Podcasts about Insurance

In this episode of Scouting for Growth, Sabine VanderLinden welcomes Gil Arazi—a serial entrepreneur, executive, and leading insurtech investor—to explore the urgent transformation taking place in insurance. Gil Arazi argues that the industry's traditional role of simply paying claims post-loss is outdated and that prevention is the new north star for sustainable growth. Their conversation dives into why insurance must shift from risk transfer to risk mitigation, what the future holds as data, AI, and even quantum computing disrupt business models, and how prevention can actually drive profit—not just avoid cost. Gil Arazi introduces The Spark, a not-for-profit initiative designed to help insurers decrease systemic risk and increase societal resilience through practical collaboration, not empty innovation theater. KEY TAKEAWAYS Reflecting on my conversation with Gil Arazi, several themes truly stood out, affirming both the urgency and opportunity for true transformation across insurance.  First, it's clear that insurance cannot remain content with its legacy of paying claims post-loss. We are entering an era where prevention, not just remediation, is imperative—technological advancements, from AI to quantum computing, now offer insurers the tools to anticipate and prevent systemic risks, fundamentally altering their value to customers and society. The model must evolve from chasing losses to proactively reducing risk, and this shift is not just about cost efficiency, but empowering profitable growth through enhanced customer retention and relevance. In building The Spark as a nonprofit prevention lab, Gil Arazi emphasized a collective responsibility: by leveraging data, domain expertise, and increasingly mature technology, we—insurers, partners, and innovators—can bridge the protection gap and act as genuine “protection architects.” This vision requires us to move beyond innovation theater and toward real operational enablement, where execution trumps experimentation. The challenge, however, is not just technological—it is cultural and emotional. Building trust across competitors demands we fall in love with solving the problem, not just owning the solution. Clear boundaries and shared vulnerabilities create the foundation for meaningful collaboration on the risks no single entity can control alone. BEST MOMENTS “The insurance industry needs to move from reacting to the claim ... to proactive prevention of this damage or systemic risk.”  “The only way insurance can be actually successful and sustainably profitable is by being biased.”  “Technology will predict risk, but humans will decide what to do with it. Algorithms are very good at probability, but they're terrible at responsibility.”  “Do something good for humanity and for yourself. If you can't measure your impact by the loss that never happened, you're just optimizing the decline.”  “The real revolution isn't technological anymore. It is emotional, it is behavioral, and it is strategic.”  ABOUT THE GUEST Gil Arazi is recognized as an insurance industry disruptor and visionary. He's the founder and managing partner of Fintlv Venture Capital—a top insurtech VC fund with close to $1 billion invested globally—and the founder of The Spark, a purpose-driven, not-for-profit global prevention lab.  With a career spanning nearly 30 years, including executive leadership, board roles, and serial entrepreneurship in insurance, Gil Arazi has first-hand insight into the industry's pain points and future opportunities. His work focuses on shifting insurance from loss-payout to loss-prevention, leveraging technology and collaboration to build resilience and drive growth. LinkedIn ABOUT THE HOST Sabine VanderLinden is a corporate strategist turned entrepreneur and the CEO of Alchemy Crew Ventures. She leads venture-client labs that help Fortune 500 companies adopt and scale cutting-edge technologies from global tech ventures. A builder of accelerators, investor, and co-editor of the bestseller The INSURTECH Book, Sabine is known for asking the uncomfortable questions—about AI governance, risk, and trust. On Scouting for Growth, she decodes how real growth happens—where capital, collaboration, and courage meet. If this episode sparked your thinking, follow Sabine VanderLinden on LinkedIn, Twitter, and Instagram for more insights. And if you're interested in sponsoring the podcast, reach out to the team at hello@alchemycrew.ventures

Pool Pros text questions hereIn this episode of the Talking Pools podcast, host Steve Sherwood and guest Pat Grenon discuss various aspects of pool services, including subcontracting, insurance considerations, the importance of technology in efficiency, pricing strategies, and the significance of proper testing and chemical management in pool maintenance. They emphasize the need for pool professionals to adapt to changing market conditions and to ensure they are providing quality service while maintaining profitability.takeawaysSubcontracting can enhance service quality and efficiency.Being added as an additional insured protects your business.Utilizing technology like Google Earth can save time and money.Regularly review and adjust pricing to reflect rising costs.Understanding pool size and chemical needs is crucial for profitability.Testing water quality accurately is essential for client satisfaction.Maintaining clear communication with clients can prevent misunderstandings.Investing in robotic vacuums can improve service quality.Tracking profit and loss helps identify unprofitable clients.Continuous education and adaptation are key in the pool service industry.titlesNavigating the Pool Service IndustrySubcontracting: A Key to EfficiencySound Bites"It's a protective mechanism.""Time and money, right?""You need to track your profit and loss."Chapters00:00Introduction to Pool Business Insights02:22Navigating Subcontractor Relationships08:38Understanding Insurance and Liability12:45Maximizing Efficiency with Technology26:31Pricing Strategies and Cost Management33:02Chemical Management and Testing Best Practices LaMotte CompanyLaMotte Company is a leading manufacturer of water quality testing products & pool test kitsCalifornia Pool AssociationPool Industry Trade OrganizationCMAHCThe Council for the Model Aquatic Health Code promotes health & safety at public swimming poolsDisclaimer: This post contains affiliate links. If you make a purchase, I may receive a commission at no extra cost to you.Support the showThank you so much for listening! You can find us on social media: Facebook Instagram Tik Tok Email us: talkingpools@gmail.com

In this episode of the Less Insurance Dependence Podcast, Naren Arulrajah and Don Adeesha discuss why traditional practice growth strategies like word of mouth referrals and insurance-based patient flow are no longer enough in today's competitive dental landscape. They explore how insurance dependence often conditions patients to expect minimal or "free" dentistry, limiting both profitability and clinical fulfillment. The conversation highlights how modern referrals now happen online through Google reviews, SEO visibility, and digital trust signals. Naren shares why marketing is not about replacing referrals, but about becoming the practice patients can easily find, trust, and choose. If you are ready to attract ideal patients, reduce PPO reliance, and grow with intention, this episode offers practical insights and a clear path forward. Book your free marketing strategy meeting with Ekwa at your convenience. Plus, at the end of the session, get a free analysis report to find out where your practice stands online. It's our gift to you! https://www.lessinsurancedependence.com/marketing-strategy-meeting/   If you're looking to boost your case acceptance rates and enhance patient communication, you can schedule a Coaching Strategy Meeting with Gary Takacs. With his experience in helping practices thrive, Gary will work with you on personalized coaching, ensuring you and your team are prepared to present treatment plans confidently, offer financing options, and communicate the value of essential dental services. https://thrivingdentist.com/csm

Insurance agencies don't just need more people — they need smarter operations. In this episode of Insurance Shoptalk, Eric Stein sits down with Travis MacMillian of Xceedance to unpack how automation, AI, and strategic back-office support can completely transform the way property & casualty agencies operate. From policy checking and COI management to remarketing, loss runs, endorsements, accounting reconciliation, and even claims coordination — Travis explains how agencies can eliminate repetitive portal work, reduce manual data entry, and create 30%+ more operational capacity without stacking on more headcount. This isn't about replacing people. It's about removing friction — so principals can put more in their pocket, pay producers and CSRs more, and build a modern digital footprint that supports real growth. If you're tired of adding bodies just to keep up with volume, this conversation will shift your thinking. #InsuranceShopTalk #AgencyAutomation #InsurTech #InsuranceOperations #AgencyGrowth #DigitalInsurance #PAndC New boost

You ever try to snowboard while claiming a bad back? No? Good. Because apparently insurance companies are out here hiring private investigators to follow you to the grocery store and check your TikTok for “too active” behavior. We kicked things off today with a deep dive into the wild world of insurance claim surveillance — including a viral PI who caught a guy shredding a mountain while supposedly injured. Moral of the story: if you're gonna commit fraud… maybe don't hit the halfpipe.From there, we spiraled (as we do) into workplace comp horror stories, gorilla courtroom pranks that may or may not be real, and why oversharing on social media is basically volunteering to lose your case. It's education. It's cautionary. It's chaotic. It's the kind of thing only a daily comedy show like this can turn into group therapy with punchlines.Then in Crap On Celebrities:Dee Snider assures everyone he's NOT dying (we promise, he said it).Shia LaBeouf goes full Mardi Gras meltdown. Again.Cardi B announces she's “taking some out.” Yes, that's exactly what you think it means.Dr. Dre turns 61 and we celebrate with bangers that defined a generation.We also debate weird “favorite bands” (if your favorite band is Dishwalla, we need to talk), question cinematic universe crossovers, and somehow end up discussing Yoko Ono screaming at Chuck Berry. As one does.And then — the chaos crescendo:

Brian and I got into what it really takes to make progress when you're stuck in a job, a business, or a mindset that's not working. We talked about how people overanalyze and under-execute, why momentum matters more than motivation, and the mindset shifts that helped me stop chasing the perfect idea and start stacking wins. I shared the story of how I built my early businesses, how I tested ideas without overcommitting, and how you can take control of your career path by doing common things uncommonly well. This one is for anyone who feels like they're waiting for permission to start. Grow your business:   https://sweatystartup.com/events   Book:   https://www.amazon.com/Sweaty-Startup-Doing-Boring-Things/dp/006338762X     Newsletter:   https://www.nickhuber.com/newsletter     My Companies:   Offshore recruiting – https://somewhere.com   Cost segregation – https://recostseg.com   Self storage – https://boltstorage.com   RE development – http://www.boltbuilders.com   Brokerage – https://nickhuber.com   Paid ads – https://adrhino.com   SEO – https://boldseo.com   Insurance – https://titanrisk.com   Pest control – https://spidexx.com     Sell a business:   http://nickhuber.com/sell     Buy a business:   https://www.nickhuber.com/buy     Invest with me:   http://nickhuber.com/invest     Social Profiles:   X – https://www.x.com/sweatystartup   Instagram – https://www.instagram.com/sweatystartup   TikTok – https://www.tiktok.com/404?fromUrl=/sweatystartup   LinkedIn – https://www.linkedin.com/in/sweatystartup     Podcasts:   The Sweaty Startup & The Nick Huber Show   https://open.spotify.com/show/7L5zQxijU81xq4SbVYNs81     Free PDF – How to analyze a self-storage deal:   https://sweatystartup.ck.page/79046c9b03  

What if the reason you struggle with time management isn't a lack of discipline, but biology? In this episode, Paul sits down with Dr. Cody, chiropractor and creator of the Loop Timer, to explore the surprising science behind how humans perceive time. The conversation dives into neuroscience, psychology, productivity, and practical strategies you can use immediately to reduce stress, improve focus, and get more done without burnout. You'll learn why humans don't actually have a "sensory organ" for time, how our brains rely on external cues to understand duration, and why visual timers and progress indicators can dramatically change how you work and live. Learn more about the Loop Timer: https://looptimer.com/   --- Timestamps: 00:00 — Welcome & Episode Intro 01:30 — Meet Dr. Cody & The Loop Timer Origin 05:00 — Why Humans Don't Have a Sense of Time 08:00 — Visual Progress Bars & Time Awareness 12:00 — Time Perception Experiments & Casino Psychology 14:30 — The 90-Minute Productivity Rule 18:00 — ADHD, Neurodivergence & Cognitive Load 22:30 — Practical Time Management Tips   --- This Material is Intended for General Public Use. By providing this material, we are not undertaking to provide investment advice for any specific individual or situation, or to otherwise act in a fiduciary capacity. Please contact one of our financial professionals for guidance and information specific to your individual situation. Sound Financial Inc. dba Sound Financial Group is a registered investment adviser. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and, unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance. Insurance products and services are offered and sold through Sound Financial Inc. dba Sound Financial Group and individually licensed and appointed agents in all appropriate jurisdictions. This podcast is meant for general informational purposes and is not to be construed as tax, legal, or investment advice. You should consult a financial professional regarding your individual situation. Guest speakers are not affiliated with Sound Financial Inc. dba Sound Financial Group unless otherwise stated, and their opinions are their own. Opinions, estimates, forecasts, and statements of financial market trends are based on current market conditions and are subject to change without notice. Past performance is not a guarantee of future results.

Insurance is not glamorous. It is paperwork, premiums, and conversations most nonprofit leaders would rather avoid.But if you run a nonprofit long enough, you learn a hard truth.The moment you need insurance is the moment it is too late to start thinking about it.In this episode of the Charity Charge Show, host Stephen Garten sits down with Pamela Davis, Founder and CEO of the Nonprofit Insurance Alliance, a nonprofit insurer that serves roughly 26,000 to 27,000 nonprofits across California and 32 additional states. Pamela shares how a graduate school thesis turned into a 35 year mission, why traditional insurance markets fail nonprofits, and what new and small organizations need to know before a claim ever happens.Episode highlightsPamela Davis is the founder and CEO of the Nonprofit Insurance Alliance, a group of two nonprofit insurers built specifically to serve 501(c)(3)s. One entity insures nonprofits in California and the other insures nonprofits in 32 other states.Together, the organizations serve about 26,000 to 27,000 nonprofits and have grown to roughly $1 billion in assets.Stephen and Pamela also dig into the practical side of nonprofit coverage, what to buy first, how underwriting works for small budgets, and why advocacy has become a crucial part of keeping the nonprofit sector insurable.

Roma Pithadiya is the President and Chief Executive Officer of Affordable Insurance and Financial Services (AIFS), a financial services and insurance advisory firm based in the Dallas–Fort Worth area of Texas. She is a seasoned financial professional and entrepreneur with extensive experience in insurance, financial planning, and wealth protection.Roma immigrated to the United States with limited resources and has built her career from the ground up, becoming a respected advisor to individuals, families, and small businesses in matters of health insurance, life insurance, auto and home protection, and long-term financial planning. She has been active in the financial services industry for well over a decade and is known for her deep commitment to client education and advocacy.She is also recognized as a Million Dollar Immigrant, a title reflecting her journey from starting penniless in the U.S. to achieving significant success in the insurance and financial advisory business.In addition to her executive role, Roma engages heavily in community service: she is active with the Lions Club, participates in senior citizen organizations, and serves on committees for cultural and religious groups. She frequently speaks on financial literacy and planning topics at national stages, including events hosted by CNN, the Harvard Club of Boston, New York Life, Nasdaq, and the MDRT (Million Dollar Round Table).Her expertise spans health insurance (including Medicare and individual policies), life and annuity products, retirement planning, and strategies for tax-efficient financial growth. Roma also works to empower clients to manage their finances wisely and protect their financial futures with well-structured, personalized solutions.Learn more: https://aifsgroupbyroma.com/Roma Pithadiya is not an attorney or CPA. Affordable Insurance and Financial Services does not provide legal or tax advice. Any discussion of financial strategies is general in nature and not a recommendation. Insurance and financial products involve risk and may not be suitable for all individuals. Licensing and availability vary by state.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/roma-pithadiya-president-and-ceo-of-affordable-insurance-and-financial-services-discussing-managing-risk-in-retirement

Brent Daniels breaks down the essential real estate rules that help investors build wealth, no matter the market conditions. Perfect for real estate professionals and entrepreneurs, these strategies reveal how to capitalize on the current market, spot opportunities, and turn even ugly properties into profitable investments.Learn the 10 golden rules that can set you on a millionaire path in real estate now! And don't forget to join the TTP Training Program for more.---------Show notes:(0:55) Beginning of today's episode(4:40) The 10 golden rules(4:44) Just because you can doesn't mean you should(6:50) Go for the red hotel(7:55) Recognizing potential (15:22) Uglier the houses the bigger the checks(19:37) PITI (Principal, Interest, Taxes, Insurance) (21:55) You make money when you buy (25:50) Conversations and Offers----------Resources:Rich Dad Poor Dad by Robert KiyosakiCashflow Quadrant by Robert KiyosakiTo speak with Brent or one of our other expert coaches call (281) 835-4201 or schedule your free discovery call here to learn about our mentorship programs and become part of the TribeGo to Wholesalingincgroup.com to become part of one of the fastest growing Facebook communities in the Wholesaling space. Get all of your burning Wholesaling questions answered, gain access to JV partnerships, and connect with other "success minded" Rhinos in the community.It's 100% free to join. The opportunities in this community are endless, what are you waiting for?

A practice won't truly thrive until its team members are aligned and attached to your company's purpose. Tiff and Kristy go into what it takes to gain collective buy-in from those who keep your practice humming, including being reminded of fundamental desires, embracing vulnerability, understanding motivators, and a ton more. Episode resources: Subscribe to The Dental A-Team podcast Schedule a Practice Assessment Leave us a review Transcript: The Dental A Team (00:00) Hello, Dental A Team listeners. I'm so excited for you to be here today. You know, I'm   always excited. I love podcasting. I have loved doing this over the course of all of the years that Kiera and I have been putting these out. They are so much fun. It is so cool to reach you guys and it is amazing to get the time in with our consultants. And I'm bringing her live to you, well not live, I guess. It's live for me. It's recorded for you. But I'm bringing her all this month for you because...   We just busted them out in one day, if I'm honest with you, Kristy. Thank you for being here. Thank you for blocking your afternoon for podcasting with me. And I'm excited for this topic. How are you and how excited are you for this topic?   The Dental A Team (00:41) Excited and I'm doing well. It's not 49 degrees in the morning. It's actually 71 here Oh 72 now, so know that's a little chilly to us, but I'm excited the sun's shining and We get our time together. So I'm excited   The Dental A Team (00:49) ⁓   That's fair. I love walks and I was doing morning walks until like mid December and I was like, I can't, I don't know if it's because I'm an Arizona girl or if it's because I have, you know, thyroid stuff and Hashimoto's, but that chill, as soon as it hits my body, I'm done for. You don't want to be around me. You don't want to know me. And so I have not been going outside in the morning nor later in the evening because that Arizona desert does something   different when that sun goes down. So very happy to hear 71. Those are my, I really, think my sweet spot is like 73 to 76. That's my ideal. So if we can find a place that's always 73 to 76, I say we jet. That's where we're going. We just stay there.   So I love this topic today because, I mean, I love every topic we go through, because you tend to really spin it for me and make everything fun. ⁓ But I love the emotional side of life and the buy-in side, and today really talking about how to get teams bought into your big why. And I like that because I love purpose. I like everyone to have a purpose. And I think when a practice owner   knows what they're after, they have their purpose, it allows the team to then see their purpose within that that why within the owner's purpose. And we actually talked about this a little bit. Now that I say that, it's like I've repeated that we talked about this at the Mastermind in September. And it was actually fun. Anyone who was there will hopefully remember maybe recap will remind you. But Kira was talking we were talking about   writing their why's like what are they doing? What's their purpose? And Kiera spoke about hers and it was really really emotional because Kiera and I get emotional   it was fun to see for her how her   purpose and her why came to life when she spoke about it because I think it morphed a little bit as she was saying it but then it was really fun because she was able to see how my purpose   is fulfilled within her purpose in that I think for owners, it's scary to think that your team has a drive or a why or a want, and it can feel like everyone wants to be an entrepreneur. And if they have their own thing, they're gonna leave. And some of them will, that will happen. I've seen, I had a practice.   The Dental A Team (03:34) Hmm.   The Dental A Team (03:39) She was there in September. She'll remember, she'll know exactly what I'm talking about. I had a practice, I went, we did a stellar meeting. ⁓ it was so much fun. So much fun. She has the best practice, she has the best why. She's just an incredible human. Two days later, ⁓ she had a team member quit because she wanted to open up her own business and she wanted to do hair. And the inspiration from talking about why's and talking about what are we doing with our lives.   prompted her to quit and start a hair salon. She just, I was like, I am sorry and not sorry at the same time. So it can happen. And I think that's the fear for a lot of people. But watching Kira open up and then watching Kira get so emotional over how my why and my purpose is fulfilled within what I do, within my position.   The Dental A Team (04:15) Yeah.   The Dental A Team (04:33) it was like something morphed and changed for her and we all got to see it as like this butterfly effect. But I say that because I can't, I can have my own purpose and my own why, we all do. But when you can see how it aligns with the company that you're working with and how you can serve your purpose and your why within the job that you're in, that's really cool. And I think Kristy, for me at least,   personally as a team member, that helps keep me tethered to the job. Because if I don't know what the why is, where we're going, what are we growing for, why are we tracking these numbers, like what's the big deal, and I just wanna help people, I'm gonna move on until I find my place. And the find your place is being in alignment and being attached to the purpose that your company is serving and driving.   And that was a really long-winded way of introducing the topic. But I thought as soon as I said those things, I was like, oh my gosh, the September event. And so I hope all the doctors listening who were at the September event remember, because it was a really magical time for Dental A Team. And for those of you coming to future events, just buckle up, because there's always something really cool attached. But Kristy, passing the mic over to you, what are your thoughts? And really gaining team member buy-in, what do you?   What did I prompt for you in all of those words I just spewed?   The Dental A Team (06:02) Yeah. Yeah, and   all those words.   Tiff,   I know we were talking numbers earlier, so hopefully they were listening to that too, but the numbers are our gauge, but the buy-in has to be emotional. It's gotta be vulnerable and it's gotta go back to why you do what you do. Like, why'd you get into dentistry? And doctors why maybe, I mean, you said it, doctors why may be different than team members, but.   I venture to say almost every one of us that got into dentistry have some sort of passion for caring, you know? And we gotta get back to the root of that. And we even talked about ⁓ finances and getting to the emotional why. It's no different. If you want our teams to be bought in, you've gotta get to your emotional why. And you doctors have to be the North Star in that.   You can have leadership teams, right? But they've got to be very clear on the why. And it doesn't mean that our direction won't change, because it could change. But that intentional, why do you do what you do? Why do you wake up and get out of bed? We have to identify that.   The Dental A Team (07:17) I love that. You're spot on. And something shifts and changes, I think, for a person when they key in on that. And it's not just going with the motions. We can go through the motions in life very easily. And I think you finish high school and you go to undergrad and you go to school and you go to whatever. You go through dental school. You become a dentist. You do the thing and then you buy the practice. And it's like you get there and you're like, why did I do all that?   Right? They forget. They forget why they did the thing. And I listened to a Simon Sinek thing not too long ago. Well, you know, I love listening to him, his speeches. But one thing that he's been able to key in on for purpose is going back to your high school self. Because in high school really is when we decided what we wanted to do and we tagged it to a work.   like to a physical thing, like what is the job we're going to hold? But somewhere in there, our high school self wanted to serve a purpose and we attached the job to that purpose. So if we can kind of think back to our high school self and really think what did we love? What inspired us? What did we like doing? Where did we feel the most fulfilled and satisfied at that age?   that helps figure out what it was that you're intending to do in life. What is that purpose? Because the purpose isn't, this might rock a few of you, the purpose isn't to do the best dentistry in Kentucky and have smiles that last forever. That's not why you're here. You were not put on this earth to.   Do fillings you might be doing fillings, but that's the actionable piece. That's the what? but what's the why and We actually Kristy shared this recently with a client and Really like I feel like this kind of work on your purpose your your emotionally driven purpose is What can? re-inspire dentists   who might feel like they don't know what they're doing anymore. Why am I even here? Why did I become a dentist? Or teams that are like, what are we doing? Why are we pushing? What are we even after? But that emotionally driven why you can see where in your purpose, the what that you're doing, the job that you're doing, might be satisfying and fulfilling that space.   The Dental A Team (10:05) Wow, that was big. And yeah, you're absolutely right. We just went through this exercise and when you start feeling burnt out, it's great time to go back and revisit that why to reignite that fire and remember why you're doing it because you are going to go through the ebb and flow and the hard times to get there. But when you can let that be your burning desire in your gut, the rest of it's going to fall back into place. Yeah.   The Dental A Team (10:33) Yeah, yeah.   Thank you. I love all of this work. It's part of like who I am as a human is to help people figure out the inspiration that makes them love what they do every day. That is what I said in September. is my purpose is to inspire people to love what they do in life. So this stuff lights me up. Like I know I'm in my purpose when I get to talk about this stuff. So that's very easy. But how do you   Once we key in on that, Kristy, how do you suggest or coach doctors in sharing that with the team? Because it is incredibly vulnerable, especially when you figure out that your purpose has nothing to do with dentistry. Dentistry is the engine behind the purpose, a lot of, we talked about this earlier too, a lot of people are afraid to share those kinds of things. They're afraid to share the numbers, they're afraid to...   The Dental A Team (11:13) it is.   The Dental A Team (11:27) It's scary to be vulnerable and it's scary, it can be scary to inspire a team to want their own purposes too, again, because you don't, you're like scared they're gonna leave or go start a hair salon. But what do you, how do you coach them on that and how to be vulnerable?   The Dental A Team (11:46) Yeah. Well, I think it's funny that you said the hair salon, first of all, because that person can be a great referral source back to the practice. So it might not be all bad. That too. Yeah. And with that being said, it is vulnerable. And what's coming to my mind is how many times do   The Dental A Team (11:50) I do too.   That's fair. I was thinking that was the opposite of you. ⁓   The Dental A Team (12:11) And again, doctors, I'm not trying to pick on you, but how many times do they come to us and say, they're just here for a paycheck?   The Dental A Team (12:18) Mm. All the time.   The Dental A Team (12:21) And maybe we shouldn't make that wrong.   The Dental A Team (12:24) Yeah, I say   that. ⁓ my gosh, yes, drop the mic. I say that all the time. We are here for a paycheck. We have to pay our bills.   The Dental A Team (12:28) Yeah.   Yeah, and doctors paying something too, which means I think my soft spot goes back to sometimes doctors are afraid to say they're doing this for a quality of life or a legacy of life that they're going to leave and it is tied to money. And I don't think we need to be shameful of that anymore. I truly don't. And I think we need to give permission because even if I am here for a paycheck, that doesn't mean I'm going to serve differently. Right.   ⁓ It's okay and let that be the motivator because if they're getting that, they may serve even better.   The Dental A Team (13:13) Yeah, yeah, and you made me think of to speak to all the team members who are listening. For me, when I hear that somebody wants to a legacy or a legacy dental practice where their kids, if they decide to be dentists, can come be dentists, like this lifestyle, I want this lifestyle for my family. Well, I'm helping serve that I'm helping provide that. And in turn,   I'm also growing. I'm also reaping benefits of them succeeding. So I would much rather work for a doctor who's driven to keep going and keep growing than someone who's like, we're just here to do the fillings. Like cash your check, because I'm like, are we though? Are we going to be here in a year? Like is this stable? The doctor who's like, yeah, I want to build a legacy and I want to impact this community and my family in   XYZ ways. I'm like, cool, you're bought in. That means this is stable. I can get bought in on that because my family is going to grow as your family grows. And I can see myself here for a long time. And I think that's that team buying and that vulnerability of this is why I'm here because I'm here to serve my family. I'm here to pay my bills. I'm here to make sure Brody goes to college. I'm here to make sure that he has everything that he wants and desires. Ask my   The Dental A Team (14:16) Yeah.   The Dental A Team (14:42) checking account. That is my goal. Brody is happy and it's served by doing things like this. And if I want my goal, if my goal is to leave a legacy and be the entrepreneur who leaves a legacy for my family, that people can pick up that business and they don't have to work for anyone, then that's going to look different. I'm going go open a hair salon. I'm going to go do that thing. But I'm going to do that regardless of you telling me.   The Dental A Team (14:44) you   The Dental A Team (15:10) your purpose and your why, it's gonna happen no matter what. So don't be afraid to share it, just know you're serving, you're providing a space where people can grow. Whether they grow with you forever or they grow to a place where they're like, cool, I can go do that thing that I've always wanted to do, that's incredible. You got somebody to a point where they could go fulfill their life dreams, holy cow.   That's really freaking cool. And hopefully in the meantime, in the middle of that, you guys built some awesome systems that somebody can come in and learn. Because not everything's a guarantee, but the way you said that, Kristy, is just spot on. That vulnerability piece and allowing the team to decide if that's what they're here for or not, instead of leaving in the shadows, never speaking of it, and hoping that they stay anyway.   The Dental A Team (16:05) Yeah. How many times have you, I mean, I haven't worked at a lot of jobs, so I'm pretty loyal to my jobs, but for people that have gone, and I've interviewed people and hired people, so I'm speaking to myself in this too, but how many times have we shared our why in that process?   You know, and it all starts there. And you said something before, the what. The what may be getting to three million this year. And that's all we ever hear instead of the why. If we hear the why, then we can get behind the what. And then I like to say the core values just serve as how we behave to get to the why.   The Dental A Team (16:48) Yes.   Yes, yes, I love that because oftentimes core values are how we like how they want the community to view us. And so, you know, where we have integrity and we do great dental care and we have your dental, ⁓ your dentistry in mind and your dental health and is our is our heart. I'm like, I don't know how to show up to that. I don't know how to I don't know how to exude your dental health is my heart because it's not I don't.   I'm not here, I think dentistry is really cool, but I didn't go to dental school because I don't want to be a dentist. So that's spot on. It's hard to know what we're aiming for and what we're going for if we don't know the why or the what. A lot of times we're not trying the what either. So if we don't know what our goals are, if we don't know what our inspiration is, I tell people all the time, motivation is short lived. I can motivate you for a short amount of time, but if I can inspire you, inspiration lives inside of you.   Motivation comes and goes, it dies. It dies. That's why gym, you know, people who aren't inspired to go to the gym, they're not inspired by the change that the gym can make in their lives, like the steak, right? We talked about the steak and having ⁓ an all-on-four so we can eat a steak. If there's not inspiration tied to the health, the motivation to get up and go to the gym will die. It will fade. Every January, you're gonna be re-motivated to start the gym again. But if there's not inspiration living inside of you,   to be healthier, it will die off. So if I'm not inspired by the work that I'm doing, which if I'm doing new patient intake forms, like give me something to be inspired about. that's, you know, this can get really boring. Insurance verifications, why am I doing this? What difference does it make? Give me some inspiration so that I can attach to that and then give me the path of how I show up and live it every day. Those are your core values. So you need your   your mission vision, your why, what are we, why am I here, your inspiration, and then how do I show up to that?   The Dental A Team (18:55) I agree with you 100%. And I think you said something that we failed to realize. I wish I could remember the name of the book now, but there was one and he treats people that have heart attacks. And he's like, if you think I could motivate people, I should be able to motivate people because they're at best door, right? And I'm gonna try to get them to change eating or this.   The Dental A Team (19:06) Okay.   Yes.   The Dental A Team (19:20) they do for two weeks or two months because they remember what it was like to have a heart attack, but then they go back to the behavior. So even when we're faced with our own mortality, you just, I mean, it proves like we, it lives and dies. Yeah. Yep.   The Dental A Team (19:36) We're complacent.   Yeah, muscle memory sets in and it's easier to stay where you're at even in uncomfortableness. And even if your life is uncomfortable, it's easier to stay here than to make the change because you don't know what's on the other side of change. It's an unknown. You can't quite even imagine it or what you imagine you can't guarantee is going to happen. So it's easier to stay in the uncomfortable because it's what you know. There's no questions. It's gonna stop.   It's uncomfortable. It's easier to stay here and even face your own mortality than to say, okay, I'm gonna do this thing and whatever happens on the other side, I'm okay with, because that's scary.   The Dental A Team (20:17) Yep.   Well, I think the other thing, Tiff, that we failed to really tap into is you recognize it and you do it once. And how many times do we get with our clients and we're like, what is your what? Well, it's written down somewhere or it's in the drawer. Like you've got to revisit it and make it come alive or you just forget. And it's not front and center. And then that's when you get the burnout. And that's when you, you know, we've got to get back to that core and revisit it. So   I challenge you every time you have a team meeting, bring it up, talk about it. How are we living it? What are we doing that's in alignment with that and serving it? Because that's what's gonna inspire you to keep going. And so often, as a leader, that's one of my favorite things. How inspiring are you being in this moment? How inspiring am I being if I'm squatting, you're not doing this, you're not doing that. That's not inspiring change.   We talk about it all the time in hygiene. You say you're not flossing every day. Well, no, I just told you I'm not flossing. That's not inspiring me to floss every day. Right? So again, I just think putting a little spin and making sure you know your buy-in and then also revisit it. Don't put it in a drawer. ⁓ I once learned, and again, I apologize where I don't have the statistic behind me.   The Dental A Team (21:25) Yeah. Yeah.   resource.   The Dental A Team (21:45) They say, or resource, yeah, they say if you state your goal, you're a certain percentage ⁓ to achieve it. Is it James Clear? I don't know. Maybe. Maybe give them credit with credits on it. With that though, if you write it down, you're even exponentially higher. And if you say it, write it down and share it with somebody even more so.   The Dental A Team (21:55) I think so. Yeah. It might be atomic habits.   The Dental A Team (22:14) And then if you revisit it frequently, those are the people that really hit their goals.   The Dental A Team (22:16) Yeah.   And I challenge you to, you, meaning everyone and even myself, to consider goals that we're not willing to share with other people. It's much easier to tell ourselves that we're gonna do something and then not do it than to tell other people that we're gonna do something and then not do it. We will hold ourselves to a higher level of accountability if we vocalize it to people outside of ourselves, because we're okay to lie to ourselves. I'm okay. I'm okay to have.   low personal integrity until I can't take that anymore, until it hurts too much, but I won't do that public facing. So I encourage you guys to evaluate that to us there. Is there an unspoken goal that maybe if we just said it out loud and wrote it down and had some accountability partners around us, would we actually do it? Just like I said, I was gonna do a pull-up and let me tell you how many times Erin asks me if I've practiced for it.   The Dental A Team (22:51) Yeah.   Yeah.   The Dental A Team (23:14) You know?   The Dental A Team (23:14) I love it. You know, Tiff, I had a client one time that ⁓ she wrote, she was in a pretty tough spot financially and she wrote a check to herself, pulled it out a few years later and I mean, granted, visited through the way, did some of the things we talked about, but pulled it back out and it was like, holy cow, that she thought that was so undoable.   The Dental A Team (23:27) Mm, I love that.   The Dental A Team (23:42) and then it was surpassed. So challenge, I challenge our listeners.   The Dental A Team (23:44) ⁓ Yeah.   Yeah, I like it. Thank you. This was a fun. These are my favorite. You know that these are my favorite topics and I love having someone who's of the same mindset and I guess path of leadership. We listen to so much stuff and so many people and read so many books. So I love bouncing this stuff with you, Kristy. Thank you. And I think if we summed it up, I would say the biggest the action item from today is to sit down.   and get in touch with your purpose. And no, I know, Kristy, we've talked to a few clients, but specifically a client we worked with together that we had to stress that it's not perfect. It may not be perfect. It may take you months to really dial it in, but just start. You have to start somewhere. And oftentimes we hold ourselves back because we think we're not ready for perfect yet. It's not done. I don't have it like...   formulated yet. It's not my brain hasn't finished. Well, your brain's not going to finish if you don't get it on paper. Once you get it on paper, it's out of your brain and your brain can then process other things and other things come to light. So that would be my challenge. and Kristy, thank you again for today, for the whole day. Thank you. And thank you for just all of the, all of the light that you shed on this topic in general. think we can.   We can see lot of brilliance in that. So thank you for being here today, Kristy.   The Dental A Team (25:15) Yeah, thank you for ⁓ having the conversation with me.   The Dental A Team (25:19) Yeah, it's my favorite. I'll do this all day long. One care is like, what do you love? This is what I love. So how do we do that? But anyways, you guys, know, Hello@TheDentalATeam.com. If you are looking for advice, you're looking for guidance. If you're a client, obviously reach out to your consultant. We all dabble in this stuff. We all do the leadership. We all have those paths. And if you're not yet a consultant or someone who's going to be a listener forever, that's   cool too, just know we're here, reach out. We love this stuff, we are passionate about serving the dental community in the best ways possible and reaching as many people as we possibly can. That's why we started the podcast years and years ago. So reach out to us, Hello@TheDentalATeam.com Drop us a review below, let us know what you loved about today and honestly, Kristy and I would love to hear from you guys. Again, Hello@TheDentalATeam.com, tell them, send this to Tiff and Kristy. We would love to hear from you guys on what is your why?   What is your purpose? What's your inspiration? And how are you gonna use it? I, truth be told, would love to see those emails. I know, Kristy, you would too. awesome. All right, guys, go do the things. Go be inspirational and check back with us. Let us know how your teams do. Thanks so much.

Sarah Gromko and Matthew Zachary go back to SUNY Binghamton in the early 1990s, when they were barely 19 and living inside rehearsal rooms. She starred in campus musical theater productions. He served as pianist and music director for many of those shows and played rehearsal piano for the THEA101 repertory company. This episode reunites two former theater nerds who grew up and took very different paths through art, illness, and work that still circles the same truth.Gromko trained as a singer and composer, studied film scoring at Berklee College of Music, worked in New York and New Orleans, then moved into healthcare as a speech language pathologist and recognized vocologist. She explains aphasia, apraxia, dysarthria, and dysphagia with clarity earned from the clinic. She recounts helping a 16 year old gunshot survivor in New Orleans speak again using Melodic Intonation Therapy. The conversation covers voice banking for ALS, gender affirming voice care, and the damage caused when medicine confuses speech loss with intelligence loss. The result feels like an epic reunion powered by 1990s nostalgia and sharpened by decades of lived consequence.RELATED LINKSSarah GromkoGramco VoiceMelodic Intonation TherapyFEEDBACKLike this episode? Rate and review Out of Patients on your favorite podcast platform. For guest suggestions or sponsorship email podcasts@matthewzachary.comSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Insurance Denials, Unexpected Connection Hacks and a Kitten with a Foot Fetish Patricia Young (she/her) shares a "mishmash" of real-time reflections on disappointment, expectations, nervous system shifts, and the everyday emotional intensity of being AuDHD. From insurance frustrations and PDA autonomy struggles to surprising connection hacks like a digital picture frame, Patricia explores what it means to be neurodivergent in a world full of unpredictability. This episode is a gentle reminder that big feelings are valid, connection can show up unexpectedly, and sensitivity is nothing to apologize for. WHAT YOU'LL HEAR IN THIS EPISODE · The emotional whiplash of going from calm to dysregulated in minutes · How autistic and AuDHD nervous systems respond to sudden disappointment · The impact of insurance denial and loss of autonomy (PDA profile) · Why "doing the next indicated step" can be grounding · The difference between pushing through vs. honoring rest · Patricia's experience as a verbal processor and why venting helps · The autistic struggle of wanting specificity but needing to stay vague · How gifts outside your frame of reference can initially trigger discomfort · A surprising digital picture frame "object permanence" connection hack · The neurodivergent reality of out-of-sight, out-of-mind relationships · Internalized self-judgment about what we "should" value · How accommodations from safe people feel deeply regulating · The joy of being supported without shame or inconvenience · Navigating sensory overwhelm in loud restaurants with Loop earplugs · How trusted relationships can invite novelty without dysregulation · The concept of "burnt toast" moments — when bad things lead to better outcomes · Grief, rage, and relief that can come with late autism diagnosis · The pain of expectations falling flat in relationships · Rejection sensitivity showing up even with pets (hello, Walter the kitten) · The reminder that neurodivergent big feelings are human and shared   SOUND BITES  · "My window of tolerance is increasing. I can just sit with more uncomfortable things." · "Sometimes just doing the next indicated step is how we move through things." · "I wouldn't have asked for a digital picture frame… and it ended up being a great hack for connection." · "I feel so seen and so accommodated — and there's nothing about 'you're too much.'" · "There's nothing wrong with you. You're not alone. We're just wired the way we are."   SENSITIVITY IS NOTHING TO APOLOGIZE FOR; IT'S HOW YOUR BRAIN IS WIRED You are not broken. You were shaped by systems that weren't built for you. You deserve rest, joy, and support exactly as you are. PODCAST HOST Patricia Young (she/her) was a Licensed Clinical Social Worker for over 17 years, but she is now exclusively providing coaching. She knows what it's like to feel like an outcast, misfit, and truthteller.  Learning about the trait of being a Highly Sensitive Person (HSP), then learning she is AuDHD with a PDA profile, OCD and RSD, helped Patricia rewrite her history with a deeper understanding, appreciation, and a sense of self-compassion.  She created the podcasts Unapologetically Sensitive and Unapologetically AuDHD to help other neurodivergent folks know that they aren't alone, and that having a brain that is wired differently comes with amazing gifts, and some challenges.  Patricia works online globally working individually with people, and she teaches Online Courses for neurodivergent folks that focus on understanding what it means to be a sensitive neurodivergent. Topics covered include: self-care, self-compassion, boundaries, perfectionism, mindfulness, communication, and creating a lifestyle that honors you Patricia's website, podcast episodes and more: www.unapologeticallysensitive.com LINKS To write a review in itunes: click on this link https://itunes.apple.com/us/podcast/unapologetically-sensitive/id1440433481?mt=2 select "listen on Apple Podcasts" chose "open in itunes" choose "ratings and reviews" click to rate the number of starts click "write a review" Website--www.unapologeticallysensitive.com Facebook-- https://www.facebook.com/Unapologetically-Sensitive-2296688923985657/ Closed/Private Facebook group Unapologetically Sensitive-- https://www.facebook.com/groups/2099705880047619/ Instagram-- https://www.instagram.com/unapologeticallysensitive/ Youtube-- https://www.youtube.com/channel/UCOE6fodj7RBdO3Iw0NrAllg/videos?view_as=subscriber Tik Tok--https://www.tiktok.com/@unapologeticallysensitiv Unapologetically AuDHD Podcast-- https://unapologeticallysensitive.com/unapologeticallyaudhd/ e-mail-- unapologeticallysensitive@gmail.com Show hashtag--#unapologeticallysensitive Music-- Gravel Dance by Andy Robinson www.andyrobinson.com  

Insurance

Can insurance actually cover plastic surgery?In this episode, I sit down with Jacksonville plastic surgeon Dr. Abby Threet to talk about what procedures may qualify for insurance — including breast reduction, panniculectomy, upper blepharoplasty, gynecomastia, skin cancer reconstruction, and breast reconstruction revision.We break down:• The difference between a breast lift and a breast reduction• Insurance requirements and the “magic number” rule• Board eligible vs board certified• Why some surgeons don't take insurance• Drains vs no drains in tummy tucks• How to choose the right plastic surgeonIf you've ever wondered whether your surgery could be considered medically necessary, this episode is a must-watch.This is about education, transparency, and helping you make empowered decisions.

In episode 247 of America Adapts, host Doug Parsons hosts Dr. Mekala Krishnan, partner at the McKinsey Global Institute, for an inside look at how one of the world's most influential private research institutions is approaching climate adaptation. Drawing from MGI's recent report, Advancing Adaptation, the conversation explores what it would actually cost to protect people and economies from escalating heat, flooding, drought, and wildfire — and why investment still falls short even when the economic case is strong.. The discussion also examines how ideas developed within a private firm travel into real-world decision-making, and why governance, leadership, and awareness remain critical to ensuring that new data and tools translate into action. For listeners working at the intersection of climate risk, finance, infrastructure, and policy, this episode offers a clear view into how the private sector is framing adaptation — and what that framing could mean for the future of the field. Key Themes Covered in This Episode Why the McKinsey Global Institute is focusing on adaptation now What it costs to respond to rising physical climate risk The resiliency gap and why investment remains insufficient How climate risk is entering mainstream economic thinking What large-scale adaptation models include — and exclude Governance, leadership, and awareness as scaling constraints The need for shared language between public and private actors Links & Resources from This Episode Advancing adaptation: How evolving hazards could shape the agenda Dr. Mekala Krishnan Ten key requirements for a systemic approach to climate adaptation For Educators & Students This episode is well-suited for courses on climate adaptation, environmental economics, climate risk management, corporate sustainability, public policy, or infrastructure finance. Key themes include physical risk modeling, cost-benefit analysis, capital allocation, governance constraints, and the expanding role of the private sector in adaptation. Professors are welcome to assign this episode or excerpts in syllabi.   Who Should Listen to This Episode Climate adaptation and resilience practitioners Corporate sustainability, risk, and strategy professionals Urban and regional planners working on long-term resilience Insurance, finance, and reinsurance professionals Researchers and students studying climate governance or environmental economics Government staff involved in adaptation planning Funders interested in scaling adaptation solutions Climate communicators bridging public and private perspectives ClimateTech Connect Conference Mentioned in the Episode! ClimateTech Connect RegistrationUse code: AAVIP for 25% discount off ticket prices Support for America Adapts helps make episodes like this possible, including more international conversations on how adaptation is unfolding globally. All donations are now tax deductible! Check out the America Adapts Media Kit here! Subscribe to the America Adapts newsletter here. Listen to America Adapts on your favorite app here!   Facebook, Linkedin and Bluesky: https://www.facebook.com/americaadapts/ https://bsky.app/profile/americaadapts.bsky.social https://www.linkedin.com/in/doug-parsons-america-adapts/ Doug Parsons and Speaking Opportunities: If you are interested in having Doug speak at corporate and conference events, sharing his unique, expert perspective on adaptation in an entertaining and informative way, Now on Spotify! List of Previous Guests on America Adapts Follow/listen to podcast on Apple Podcasts. The 10 Best Sustainability Podcasts for Environmental Business Leadershttps://us.anteagroup.com/news-events/blog/10-best-sustainability-podcasts-environmental-business-leaders For more information on this podcast, visit the website at http://www.americaadapts.org and don't forget to subscribe to this podcast on Apple Podcasts.   Podcast Music produce by Richard Haitz Productions Write a review on Apple Podcasts ! America Adapts on Facebook!   Join the America Adapts Facebook Community Group. Check us out, we're also on YouTube! Subscribe to America Adapts on Apple Podcasts Doug can be contacted at americaadapts @ g mail . com

In this episode of Making Risk Flow: Exploring the Ecosystem, host Jake Harding speaks with Greg Johnson, CEO of Confianza, and Chief Data Officer John Petricelli about the hidden profitability most carriers overlook. They explore how legacy data strategies leave 20–40% of premium and portfolio value untapped, and why context-driven, niche data sources are reshaping underwriting and renewals. From tenant risk and household composition to commodity-linked replacement costs and behavioural indicators, Greg and John explain how richer inputs create sharper risk selection and pricing accuracy. The conversation also highlights portfolio optimisation as a powerful growth lever, identifying leakage, misclassified exposures, and cross-sell opportunities already within the book. It's a practical discussion on engineering discipline in analytics and building a 360-degree view of risk to unlock measurable competitive advantage.Fan Mail: Got a challenge digitizing your intake? Share it with us, and we'll unpack solutions from our experience at Cytora.To receive a custom demo from Cytora, click here and use the code 'Making Risk Flow'.Our previous guests include: Bronek Masojada of PPL, Craig Knightly of Inigo, Andrew Horton of QBE Insurance, Simon McGinn of Allianz, Stephane Flaquet of Hiscox, Matthew Grant of InsTech, Paul Brand of Convex, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.Check out the three most downloaded episodes: The Five Pillars of Data Analytics Strategy in Insurance | Craig Knightly, Inigo 20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL | Bronek Masojada Implementing ESG in the Insurance and Underwriting Space | Simon Tighe, Chaucer, and Paul McCarney, Moody's

Is trucking entering a new era? In this episode of Brake Check on FreightWaves, we examine two forces shaping the future of freight workforce development and legal accountability. First, Lindsey Trent of the Next Generation in Trucking Association joins us to discuss the mission of the next generation in trucking. Are we finally fixing the pipeline? What are we getting right  and where are we still missing the mark? Then we turn to the Supreme Court ruling in Montgomery v. Caribe Transport II, LLC with Shannon Everett of American Truckers United. We break down:• What the ruling actually means • Whether broker immunity is narrowing • Insurance and liability ripple effects • The impact on small carriers • Non-domiciled CDL concerns • Whether this strengthens accountability  or destabilizes freight This episode connects the next generation entering trucking with the legal framework they're stepping into. Because when liability shifts, capital shifts. When capital shifts, freight shifts. Welcome to Brake Check. ⁠Follow the Brake Check Podcast⁠ ⁠Other FreightWaves Shows⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of the Agency Intelligence Podcast, Jason Cass and Andy Mathisen discuss the evolution of lead generation in the insurance industry, focusing on innovative strategies and tools like Homebot that bridge the gap between real estate and insurance. They explore the importance of personalization, data analytics, and building relationships with referral partners to enhance agency growth. The conversation also touches on the challenges and opportunities in the current market, emphasizing the need for agents to adapt and leverage technology effectively. Key Topics: Andy's Journey in Insurance and Lead Generation Homebot: Bridging Real Estate and Insurance The Importance of Homeowner Engagement Leveraging Data for Insurance Agents Understanding MLS and Its Value Automation and Connecting Professionals Final Thoughts on Collaboration and Success Leveraging Homebot for Real Estate Connections Engagement Strategies for Insurance Agents The Dance Floor: A Lighthearted Interlude Navigating the Challenges of Lead Generation Building Relationships with Referral Partners Event Planning: The Trials and Tribulations Reach out to: Andy Mathisen Jason Cass Visit Website: Homebot Agency Intelligence Produced by PodSquad.fm

In this episode I spill all the beans of how I went from working a zillion hours a week down to just 25. I give a very detailed account to podcast host Amber de la Garza and she is so good at interviewing and asking all the right questions to pull out the important details of this progression. So today we dive into:How I more than quadrupled my hourly rateHow creating a killer client experience helped me work lessWhy picking a niche was critical to our efficiency and how it drives referralsBeing okay with pushing back on clients' calendars and fitting them into MY model weekHow I organized my time, built a team,  AND SO SO MUCH MORELearn more about the Group Coaching & Mastermind HERE! Check out The First 100 Days Course: The Advisor's Blueprint for a Remarkable Client Experience HERE!Learn more about Asset-Map financial planning software HERE! Learn more about our sponsor Beemo Automation HERE! Check out the Efficient Advisor YouTube Channel HERE!Connect with Libby on LinkedIn HERE!Successful businesses don't get built alone. You need community! You need collaboration! Join us in The Efficient Advisor Community on Facebook.

Can AI stop your next big hotel claim before it happens?In this episode, David Millili and Steve Carran sit down with Sriram Nalla, Hospitality Vertical Lead at WithCoverage, to discuss his unique journey from music management and entrepreneurship to transforming the insurance industry for hotels.Topics Covered:How WithCoverage is disrupting traditional hotel insurance with AI-powered solutionsStories of hotels saving 20-25% on premiums and improving coverageTips for aspiring leaders in hospitality and entrepreneurshipThe importance of curiosity, networking, and building trust in business. Watch the FULL EPISODE on YouTube: https://youtu.be/7cegKtiXR-ILinks:Sriram on LinkedIn: https://www.linkedin.com/in/sriram-nalla/WithCoverage: https://withcoverage.com/For full show notes head to: https://themodernhotelier.com/episode/251Follow on LinkedIn: https://www.linkedin.com/company/the-...Join the conversation on today's episode on The Modern Hotelier LinkedIn pageConnect with Steve and David:Steve: https://www.linkedin.com/in/%F0%9F%8E...David: https://www.linkedin.com/in/david-mil.

Today's podcast is a first for the Voice of Insurance as this is the first time I have had an interview with a sitting Lady Mayor of London. Sue Langley or, the Right Honourable, the Lady Mayor, Dame Susan Langley, DBE, to give her her full and formal title, has worked in the insurance industry for 28 years, with senior roles at Hiscox, within the Corporation of Lloyd's and latterly as Chair of the board of Gallagher UK. I have known her for over 20 of those years and throughout that time she has always been strong, direct, completely straightforward and down to earth. So that's why it was such a pleasure to meet her in her incredibly high-profile, but often misunderstood 800-year-old role. Many of us might go our whole careers working in the City of London but remaining almost wholly ignorant of the workings of some of its most longstanding institutions. So our talk demystifies what the Lord or Lady Mayor position means in 2026 and reveals how Sue discovered the path to becoming its 697th incumbent. Ostensibly an apolitical role, nonetheless the modern Mayoralty has tremendous soft influence in the corridors of power, and as the UK's effective ambassador for Financial and Professional Services, Sue gets to travel the globe representing all of us. In this podcast we will learn what's on top of Sue's agenda for her year in post and I am sure what she says will give all the insurance practitioners listening plenty of good cheer. I am also pleased to report that holding this great office hasn't changed Sue in the slightest, in fact it is Sue who is doing a lot to make the role more relatable and relevant to our times. Sue is also a physical representation of how the past decade has witnessed the Insurance sector stand up and be counted and start to take its rightful place in the Civic affairs of the City and country in which it trades. Sue certainly won't be the last Lord or Lady Mayor to be sourced from within the Insurance community and we should take a lot of encouragement from this. So listen on to what is a really informal, enjoyable and enlightening discussion. NOTES & LINKS: More information on Sterling 20 can be found here: https://www.gov.uk/government/news/britains-biggest-pension-funds-back-regional-growth-drive And you can get involved in the Lord Mayor's Appeal here: https://www.thelordmayorsappeal.org/ We thank our naming sponsor AdvantageGo: https://www.advantagego.com

A paradox defined 2025: recall events dipped, but total units recalled soared. We dig into why severity spiked, rising labor costs, tariffs, supplier churn, and a two-speed regulatory landscape, and what that means for your insurance program. With CRC Casualty Brokers John O'Malley and Chris Martin, we connect market signals to real exposures, from food's massive unit surge and undeclared allergens to ingredient supplier liabilities that turn a one-dollar input into a six-dollar downstream loss.For retail agents planning ahead to 2026, we lay out a focused playbook with a simple goal: cut detection time, contain unit counts, and ensure your policy responds when the stakes jump from a nuisance to a balance-sheet event. Visit REDYIndex.com for critical pricing analysis and a snapshot of the marketplace. Do you want to take your career to the next level? Join #TeamCRC to get access to best-in-class tools, data, exclusive programs, and more! Send your resume to resumes@crcgroup.com today!

Education leaders respond to calls to crack down on student protests against I.C.E.Changes are coming for Oklahomans under the Affordable Care Act.The Trail of Tears Art Show is calling for submissions for its up coming exhibition.You can find the KOSU Daily wherever you get your podcasts, you can also subscribe, rate us and leave a comment.You can keep up to date on all the latest news throughout the day at KOSU.org and make sure to follow us on Facebook, Tik Tok and Instagram at KOSU Radio.This is The KOSU Daily, Oklahoma news, every weekday.

On this episode of the Insurance Coffee House, Nick Hoadley, CEO of Insurance Search, welcomes back leadership consultant Nick Wealthall of Yellow Door Training.Following strong feedback from his previous appearance, Nick returns to go deeper into a topic that resonates across the insurance market: leadership and value proposition.From brokers and underwriters to CEOs and HR leaders, this conversation explores how insurance professionals can better understand the value they create, communicate it effectively, and use it to drive growth, performance, and talent attraction.Connect with Nick Wealthall on LinkedIn to learn more about Yellow Door Training and his work helping insurance leaders clarify their value, lead with impact, and build stronger teams.The Insurance Coffee House Podcast is brought to you by Insurance Search.We are a global Insurance Executive Search Consultancy, supporting Insurance and Insurtech businesses to attract and retain the very best insurance talent.Find out more about showcasing your employer brand as a guest on the Insurance Coffee House Podcast or sign up to our News and Insights.Or follow us on LinkedIn, Twitter or Instagram.Insurance Executive Search Consultants in USA, London and Bermuda.Copyright Insurance Search 2025 - All Rights Reserved.

Are traditional insurance models keeping pace with innovation? In this episode of The Edge of Risk Podcast by IRMI, host Joel Appelbaum speaks with Bill Kost, senior vice president, energy, power, and renewables risk consulting leader at Marsh, about how the insurance industry is adapting to rapid energy innovation. From emerging technologies like battery storage to the growing role of captives, they explore where traditional approaches fall short—and how risk strategies are evolving to meet a changing energy mix.

Episode Info Wayne Slavin is the CEO and Co-Founder of Sure, a VC backed insurtech startup. Prior to Sure he was the VP of Product Management at Tapingo, TechCrunch's Most Innovative Company of 2013. His other past projects and companies include NetStumbler, a consumer app with more than 1.5 billion downloads, the Barnes & Noble Nook eBook reader, Buddy Media (now part of salesforce), and BackupRight the enterprise SaaS company he sold in 2012. He has a Masters Degree from Columbia University. You can see Wayne from his appearance on the show in April of 2024 in the final episode of Season 5. Episode Overview: SURE's Role: SURE provides the technology infrastructure and services that enable large brands, including Fortune 500 companies and major auto manufacturers, to launch and manage their own digital insurance businesses. This allows these brands to control the customer experience and build long-term, durable insurance operations. Embedded Insurance: The trend of "embedded insurance" is driven by the fact that insurance is often a necessary component of a core product (like cars or homes) or can be a friction point in a sale. Companies are recognizing the value of offering insurance directly to their customers to enhance the overall experience and capture economic benefits. The "One-Stop-Shop" Vision: Many large consumer brands aim to be a comprehensive provider for their customers, whether it's for car ownership, homeownership, or financial well-being. Insurance is a natural extension of this strategy, allowing them to create a complete ecosystem around their core offerings. Structural Advantage: Brands that already have a customer base have a significant advantage. Acquiring these customers for insurance purposes costs them next to nothing, giving them better economics than external insurance providers. Evolution of SURE: Over the past year, SURE has focused on helping its partners achieve "permanence" in their insurance offerings. This means enabling them to build stable, long-term insurance programs that are not subject to the fluctuating appetites or market conditions of traditional insurers. Challenges for Traditional Insurers: The existing insurance industry has had ample opportunity to improve its technology and customer experience but has largely failed to do so. This has created an opening for new models. The "Build vs. Buy" Dilemma: While some companies attempt to build their own insurance carriers, this is capital-intensive and distracts from their core business. Partnering with a third-party carrier often results in a loss of control over customer experience and technology, leading to suboptimal outcomes. SURE's Sweet Spot: SURE offers a middle ground, enabling brands to have their own differentiated insurance programs with control and economic upside without the need to become full-fledged insurers or rely on inadequate partnerships with traditional carriers. Speed to Market: SURE can bring partners to market with approved insurance products in as little as 90 days, or even faster for simpler offerings, demonstrating a significant advantage over the lengthy internal development times typical for such initiatives. Industry Inertia: The insurance industry often suffers from a lack of incentive for long-term growth and innovation. Decisions are often based on avoiding blame (omission vs. commission) rather than proactively pursuing new opportunities. This makes it difficult for established players to adapt to new models. The Future of Insurance Distribution: The future will likely involve insurance being more deeply integrated into the customer journey, moving away from discrete purchases and towards seamless, embedded solutions. The current models of comparison engines and traditional carrier partnerships are becoming less relevant. Investor Appetite: There is a significant appetite from investors like private equity and sovereign wealth funds for insurance-like returns, especially for well-defined, scalable programs that leverage existing customer bases. This episode is brought to you by The Future of Insurance book series (future-of-insurance.com) from Bryan Falchuk. Follow the podcast at future-of-insurance.com/podcast for more details and other episodes. Music courtesy of Hyperbeat Music, available to stream or download on Spotify, Apple Music, and Amazon Music and more.

RaeAnn Tucker joined Wake Up Tri-Counties to talk about Heart Health Month, Dr. Ford's retirement, insurance navigators, the new WIC location in Kewanee, and 12 communities in 12 months. February marks American Heart Month, and area health officials are urging residents to prioritize heart health. The Henry and Stark County Health Departments, along with First Choice Healthcare Clinics, are now offering free access to automated blood pressure monitors in Kewanee, Colona, and Toulon. Individuals can use these monitors and take home a printout of their results. A new loaner program also allows residents to track blood pressure at home. The new WIC offices in Kewanee are open at 109 South Burr Boulevard, offering expanded services for families. In other news, Dr. Donald Ford retires after nearly five decades of distinguished service. Details about insurance help, WIC applications, and health resources can be found at henrystarkhealth.com. Health insurance navigators are available at several local venues in February to help with coverage questions and enrollment.

I've reviewed thousands of federal employee TSP accounts. And the biggest losses usually don't come from market crashes. They come from withdrawal timing, fund allocation at the wrong life stage, and not understanding your three options when you retire.In this video, we break down the most overlooked Thrift Savings Plan mistakes, including sequence of returns risk, TSP withdrawal rules, and rollover decisions that can significantly impact long-term retirement income.

Maria Long, chief underwriting officer, Resilience, discusses how emerging cyberthreats are transforming cyber insurance and driving the need for stronger underwriting and enhanced client resilience.

This podcast is packed with need-to-know information regarding insurance for renters, owners & landlords. Janet, Karen & Denise from Paladin begin the podcast discussing tenant policies for multi property owners, they cover liability insurance and workers comp coverage emphasizing the importance of an umbrella policy. Renters with kids and pets plus pools is also discussed.  Coverage that includes Coastal water issues, earthquakes, floods and mudslides, learn which coverage you need.  You will find out about the most expensive mistakes people make with insurance.  This podcast is a must listen!  With Jane, Karen & Denise of Paladin Insurance!

Before you wire money into a syndication — whether it's with me or another operator — you need to hear this. In this episode, I walk through the real conversation most sponsors don't slow down enough to have. Multifamily investing is not a savings account. It's not a money market fund. It's an operating business. And businesses have seasons. There will be smooth years. There may be tight years. Insurance moves. Taxes move. Rent growth stalls. Market cycles shift. That doesn't mean a deal is broken — but it does mean you need to understand what you're stepping into before you send capital. I talk about: Why you're not just investing in a building — you're investing in the operator The uncomfortable questions every LP should ask before wiring Break-even occupancy and why it matters Reserves, illiquidity, and what "long-term" really means The difference between professional LPs and new investors Why alignment matters more than projected IRR If you're considering investing $50K, $100K, or more into a syndication, this episode is for you. No hype. No guarantees. Just real talk about risk, responsibility, and long-term wealth building in multifamily.

Seth and Sean discuss Bad Bunny's offer to pay Carlos Correa's insurance for the World Baseball Classic, why it fell through, and what Carlos thought of the team's offseason.

Wayne Anthony Miller, II, is the Senior Managing Director and Executive Vice President of Hale & Associates, an independent nationwide financial services firm. Hale & Associates has over 40 years of industry leadership. Wayne specializes in helping retirees and pre-retirees protect their life savings, maximize income, and build durable multigenerational legacy plans. Wayne's mission is to safeguard assets families have worked a lifetime to build and empower every client to retire with clarity, confidence, and long-term peace of mind.Learn More: https://haleandassociates.net/Investment advisory services are offered through RLB Financial a registered investment adviser. Insurance products and services are offered through individually licensed and appointed insurance agents. California insurance number OK13849. Wayne Anthony Miller, II CA LIC# 0G30788 Vice President of Sales Hale & Associates, LLC CA DBA Hale and Associates Financial and Insurance Services, LLC – LIC #6013528 CA DBA Wayne Miller Insurance and Financial Services – LIC #6014459Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-wayne-miller-and-darren-grunberg-with-hale-associates-discussing-fixed-index-annuities-for-union-retirees

Wayne Anthony Miller, II, is the Senior Managing Director and Executive Vice President of Hale & Associates, an independent nationwide financial services firm. Hale & Associates has over 40 years of industry leadership. Wayne specializes in helping retirees and pre-retirees protect their life savings, maximize income, and build durable multigenerational legacy plans. Wayne's mission is to safeguard assets families have worked a lifetime to build and empower every client to retire with clarity, confidence, and long-term peace of mind.Darren Grunberg is a fiduciary advisor who helps retirees protect their savings and create dependable income for life. After years as a professional trader, he saw how quickly markets could rise or fall — and how fast a lifetime of savings could be affected. That experience led him to focus on helping people avoid unnecessary risk and build retirement plans that feel safe, steady, and easy to understand.Darren works with retirees across the country to protect their savings from market volatility, create guaranteed income, and reduce the uncertainty so many people face in retirement. He believes every retiree deserves clarity and confidence, not guesswork. His goal is simple: to help people enjoy a retirement they can trust.Learn More: https://haleandassociates.net/Wayne Anthony Miller, II – 0G30788 Vice President of Sales Hale & Associates, LLC CA DBA Hale and Associates Financial and Insurance Services, LLC – LIC #6013528 CA DBA Wayne Miller Insurance and Financial Services – LIC #6014459 PH. 317-677-7178 PH. 949-943-5266 FAX. 317-614-7508wayne@haleandassociates.net Investment advisory services are offered through RLB Financial a registered investment adviser. Insurance products and services are offered through individually licensed and appointed insurance agents.Darren Grunberg-CA LIC#4333498 Managing Director Hale & Associates, Inc. PH: (516)313-6413 PH: (317)677-7178 darren@haleandassociates.netInfluential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-wayne-miller-and-darren-grunberg-with-hale-associates-discussing-income-retirement-planning

Wayne Anthony Miller, II, is the Senior Managing Director and Executive Vice President of Hale & Associates, an independent nationwide financial services firm. Hale & Associates has over 40 years of industry leadership. Wayne specializes in helping retirees and pre-retirees protect their life savings, maximize income, and build durable multigenerational legacy plans. Wayne's mission is to safeguard assets families have worked a lifetime to build and empower every client to retire with clarity, confidence, and long-term peace of mind.Darren Grunberg is a fiduciary advisor who helps retirees protect their savings and create dependable income for life. After years as a professional trader, he saw how quickly markets could rise or fall — and how fast a lifetime of savings could be affected. That experience led him to focus on helping people avoid unnecessary risk and build retirement plans that feel safe, steady, and easy to understand.Darren works with retirees across the country to protect their savings from market volatility, create guaranteed income, and reduce the uncertainty so many people face in retirement. He believes every retiree deserves clarity and confidence, not guesswork. His goal is simple: to help people enjoy a retirement they can trust.Learn More: https://haleandassociates.net/Wayne Anthony Miller, II – 0G30788 Vice President of Sales Hale & Associates, LLC CA DBA Hale and Associates Financial and Insurance Services, LLC – LIC #6013528 CA DBA Wayne Miller Insurance and Financial Services – LIC #6014459 PH. 317-677-7178 PH. 949-943-5266 FAX. 317-614-7508wayne@haleandassociates.net Investment advisory services are offered through RLB Financial a registered investment adviser. Insurance products and services are offered through individually licensed and appointed insurance agents.Darren Grunberg-CA LIC#4333498 Managing Director Hale & Associates, Inc. PH: (516)313-6413 PH: (317)677-7178 darren@haleandassociates.netInfluential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-wayne-miller-and-darren-grunberg-with-hale-associates-discussing-income-retirement-planning

Wayne Anthony Miller, II, is the Senior Managing Director and Executive Vice President of Hale & Associates, an independent nationwide financial services firm. Hale & Associates has over 40 years of industry leadership. Wayne specializes in helping retirees and pre-retirees protect their life savings, maximize income, and build durable multigenerational legacy plans. Wayne's mission is to safeguard assets families have worked a lifetime to build and empower every client to retire with clarity, confidence, and long-term peace of mind.Learn More: https://haleandassociates.net/Investment advisory services are offered through RLB Financial a registered investment adviser. Insurance products and services are offered through individually licensed and appointed insurance agents. California insurance number OK13849. Wayne Anthony Miller, II CA LIC# 0G30788 Vice President of Sales Hale & Associates, LLC CA DBA Hale and Associates Financial and Insurance Services, LLC – LIC #6013528 CA DBA Wayne Miller Insurance and Financial Services – LIC #6014459Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-wayne-miller-and-darren-grunberg-with-hale-associates-discussing-fixed-index-annuities-for-union-retirees

David Fitzgerald, CEO of the Motor Insurers' Bureau of Ireland, discusses their report findings which show that more than 19,000 uninsured vehicles were seized in 2025.

In this energizing episode of Referrals Done Right, Scott and Kelly Grates sit down with Christine Spiak and Tricia Sticca, co-founders of Success Circle — a membership community for women solopreneurs in the Mohawk Valley. What started as two coaches sharing office space has grown into a powerful movement built on collaboration over competition, vulnerability over ego, and action over perfection. At its core, Success Circle exists to help women stop doing business alone and start building with intention, clarity, and confidence.Christine and Tricia share how creating safe, supportive spaces — from Coffee Connections to their Accelerator Membership — is helping women step out of isolation, combat burnout, and take meaningful action in their businesses. This conversation isn't just about networking; it's about integration, identity, and building a ripple effect that strengthens families, businesses, and the entire Mohawk Valley community We Cover:• Why collaboration over competition is the heartbeat of Success Circle's mission• How small “weekly ones” and intentional baby steps create real momentum• What makes a safe space powerful for vulnerable conversations and growth• Why community-based coaching hits differently than national, one-size-fits-all programs• The long-term vision to impact one million women — starting right here in the Mohawk Valley---Episode Markers:(0:00) - Show Start & Introduction(1:00) - What Is Success Circle?(2:10) - How Two Coaches Joined Forces to Build a Movement(3:35) - Creating a Culture of Support & Safety for Women(6:35) - Who Can Join? Membership Tiers & What They Include(8:35) - Being the Catalyst for New Ideas & First-Time Founders(9:30) - Coffee Connections: What to Expect(10:55) - Why Women-Only Spaces Matter in Business Networking(13:30) - How the Talking Stick Changes the Game(14:00) - Blending Leadership Coaching with Financial Clarity(15:30) - What Members Get from the Accelerator Program(17:05) - The Summer Connection Series – Real-Time Problem Solving(19:20) - Action Over Perfection: Baby Steps & Momentum(21:40) - Weekly Wins & The Power of Small Victories(23:30) - Long-Term Vision: Franchise, Foundation & Global Impact(25:00) - July 17th Workshop at SUNY Poly – Collaboration in Action(26:30) - Advice for Women Feeling Burnt Out or Stuck(27:30) - Seasons of Life & Redefining Success(28:05) - Why One-Size-Fits-All Coaching Doesn't Work(31:15) - Rapid Fire: Biz Besties, Mantras & Local Favorites(34:50) - One Thing Every Woman Entrepreneur Should Know(36:30) - Final Thoughts – Be Present, Be Real, Be in the Circle---Success Circle's Links:Website - https://www.successcircle.bizFB - https://www.facebook.com/SuccessCircleCommunityNYLinkedin - https://www.linkedin.com/company/success-circle-communityInstagram - https://www.instagram.com/success_circle_community

Consumer says insurance premiums have dropped in Auckland- but there's not such good news for people in Wellington and Christchurch. Money correspondent Susan Edmunds has been looking into it and spoke to Ingrid Hipkiss.

When Insurance Gets Between Doctors and PatientsDr. Elizabeth Ames and Dr. Caleb Bupp are deeply committed to their patients. But like so many clinicians today, they're spending an extraordinary amount of time battling insurance companies instead of practicing medicine.Between prior authorizations, step therapy requirements, and outright coverage denials, physicians and their teams are buried in paperwork, often at the direct expense of patient care. Time that should be spent listening, diagnosing, and treating is instead consumed by forms, phone calls, and appeals.Boston Globe reporter Jonathan Saltzman raised the concern and Dr. Ames brought it to my attention. The reporter talks about, a new program rolled out by Blue Cross Blue Shield of Massachusetts. The insurer says the initiative is designed to control rising healthcare costs for its 3 million members, noting that costs have increased by 30 percent since 2021. But, the program specifically targets physicians who bill for the most expensive visits. The reason for the increased expense, which is discussed in our podcast, is because doctors are choosing to spend more time with rare disease patients who have complicated health issues. They need to spend more time with complex medical needs patients than say, someone with a sore throat.Drs. Ames and Bupp warn that this approach fundamentally misunderstands patient care, particularly for those with complex or rare conditions. “These patients don't need less time; they need more” says Dr. Ames. Physicians argue that policies like this risk rushed appointments, strained doctor/patient relationships, and poorer outcomes. Nowhere is this more concerning than in the rare disease community, where delays and denials can be devastating.Dr. Elizabeth Ames and Dr. Caleb Bupp talk about what this looks like in real life. As pediatric geneticists, they see firsthand how insurance barriers impact families already navigating diagnostic odysseys, uncertainty, and fear. Their work sits at the intersection of cutting-edge science and deeply human stories, and insurance interference often disrupts both. Dr. Ames, “Usually we get faxes saying, this has been denied and we start working on it. But the family gets a letter that the drug they need, the process is delayed by a “no”. We try and have good communication and say, “hey, we got this denial,” we're working on it. But I think it's deaths by a thousand cuts for the family. Families take the denial as, “I'm not worth of coverage, and that's really hard”. Dr. Bupp says they have had to hire genetic counselors, a job that didn't exist even 5 years ago, “We have a job description in our organization for it now because of the complexities that come with trying to unravel these insurance situations”.We should also note that Dr. Ames, Dr. Bupp, and I all serve on the Rare Disease Advisory Council (RDAC) in Michigan. “I think rare disease advocacy, there is power in numbers. One person can be a huge difference maker, but it's not one plus one equals two. It really exponentially grows, and I think with things like rare disease advisory councils, that gives you a better connection within your state, for state government and for advocacy. And I also think, or I hope, that it gives a place for an individual to plug in and that can then magnify and amplify. their voice so that they're not alone”. Many states have RDAC's, You can see if your state has an RDAC. For more on the Michigan RDACIn this article and in the podcast we are not speaking on behalf of the council, but it's important to understand why bodies like RDAC exist in the first place. Michigan is home to approximately one million people living with rare diseases, and the RDAC was created to ensure their voices, and experiences help shape policy. RDAC meetings are open to the public, and anyone in Michigan can participate and offer public comment. We hope you join our meetings via zoom (sometimes hybrid).This conversation isn't just about insurance policies. It's about time, trust, and whether our healthcare system truly serves patients, especially those with the most complex needs. Speak up, share your story. Advocate. Make a difference, Mold the future, for future generations.To look at the Everylife Diagnosis Odyssey https://everylifefoundation.org/delayed-diagnosis-study/ discussed in the podcast.  Everylife impact of diagnosis: https://everylifefoundation.org/burden-study/ Please like, subscribe, and comment on our podcasts!Please consider making a donation: https://thebonnellfoundation.org/donate/The Bonnell Foundation website:https://thebonnellfoundation.orgEmail us at: thebonnellfoundation@gmail.com Watch our podcasts on YouTube: https://www.youtube.com/@laurabonnell1136/featuredThanks to our sponsors:Vertex: https://www.vrtx.comViatris: https://www.viatris.com/enRead us on Substack: https://substack.com/@lstb?utm_campaign=profile&utm_medium=profile-pageWatch our trailer of Embracing Egypt: https://youtu.be/RYjlB25Cr9Y

Stefan Holzberger, EVP and COO, AM Best, advises emerging leaders to determine use cases for AI and where they can leverage technology to make their work more efficient and to price risk and handle claims more effectively. Holzberger spoke with AM Best TV at the 2026 Emerging Leaders Conference in Nashville, Tenn.

Over 19,000 vehicles were seized by An Garda Síochána for driving without insurance in 2025, a new report published by the Motor Insurers' Bureau of Ireland has revealed. To discuss these findings further Anton spoke to Motor Insurers' Bureau of Ireland CEO David Fitzgerald.

Independent agencies are being asked to move faster, manage more data, and deliver more value without increasing headcount. Outmarket AI was built to solve exactly that challenge.In this episode, RiskProNet Executive Director Matt Sasso sits down with Vishal Sankhla (CEO & Co-Founder) and Andrew Khalatov (Head of Sales) to explore how Outmarket AI is reshaping daily workflows for brokers and account managers. From policy reviews and quote comparisons to branded proposals, contract analysis, and claim disputes, Outmarket gives teams the ability to work faster and with greater accuracy.We dive into why general-purpose AI tools fall short for insurance, what makes vertical AI essential for agencies, and how RiskProNet members are already seeing time savings, workflow improvements, and real revenue impact. We also cover Outmarket's security-first architecture and why their private cloud deployment model matters for compliance and client trust.RiskProNet members receive full access to a free trial, unlimited seats, and onboarding support.If you want a look at how AI is actively transforming agencies today, this episode is for you.Learn more about Outmarket AI at: https://outmarket.ai/Timecodes:00:02 – 01:32 | Opening the Conversation: Insurance Meets AI01:33 – 03:36 | Vishal's Journey: Uber, Meta, Ethos Life, and the Spark for Outmarket03:37 – 04:45 | Andrew's Path: From Strategy to Insurance AI04:46 – 06:06 | Why Outmarket Exists: Solving the Agency Workflow Problem06:07 – 07:03 | The Outmarket Pitch: One Platform for Every Workflow07:04 – 08:18 | Vertical AI vs. General AI: The Real Difference08:19 – 09:50 | How Outmarket Understands Insurance Better Than General Tools09:51 – 12:32 | Real Use Cases Across the Network: Policy Reviews, Comparisons, Proposals12:33 – 13:49 | Security First: Private Cloud Instances and Data Isolation13:50 – 16:09 | Eliminating Busywork: Quotes, Contracts, Claims Done Fast16:10 – 17:16 | Zero-Lift Adoption: Drag-and-Drop Workflows and Instant Output17:17 – 18:33 | Two-Minute Analysis: Deep Review at Lightning Speed18:34 – 20:36 | Prospecting Power: Faster Proposals and BOR Wins20:37 – 22:48 | What Truly Sets Outmarket Apart: Breadth, Customization, Adoption22:49 – 24:04 | One Platform vs. Many Tabs: Keeping Teams in Sync24:05 – 25:41 | Getting Started: Free Trials and No Implementation Required25:42 – 26:36 | Measuring ROI: User Adoption and Team Impact26:37 – 27:31 | Looking Ahead: Deepening the Partnership27:32 – 28:01 | OutroResources:Become a member at RiskProNet.comConnect with Matt Sasso on LinkedIn: https://www.linkedin.com/in/matthew-sasso-8161b752/Connect with Vishal Sankhla on Linkedin: https://www.linkedin.com/in/vishalsankhlaConnect with Andrew Khalatov on Linkedin: https://www.linkedin.com/in/andrewkhalatov/Connect with Outmarket AI on LinkedIn: https://www.linkedin.com/company/outmarket-ai/Connect with RiskProNet on LinkedIn: https://www.linkedin.com/company/riskpronet-international

You've probably heard that pensions are dying, but have you ever wondered why they were so effective in the first place? Research shows that traditional defined benefit pensions deliver the same retirement income at 49% less cost than typical 401(k) plans. Even the most efficient 401(k) plans still require 27% more funding to match pension benefits. The difference comes down to three main factors: lower investment costs, access to institutional-grade investments, and longevity risk pooling. Large pension funds pay just 25-41 (.25-.41%) basis points for professional management compared to 130+ basis points( 1.30%) in many 401(k) plans. Some 401(k) fees are so high they completely eliminate the tax benefits for younger workers. Insurance companies operate on the same principles as pension funds, managing trillions in assets with access to private placement bonds that yield 25-45 basis points more than public bonds. You can't buy these investments individually, no matter how much money you have. The insurance industry holds over 90% of all privately issued debt in the United States. This scale advantage directly impacts products like annuities and whole life insurance. When you buy a lifetime income annuity, you join a risk pool of hundreds of thousands of people. The insurance company only needs to fund the average outcome across the pool, not your individual maximum lifespan. The numbers are striking: a 65-year-old funding $15,000 per year of income needs $278,000 in Treasury bonds but only $202,000 with an annuity. That's a $76,000 difference from mortality credits alone. We walk through the research showing how institutional investors achieve results that retail investors simply cannot replicate on their own. ______________________________ Have questions about how these concepts apply to your retirement planning? Reach out to us—we're here to help you understand your options.

When a spouse passes away, the emotional toll is obvious—but the financial “whammies” can be just as disruptive: a lower Social Security benefit may disappear, tax filing status changes, Medicare decisions shift, and beneficiary and estate documents need immediate attention. In this episode of Safer Retirement Radio, Brian Decker and Marc Knauss, CFP(R) break down the practical steps families should understand before a loss happens, and the priorities to address in the first 30–90 days afterward. They cover how survivor benefits work, why taxes often rise for the surviving spouse, and how proactive planning can reduce administrative headaches and costly mistakes. Key topics discussed: Survivor Social Security basics: notify promptly, benefit coordination, and timing considerations Tax impact after a spouse's death: filing status changes and why brackets can tighten Medicare and supplemental plan review after becoming widowed Account consolidation, beneficiary updates, and estate document cleanup (trust, POA, health directive) Risks of scams and pressure tactics after an obituary posts Real estate and tax planning concepts like step-up in basis Advanced planning themes discussed on the show: trusts, legacy design, and rental real estate tax strategies If you're within 5–10 years of retirement (or already retired), this episode is a reminder that a written income plan and coordinated strategy can help protect the surviving spouse and reduce “decision pressure” during grief. Learn more & download resources: DeckerRetirementPlanning.com (Safer Retirement Education) Schedule a visit: 833-707-3030 This podcast is for informational purposes only and is not intended as tax or legal advice. Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims-paying ability of the issuing carrier.

Recent data show around 4,000 fewer Montanans purchased an Affordable Care Act health plan in 2026, a roughly 5% decline. That decline is attributed to the loss of federal subsidies for monthly premiums. More people are expected to drop coverage.

Stuck at one rental property? Maybe you spent years saving for that first down payment, and now, your funds are depleted. Where do you go from here? Not to worry—we'll show you how to get past this common rookie roadblock and buy your second, third, and fourth deals! Welcome to another Rookie Reply! Ashley and Tony are back with more questions from the BiggerPockets Forums, the first of which is about scaling when you're out of cash. Some rookie investors throw their entire savings at that first investment property, so do you really have to start over to buy the next one? Maybe you don't! We share a few strategies that will help you grow your real estate portfolio faster. Insurance premiums have risen in many markets, but what do you do when they actually kill your deal, wiping out any potential cash flow? Abandon the deal entirely? Go back and negotiate with the seller? We also hear from an investor who wants to build an Airbnb business and take advantage of the short-term rental tax loophole, but is struggling to pick a market. We'll help them narrow down their options!   Looking to invest? Need answers? Ask your question here! In This Episode We Cover How to scale your real estate portfolio when working with limited funds Using creative financing to buy rental properties with less money down How to reduce your taxable income with the short-term rental loophole What to do when insurance costs blow up your real estate deal How to find and choose the best short-term rental markets for 2026 And So Much More! Check out more resources from this show on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BiggerPockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.biggerpockets.com/blog/rookie-679 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠advertise@biggerpockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.  Learn more about your ad choices. Visit megaphone.fm/adchoices

In this powerful and wide-ranging conversation, Darin sits down with Dr. Anthony Youn, known to millions as America's Holistic Plastic Surgeon, to unpack the real foundations of beauty, health, and longevity. From the broken healthcare system and insurance handcuffs to the deep connection between gut health, skin, and self-esteem, Dr. Youn shares why surgery should always be the last step, not the first. This episode challenges everything we've been taught about aesthetics, medicine, and what it truly means to age well. What You'll Learn Why modern healthcare often prioritizes profit over patients — and how that affects both doctors and outcomes Dr. Youn's "house analogy" for beauty: nutrition as the foundation, skincare and supplements as the structure, and surgery as the attic How plastic surgery can be a catalyst for healthier habits, not just cosmetic change The surprising link between the microbiome, fiber intake, and skin conditions like acne, eczema, and rosacea Why fiber may be more important than protein, collagen, or even NAD+ for long-term health How vanity can sometimes be leveraged as a gateway to better health choices The emotional weight doctors carry as first responders — on planes, in ERs, and in everyday life Why holistic medicine and traditional medicine must finally merge Chapters 00:00:00 – Welcome to SuperLife and the mission of sovereignty, health, and longevity 00:00:32 – Sponsor: Fatty15 and the role of C15 in cellular health 00:04:13 – Introducing Dr. Anthony Youn, America's Holistic Plastic Surgeon 00:05:00 – The "house analogy" for beauty: nutrition, skincare, and surgery as the attic 00:06:40 – The convergence of plastic surgery, biohacking, and regenerative medicine 00:09:30 – Why surgery should never be the first option 00:11:30 – Insurance handcuffs and the reality of modern medical practice 00:14:30 – Dr. Youn's journey into medicine and plastic surgery 00:17:20 – How jaw reconstruction changed his life and career path 00:18:40 – The dark side of hospital systems and profit-driven care 00:22:10 – National healthcare, rationing, and personal responsibility 00:24:25 – Why education is the cornerstone of health reform 00:27:00 – Sponsor: Our Place and eliminating toxic cookware 00:29:45 – Using vanity as a tool to get patients to quit smoking 00:33:00 – The emotional toll of being a physician and first responder 00:36:15 – Medical emergencies on planes, in public, and the burden of duty 00:40:00 – When there's nothing you can do — and how doctors carry that weight 00:45:30 – Dr. Youn's skincare line, supplements, and why fiber is his next focus 00:48:00 – Fiber, the microbiome, and clear skin 00:49:50 – Bridging traditional medicine and alternative wellness 00:50:30 – Beef tallow, skincare myths, and what actually works 00:52:50 – Final reflections on health, service, and longevity     Thank You to Our Sponsors: Our Place: Toxic-free, durable cookware that supports healthy cooking. Use code DARIN for 10% off at fromourplace.co/darin.. Fatty15: Get an additional 15% off their 90-day subscription Starter Kit by going to fatty15.com/DARIN and using code DARIN at checkout.ssssss     Join the SuperLife Patreon: This is where Darin now shares the deeper work: - weekly voice notes - ingredient trackers - wellness challenges - extended conversations - community accountability - sovereignty practices Join now for only $7.49/month at https://patreon.com/darinolien     Connect with Darin Olien: Website: darinolien.com Instagram: @darinolien Book: Fatal Conveniences Platform & Products: superlife.com     Connect with Dr. Anthony Youn: Get Dr. Youn's book: autojuvenation.com Website: https://www.dryoun.com/  Instagram: @tonyyounmd TikTok: @doctoryoun  YouTube: @tonyyounmd     Key Takeaway: "True beauty doesn't start in the mirror or the operating room — it starts in your gut, your habits, and the systems you build to support long-term health."