical tips for agents choosing E&S brokers and understanding underwriting authorityThe culture of collaboration and relationship building at Commonwealth UnderwritersTimestamps:00:00 - Welcome and episode overview00:30 - Sarah's background: from theater to insurance02:00 - The role of rugby in building resilience and confidence04:30 - How her diverse experiences shape her industry perspective08:00 - Navigating industry changes and the evolution of E&S markets12:00 - Building trust in surplus lines and the importance of partnerships16:00 - Commonwealth Underwriters: location, services, and company culture20:00 - Response times, setting expectations, and fostering client relationships24:00 - Managing industry burnout and mental health awareness28:00 - Tips for agents on selecting E&S brokers and understanding underwriting terms33:00 - Partnering in the insurance ecosystem and the value of relationships36:00 - Final thoughts: embracing versatility, teamwork, and continuous learningResources & Links:Commonwealth UnderwritersSarah Kulhoff - LinkedInCanopy ConnectMAV Insurance PlatformConnect with Sarah:LinkedInEmail

In this episode, we are doing something a little different. Casey Nelson and I hosted an open call live one day and we called it the lazy river. WE wanted to invite people to "float in and hang out ad float out. Ive provided a few clips here for you guys to check out. WE will release the whole 2 hours some day soon... but for now this clip is about authentic leadership, engaging communication, and innovative work practices that can transform organizations. Whether you're speaking on stage, building relationships, or managing teams remotely, these insights provide practical strategies to lead with confidence.Key Topics:The importance of genuine interactions and how authenticity impacts leadership credibilityStrategies for modularizing content to adapt in dynamic speaking environmentsMemorable name drop stories and their impact on personal brandingTips for effective networking at high-profile events like Bill Gates's houseHow to test and engage audiences during keynote speechesThe role of diversity and gender dynamics in leadership credibilityFuture workplace trends: remote work, flexibility, and the four-day workweekLeveraging your unique strengths and circumstances to attract and retain talentPractical tips for transitioning from traditional to hybrid or virtual formatsTimestamps:00:00 - The value of authentic interactions and sharing personal stories02:24 - Memorable name drops and their role in networking04:41 - Insights from high-profile meet-and-greets and leadership impressions06:03 - Authenticity as a female CEO and gender dynamics in leadership08:28 - The power of candid panel discussions and last-minute updates09:28 - Modularizing content for impactful speaking engagements11:20 - Testing audience engagement in real-time during speeches12:50 - Perspectives on remote work, office culture, and flexibility14:45 - The future of work: four-day weeks and employee well-being16:20 - Strategies for small businesses to compete with large organizations17:13 - Wrapping up with humor and connecting through genuine communicationSPONSORS:Smart ChoiceCanopy ConnectMAV

In this weeks episode,  release my virtual course in Bob Dietrich and Pamela Dunn's virtual program AI in your Business that released this week. Hope you enjoy it. Let me know what you think... Sponsored by:Smart ChoiceCanopy ConnectMAV

In this week episode, Heath Shearon and Casey Nelson discuss the importance of standardizing processes in agencies, the impact of AI on business, and the potential societal reset from reducing screen time. They explore the challenges of implementing consistent procedures, the role of AI in modern companies, and the cultural shift towards more face-to-face interactions. The conversation also touches on the hypothetical scenario of shutting down the internet for six months and its potential effects on society. Additionally, they delve into personal anecdotes, the significance of setting goals, and the evolving landscape of the insurance industry.TakeawaysStandardizing processes is crucial for agency efficiency.AI is transforming business operations significantly.Reducing screen time could lead to a societal reset.Consistent procedures help in minimizing wasteful practices.Face-to-face interactions are becoming more valued.The internet shutdown could have profound societal effects.Agencies should focus on their most profitable clients.Building processes should involve employee input.AI tools can be both time-saving and time-consuming.Cultural shifts are moving towards more personal interactions.Setting personal goals can drive professional growth.Understanding industry trends is key to staying competitive.Chapters00:00:00 Introduction and Technical Issues00:01:00 Standardizing Processes in Agencies00:01:55 AI's Impact on Business00:15:55 Cultural Shifts and Screen Time00:20:19 Hypothetical Internet Shutdown00:25:00 Personal Goals and Anecdotes00:30:00 Insurance Industry TrendsSponsors:Smart ChoiceCanopy ConnectMAV

This week in Insurance Town I get to catch up with my old friend, and former colleague, Therese Potter of Envela. We have a fun conversation we get to catch up on what she has been up to all the hats she currently wears, from teaching Tai Chi to selling Insurance and everything in between, and she is able to do all that, because of the culture and technology over at Envela. Check it out, and let me know what ya think...Sponsors:Smart Choice-Go to Smartchoiceagents.com Canopy Connect- Usecanopy.com/heathMAV- Hiremav.comThank you for being a wonderful and loyal citizen of Insurance Town! I love you all! from the bottom of my heart I truly do, and I appreciate your support all these years!! 

In this episode of the Insurance Town Podcast, I sit down with Clint Houke for a wide ranging, high trust conversation to kick off the new year the right way. This is one of those talks that feels like two industry vets standing at the whiteboard, talking honestly about what is working, what is changing, and where the real opportunities are.Clint and I dig into the trends he is seeing across the insurance landscape, especially around MGAs and why they continue to play such a critical role in today's market. We talk about speed, specialization, and why MGAs are not just filling gaps, but actively shaping the future of distribution.From there,  how agencies, MGAs, and carriers can think about AI as a tool to enhance relationships, not replace them. The conversation then turns to Clint's newest chapter and his work with FAIR. We talk about what FAIR is building, why it matters, and how it is creating real opportunity in the insurance space. This is not just another product. It is a business model that opens up meaningful new revenue streams while staying aligned with transparency and customer experience.What stood out most in this conversation is Clint's perspective on timing. The industry is changing fast, but the fundamentals still matter. Relationships. Trust. Doing right by the client. FAIR feels like one of those companies that understands both sides of that equation.If you are an agency owner, producer, MGA leader, or anyone looking to add smart, sustainable growth to your business, this episode is worth your time.Pull up a chair, grab a cup of coffee, and join us in Insurance Town for a conversation about trends, technology, and finding opportunity in a changing market.Welcome back to town.Sponsors:Smart Choice- the Fastest growing agency Network hands downMAV- Ditch the Call center and Hire Mav the AI solution to engaging your clients Canopy Connect - The One Click Solution to getting dec pages you need to quote your clients. 

HAPPY NEW YEAR!! Thank you so much for yet another amazing year in Insurance Town!! This weeks episode is a little different, No Guest. This week i am releasing one of my keynote presentations from a conference I spoke at this year, IIANC, thank you to my friend AUBE KNIGHT and his amazing staff in North Carolina for hosting me and helping me to learn and grow in a big way!! THAT CONFERENCE HAD a major impact on my life personally and Professionally!! This is my keynote, OUT OF SERVICE, I hope you enjoy! SponsorsSmart ChoiceCanopy Connect MAV

In this episode of Insurance Town, the Mayor sits down with Brian Ahearn to unpack the difference between social media influence and true leadership influence, while also sharing a meaningful conversation around faith, family, and the responsibility that comes with leading well. Brian reflects on how becoming a grandfather has reshaped how he thinks about legacy, humility, and the kind of influence that truly matters, both at home and in leadership.The conversation also dives into Brian's new book, Influenced From Above, a business parable that blends leadership principles with faith driven purpose. Together, Brian and the Mayor discuss what it means to be influenced from above in their own lives, leading with empathy, serving others, and aligning values with action. The takeaway is clear: real influence is not about getting people to say yes, but about building trust, relationships, and a legacy that lasts.Key TakeawaysWhy social media influence is not the same as true leadershipHow faith and family shape the way leaders influence othersLessons from Influenced From Above on humility and serviceWhy empathy and trust are the foundation of lasting leadershipSponsorsSmart Choice – The fastest growing agency network hand down, no fees, higher commissions, lower premium thredhholdCanopy Connect – A one click solution to getting dec pages to quote your prospect and now they have intake platofrmMAV – Ditch the call center and hire MAV, the AI powered text messaging agent to qualify, quote& connect your prospects to your producers

In this episode of Insurance Town, host Heath Shearon welcomes Van Carlson to discuss the evolution of risk management and the importance of self-insuring for businesses. They explore the 831B tax code, its history, and its application in modern business risk management. Van shares insights from his career in the insurance industry, highlighting the challenges and opportunities in self-insuring and the role of traditional insurance. The conversation also touches on the impact of economic downturns and the need for innovative risk management solutions.TakeawaysVan Carlson emphasizes the importance of self-insuring for businesses.The 831B tax code offers a way to manage business risks effectively.Traditional insurance may not cover all business risks.Economic downturns highlight the need for innovative risk management.Van Carlson shares his journey in the insurance industry.Self-insuring can provide financial stability for businesses.The conversation explores the history and application of the 831B tax code.Van Carlson discusses the challenges of transitioning from traditional insurance.Heath Shearon highlights the role of education in risk management.The episode provides insights into modern business risk management strategies.Sound bites"Self-insuring is the future of business risk management.""The 831B tax code is a game changer.""Traditional insurance doesn't cover all risks.""Economic downturns demand innovative solutions.""Education is key in managing business risks.""Self-insuring provides financial stability.""The 831B code offers unique advantages.""Transitioning from traditional insurance is challenging.""Risk management requires continuous learning.""Modern businesses need modern risk solutions."Chapters00:00:00 Introduction and Sponsorship00:00:00 Van Carlson's Background00:00:00 The 831B Tax Code Explained00:00:00 Challenges in Traditional Insurance00:00:01 Innovative Risk Management Solutions00:00:01 The Future of Business Risk ManagementSponsors:Smart Choice Canopy Connect MAV

In this weeks episode I sit down with Dylan Dimarchi of Eventual to talk about A product that is super cool 

In this engaging conversation, Heath Shearon and Alex Rodov explore the vibrant culture of Toronto, the evolution of technology and quality assurance, and the critical role of testing in the insurance industry. Alex shares his journey from humble beginnings to becoming a leader in the tech space, emphasizing the importance of methodology and the pressures faced in quality assurance. They discuss the challenges of trusting technology, the significance of consumer education, and the future of QA technology, including Alex's new book on testing.TakeawaysGrowing up in Toronto inspired Alex's passion for technology.Quality assurance has evolved significantly over the years.Pressure in QA is a constant, especially in critical industries.Methodology is essential for effective software testing.Consumer education is vital for understanding technology's reliability.The insurance industry heavily relies on quality assurance processes.Alex's book aims to educate consumers about testing.Investing in QA technology is crucial for future advancements.Chapters00:00 Exploring Toronto: A Cultural Hub06:03 The Evolution of Quality Assurance in Tech13:48 The Importance of Methodology in QA22:02 The Role of QA in the Insurance Industry30:12 Investing in the Future of QA TechnologySponsors:Smart Choice- the fastest growing agency network hands down Canopy Connect- your 1 click solution for all things dec pages, intake platforms etc MAV- the AI-powered insurance expert that engages unlimited leads with text messaging 

in this weeks episode I sat down with my good friend Poppy Danker and have a blast talking about this small down agency and how she has just exploded in growth using social media. Yes you heard that right. Its wild to see!! Ive been watching this agency since the beginning from 500 followers to now over 25k followers and viral videos and the whole thing. its so fun. You just gotta hear this one ...sponsored by :Smart Choice Canopy Connect MAV

This week in Insurance Town I sat down with my friend Evan Smith of Mav. We had an incredible conversation about growing your sales with leads and building an inside sales team . We discussed the importance of recognizing that you have to have a vision and a plan before working with leads and not try to scale too quickly We discussed the idea of there is no “bad lead” and what that means. We discover ways to write any lead . The numbers game that is leads and why MAV is THE go to for scaling and growing you business with online leads. Check this one out and hear his three pillars of working with leads successfully. And so much more Sponsors:Smart Choice® the fastest growing agency network hands down and now with 11,000 agencies across the country Canopy Connect -THE one click solution to getting the dec pages you need to quote your prospects and get loss runs and driver lists , and vehicle lists and , and and… check it outActivate to view larger image,

 In this episode of the Insurance Town Podcast, Heath Shearon hosts Christopher Frankland to discuss the intersection of technology and insurance, focusing on AI's impact on the industry. They explore the concept of the 'bionic agent,' the role of AI in transforming insurance processes, and the future of human interaction in a tech-driven world. The conversation also touches on personal anecdotes, the importance of adapting to technological changes, and the potential for AI to enhance customer experiences.Takeaways:AI is transforming the insurance industry by automating processes and enhancing customer experiences.The concept of the 'bionic agent' combines human expertise with AI technology.Adapting to technological changes is crucial for staying relevant in the industry.AI is no longer just a buzzword; it's a fundamental shift in how we work.The insurance industry is fragmented, with varying levels of AI adoption.Human interaction remains essential, even as automation increases.AI can help solve real problems and tackle industry challenges.The future of insurance involves a blend of technology and human touch.AI's role in insurance is evolving, with potential for real-time risk assessment.Education and upskilling are vital for embracing AI in the industry.Sound Bites:AI is transforming insurance.The bionic agent is the future.Adapt to tech changes or fall behind.AI is a fundamental shift.Human interaction is still key.AI solves real industry problems.The future blends tech and human touch.Real-time risk assessment is coming.Education is key for AI adoption.AI is beyond just a buzzword.Chapters:00:00:00 Introduction and Guest Introduction00:00:00 AI's Impact on Insurance00:00:01 The Bionic Agent Concept00:00:02 Adapting to Technological Changes00:00:03 Future of Human Interaction in InsuranceSponsors:Smart Choice Agents Program- the fastest growing agency network hands down. Canopy Connect: Your one click solution for getting everything you need to quote your prospects 

This is an episode recorded at the PIA VADC conference in Virginia Beach with my man Byron Roberts.  It is a fast, on-the-ground conversation about how Openly built for independent agents, why speed still matters, and how data is shifting from rearview mirror to windshield. Quick recapOpenly's origin story is agent-first. Founders Ty Harris and Matt Duffy asked agents what they actually needed, then shipped a three-question quote experience built to find “diamonds in the rough,” not write everything in sight. The company doubled down on listening loops like ACE, its Agency Council of Excellence, to sanity-check product decisions, fix friction fast, and keep writing business during a stubborn hard market. They are rolling into PL Rating in key states to cut keystrokes, and they see the next frontier as forward-looking data that helps carriers price for tomorrow's weather, not yesterday's. Key takeawaysBuilt by and for independent agents, not DTC. Choice and counsel are the strategy. Three inputs to quote, then verify details to bind accurately and quickly. Think seconds, not hours. ACE council gives Openly real-time agent feedback and a promise to report back on changes. Smart underwriting beats growth at any cost. Openly tightens or tweaks instead of pulling out. PL Rating integrations are in motion to reduce double entry and speed comparisons. Data is shifting from historical to predictive. Actuaries need “crystal balls,” not just rearview mirrors. Notable quotes“Tell me I can't, I'll show you I will.” Byron on persistence. “Three questions, name, date of birth, and address. We can get it.” On the quoting thesis. “We're staying open for these agencies. We don't tighten everything down or pull out.” On disciplined appetite. “We used to look at historical data. Now we need crystal balls.” On forward-looking pricing. Sponsor Smart Choice- The fastest growing insurance network, with 10,000 agencies, 11 billion in written premium written its incredibleCanopy Connect- your 1 click solution to getting the deck pages you need to quote your prospects. 

In this weeks episode, the mayor sits down with his good friend Tinsley English to discuss her latest book titled Grit, Growth & Gumption. But this episode is way beyond that we discuss being a leader in this service industry. We discuss the challenges, the customer service, reps face, the challenges that managers face.We also discuss accepting God's calling in your life no matter how difficult that might be, or scary that might be. This episode is a really really good one. I couldn't do this show without my amazing sponsors Smart Choice – the fastest growing agency network hands-down. With over 10,000 agencies across the country, trusting them and over 11 billion written premiumCanopy connect – you're one click solution to getting the deck pages you need to quote your prospects

Investment director Mandeep Saini looks at the world of property and casualty insurance. #CapGroupGlobal For our latest insights, practice management ideas and more, subscribe to Capital Ideas at getcapitalideas.com. If you're based outside of the U.S., visit capitalgroup.com for Capital Group insights.  Watch our latest podcast, Conversations with Mike Gitlin, on YouTube: https://bit.ly/CG-Gitlin-playlist  This content is published by Capital Client Group, Inc.   U.K. investors can view a glossary of technical terms here: https://bit.ly/49rdcFq  To stay informed, follow us  LinkedIn: https://www.linkedin.com/company/capital-group/posts/?feedView=all YouTube: https://www.youtube.com/@CapitalGroup/videos Follow Mike Gitlin: https://www.linkedin.com/in/mikegitlin/  About Capital Group  Capital Group was established in 1931 in Los Angeles, California, with the mission to improve people's lives through successful investing. With our clients at the core of everything we do, we offer carefully researched products and services to help them achieve their financial goals.  Learn more: capitalgroup.com  Join us: capitalgroup.com/about-us/careers.html  Copyright ©2025 Capital Group