Podcasts about Insurance

N Chandrasekaran’s decision not to seek another term as Tata Sons chairman brings an extraordinary year of tensions inside the Tata Group to a head. Behind the succession question lies a deeper struggle over how Tata Trusts exercises control over Tata Sons, how much capital the group should commit to businesses such as Air India, digital and semiconductors, whether Tata Sons should remain private, and how the Shapoorji Pallonji Group gets liquidity from its stake. Anirban Chowdhury speaks to governance experts Amit Tandon, founder and MD IiAS and Shriram Subramanian, founder and MD, InGovern about what Chandra leaves behind and the problems awaiting Tata’s next chairman. Listen in You can follow Anirban Chowdhury on his social media: X and LinkedinCheck out other interesting episodes like - Cognizant’s Surya Gummadi on How AI Can Deliver Returns, The Future of Insurance in India | Sarbvir Singh of PB Fintech, Groww’s ₹6,600 Cr Leap - Fintech’s Big Market Test Begins , OML CEO on the Creator Economy’s Next Wave & much more. Catch the latest episode of ‘The Morning Brief’ on The Economic Times Online, Spotify, Apple Podcasts, JioSaavn, Amazon Music and Youtube.See omnystudio.com/listener for privacy information.

A man is struck by a car on the streets of Los Angeles. In the emergency department, a CT scan ordered to look for traumatic injuries reveals something nobody expected: a mass in his colon. Days later, sitting across from Dr. Belinda Waltman, he calls the accident “a blessing in disguise.” Then he changes the subject. He is less worried about cancer than about whether he can afford to miss another day of work. In this season finale of Standard Deviation, host Dr. Oliver Bogler explores what happens when biomedical science collides with the realities of the healthcare safety net. Dr. Waltman, a primary care physician in Los Angeles County, specializes in expedited cancer workups for uninsured and underinsured patients. Every diagnosis arrives carrying another set of questions about housing, transportation, food insecurity, wages, and survival that rarely appear in medical records or scientific literature. For years, Waltman carried those stories without knowing how to bring them into the academic record. As a full-time clinician without a research lab, grant funding, or publication pipeline, she faced barriers familiar to many working scientists and physicians whose most important observations happen outside traditional research settings. With support from the Life Science Editors Foundation's JEDI program, those experiences became The Margins Matter, a narrative medicine essay published in JAMA that argues the social realities surrounding cancer care are not background details. They are part of the disease itself. Bogler traces how editorial mentorship transformed lived clinical experience into published scholarship while asking a larger question about who gets to shape the scientific record. The conversation examines cancer care, Medicaid, health-related social needs, medical publishing, and the structural incentives that determine which stories become evidence and which disappear from view.The result is a conversation about documentation, visibility, and why the margins of medicine often determine who survives long enough to benefit from its advances.RELATED LINKSDr. Belinda Waltman⁠The Margins Matter | JAMA⁠The Margins Matter | PubMed⁠Life Science Editors Foundation⁠FEEDBACKLike 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.

Frontline healthcare workers and the patients they serve are facing a major crisis at the University of Vermont Health network—the state's leading healthcare provider. “In June, UVM Health eliminated over 140 positions across its network, a third of which were union positions,” Matt More reports at The Rake Vermont. “The cuts, which the hospital estimated will save $9.5 million, comes as the network faces a $300 million budget shortfall… Later that month, UVM Health handed down a speed-up order to its Medical Group, which includes outpatient clinics and more than 1,000 physicians, which practitioners say will result in briefer appointments with patients.”How did Vermont's flagship health network end up in this crisis? How is it affecting healthcare workers and their patients? And what can be done to fix it? In this episode of Working People, we speak with Melissa Lavallee, secretary of UVMMC Support Staff United and VP of healthcare for AFT-Vermont; and Teagan Cook, lead outpatient chemotherapy scheduler at her hospital and a chief steward in UVMMC Support Staff United.Additional links/info: UVMMC Support Staff United website, Facebook page, and InstagramAFT-Vermont website, Facebook page, and InstagramMatt Moore, The Rake Vermont, “UVM Health's unions fight hospital cuts to protect their patients' healthcare and their working conditions”Town Meeting TV, “Put workers and patients first! - Solidarity town hall meeting with UVM Medical Center unions”Olivia Gieger, VT Digger, “UVM Health cuts 142 jobs — an estimated $9.5 million in staff positions”Featured Music: Jules Taylor, Working People Theme SongCredits: Audio Post-Production: Jules TaylorBecome a supporter of this podcast: https://www.spreaker.com/podcast/the-real-news-podcast--2952221/support.Help us continue producing radically independent news and in-depth analysis by following us and becoming a monthly sustainer.Follow us on:Bluesky: @therealnews.comFacebook: The Real News NetworkTwitter: @TheRealNewsYouTube: @therealnewsInstagram: @therealnewsnetworkBecome a member and join the Supporters Club for The Real News Podcast today!

You are losing sales every time a customer says it is too expensive, they need to talk to their spouse, or they want to check with another agent first. On August 20th at noon CST, Michael is teaching a free live training on exactly how to overcome objections in the auto conversation.

You need proper women's healthcare for perimenopause, menopause, postmenopause, and every other touchpoint in midlife. This week's guest believes healthcare should be rooted in science, guided by experts, and covered by insurance. Dr. Kathleen Jordan is the Chief Medical Officer of Midi, the largest virtual clinic for women in midlife. Hear Midi's multidisciplinary approach to menopausal & perimenopausal care, how the company has grown exponentially since its start 5 years ago, and how the company caters to each era of the patient's journey. Learn about how Midi uses AI as a women's healthcare company and how the company hires the expert providers they need. Tune in to this episode to learn about how MIdi is providing much-needed women's healthcare for women in midlife.   Learn more: Dr. Kathleen Jordan Midi Midi LinkedIn   Today's Hot Flash and other stats from: National Cancer Institute (NCI)

The United States outspends every other country on Earth on healthcare but shockingly does not have the best outcomes and ranks 32nd in terms of life expectancy. Switzerland spends less and does better. Plucky little Canada ranks 22nd in the world. Kim Moon is back to explain why more spending doesn't equal better outcomes and what really drives higher health care costs. Also, a comparative analysis of the US and Canadian healthcare systems: what works and what doesn't in each country.   Become a supporter of our show today either on Patreon or through PayPal! Thank you! http://www.patreon.com/thebodyofevidence/ https://www.paypal.com/donate?hosted_button_id=9QZET78JZWCZE   Email us your questions at thebodyofevidence@gmail.com. Hosts:     Christopher Labos & Kim Moon Editor:    Robyn Flynn Theme music: “Fall of the Ocean Queen“ by Joseph Hackl Rod of Asclepius designed by Kamil J. Przybos Chris' book, Does Coffee Cause Cancer?: https://ecwpress.com/products/does-coffee-cause-cancer   Obviously, Chris is not your doctor (probably). This podcast is not medical advice for you; it is what we call information. References: The richest Americans live about as long as the poorest Europeans, study says : NPR   U.S. Health Care from Global Perspective 2026 Expanded Edition | Commonwealth Fund   How does U.S. life expectancy compare to other countries? - Peterson-KFF Health System Tracker   Hospital Global Budgeting: Lessons from Maryland and Selected Nations   The U.S. Health Disadvantage and Why It Matters to Business - Community Health and Economic Prosperity - NCBI Bookshelf   Expanding healthcare capacity in Canada: the potential of internationally trained physicians - ScienceDirect   Troubling Diagnosis: Comparing Canada's Healthcare with International Peers – C.D. Howe Institute   Life expectancy at birth: Health at a Glance 2025 | OECD   Seven reasons why Americans pay more for health care than any other nation   Canada | Commonwealth Fund   State of Health Insurance Coverage in U.S.: 2024 Biennial Survey | Commonwealth Fund   Health Spending - International Comparison of Health Systems | KFF   Canadians need doctors. These strategies from around the country aim to find them | CBC News   ‘You Aren't Trapped': Hundreds of US Nurses Choose Canada Over Trump's America - KFF Health News   COMMENTARY: 5 affordable ways to improve Canadians' access to health care in 2026 | CMA

In this episode of The Marketing Rapport podcast, host Tim Finnigan sits down with Andrew Filar, Co-Founder and CEO of Next Call Club, to unpack what's really happening inside the insurance lead economy — and why the old "buy more leads" mindset is quietly costing agencies their profitability. Andrew traces his journey from cold-calling commercial auto prospects at a State Farm office to running one of the largest Allstate scratch agencies in the country, and finally to building Next Call Club, an aggregator-plus-consultative-partner model designed to help agents hit real cost-per-acquisition targets.The views, thoughts, and opinions expressed are those of the speaker and do not necessarily represent the views, thoughts, and opinions of ActiveProspect. The material and information presented here is for general information purposes only.This podcast is not intended to replace legal or other professional advice. The Lead Intelligence, Inc. (dba InfutorData) and ActiveProspect LLC names and all forms and abbreviations are the property of its owner and its use does not imply endorsement of or opposition to any specific organization, product, or service.ACTIVEPROSPECT DISCLAIMS ALL LIABILITY ARISING OUT OF ANY INDIVIDUAL'S USE OF, REFERENCE TO, RELIANCE ON, OR INABILITY TO USE THIS PODCAST OR THE INFORMATION PRESENTED IN THIS PODCAST.

Senior Associate Editor Dave Pilla discusses AM Best's 2026 rankings that show California still leading the nation in private passenger auto direct premiums written, followed by Texas, Florida, New York and Georgia.

Sarvam AI began with an ambitious proposition: build foundational AI models in India. It must now prove that those models can support a viable business. Co-founder Pratyush Kumar explains to Himanshi Lohchab the company’s expansion into compute, inference, customised models and enterprise applications, while Peak XV Partners MD Rajan Anandan lays out the investment case. They discuss NVIDIA’s backing, the economics of voice AI, Sarvam’s enterprise adoption and why specialised models could be cheaper than global frontier systems. The conversation also confronts the capital required to remain competitive, India’s weak R&D spending and the central question facing Sarvam: can technical capability translate into durable revenue?Tune in.You can follow Himanshi Lohchab on her social media: X and Linkedin Check out other interesting episodes like - Cognizant’s Surya Gummadi on How AI Can Deliver Returns, The Future of Insurance in India | Sarbvir Singh of PB Fintech, Groww’s ₹6,600 Cr Leap - Fintech’s Big Market Test Begins , OML CEO on the Creator Economy’s Next Wave & much more. Catch the latest episode of ‘The Morning Brief’ on The Economic Times Online, Spotify, Apple Podcasts, JioSaavn, Amazon Music and Youtube.See omnystudio.com/listener for privacy information.

Wildfire insurance is changing, but many homeowners, HOA boards, and property managers still do not know which mitigation improvements carriers recognize—or how completed work should be documented. In this episode of All Things Wildfire, we sit down with Andrew Engler of Rock Rose Risk, a retail insurance broker focused specifically on wildfire and working with 27 carriers across homeowners and commercial properties. Andrew explains the difference between macro mitigation, including community fuel breaks, utility hardening, terrain, and fire-department access, and micro mitigation, including Zone 0 clearance, Class A roofing, ember-resistant vents, and parcel-level vegetation management. We also discuss: How mitigation may affect insurability and insurance pricing Why Firewise and Fire Safe Council leadership matters The importance of annual fuel management and updated ground-level data Admitted and non-admitted wildfire carriers The role and limitations of the California FAIR Plan Why aggregation risk prevents one carrier from insuring every home in a community How brokers translate mitigation work into information underwriters can evaluate Why communities should make themselves attractive to multiple carriers Andrew also shares why homeowners should not assume that nothing can be done simply because they live in a high wildfire-risk area. The central takeaway: mitigation is most powerful when it is coordinated, maintained, documented, and presented to carriers that understand the work. Listen now to learn what homeowners and communities can do to become more insurable. Insurance availability, pricing, and discounts vary. Mitigation does not guarantee coverage, premium savings, or protection from loss.  

Shoot Us A Message! Struggling to grow when your best move feels too risky to make? We discuss how to scale a P&C agency from scratch. The episode focuses on the transition from a small startup to a 50 employee operation by implementing specific outbound dialing processes and hiring the right producers. Guest Dan Garzella, owner of The Garzella Group, explains his journey of building an agency empire starting with only 500 dollars.If you are looking to scale your outbound efforts and improve lead generation, check out TeleDudes / Telefunnel.Connect with Dan Garzella: https://www.linkedin.com/in/daniel-garzella-87944510Key Takeaways and Timestamps 0:00 Introduction to scaling a P&C agency 2:45 Starting an agency with 500 dollars 7:12 The reality of outbound dialing for growth 12:35 Hiring producers and building a 50 employee team 18:50 Systems for consistent lead generation 25:10 Managing agency valuation and long term scalingThe Insurance Dudes ResourcesJoin the Agent Elite: https://www.skool.com/agenteliteBest Seller: https://MillionDollarAgencyBook.comInsurance Dudes Files: https://blog.theidudes.comTeamIQ: https://teamiq.theidudes.comTelefunnel Lead Callers: https://theidudes.comILB: https://insuranceleadbrokers.comInsurance Agency Trader: https://trader.theidudes.comIf this helps, subscribe and hit the bell so you can catch every episode.Follow UsFacebook: https://www.facebook.com/theinsurancedudesLinkedIn: https://www.linkedin.com/company/the-insurance-dudes-podcastInstagram: https://www.instagram.com/insurancedudespodcast Support the showHey there! Thank you for listening! We'd be SUPER GRATEFUL for a subscribe!And a review over on the Apple Podcasts would be incredible!Check out our newsletter, webinar, and some great Internet Lead tactics at The Insurance Dudes Homepage.We appreciate you!Craig Pretzinger & Jason FeltmanThe Insurance Dudes

What happens when you stop treating insurance as just a sales career and start building something that can impact clients, agents, families, and entire communities? In this episode of the Life Insurance Academy Podcast, Roger Short sits down with Gabriel Tovar, founder of Tovar Financial Group, to unpack the lessons Gabriel has learned across 28 years in the insurance industry. Gabriel's journey started after an unexpected injury forced him to reconsider his future. A simple invitation to "come and see" the insurance opportunity eventually changed the trajectory of his life and his family. Nearly three decades later, Tovar Financial Group has grown into a multi-vertical agency serving clients through life insurance, Medicare, health insurance, and retirement solutions while expanding its reach across multiple states. Gabriel and Roger discuss why the Hispanic market remains a tremendous opportunity for agents willing to educate, serve, and earn trust rather than simply sell products. Gabriel explains how becoming deeply involved in the communities Tovar Financial Group serves has helped create lasting relationships, referrals, and growth. They also dive into the importance of building an agency capable of serving clients across multiple insurance verticals. Gabriel shares how he spent years mastering life insurance, retirement planning, Medicare, and health insurance—and why agents don't have to become experts in everything overnight to ultimately provide more comprehensive service. But some of the biggest lessons in this conversation have nothing to do with products. Gabriel explains how investing in mentorship, training, relationships, and the right rooms completely changed the trajectory of his business. After nearly 20 years without strong systems or mentorship, getting around people operating at a higher level helped him expand his vision, implement better processes, and begin building a true agency. If you're an insurance agent trying to grow, an agency owner looking to reach the next level, or someone considering whether this industry could change your life, this conversation is a powerful reminder: Sometimes your biggest breakthrough begins with getting around the right people, investing in yourself, and being willing to take the next step. In this episode: • Gabriel Tovar's 28-year journey in insurance • Why the Hispanic insurance market remains underserved • Building trust instead of chasing transactions • Serving clients across life, Medicare, health, and retirement • How community involvement creates opportunity • Why mentorship transformed Tovar Financial Group • The difference between viewing training as an expense versus an investment • Why your environment and relationships matter • Building an agency that develops people—not just production • Creating freedom while keeping family at the center As Gabriel explains, products and compensation can be figured out—but being in the right environment, surrounded by the right people, can determine how far you ultimately go. Subscribe to the Life Insurance Academy Podcast for more conversations designed to help insurance professionals grow their production, businesses, leadership, and impact.  

Greg Foss is back. After stepping away from Twitter and spending time on Nostr, the veteran credit analyst explains what pulled him back: young people reaching for socialism, and credit markets he sees as far less healthy than equities. The credit default swap thesis. Foss walks through his method: take the CDS spread on U.S. government debt, multiply by total obligations including unfunded liabilities, then compare that to Bitcoin's market cap. He flagged his spread number as from memory. Why insurance, not a risk asset. Most holdings are short volatility: when volatility rises, they fall. Foss argues Bitcoin should do the opposite, and credits BlackRock's Larry Fink as one of the few in traditional finance framing it that way. The rate the Fed does not control. Warsh has suggested AI productivity gains leave room to cut. Foss points instead to the 10-year Treasury, set in the open market, which could rise if investors demand more for U.S. credit risk. Credit markets are flashing before equities. A listener asked about widening CDS spreads across AI infrastructure names. Foss compared NVIDIA's vendor financing to Nortel and Lucent in 2000, and pointed to CoreWeave's tight debt service covenant. Banking is a leveraged business. From inside an insolvent Bank of Boston in 1992, Foss saw the math up close: roughly $5 of equity behind every $100 loaned. He argues Bitcoin can act as a safety net against that fragility. Bitcoin mining versus AI data centers. Miners can switch off in seconds and chase stranded energy; AI workloads cannot. Suze raised UK curtailment spending and ERCOT's grid balancing record, and asked whether mining gets built into AI sites. What the ETFs changed. Foss says a Wall Street wrapper was necessary for institutional allocation, while raising the paper Bitcoin question. He runs a 5% of global assets thought experiment, stressing he is not certain it happens. Treasury companies as an evolution, not an endpoint. Foss says he admires Michael Saylor without admiring every lever pulled, notes the premium to underlying Bitcoin has collapsed toward parity, and expects these vehicles to matter less over time. Bitcoin as collateral, and pensions inching in. Foss calls Bitcoin pristine collateral and a natural extension of lending. Dom described recommending it to pension boards years ago and pointed to a Michigan 13F filing adding to its position.

-8/12/26- Chuck Talks About The News That He Finds!Coke,  Cameras, Insurance, Food Surprises,And Much More On This Episode Of Casually Uncomfortable, News Edition!Call the showhttps://www.speakpipe.com/CasuallyUncomfortable

Rena Strohmeier is the Underwriting Manager at Wawanesa Insurance and a San Diego State University faculty lecturer, teaching insurance and risk management classes. She is a member of the Executive and Leadership Council of the CPCU Society, and holds CPCU, AIC, and AINS designations. Here, she joins Chris Hampshire on In The Know for a conversation about working for a California-only insurer, global insurance interests, and insurance careers for women and offerings for underserved communities.   Key Takeaways ● Rena's career path started in auto theft. ● Underwriting or claims? CPCU helped determine Rena's decision. ● Insights into personal lines. ● Why insurance? Rena shares her personal answer. ● Women In Leadership offerings. ● Rena's involvement with the CPCU Society. ● Rena's role as guest lecturer at San Diego State University. ● The current state of the California insurance industry. ● A five-year look to the future of the industry. ● Rena's advice to her early career self.   In the Know podcast theme music written and performed by James Jones, CPCU, and Kole Shuda of the band If-Then.   To learn more about the CPCU Society, its membership, and educational offerings, tools, and programs, please visit CPCUSociety.org.   Follow the CPCU Society on social media: X (Twitter): @CPCUSociety Facebook: @CPCUSociety LinkedIn: @The Institutes CPCU Society Instagram: @the_cpcu_society   Quotes ● "The partnership between underwriting and claims is a very good one that we should think about more in the industry." ● "Women — there is a space for you in this industry." ● "If you know what you're passionate about, reach out, and someone can help connect that to insurance." ● "The possibilities and probabilities of success and building generational wealth and creating a legacy, I'd say, are greater in insurance than any other industry out there."  

Fewer EPA headlines can feel like a green light, but environmental liability does not disappear when oversight fades. We sit down with CRC environmental specialists Harrison Scheider and Dustin Helmenstein to unpack the biggest misconception we hear from insureds and even seasoned agents: “less regulation means less environmental risk.” The laws that create liability largely remain, and the pollution exclusion in GL and property policies can turn an everyday incident into a painful coverage surprise.We dig into what makes environmental claims so tricky, and along the way, we connect the dots for common insured profiles including contractors, manufacturers, real estate owners, habitational and hotel risks, healthcare, and municipalities, plus what faster permitting and accelerated construction can change on the ground.To keep it practical, we share four questions retail agents can use right now to uncover exposures early, create better renewal conversations, and avoid relying on limited GL endorsements that are not true affirmative pollution coverage. If you want a clearer, more confident way to talk environmental insurance, pollution liability, and coverage gaps with clients, hit play and take notes.  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!

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Keith Golembiewski, AVP and director of annuity research, LIMRA, discusses the forces behind record annuity sales, rising demand for retirement security and the key trends driving the next phase of annuity growth and innovation.

Getting workplace law advice after you get a complaint is like fixing a schedule after the shift's over. In this episode of The Pre-Shift Podcast, we sit down with Felice Ekelman, a principal at Jackson Lewis who leads the firm's restaurant industry group, to talk about the compliance mistakes that catch multi-unit operators off guard. Felice walks through why state and local rules don't travel with you from one location to the next, what "audit-proof" really looks like on paper and on the floor, and what the no-tax-on-tips provision means. Whether you're running two locations or twenty, her approach to hiring, classification, and training offers practical steps for operators looking to reduce risk as they grow.Key TakeawaysCall Early, Not After: Hear why the operators who end up needing a workplace lawyer are usually the ones who consult one before opening.Not All State Rules Are Alike: Discover why assuming your California playbook works in New York (or vice versa) is one of the most common mistakes multi-unit operators make, and why highly regulated states like California, New York, Illinois, and Massachusetts require their own separate approach to wage transparency, scheduling notice, and break penalties.What "Audit-Proof" Actually Means: Learn the checklist Felice runs with clients: an updated handbook, the right posters, compliant I-9s, matching time and pay records, and clocked meal breaks instead of automatic deductions.The Title Never Decides the Case: Understand why calling someone a manager, a sous chef, or a shift lead doesn't determine whether they belong in the tip pool or qualify for overtime exemption. What matters is what the person actually does on shift, not their title.Transparency Builds Trust in the Tip Pool: Hear why the biggest tip pool problems come from staff not understanding who's in the pool and how much they're getting, and why showing the math every shift cuts down on disputes.Training Is Where the Real Risk Sits: Discover why Felice sees management training on EEO, wage and hour rules, accommodations, and consistent discipline as one of the highest-value investments an operator can make, since most legal exposure comes from a manager's split-second call.What New Rules Require From Your Payroll Provider: Learn why tax only applies to a portion of overtime pay, and why your payroll provider needs to be told, specifically, to separate that line item since it won't happen automatically.ResourcesMore about Felice https://www.jacksonlewis.com/people/felice-b-ekelmanContact Felice at Felice.Ekelman@jacksonlewis.comChapters00:00 Meet Felice Ekelman00:55 Call Your Lawyer Early02:55 Multi-Unit State Law Traps04:27 Staying Ahead of Changes07:34 California Compliance Minefield09:22 Audit Proof Your Operation13:49 Misclassification and Accommodations16:07 Hourly vs Salary Exemptions19:16 Tip Pool Rules and 80/2023:41 Training Managers for Compliance28:20 Insurance and Prevention Mindset29:16 No Tax on Tips: What to Do33:17 Contractors and Noncompetes36:44 Top Priorities: Pay and I-9s38:31 Key TakeawaysSend us Fan Mail

AI is transforming aviation—but in a high-stakes industry, using artificial intelligence without the right data, safeguards, and grounding can create serious risks. In Aviation Insurance Podcast Episode 128, host Tim Bonnell Jr. shares Part 1 of a TriVector Labs webinar exploring how AI is being integrated into aviation workflows and why aviation professionals need to understand the difference between general-purpose AI and technology grounded in verified aviation data. Together with Danny Maco and Art Jimenez of TriVector Labs, Tim discusses why aviation requires a different approach to AI. From regulatory requirements and flight planning to data security and risk management, the information behind an AI-generated answer matters. The team also puts this into practice by comparing a standard ChatGPT-generated IFR flight plan with Avia Pilot, an aviation-specific AI solution grounded in sources such as FAA and NOAA data. The comparison demonstrates how seemingly convincing AI answers can contain incorrect altitudes, nonexistent navigation points, and other inaccuracies when the underlying system isn't properly grounded. For pilots, aviation businesses, insurance professionals, and anyone exploring AI in aviation, this episode provides an important framework for adopting AI without losing sight of safety, accuracy, security, and human expertise.

Our CIO and Chief U.S. Equity Strategist Mike Wilson discusses a new market cycle, in which investors are demanding more than just growth from companies.Read more insights from Morgan Stanley.----- Transcript -----Mike Wilson: Welcome to Thoughts on the Market. I'm Mike Wilson, Morgan Stanley's CIO and Chief U.S. Equity Strategist. Today on the podcast I'll look at an important shift in what the market wants to see from companies going forward. It's Tuesday, August 11th at 11:30 am in New York. So, let's get after it.This week I am going back to our broadening thesis – but with a slightly different twist. Earlier in the year, broadening was about beta. It was about the market moving beyond a narrow set of mega-cap winners and rewarding economically sensitive areas as the rolling recovery took hold. In the last few episodes I've talked about how that phase is now over. And we're moving from an early-cycle broadening into a mid-cycle quality rotation. In short, the market is no longer demanding just growth – but growth with durable earnings, strong margins, and free cash flow. To be clear, the broadening in earnings is still very much alive. Russell 3000 median stock earnings growth is running at 15 percent, the strongest since 2021; while median sales growth is at 8 percent, the best since 2023. At the same time, 87 percent of S&P 500 companies are beating earnings expectations this quarter, and earnings revisions breadth has rebounded to 23 percent, with 76 percent of industry groups showing positive revisions breadth. However, headline earnings are no longer enough for stock outperformance. The market is saying, ‘Show me the money'— and that's exactly what should happen in a mid-cycle transition. When companies raise both earnings and free cash flow estimates, they are rewarded. When they only raise earnings and not free cash flow, the market is much less forgiving. Investors are no longer paying indiscriminately for growth. They want cash conversion. This is also why I think AI adoption remains such an important theme. The market is increasingly rewarding companies that can demonstrate real efficiency gains from AI, not just talk about the open-ended opportunity in abstract terms. That is a very different phase for the AI cycle. The first phase was about building the infrastructure. The next phase is about who uses it well. Companies that can translate AI adoption into better margins, better productivity, and better free cash flow should continue to be rewarded. In other words, AI is becoming less about the promise and more about the evidence.That framework tells us where to be positioned. I continue to favor quality and AI adopters. Within Financials, I prefer large-cap Financial Services, particularly Insurance and Capital Markets exposed businesses, where earnings revisions are inflecting and our regime analysis remains supportive. Within cyclicals, I like Discretionary Goods, where the wallet-share shift from services to goods, improved pricing, and better earnings revisions all point to catch-up potential. In Tech, I continue to prefer hyperscalers over semis. Semis can still participate tactically, especially after recent momentum unwinds, but the hyperscalers offer a better multi-month risk-reward. They have resilient core businesses, attractive relative valuation, and underappreciated optionality around AI-related ROI and adoption. Just as important, they are not only enablers of AI, but they are early adopters. They have the flexibility to spend less if the market becomes more demanding about capex discipline. In terms of remaining market risks for this year, I'm still watching interest rates and oil very closely. A gradual rise in nominal yields alongside strong economic and earnings data is not necessarily bearish. In fact, historically, that has been one of the better environments for equities because it brings back my ‘run it hot' theme. Stronger nominal growth supports revenues and earnings. The problem is not the level of rates. It is the pace of change. If back-end yields rise too quickly, the cost of capital becomes a headwind for stock valuations.Bottom line, the broadening is still happening, but the market is raising the bar. Early-cycle beta is giving way to mid-cycle quality. Earnings are broadening, but free cash flow is also necessary to be fully rewarded. AI is still an important market driver, but the market wants measurable benefits and the leadership is becoming more selective within sectors rather than across them. This shift may make the market feel less euphoric in the short term, but also healthier and more sustainable in my view. This is not a market that is simply chasing momentum any more. It is starting to separate the companies that can simply talk about growth from the companies that can convert it into durable free cash flow and longer-term value.Thanks for tuning in; I hope you found it informative and useful. Let us know what you think by leaving us a review. And if you find Thoughts on the Market worthwhile, tell a friend or colleague to try it out!

This week Kristin and I sit down with Matthew Zachary and Jen Singer, two cancer survivors who between them have basically seen every corner of the American healthcare system and lived to write a book about it. Matt founded Stupid Cancer, the organization that essentially created the young adult cancer advocacy space out of nothing back in 2007, and I can personally attest to how much that work has meant to people like me. Jen's journey started with her own aggressive lymphoma diagnosis and years of side effects that followed her long after she was declared "cancer-free." Together they wrote We The Patients: Understanding, Navigating, and Surviving America's Healthcare Nightmare, and we get into all of it: the history of how we got here, why claim denials are basically a business model, and why so few people ever bother to appeal. What I loved about this conversation is that it's somehow both infuriating and genuinely funny, which is exactly what Matt and Jen were going for with the book. We talk about the idea of patients organizing as a political voting bloc the way the NRA does, why transparency (or the total lack of it) is doing so much damage, and why blaming doctors is often just a distraction from the real problem upstream. We also cover some lighter stuff, how Matt and Jen actually met, whether writing a book together nearly ended their friendship, and yes, I finally got to answer where the name Jimothy came from.  Takeaways: Matt Zachary founded Stupid Cancer in 2007, effectively creating the young adult cancer advocacy space that didn't exist before him. Only about 2% of insurance claim denials are ever appealed, even though roughly 80% of appeals eventually get overturned. Jen Singer's aggressive lymphoma went undiagnosed for eight months because her symptoms were dismissed as normal fatigue from being a busy mom. Matt and Jen argue that healthcare denial and delay isn't a system failure, it's the business model working exactly as designed. They believe patients need to organize as a political voting bloc, similar to how the NRA operates, to force real legislative change. — Want more Matthew Zachary and Jen Singer? @TheMatthewZachary @justdxguides https://wethepatients.org To Get Tickets to Wife & Death: You can visit Glaucomflecken.com/live  We want to hear YOUR stories (and medical puns)! Shoot us an email and say hi! knockknockhi@human-content.com Can't get enough of us? Shucks. You can support the show on Patreon for early episode access, exclusive bonus shows, livestream hangouts, and much more! –⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ http://www.patreon.com/glaucomflecken⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠  Also, be sure to check out the newsletter: https://glaucomflecken.com/glauc-to-me/ If you are interested in buying a book from one of our guests, check them all out here: https://www.amazon.com/shop/dr.glaucomflecken If you want more information on models I use: Anatomy Warehouse provides for the best, crafting custom anatomical products, medical simulation kits and presentation models that create a lasting educational impact.  For more information go to Anatomy Warehouse DOT com. Link: https://anatomywarehouse.com/?aff=14 Plus for 15% off use code: Glaucomflecken15 -- A friendly reminder from the G's and Tarsus: If you want to learn more about Demodex Blepharitis, making an appointment with your eye doctor for an eyelid exam can help you know for sure. Visit ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://www.EyelidCheck.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for more information. To get your Henson Razor go to hensonshaving.com/knockknockhi and use code knockknockhi to receive 100 blades for free with the purchase of a razor. Produced by⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Human Content⁠⁠⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

In 1986, 23 survivors, physicians, nurses, attorneys, and community organizers gathered in Albuquerque, New Mexico, for a weekend that would permanently change the language and politics of cancer. Working late into the night, they debated not only strategy, but identity, ultimately declaring that from the moment of diagnosis, every person with cancer is a survivor.This episode traces the social and political forces that gave birth to the modern cancer survivorship movement. As advances in early detection and treatment allowed more people to live beyond cancer, survivors discovered that finishing treatment did not mean returning to normal life. Many faced employment discrimination, loss of insurance, social stigma, infertility, chronic health complications, and a healthcare system that viewed survival as the end of care rather than the beginning of a new chapter.Against the backdrop of the civil rights, disability rights, and community health movements of the 1960s and 1970s, physicians, activists, and survivors challenged medicine's paternalistic culture and demanded a greater voice in decisions affecting their lives. Central to this story are physician and survivor Dr. Fitzhugh Mullan, whose landmark 1985 essay, Seasons of Survival, redefined survivorship as a lifelong continuum, and community organizer Katherine Logan, whose determination united dozens of grassroots organizations into what became the National Coalition for Cancer Survivorship.The coalition's founding established principles that continue to shape oncology today. Survivors were no longer defined solely by disease or treatment outcomes. Their experiences became evidence. Their voices became essential to clinical research, healthcare policy, and patient advocacy. By redefining survivorship as an ongoing experience rather than a destination, the movement challenged medicine to recognize the lasting physical, emotional, financial, and social consequences of cancer.The ideas forged during that weekend in Albuquerque became the foundation of modern cancer survivorship. Nearly 40 years later, the coalition's defining principle, that survivorship begins at diagnosis, continues to influence cancer care, research, policy, and the way millions of people understand life after cancer.RELATED LINKSNational Coalition for Cancer Survivorship⁠National Cancer Institute Office of Cancer Survivorship⁠The New England Journal of Medicine⁠Americans with Disabilities Act (ADA.gov)⁠Library of Congress | Civil Rights History Project⁠White Coat, Clenched Fist by Fitzhugh Mullan⁠FEEDBACKLike this episode? Rate and review The Cancer Mavericks: A History of Survivorship on your favorite podcast platform. For more information, visit CancerMavericks.com. Please send any questions to podcasts@matthewzachary.com.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Inspired by recent discussion among friends, and Greg's switch to a new provider, the boys tackle the enduring issue of health insurance as an expat. There are many companies, many plans, and many pitfalls. Which one do you choose? Ed begins by outlining the main geographic areas of coverage an expatriate must consider, which include coverage in Thailand, in their home country, and during international travel. He notes that many young people mistakenly skip buying health insurance, and while Thai medical care is relatively inexpensive, he strongly advises against going completely uninsured. Next, Greg shares his personal journey, explaining how he transitioned from an excellent corporate policy to a global plan that excluded the United States due to its exorbitant costs. Ed brings up his own strategy, stating that he currently relies on a basic Thai government plan for minor health issues but desperately needs to find a policy that covers major catastrophic events. Greg then reveals that advancing in age caused his insurance premiums to drastically increase, which recently forced him to switch to a more affordable plan that only covers him within Thailand. He advises that many companies are willing to negotiate higher deductibles for lower premiums to help cover major disasters. Later, Ed confesses he frequently travels back to America without any medical coverage, acknowledging the financial risk. He points out that an artificial intelligence program informed him that top Thai hospitals offer world class success rates for major surgeries, proving local healthcare is a smart choice for aging expatriates and coverage in the States might not be necessary.  

In this episode of Making Risk Flow, host Jake Harding brings together ten leaders from across insurance, data, and technology to explore how spatial intelligence, real-time data, and climate modeling are reshaping risk assessment and underwriting. Mark Varley, Simon De La Hoyde, Izik Lavy, Jacob Grob, Joan Saladich, Caroline Grey, Pierre-Henri Janssens, Bryan Falchuk, Jay Wallace, and Nick Franz examine why insurers need more than greater data volumes to gain an advantage. The discussion explores point-of-quote accumulation, property-level geospatial analysis, probabilistic climate intelligence, and the value of embedding spatial context early in underwriting workflows. The group also considers emerging opportunities in post-binding cyber intervention and agricultural risk data, while examining how integrated technology, proactive portfolio analysis, and clean-sheet thinking can improve risk selection, profitability, and long-term competitive advantage across insurance markets.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, Inigo20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL | Bronek MasojadaImplementing ESG in the Insurance and Underwriting Space | Simon Tighe, Chaucer, and Paul McCarney, Moody's

Send us Fan MailWhat happens when a real estate investor carefully underwrites the purchase price, debt, income, and operating expenses, but treats insurance as a number to confirm at the end?In this episode of The Wealth Vibe Show, Vinki Loomba sits down with Guffy Wright, real estate insurance advisor, board member, real estate practice leader at The Mahoney Group, and host of the TMG People First Podcast, to unpack how insurance decisions can directly affect NOI, loan proceeds, property valuation, capital requirements, and long-term portfolio performance.Guffy explains why investors should bring insurance professionals into the acquisition process early, rather than relying only on a T12, offering memorandum, or historical premium that may no longer reflect current market conditions.Key TakeawaysWhy insurance should be underwritten early, not treated as a last-minute operating expenseHow inaccurate insurance assumptions can reduce NOI and materially affect property valuationWhy increasing premiums can lower loan proceeds and create unexpected equity needs or capital callsHow lender insurance requirements may sometimes be negotiated with the right information and professional guidanceHow lender waiver strategies can potentially eliminate unnecessary coverage costs while maintaining appropriate protectionWhy replacement cost, flood exposure, claims history, liability requirements, and property location can materially change pricingWhy Ordinance and Law coverage can become a major financial blind spot when damaged properties must be rebuilt to current codesHow reviewing insurance strategically across a portfolio can help investors better protect cash flow, equity, and long-term wealthA Question Every Real Estate Investor Should ConsiderWhen evaluating a property, are you treating insurance as simply another operating expense, or as part of your underwriting, financing, risk management, and wealth-protection strategy?Guffy's message is clear: bring your insurance team into the deal early.Historical insurance expenses do not always tell you what the property will cost to insure after acquisition. Lender requirements, replacement costs, geography, flood exposure, liability risk, coverage limits, and policy structure can all materially change the economics of a deal.Understanding those risks before closing allows investors to make better decisions before capital is committed.Episode Timeline00:00 – Introduction and episode overview02:15 – Guest background and real estate journey07:40 – Key investment strategy14:25 – Market challenges and opportunities21:10 – Wealth-building and portfolio growth28:35 – Actionable advice for investors34:50 – Final takeaways and closing thoughts

One of the hardest conversations many financial advisors avoid isn't about investments or markets—it's about their own fees. If you've ever looked at your client list and realized your fee schedule has evolved over the years into something inconsistent, you're not alone. In this very candid conversation, Libby sits down with advisor Todd Lester to discuss how he tackled a firm-wide fee increase after more than 30 years in the business. Todd shares the mindset shifts, compliance considerations, communication strategies, and surprising results that came from finally aligning his fees with the value his firm provides.In this episode, you'll learn:Why inconsistent fee schedules create both compliance concerns and fairness issues across your client base, and how to recognize when it's time to make a change.How Todd delegated fee increase conversations to a trusted team member, why that approach worked so well, and what advisors can learn from using a third-party communicator.The biggest fears advisors have around raising fees, why those fears are often exaggerated, and how clients actually responded when presented with the changes.The remarkable outcome of Todd's fee increase project, including the recurring revenue added to his practice, the clients he retained, and the lessons he'll carry into future pricing decisions.If you've been putting off reviewing your fee schedule because the conversation feels uncomfortable, this episode will give you both the confidence and the practical ideas to move forward. You'll walk away with a fresh perspective on pricing, value, and why charging appropriately isn't just good for your business—it's also part of serving clients fairly and sustainably.Join the Systems to Scale Group Coaching Program HERE! Register for the Asset+Map Do It Together Webinar HERE! Check out The First 100 Days Course: The Advisor's Blueprint for a Remarkable Client Experience HERE!Learn more about T2MWorks 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.

What if I told you your biggest growth opportunity is hiding inside your agency? In this episode, I sit down with Rebecca Menefee of M3 to unpack how her team built Elevate, a dedicated small business division that grew from roughly $3.5 million to $11.5 million in revenue in 5 years.We break down how to stop overservicing small accounts, build a service model that actually scales, and create a system that allows clients to grow without outgrowing your agency. You'll also learn how technology and AI are changing client expectations, what it takes to build the right team for small business, and how an overlooked book of business can become a profitable growth engine for your agency.In this Episode, You Will LearnThe service mistake quietly destroying your small business margins.How M3 turned a $3.5M division into an $11.5M growth engine.The hidden opportunity inside the accounts most producers overlook.How to give small clients exactly what they need without overservicing them.The expectation trap that makes great service impossible to sustain.How to build a small business model your producers actually trust.The system that lets clients grow without outgrowing your agency.When keeping your small business book makes sense and when it's time to get out.What to look for when hiring producers who can thrive in a high-volume market.How AI is giving your clients a new way to challenge your advice.The question that can expose a client problem before it costs you the account.How community relationships can become a competitive advantage in small business.The mindset shift that can turn “small accounts” into some of your most valuable long-term relationships.Resources + LinksAccelerate your insurance sales - schedule a discovery call here FollowFollow Andy Neary on LinkedIn for more insurance sales strategies and high-performance insights.Learn more about Complete Game Consulting:https://completegameconsulting.comConnect with Rebecca: https://m3ins.com/person/rebecca-menefee/

Is a Health Savings Account Right for You? Episode 395 – A Health Savings Account, or HSA, is one of very few financial vehicles considered “triple tax advantaged.” You can get a deduction going in, the money grows tax-free, and the money also comes out tax-free. But they're not for everybody as there are some major caveats. More SML Planning Minute Podcast Episodes Transcript of Podcast Episode 395 Hello, this is Bill Rainaldi, with another edition of Security Mutual's SML Planning Minute. In today's episode: is a Health Savings Account right for you? What would you say if someone told you about an investment vehicle where you get a tax deduction going in, the money in the account grows tax-free, and the withdrawals are tax-free when they come out? Such a product exists, but it's not quite that simple. An Individual Retirement Account or IRA doesn't work that way. You get a deduction going in, but you pay income tax when you take the money out. A Roth IRA lets you take the money out tax-free (with certain qualifications), but you don't get a deduction when you put the money in. A Health Savings Account, or HSA, is one of very few financial vehicles considered “triple tax advantaged.”[1] You can get a deduction on monies going in, the money grows tax-free, and the money also comes out tax-free. But there are some major caveats to understand. HSAs don't work for everyone. Only certain people can contribute, and when you take the money out, there are some conditions that need to be met if you want to take full advantage of the tax incentives. Here's how an HSA works. To contribute, you need to be part of what the Internal Revenue Service or IRS calls a “High-Deductible Health Plan.” The IRS defines a high-deductible health plan as one that requires an annual deductible. A deductible is the amount one must pay out-of-pocket for healthcare before health insurance coverage will share in the costs. In 2026, the minimum deductibles for a high deductible HSA health plan are set at $1,700 for coverage on yourself only, and $3,400 if the coverage includes your family.[2] Also, the out-of-pocket maximum cannot be higher than $8,500 for self-only coverage and $17,000 for family coverage. There are more rules. To contribute to an HSA, you can't be enrolled in another plan that is not considered HSA-eligible, nor can you be someone claimed as a dependent on someone else’s tax return. If you're not sure whether your plan qualifies, you will need to ask either the benefits administrator where you work or the plan provider. And for the record, Medicare does not count as a high-deductible medical plan. So, you can't participate in an HSA if you're covered by Medicare. As with almost any tax-advantaged investment vehicle, there are contribution limits. For 2026, you can contribute up to $4,400 for yourself, or $8,750 if your high-deductible plan covers your family.[3] And much like a 401(k), your employer can match your HSA contribution. In fact, in 2024 approximately 84 percent of employees covered by a qualified HSA health plan also received a contribution from their employers.[4] Note that the limits above are overall limits that include both the employee and, if applicable, employer contributions. Then there's the issue of distributions from the account. Distributions can be tax-free, but with some significant restrictions. To be tax-free, the distributions must be used for what the IRS calls “qualified medical expenses.” And what are qualified medical expenses? These might include hospital care, ambulance services, hearing aids, lab fees, dental and vision care, and other things. You can even use an HSA for health-care-related travel, massage therapy and substance abuse treatment.[5] [6] An HSA can be used for expenses both big and small. If your distribution doesn't meet the qualifications, any withdrawals after age 65 are considered fully taxable, like a traditional IRA or 401(k). Before age 65 there is also a 20 percent early withdrawal penalty. This means that, if necessary, you could treat an HSA as a secondary retirement plan. But of course, if you have qualified medical expenses that need to be paid, the taxation incentive would make them a better option. When it comes time to withdraw money as needed, you can either pay the provider directly from the HSA account (many providers offer the use of a debit card tied to the account) or pay the provider yourself and get reimbursed from the account.[7] Note that an HSA is different from a Flexible Spending Account or FSA. An FSA is another, albeit generally less popular, type of account designed to help with medical expenses. The employer generally owns an FSA, whereas the employee owns an HSA. But an FSA is also, in most cases, a “use it or lose it” type of account. At the end of the year (plus an optional grace period), you lose any money that's left over in your FSA.[8] Also note that in most circumstances, you can have a general-purpose FSA or HSA, but not both.[9] An HSA has no such restriction when it comes to how long it takes to use it. If you don't spend the money, it rolls over within the account. It belongs to you forever, even if you switch jobs. Of course, these sums, invested over several decades, can amount to a significant amount of money by the time you use them. Compounding plays a role here just like most other investment vehicles, only this time it may all be potentially tax-free. One final thought about HSAs. As we've mentioned before, the cost of health care for seniors can be staggering. According to Fidelity, a 65-year-old individual may need an after-tax total of $172,500 to cover the cost of health care expenses in retirement.[10] In the right circumstances, an HSA can be a tax-efficient way to fund some of those costs. [1] Fidelity Learn. “What is an HSA, and how does it work?” Fidelity.com. https://www.fidelity.com/learning-center/smart-money/what-is-an-hsa (accessed July 23, 2026). [2] Fidelity Learn. “HSA contribution limits and eligibility rules for 2026 and 2027.” Fidelity.com. https://www.fidelity.com/learning-center/smart-money/hsa-contribution-limits (accessed July 23, 2026). [3] Id. [4] Fidelity Learn. “What is an HSA, and how does it work?” Fidelity.com. https://www.fidelity.com/learning-center/smart-money/what-is-an-hsa (accessed July 23, 2026). [5] MetLife. “What Can I Use My HSA for in 2026?” MetLife.com. https://www.metlife.com/stories/benefits/hsa-qualified-expenses/ (accessed July 23, 2026). [6] Miller, Kathryn. “What clients miss about HSAs — and how advisors can help.” Financial-Planning.com. https://www.financial-planning.com/news/what-clients-miss-about-hsas-and-how-advisors-can-help (accessed July 23, 2026). [7] Fidelity Learn. “Spending with your HSA.” Fidelity.com. https://www.fidelity.com/go/hsa/how-to-spend (accessed July 23, 2026). [8] Healthcare.gov. “Using a Flexible Spending Account (FSA).” Healthcare.gov. https://www.healthcare.gov/have-job-based-coverage/flexible-spending-accounts/ (accessed July 23, 2026). [9] Fidelity Learn. “HSA contribution limits and eligibility rules for 2026 and 2027.” Fidelity.com. https://www.fidelity.com/learning-center/smart-money/hsa-contribution-limits (accessed July 23, 2026). [10] Fidelity Learn. “What is an HSA, and how does it work?” Fidelity.com. https://www.fidelity.com/learning-center/smart-money/what-is-an-hsa (accessed July 23, 2026). More SML Planning Minute Podcast Episodes This podcast is brought to you by Security Mutual Life Insurance Company of New York, The Company That Cares®. The content provided is intended for educational and informational purposes only. Information is provided in good faith. However, the Company makes no representation or warranty of any kind regarding the accuracy, reliability, or completeness of the information. The information presented is designed to provide general information regarding the subject matter covered. It is not to serve as legal, tax or other financial advice related to individual situations, because each individual's legal, tax and financial situation is different. Specific advice needs to be tailored to your situation. Therefore, please consult with your own attorney, tax professional and/or other advisors regarding your specific situation. To help reach your goals, you need a skilled professional by your side. Contact your local Security Mutual life insurance advisor today. As part of the planning process, he or she will coordinate with your other advisors as needed to help you achieve your financial goals and objectives. For more information, visit us at SMLNY.com/SMLPodcast. If you've enjoyed this podcast, tell your friends about it. And be sure to give us a five-star review. And check us out on LinkedIn, YouTube and Twitter. Thanks for listening, and we'll talk to you next time. Tax laws are complex and subject to change. The information presented is based on current interpretation of the laws. Neither Security Mutual nor its agents are permitted to provide tax or legal advice. The applicability of any strategy discussed is dependent upon the particular facts and circumstances. Results may vary, and products and services discussed may not be appropriate for all situations. Each person's needs, objectives and financial circumstances are different, and must be reviewed and analyzed independently. We encourage individuals to seek personalized advice from a qualified Security Mutual life insurance advisor regarding their personal needs, objectives, and financial circumstances. Insurance products are issued by Security Mutual Life Insurance Company of New York, Binghamton, New York. Product availability and features may vary by state.​ SubscribeApple PodcastsSpotifyAndroidPandoraby EmailTuneInDeezerRSSMore Subscribe Options

Shawn Needham, R.Ph., talks about how to pay for healthcare without insurance. Moses Lake Professional Pharmacy Website | http://mlrx.com.com/ Facebook | https://www.facebook.com/MosesLakeProfessionalPharmacy/ Shawn Needham X| https://x.com/ShawnNeedham2 Shawn's Book | http://mybook.to/Sickened_The_Book Additional Links https://linktr.ee/mlrx

You may have no plans to sell your agency. But if someone wanted to buy it tomorrow, what would they find? We look at what makes an insurance agency valuable: from clean financials and organized customer data to documented processes, carrier concentration, policies per customer, and an agency that can operate without everything living in the owner's head. When you break down the things a potential buyer would notice, your agency will run more profitability and efficiently.Learn more at IntegraPartnerNetwork.com.

Send us Fan MailSteve Straub jumps into the studio to share his experience entering entrepreneurship not through starting his own business, but how his experience uniquely positioned him to be able to acquire and merge to hit the ground running joining Nova Insurance Group alongside host Dawson Fields.In this episode, Steve shares his unconventional career path—30 jobs from parole officer to defense contractor, from a shoe shiner to a military export specialist—all of which taught him vital lessons about service, resilience, and adaptability. His experience navigating a 50-hour travel odyssey for a job interview reminds you that perseverance and creativity unlock opportunities others only dream of. In this Episode:How early jobs like shoe shining and caddying built foundational sales and service skills that still drive him today The behind-the-scenes story of jumping from corporate America into insurance and what it takes to succeed on your own terms Why embracing chaos and variety keeps his work fresh, exciting, and filled with growth. The importance of loving people through insurance—not just selling policies but delivering impact To connect with Steve you can reach him at: Steve@novainsurancegroup.comTo connect with Dawson you can reach him at: Dawson@novainsurancegroup.com

Upcoming Events GROW! Snow | September 22 to 23, 2026 An in-person event built for snow leaders and their teams. Two days of snow-specific breakout sessions, a facility tour, and content designed to drive real change at your business. Details coming soon. Snowfighters Institute Webinars: Join us live for monthly webinars built to help snow pros run stronger, more profitable operations. All sessions run 10:00 to 11:00 AM. Finding & Managing Subcontractors | Tuesday, August 11, 2026 How do you find subcontractors who actually show up when it snows? Capacity Planning | Tuesday, September 8, 2026 How do you determine your true operational capacity? Recruiting | Tuesday, October 13, 2026 Why can't you find good people to hire, and what can you do about it? Incentive Compensation & Rewards | Tuesday, November 10, 2026 Are your bonuses and rewards actually driving the results you want? Client & Employee Appreciation | Tuesday, December 8, 2026 Are you truly appreciating your clients and employees, or just going through the motions? See the full webinar list → Robert Holmes, founder of Spectrum Weather and Specialty Insurance, joins Phil to demystify weather insurance for the snow and ice industry. From explaining what an independent broker actually is, to walking through real-life examples of how contractors use lack-of-snow policies to protect equipment rentals, collateralize operating loans, and build client-loyalty credits, Robert shows why weather insurance isn't just for the biggest operations. He also shares the story of his 18-year path from research meteorologist and Antarctic weather-station builder to founder of a family-run brokerage that helps contractors turn weather risk into a Lego box of solutions. Key Learnings Know the Difference Between Agent and Broker - An agent works for the insurance carrier, but an independent broker's fiduciary responsibility is to you, which means access to the best coverage across carriers instead of whatever one company sells. Weather Insurance Triggers on Snowfall, Not Expenses - Claims are paid based on measured snowfall against a defined threshold, so you don't have to prove salt costs went up or your labor spend spiked to collect. Airport Measurements Keep Things Clean - Coverage typically uses a central, historically tracked location like a major airport because it's a disinterested third party with reliable data underwriters can price against. Insurance Offsets Big Contract Risk - Landing a large contract usually means renting or buying expensive equipment that has to sit ready, and weather insurance can protect that outlay if the snow doesn't come. Weather Policies Can Collateralize Bank Loans - Snow-only contractors going into winter cash-poor can use a lack-of-snow policy to name their bank as an additional loss payee, giving lenders peace of mind on operating capital loans. Whoever Owns the Risk Buys the Policy - Property managers, HOAs, landlords, and even municipalities buy weather insurance too, so if the risk lives with your client, they might be the buyer instead of you. Buy Insurance Earlier in the Season - As winter approaches, carrier capacity in high-demand markets like Chicago fills up, so a policy that costs $X in August could cost 20% more if you wait until Octob... Chapters (00:00:00) - Welcome and Guest Intro(00:01:32) - What Spectrum Weather Does(00:02:43) - Broker vs Agent(00:04:03) - How Weather Insurance Works(00:06:05) - Why Ice Doesn't Cover(00:07:20) - Where the Snow Gets Measured(00:10:43) - Real World Use Cases(00:13:34) - Who Really Buys the Policy(00:16:09) - Why the Midwest Loads Up First(00:19:32) - The Box of Legos Approach(00:21:52) - From Meteorologist to Weather Derivatives(00:25:00) - Antarctica and Holmes Ridge(00:27:35) - Bringing the Family In(00:29:08) - Final Advice and How to Reach Robert

Episode Detail Season 9 of The Future of Insurance opens with a conversation about what happens when a $10 billion specialty insurer decides its own scale isn't a reason to move slowly. Bryan Falchuk talks with Simon Wilson, CEO of Markel Insurance, about his vision for the specialty market through 2030, and the deliberate choice to ask his teams to double their businesses in five years rather than chase another few points of incremental growth. The conversation moves into how that same mindset shows up in Markel's approach to AI: not bolting tools onto individual tasks, but rebuilding entire underwriting processes end to end — from a brand-new AI-native business built and launched in twelve weeks, to a legal document review process that now runs in minutes instead of weeks, to a grassroots fund that hands frontline employees real budget and real autonomy to solve the problems they see every day. An organization doesn't need to be small or newly founded to reimagine itself. It needs leaders willing to ask a bigger question. Guest Bio Simon Wilson is CEO of Markel Insurance, appointed in March 2025 to lead Markel Group's three primary underwriting businesses — Markel Specialty, Markel International, and Markel Global Reinsurance. He was also named an Executive Vice President of Markel Group in February 2026, reporting to Group CEO Tom Gayner. Wilson joined Markel in 2010 to lead international business development and became the primary architect of Markel International's expansion beyond London, scaling operations across Europe, Canada, and Asia to $2.5 billion in annual gross written premium. He was appointed Managing Executive of Global Strategy for Markel in January 2020, then President of Markel International in 2021, a role in which the division grew gross written premiums by nearly 40% and net underwriting profit by more than 250%. Before joining Markel, he led the Lloyd's Asia platform in Singapore, and spent seven years at Lloyd's prior to that. He has more than 20 years of experience scaling large specialty insurance organizations. Show Notes: The Doubling Question: Markel writes roughly $10 billion of the $700 billion global specialty insurance market — Wilson's read: that's room to grow, not a ceiling. Instead of asking a business leader to grow 5-6%, Wilson asks how they'd double the business in five years, a question designed to surface bigger ideas rather than incremental optimization. New categories are expanding the specialty pool itself: data center risk, satellite and space exposure, and marine war coverage in the Persian Gulf are all recent, fast-growing additions. Guardrail on growth: "Top line is vanity, bottom line is sanity." The doubling mindset is paired with underwriting discipline, not a trade against it. Specialty Insurance's Moment: Wilson draws a parallel to media: just as audiences moved from four TV channels to infinite, personalized content, commercial insureds increasingly want coverage built around their specific risk rather than a generic product. He's candid about a unique challenge: people don't want to buy insurance and don't want to use it, which puts pressure on specialty insurers to earn the sale. Rebuilding AI End to End, Not Task by Task: Markel Insurance is now organized into 14 business units (roughly 60 specialisms), each with a single accountable leader charged with reimagining their product and process around AI. Wilson's caution against partial AI adoption: applying it to only one step of a process without rethinking the whole thing creates a bottleneck, "like putting a rocket jet on the back of a bicycle." Cortex, a new AI-native business built end-to-end on Claude with a pricing engine called Hyperexponential, was built in 12 weeks and targets difficult-to-place US casualty risk. Markel's Warranties & Indemnities team in London used the legal AI model Harvey to cut the time to reach a decision-ready view on an M&A data room from about a month to roughly seven minutes, with accuracy Wilson estimates at 97%, a five-point improvement in underwriting pick, and premium in that line more than doubling over the past year. Guardrails, Culture, and Reverse Mentoring: Every large language model Markel staff use runs inside Markel's own environment so company data doesn't leave the firewall — inside that boundary, teams have wide latitude to experiment. Markel's Accelerator Fund put $1 million behind ten employee-pitched AI ideas, built out in six weeks; Wilson expects more than $10 million in returns from that investment in its first year. Wilson credits reverse mentoring — biweekly sessions with a junior colleague — with reshaping how he personally thinks about AI and how the next generation approaches problem-solving. AI as an Equalizer for Small, Specialized Businesses: Wilson argues AI has democratized technology for niche specialty lines that were previously too small to justify major core-system investment, moving technology decisions closer to the underwriters who understand the customer. 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.

Four federal retirement mistakes to avoid. These decisions have a short window to get right — survivor benefit, FEHB, FEGLI, and TSP withdrawals — and for most of them, there's no fixing it later. In this video, Charles walks through exactly what to do with each one, and why the "obvious" move (cancel, take the lump sum) is usually the expensive one.━━━━━━━━━━━━━━━IN THIS VIDEO YOU CAN LEARN━━━━━━━━━━━━━━━- Survivor benefit: the short window to change it — and why you can't count on a fix later- FEHB: why you should SUSPEND, never cancel, your federal health insurance- FEGLI: how a 75% reduction on Basic can cost $0 at 65 — don't just cancel it- TSP withdrawals: why pulling a large lump sum is a one-way doorWhich of the 4 scares you most? Drop a number below

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Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society.   In this episode, Justin interviews RIMS SERMC Member Eric Lobser about his career path at Spire Inc. They discuss his start in Budget Analysis at Laclede Gas, which eventually became Spire Inc. He moved into Operations, Treasury, and then Strategic Planning, including Acquisitions. He continued his career as VP of Enterprise Risk Management. Eric shares how he grew into that position, using knowledge he had gained from all the departments he had worked with. He tells about his early presentations to the Board. Eric explains what ERM means to him, and how ERM helps companies manage risks, including reputation, engage in opportunities, and make the resource allocation decisions that lead to success and mitigate failures.   Listen for Eric's idea to improve the ERM acronym.   Key Takeaways: [:01] About RIMS and RIMScast. [:16] About this episode of RIMScast. Our guest is Eric Lobser. He was a practitioner in the natural gas sector for 35 years. We're going to get his ERM philosophies today. But first… [:42] RIMS-CRMP Workshop. We are delighted to announce that on August 27th and 28th, RIMS President Manny Padilla will be leading the two-day in-person workshop at St. John's University at 101 Astor Place in New York City. A link to the registration is in this episode's show notes. [1:02] RIMS-CRMP Virtual Workshops. RIMS will partner with PARIMA for the RIMS-CRMP Exam Prep on September 1st and 2nd. Registration links are in this episode's show notes. [1:13] Also on the webinars page, you will see a two-part series hosted by the RIMS Membership Department. The "Classroom to Career" webinar series highlights how RIMS equips students with the knowledge, skills, and connections needed to thrive in risk management careers. [1:28] Participants will gain insights into industry trends, career pathways, and practical tools that help them confidently step into the evolving world of risk management after graduation. These sessions will be hosted on September 1st and 9th. [1:41] These sessions are member exclusives and are complimentary for RIMS members, of course. So, if you are interested in becoming a member, this would be the time. Visit RIMS.org/membership. [1:51] RIMS is back on YouTube. Our handle is @RIMSOfficialChannel. We've got plenty of videos there, including RIMScast, RIMScast Canada video podcasts, and other informative and entertaining content from RIMS. Subscribe to the channel today! [2:10] On with the Show! We will take a deep dive into Enterprise Risk Management with Eric Lobser. Eric recently retired from a 35-year career in the natural gas sector. He remained with one company that eventually became Spire Energy. [2:26] Eric is also a member of the RIMS Strategic and Enterprise Risk Management Council. [2:32] We will discuss his career journey, how one role led to the next before settling on Enterprise Risk Management, and his philosophies on what makes ERM truly valuable and why the acronym could use an upgrade. Let's get to it! [2:52] Interview! Eric Lobser, Welcome to RIMScast! [3:17] Justin and Eric met last year during a webinar. Eric has a fascinating career. His entire career was at Spire. Originally, it was Laclede Gas Company. Then it became The Laclede Group, and then Spire. Eric's career was 35 years and some months long. [3:53] Justin says that shows our audience that you can have a risk career at one company. You don't need to jump around. If you're doing well, if you're comfortable, if the company's treating you right, and you're doing a good job. [4:10] Eric says the risk career came later in his life. It was the culmination of a lot of other things he did. He had a varied set of positions at Spire. Over time, it was multiple types of companies. As you go through CEOs, things change. [4:31] Eric says he was there for about five CEOs and got to see many different sides of how business operates. [4:49] Eric says he graduated from Boston College in 1990. It was a tough job market. He wanted a job on the East Coast, but it was an expensive place not to have a job. He went back home. [5:08] His stepfather had a contact at the Laclede Gas Company. He interviewed, and they offered him a position, which he took. Within two weeks, he thought he would be crazy to stay at that company more than a couple of years. He thought it was odd they had a few computers. [5:29] Eric came from a school with a library full of computers. You had to sign up to use them. It taught him to use his mind, and it instilled patience. Those elements have been valuable to Eric's career. [6:06] Eric started as a budget analyst and did that for about a year and a half, in the corporate office in downtown St. Louis. [6:33] Then he was fortunate to move to Operations to do the same sort of work with all the department heads to help them with their budgeting, to translate things from Operations into financial terms and get better relationships with the people who ran the business. [6:53] Eric says he got to understand the business better from the view of the boots on the street. [7:04] Justin asks if risk management and ERM came onto Eric's radar in August 2001, when he became the Managing Director for Strategic Planning and Corporate Development. [7:18] Eric says that he had also worked with property insurance in Treasury. There's a big commodity risk at a natural gas company. There are also market risks and credit risks. [7:33] Eric says Strategic Planning was new to The Laclede Group, taking the budget period and extending it out three years, rolling in strategy and planning. [7:49] Eric helped them to develop software for business planning, custom-made from Access, to help support the Balance Scorecard they rolled out. It included something for Initiatives for making improvements, which were tied to Metrics.  [8:11] There were Action Items. There was a section where you laid out your different risks and what you were doing to mitigate them. The Action Items often required support from other areas. The software would put that into their business plan so they could see it and collaborate. [8:33] Eric says risk management and collaboration are hand-in-hand. [9:09] Eric speaks of a change in leadership, where they went from mostly looking at operational excellence and continual improvement to a more external look at other businesses, at ways to diversify within the gas industry: storage, pipeline, E&P, and more. [9:40] That was the beginning of the thought processes Eric would go through, looking at different businesses; what can go right with them, and what can go wrong. [9:57] Part of modeling acquisitions is taking a look at those scenarios and looking for the probability of a downside, what that downside looks like, and what will drive it. What has to go right to have the best case? What does the base case look like? What are those probabilities? [10:20] Eric says that was the beginning of understanding how risk and business go hand-in-hand. They can't have opportunity without risk. There's no reward without risk. Understanding that was an element of that job. [10:39] Eric was fortunate to have a tremendous boss during that time who helped him gain critical thinking about how things operate. [10:58] Eric says when they were looking at how other companies operate, they were companies within the gas industry, to stay within their knowledge base, and simplify their business, within the natural gas value chain, from wellhead to burner tip. [11:30] They were looking at exploration & production, gathering & processing, pipelines, underground storage, down to uses for it, including compressed natural gas for vehicles and local distribution utilities.  [11:58] Justin suggests that the 13-year period when Eric was in Strategic Planning and Corporate Development, holding several positions, was a key time in his career. Eric says yes, and it was his favorite period. He had gone to school for investment banking and acquisitions. [12:42] Eric says, at the same time, it was a tremendous amount of work. He thought maybe it wasn't the best place to spend his lifetime because of the level of work and stress involved. [13:04] Eric was married and raising a family, and that had to come into play, as well. He says while his wife was extremely patient with him during all those times, sometimes working around the clock, he felt it wasn't the right long-term opportunity for him. [13:20] Eric says one of the things he learned when he was doing acquisitions was developing models for how utilities make money. Eric worked with people who did rate cases at the company, to understand what drove cash flow. [13:47] In doing that, Eric learned how regulations work and how tariffs work. That led to asking himself, if this isn't the right career for me, taking a look at something next to it, which was regulatory and government affairs. [14:27] Eric had already started to learn about it. Once he was in charge, he based it on Missouri regulations. The first acquisition was a company in Kansas City, Missouri. [15:05] The second acquisition was Alagasco in Alabama, and that was a completely different type of ratemaking approach that was annual. They had a formal department. Eric was asked to develop something more formal for the entire company. [15:21] Eric says then they acquired Energy South, which brought them into Mobile and also Mississippi, a third rate jurisdiction. There was a mountain of information to climb. His drive and thirst for knowledge helped him up the curve pretty quickly. [15:53] Eric says relationships and the stuff between the lines are just as important as what you can read about and study. [16:12] Eric says, pulling from his enterprise risk career, one of the impacts is not just financial, but reputation. Reputation is a huge element of rate setting. Your reputation precedes you to the commission that oversees rate case litigation and the parties to the case. [16:47] The parties that are involved include industrials, AARP, low-income groups, an energy efficiency group, and other parties. [17:01] Understanding where they're coming from, and what they're trying to achieve, and working towards something that gives all parties some of what they want, is a key element. [17:18] If you were a bad operator; if you had a significant incident that showed you weren't a safe operator, or you weren't treating your customers well, then going into the rate case, people had their minds set that they wanted to give you not a rate increase but a rate reduction. [17:40] The value of the relationships and the reputation, the stuff that is gray and in between the lines, is not just about what the numbers are but who you are as a business. [17:56] A Quick Break! Many fantastic RIMS events are coming up in 2026. The 11th Annual Chicagoland Risk Forum will return to the Old Post Office on Thursday, September 24th, 2026. Visit ChicagolandRiskForum.org for more information. [18:12] The RIMS Western Regional Conference will be held from October 4th through the 7th in Seattle, Washington. The agenda is live, and registration is open. Visit RIMSWesternRegional.com and the link in this episode's show notes for more information. [18:29] Save the dates: October 18th through the 21st. We will be in Quebec City to celebrate the 50th Live RIMS Canada Conference. Booth sales are open, and sponsorship opportunities are still available. Advance registration is open now. [18:45] Visit RIMSCanadaConference.ca for more information. Also, remember to check out RIMS.org/Canada for our spinoff show, RIMScast Canada, hosted by National Conference Committee Chair, Aaron Lukoni. [19:00] The RIMS ERM Conference 2026 will be held on November 19th and 20th in Columbus, Ohio. Registration is now open. [19:10] Through August 21st, you can nominate a program for the RIMS ERM Global Award of Distinction. If you know of an ERM Program that is award-worthy, we want to hear about it. A link to the nomination form is in this episode's show notes. Visit RIMS.org/ERM2026. [19:29] We're already looking to RISKWORLD 2027, which will be held over four days in New Orleans, Louisiana, from April 18th through the 21st! The call for session proposals is now live and will stay active through August 21st. [19:44] RIMS members can exclusively register by September 4th for the best rate. And get first access to the hotel block. Hotel reservations open on October 28th, ahead of public registration. Sitting this out is the real risk! The link to registration is in this episode's show notes. [20:04] Let's Return to Our Interview with Eric Lobser! [20:31] Justin asks about compliance at a natural gas company. Eric says his career at a critical infrastructure utility delivering a relatively volatile product to people's homes was very safety-oriented with a lot of rules, regulations, and areas of compliance. [21:04] The whole industry faced a need to replace some of its aging infrastructure. That started when Eric was in Treasury and trying to think about how they would afford all the replacements they were going through. [21:22] It came again when Eric was in Regulatory, trying to understand the balance between safety and rates and what's best for the business and what's best for the customer. [21:53] Compliance is not something you can decide to do a little bit or a lot. You have to meet at least the minimum standards. Spire was always at that point but also found the benefit of going beyond that, to deal with it a little bit more strategically. [22:14] Spire was generally a group that looked at opportunities to do replacement in a way that overall was more cost-effective, exceeding requirements on their compliance. Compliance was an enterprise risk. [22:34] Eric says it was not just making sure they were in compliance, but also what the cost of compliance is and what if people change their minds and all of a sudden want us to do this or that? [22:53] Being a regulated utility, your rates are dependent on somebody deciding you deserve to have this. [23:02] Compliance was more often not physical replacement but putting in another pipe beside the old pipe and terminating the old cast iron pipe that had degraded and become a safety issue. [23:26] Spire always paid attention to where they were getting leaks or water potentially getting into the system and areas of geography that had similar types of risk. [23:39] Spire took a strategic approach to look at the information they were getting and figure out where to go and do wholesale changes rather than responding to risks as they popped up. [23:54] Eric says that was the approach where they took compliance and said if we do more, it probably can be better for us and better for the customer to take a better strategic approach. [24:19] Eric says it's inconvenient and sometimes problematic for people when there are workers in the street. Part of Eric's career was dealing with claims and issues that can happen with construction. The construction was necessary to make sure the system was safe. [24:53] Eric says the most prevalent claims were when they were doing excavation and hit something unmapped, like an underground dog fence or sprinkler system. To be cost-effective, they used reliable outside partners to replace these. [26:44] Eric says that every year, when he was in Strategic Planning, he would help put on a two-day conference for the Board to review company strategy and present new ideas. [27:01] Any time they found an acquisition opportunity that met the muster of the executives, they presented that to the Board. [27:!3] Eric says the Board is extremely interested in rate cases, which are the heart and soul of a utility's business. [27:28] Something Eric found helpful later in his career, doing regulatory work, was to pull together parties without overlapping interests, such as the Board and the Public Service Commission, to help them find agreement on why something was beneficial for the customers. [28:58] Eric says, for the first time or two, presenting to the Board was frightening. He was fortunate enough not to be leading the presentations. He reported to officers who helped develop the business planning and strategy. They helped Eric work his way into bigger roles. [29:32] Eric says when he became more involved in doing the modeling, one time he was called by the CEO to speak to the Board while he was on a family vacation. His wife reminds him of this. The Board was very interested in the upside case and downside case of a model scenario. [30:31] Eric says in that phone call he had to give the Board a rigorous view of why they should spend $1.1 billion on this acquisition. While exciting, Eric says presenting to the Board was a very stressful part of the job. They're relying on things that he's saying to them. [31:12] Eric says acquisitions have their own timeline and they develop however they want to. It's not like going to the grocery store to pick up something. When something pops, it pops, and it's all hands on deck. You don't stop until the job is done. [31:35] One more Quick Break! RIMS, The Foundation for Risk ManagementTM, is dedicated to shaping the future of the profession. By making a contribution, you are strengthening the global risk management community and investing in the future of the industry. [31:55] The Foundation also supports the Spencer Educational Foundation but has a different mission. The Foundation focuses on providing opportunities for those professionals who have already decided to enter risk management and are just getting started. [32:09] You can learn more about the Foundation by visiting www.RIMS.org/FRM.  While you're there, be sure to check out information about the Susan Meltzer Scholarship Fund, which was established to honor Ms. Meltzer, who was RIMS President in 1999 and 2000. [32:28] Susan Meltzer was a cherished RIMS President and contributed so much to RIMS and the greater risk community. Learn more at RIMS.org/FRM.  [32:36] Let's Return to Our Interview with Eric Lobser! [32:52] Eric says that it seems to him that if people viewed Enterprise Risk Management more as Enterprise Value Management, they would better understand that it's more about what you need to do to improve the value of your company. [33:19] In Eric's Strategic Planning days in Corporate Acquisitions, he learned that Expected Value is about changing probabilities, not just the impact of those probabilities. [33:32] Eric says Enterprise Risk Management does a great job of addressing both the likelihood and the impact of things going wrong and things going right. What you're building with ERM is value. You're adding to the value of the company. [33:46] Eric thinks more people would engage. It would resonate with a lot of the corporate cultures to look at ERM as a way to build value for the company. [34:08] Justin says that for almost eight years, Eric was the Spire VP of ERM. Justin asks if Eric was able to hit the ground running, going from Regulatory and Government Affairs into ERM. [34:32] Eric says the position started with Insurance, and then Commodity Risk Management, other elements of the business that helped him up the learning curve. From Acquisitions, Regulatory, Operations, and Customer Service, Eric understood a lot about the business. [34:55] Eric says having a couple of years when he was in charge of Spire's Insurance program, including Captive Management, where you retain risk instead of transferring it, was a great transition to eventually getting Enterprise Risk. [35:31] Eric says he read every book he could get his hands on in the time he had. He noticed some of the things they were doing were based on ISO 31000. Eric read through ISO and COSO. COSO felt very intricate and detailed. [36:10] Eric asked himself what the potential was that we were going to adopt something. The culture of the business manages the risk. ERM oversees how the business manages risk. Eric wanted to pick a framework that fit more with Spire's corporate culture. [36:39] Eric says ISO 31000 is adjustable. He felt like it was a good fit. It was more about strategy and enterprise than Spire's focus had been. It was not just about what could go wrong and what they should be concerned about happening, but what must go right. [37:22] Eric says that looped in what he learned in Strategy, what they have to do to be successful, and what could derail them from that. Spire transitioned a little bit less away from risks and more to strategic imperatives and what they had to do to achieve their strategic vision. [38:02] Justin asks about ERM conferences and what makes a great ERM session. Eric says it's a practitioner who has lived through it with real-world experience on what works, what doesn't work, and why it didn't work. [38:18] Eric says everything's specific to the company, so what works for one may not work for another. An experienced practitioner brings a level of credibility that is important. Eric wants a presenter who focuses on what helps a company be more successful in executing its strategy. [38:41] Eric says a lot of presentations go into risk registers and software, but in the end, risk management is change management, with very complex systems. The presenter should speak to engaging the business, getting different areas to collaborate, and making better decisions. [39:31] Eric says those decisions are about how you allocate resources. Resources are limited. You can't do everything, so you prioritize. [39:41] ERM helps you to prioritize better, using a process of identification and assessment, to help you understand how important a risk is in relation to other risks, how soon it needs to be dealt with, and what level of mitigation and controls you already have in place. [40:13] Eric says, ERM helps you determine if this risk is extremely well-managed and there are resources you can take away from it to put toward a risk that's less well-mitigated. [40:22] Eric says a good ERM session presenter talks about how ERM helps a corporation make better decisions and effectuate those resource allocations that then help that company to be more successful. That's what ERM is about, and when somebody talks about that, it resonates. [41:02] Eric says when he hears a concept that really resonates with him, he tries to pull those concepts together. He has used principles from the Enterprise Risk Oversight Committee. [41:44] Justin says the Global ERM Award of Distinction call for submissions is open. You can send in those nominations now. RIMS Global ERM Award of Distinction nominations are open through Aug. 21! [41:57] Justin asks Eric what makes an Enterprise Risk Management program award-worthy. Eric says some of it is going to be based on the eye of the beholder. Enterprise Risk should be customized to the culture. People are going to view what makes a great program differently. [42:28] Eric says that the SERMC is looking for, with the diverse perspectives of the members, a program that is well-integrated into Strategic Planning, helps the business make decisions, and most importantly, helps it be more successful, with fewer downturns, than their competitors. [43:09] Eric says the business manages risk. ERM can help oversee what they're looking at and turn its attention to important things, and help determine the best ways to mitigate or treat risk, or support what they are doing, so the strategy prevents threats from derailing the company. [43:33] Eric says, in the end, a company that is consistently successful is probably the mark of a good Enterprise Risk Management program. [43:51] Justin says, we're going to see you again on November 19th and 20th in Columbus, Ohio at the RIMS ERM Conference. You can get your nominations in now for the RIMS Global ERM Award of Distinction. We'll have a special awards ceremony, like we do every year. [44:07] Eric, it has been such a pleasure to have you on RIMScast! I look forward to seeing you in Columbus. [44:19] Special thanks again to Eric Lobser for joining us here on RIMScast. We appreciate him and all the great work he does for the RIMS SERMC. The call for nominations for the RIMS Global ERM Award of Distinction is open; a link is in this episode's show notes. [44:36] There are specific attributes that will make a nomination truly award-worthy. Submit your nominations today! [44:42] Plug Time! Become a RIMS member and get access to the tools, thought leadership, and network you need to succeed. Visit RIMS.org/membership or email membershipdept@RIMS.org for more information. [45:00] Risk Knowledge is the RIMS searchable content library that provides relevant information for today's risk professionals. Materials include RIMS executive reports, survey findings, contributed articles, industry research, benchmarking data, and more. [45:16] For the best reporting on the profession of risk management, read Risk Management Magazine at RMMagazine.com. It is written and published by the best minds in risk management. [45:29] Justin Smulison is the Business Content Manager at RIMS. Please remember to subscribe to RIMScast on your favorite podcasting app. You can email us at Content@RIMS.org. [45:41] Practice good risk management, stay safe, and thank you again for your continued support!   Links: RIMS ERM Conference 2026 | November 19‒20 in Columbus, Ohio | Registration Now Open! | www.rims.org/ERM2026 | RIMS ERM Global Award of Distinction nominations open through Aug. 21! RIMS Certification Week: Sept. 21‒24 | Complimentary For All Spencer Educational Foundation's 2026 Funding Their Future Gala | Sept. 17, 2026 RISKWORLD 2027 Registration | RIMS members can lock in 2026 rates now through Sept. 4 | Education Content Submission Through Aug. 21. ChicagoLand Risk Forum | Sept. 24, 2026 RIMS Western Regional Conference — Oct. 4‒7, 2026 | Seattle, WA | Register Today. RIMS Canada Conference — Oct. 18‒21, 2026 | Quebec City | www.rimscanadaconference.ca | Advance Registration Open | Sponsorship Opportunities Available The Strategic and Enterprise Risk Center RIMS, the Foundation for Risk Management Spencer Educational Foundation — Scholarships and Grants | Open Calls and Timelines. RIMS Now RIMS-Certified Risk Management Professional (RIMS-CRMP) | Insights Video Series Featuring Joe Milan! RIMS Diversity Equity Inclusion Council RIMS-CRMP Stories RIMScast Canada — Episodes Now Live RISK PAC | RIMS Advocacy RIMScast on YouTube! RIMS Risk Management Magazine | Contribute | Q2 2026 Issue Now Available Sponsor RIMScast — Sales@RIMS.org Upcoming RIMS-CRMP Virtual Workshops: RIMS-CRMP Exam Prep Workshop — Live In NY — Aug 27‒28! RIMS-CRMP Exam Prep with PARIMA | Sept 1‒2 Full RIMS-CRMP Prep Course Schedule See the full calendar of RIMS Virtual Workshops Upcoming RIMS Webinars: RIMS.org/Webinars "RIMS Student Series: Classroom to Career Part 1" | Sept 1 "RIMS Student Series: Classroom to Career Part 2" | Sept 9 RIMS Certification Week: Sept. 22‒24 | Complimentary For All   Related RIMScast Episodes: "Board Reporting and ERM in 2026 with Trisha Sqrow and Suzanne Christensen" "The Future of Strategic Risk Management" with John Button "Mid-Year Risk Roundup 2026 with Morgan O'Rourke and Hilary Tuttle" "Emerging Risks and AMRAE's RMIS Panorama 2026 with François Beaume" "Strategy and Change with Ward Ching and Aaron Olson"   Sponsored RIMScast Episodes: "48 Hours From a Storm: What to Do Before A Hurricane Strikes" | Sponsored by Global Risk Consultants, a TÜV SÜD Company (New!) "AI-Scale, Risk Ready: Engineering Controls for the New Data Center Boom" | Sponsored by Global Risk Consultants, a TÜV SÜD Company "Facing Into Risk: Navigating the New Risk Landscape" (New!) | Sponsored by AXA XL "Secondary Perils, Major Risks: The New Face of Weather-Related Challenges" | Sponsored by AXA XL "The ART of Risk: Rethinking Risk Through Insight, Design, and Innovation" | Sponsored by Alliant "Mastering ERM: Leveraging Internal and External Risk Factors" | Sponsored by Diligent "Cyberrisk: Preparing Beyond 2025" | Sponsored by Alliant "The New Reality of Risk Engineering: From Code Compliance to Resilience" | Sponsored by AXA XL "Change Management: AI's Role in Loss Control and Property Insurance" | Sponsored by Global Risk Consultants, a TÜV SÜD Company "Demystifying Multinational Fronting Insurance Programs" | Sponsored by Zurich "Understanding Third-Party Litigation Funding" | Sponsored by Zurich "What Risk Managers Can Learn From School Shootings" | Sponsored by Merrill Herzog "Simplifying the Challenges of OSHA Recordkeeping" | Sponsored by Medcor "How Insurance Builds Resilience Against an Active Assailant Attack" | Sponsored by Merrill Herzog "Third-Party and Cyber Risk Management Tips" | Sponsored by Alliant   RIMS Publications, Content, and Links: RIMS Membership — Whether you are a new member or need to transition, be a part of the global risk management community! RIMS Virtual Workshops On-Demand Webinars RIMS-Certified Risk Management Professional (RIMS-CRMP) RISK PAC | RIMS Advocacy RIMS Strategic & Enterprise Risk Center RIMS-CRMP Stories — Featuring RIMS President Manny Padilla!   RIMS Events, Education, and Services: RIMS Risk Maturity Model®   Sponsor RIMScast: Contact sales@rims.org or pd@rims.org for more information.   Want to Learn More? Keep up with the podcast on RIMS.org, and listen on Spotify and Apple Podcasts.   Have a question or suggestion? Email: Content@rims.org.   Join the Conversation! Follow @RIMSorg on Facebook, Twitter, and LinkedIn.   About our guest: Eric Lobser, SERMC Member   Production and engineering provided by Podfly.

NAIC's new principles-based bond definition went into full effect in 2025, according to a new Best's Special Report discussed by Kaitlin Piasecki, industry research analyst, AM Best.

"Everybody thinks that autonomous heavy equipment is commonplace, whereas in fact the adoption is basically zero."Frederik Filz-Reiterdank said that to us from the operator's seat of an autonomous roller, on a live chip fab site in upstate New York, with his dozers and dump trucks working away behind him.His company, Crewline AI, raised a $7.1M seed earlier this year led by Initialized Capital and Nebular to automate the machine operators hate driving.What we got into:✅ Why the roller is the wedge for construction autonomy, and why the excavator falls last✅ A retrofit kit that turns a standard drum roller into a self-driving one in under an hour✅ Selling a "virtual roller operator" instead of renting out a robot✅ The four month insurance grind nobody warns robotics founders about✅ Why 95% of candidates are disqualified the moment they hear about the forward-deployed lifestyleFull episode now live on YouTube and Spotify.#bricksandbytes #bricksbytes #bricksbucksandbytes #aec #construction #constructiontech #ai #vcOur Sponsors:BreadCrumb- 50,000+ projects globally. All running safer, faster, with Breadcrumb. - breadcrumb.coAphex is the multiplayer planning platform where construction teams plan together, stay aligned, and deliver projects faster – check out aphex.coArchdesk - “The #1 Construction Management Software for Growing Companies - Manage your projects from Tender to Handover” check archdesk.comChapters00:00 Teaser01:00 Introduction and Context of the Conversation03:43 Autonomy in Construction: Current State and Misconceptions09:21 Choosing Rollers: The Perfect Wedge for Automation11:47 Understanding Pain Points in Construction14:55 Business Models: Robotics as a Service vs. Outcome-Based Pricing18:49 Deployment Strategy for Autonomous Rollers21:00 Insurance and Liability Challenges22:09 Building Trust with Customers24:45 Overcoming Skepticism in Construction27:49 Future of Automation in Construction32:10 First Steps for Contractors

Send us Fan MailTune in to listen to the full podcast!Support the showFollow us @https://twitter.com/loombainvesthttps://www.instagram.com/loombainvesthttps://www.facebook.com/Loombainvesthttps://www.linkedin.com/in/vinkiloomba#realestate #realstateinvesting #multifamilyinvesting #passiveinvesting

From on-site at the 2026 IRMI Energy Risk & Insurance Conference, this episode of The Edge of Risk Podcast by IRMI explores forces influencing today's energy insurance market. Join host Joel Appelbaum and David Artzerounian, property and casualty client executive and partner at USI Insurance Services, as they dive into underwriting and capacity shifts, risk management innovations, and alternative risk financing solutions. This episode offers practical insights for navigating an increasingly dynamic risk landscape.

Why is finding a healthcare provider who truly listens during perimenopause so difficult? In this episode of Our Womanity, host Dr. Rachel Pope sits down with NBC-HWC health coach and certified Pilates instructor Julia Granacki to unpack the systemic hurdles women face when seeking midlife care.From her own sudden, mask-and-glove hot flash in a deli line during COVID to being dismissed by her longtime OBGYN because her periods were still regular, Julia shares her personal journey through perimenopause and how it inspired her to build a multidisciplinary coaching practice alongside Dr. Anna Barbieri.Together, Dr. Pope and Julia break down the "period myth" in perimenopause diagnostic criteria, the staggering gap in physician menopause training, how to spot predatory midlife wellness upsells, and how Julia's three-part framework—Validate, Educate, Advocate—helps women reclaim agency over their health.Meet JuliaJulia Granacki, NBC-HWC, is a National Board Certified Health and Wellness Coach, comprehensive Pilates instructor (Kane School of Core Integration), and founder of The Age Craft Practice. Trained through the Institute for Integrative Nutrition and Harvard Medical School's Sustainable Nutrition Program, Julia works alongside Dr. Anna Barbieri as part of a multidisciplinary perimenopause and menopause care team in New York City. She is the host of the Agecraft After Dark podcast and former co-host of Circling the Drain.Key Takeaways Research and clinical criteria often require menstrual changes to diagnose perimenopause, yet symptoms like sleep disruption, anxiety, body composition shifts, and hot flashes frequently appear years while cycles remain a clockwork 28 days. The Medical Education Deficit: 80 percent of US OBGYN residents report little to no formal training in menopause management, while only 1 in 5 practicing OBGYNs report receiving formal training. Discrepancies in insurance reimbursement between female and male anatomy procedures, paired with 15-minute appointment caps, force many specialists into membership or private models to deliver adequate care. As midlife awareness grows, vulnerable women are increasingly targeted with costly, unverified tests (such as Dutch tests), unnecessary compounding setups, and aggressive aesthetic upsells. Julia's coaching framework acts as a "midlife doula" service—validating symptoms as real, providing verified Menopause Society guidelines, and empowering women with the agency needed to advocate for themselves in clinic visits. How quality telehealth platforms are helping close the care gap for women living in midlife medical "deserts" across the country.Resources Connect with Julia Granacki: juliagwellness.com Podcast: Agecraft After Dark: juliagwellness.com/podcast Find a Certified Specialist: Menopause Society Certified Practitioner (MSCP) directory at menopause.org Connect with Dr. Rachel Pope: @drrachelpope on Instagram | ourwomanity.comPlease like, subscribe, leave a 5-star review, and share this episode with anyone navigating perimenopause or midlife health transitions!

National Financial Awareness Day arrives this week, and the TN Department of Commerce & Insurance recommends a few basic steps to better financial security. This week, Sarah and Tennille discuss those steps and share personal examples.

In this episode of Referrals Done Right, Scott Grates sits down with longtime colleague Nicole Demma to talk about the habits behind consistent success. Nicole has spent more than a decade as a top performer and leader in their agency. She shares how curiosity, persistence, and a willingness to ask for help have shaped her approach to both work and life.The conversation explores everything from handling failure to staying disciplined when motivation disappears. Nicole also breaks down her approach to referrals and why asking becomes easier when you have earned a customer's trust. Scott and Nicole discuss health, leadership, delegation, and the value of simply showing up every day. It is a practical conversation about building success through small actions repeated consistently.In This Episode:• Why asking for help can make you a stronger teammate and leader.• How Nicole turned failure from a stopping point into valuable feedback.• The role health and fitness play in maintaining energy throughout the workday.• Why great referral conversations start with trust and genuine curiosity.• How consistency and small daily goals can create meaningful results over time.---Nicole Demma's Links:---Scott Grates' Links:Referrals Done Right - https://www.referralsdoneright.orgReferrals Done Right FB Group - https://www.facebook.com/groups/296359076662332Scott Grates Website - https://www.scottgrates.comLove Living Local  - https://www.instagram.com/lovelivinglocal315Scott's FB - https://www.facebook.com/scott.grates.1Scott's - https://www.instagram.com/scottgratesTikTok - https://www.tiktok.com/@scott.grates

The outlook remains stable owing to rising interest rates, implementation of the Japan Insurance Capital Standard, and greater regulatory oversight, among other factors, according to a new Best's Market Segment Report discussed by AM Best Senior Financial Analyst Charles Chiang.

Insurance is covering less and less, and cash-based services like StemWave and dry needling are becoming essential revenue — but unfortunately most clinicians would rather give the service away than ask for the money. In this episode, Shaun Kirk tackles the real obstacle head-on: It's not a lack of sales skill, it's sales avoidance.Shaun breaks down the five stages of a clinician's sales discomfort — the avoider, the apologizer, the educator, the advisor, and the advocate — and shows why most clinicians get stuck in the middle instead of moving into the two stages that actually close: advising and advocating. He also lays out a six-step conversion gradient for having these conversations without feeling like a used car salesman: establish the gap in care, quantify the cost of inaction, present the offer as a decision, state the price plainly, handle hesitation with information (not assumptions), and ask for the decision.You'll hear real conversation examples, why silence is one of your most powerful tools once you've stated a price, and why underselling — staying quiet and letting a patient leave in pain — is just as much a failure as overselling.The core message: selling isn't a betrayal of clinical care, it's a form of it. Telling the patient the whole truth, including the number, is what actually lets them make the choice that's theirs to make.

Most people think entrepreneurship is about big ideas, venture capital, and building the next tech unicorn. I don't see it that way. In this conversation, I break down why almost every business ends up looking the same at scale and why chasing passion is one of the worst ways to start. I talk about how I think about opportunity, why "boring" businesses win, and how geography can be your biggest advantage. We get into what it actually takes to build something real: hiring, firing, delegating, and making tough decisions. I explain how I approach leadership, how I think about incentivizing people, and why not everyone in your company should want to be the CEO. I also share how I evaluate businesses, what I look for in underserved markets, and why simple services like cleaning, moving, or fixing things can outperform flashy startups if you execute well. At the end of the day, this isn't about ideas. It's about execution, leverage, and putting yourself in a position to win over a long period of time. 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  

Life insurance is about far more than a death benefit. In this exclusive interview, Caleb Guilliams sits down with industry legend Van Mueller to explain how cash value life insurance can be used throughout your lifetime to create liquidity, protect your wealth, supplement retirement, reduce financial risk, and leave a lasting legacy. He also gives his agent playbook on how to actually show people the value of life insurance.Watch the Interview on Youtube for Visuals - https://youtu.be/fwUbh2BiWBsWant to See If Whole Life Insurance Can Improve Your Financial Plan? Schedule Your Clarity Call Here: https://bttr.ly/bw-yt-aa-clarityWant Us To Review Your Permanent Life Insurance Policy? Click Here: https://bttr.ly/yt-policy-reviewWant Free Whole Life Insurance Resources & Education? Go Here: https://bttr.ly/yt-bw-vaultLearn More About BetterWealth: https://betterwealth.comChapters:0:00 - Introduction5:17 - Early Career Challenges9:05 - Turning Point and Career Shift14:50 - AI and Human Relationships16:00 - Learning Life Insurance Sales20:45 - The Power of Practice24:35 - Getting More Appointments27:56 - Prospecting Strategy32:56 - Living Benefits of Life Insurance37:26 - Streamlined Sales Presentations38:31 - Avoiding Fact-Finding Friction40:33 - Casual Networking Techniques43:58 - Value of Cash Value Insurance48:43 - Questions for Younger Clients51:30 - The Importance of Asking Opinions53:13 - Financial Professional vs. Advisor56:05 - Handling Market Volatility59:19 - Opportunity vs. Pain Points1:00:48 - Designing Retirement Strategies1:02:46 - The Concept of Trust1:04:40 - Explaining Interest Rate Strategies1:10:33 - Practicing Like a Pro1:14:00 - Efficiency in Financial Planning1:16:05 - Belief in Life Insurance1:19:04 - Roth IRA and Tax Strategy1:22:24 - Managing Economic Uncertainty1:23:40 - Addressing Competitors and Critics1:27:27 - The Cost of Self-Insuring1:28:48 - Career Lessons and PhilosophyDISCLAIMER: https://bttr.ly/aapolicy*This video is for entertainment purposes only and is not financial or legal advice.Financial Advice Disclaimer: All content on this channel is for education, discussion, and illustrative purposes only and should not be construed as professional financial advice or recommendation. Should you need such advice, consult a licensed financial or tax advisor. No guarantee is given regarding the accuracy of the information on this channel. Neither host nor guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.

Tools: Protect yourself online with NordVPN: https://www.nordvpn.com/alux Get a free audiobook when you sign up: https://www.alux.com/freebook Start an online store today: https://www.alux.com/sell Sell an online course: https://try.thinkific.com/f5rt2qpvbfok Alux.com is the largest community of luxury & fine living enthusiasts in the world.  We are the #1 online resource for ranking the most expensive things in the world and frequently referenced in publications such as Forbes, USA Today, Wikipedia and many more, as the GO-TO destination for luxury content!  Our website: https://www.alux.com is the largest social network for people who are passionate about LUXURY! Join today!  SUBSCRIBE so you never miss another video: https://goo.gl/KPRQT8 --  To see how rich is your favorite celebrity go to: https://www.alux.com/networth/ --  For businesses inquiries we're available at: https://www.alux.com/contact/

It's easy to walk out of a rushed appointment, an unexplained bill, or a denied claim and quietly blame the person in the white coat. Doc G (Doctor Jordan Grumet), the hospice physician and longtime Stacking Benjamins favorite, argues that's exactly the wrong target, and that the confusion isn't an accident. Somewhere between the insurance company, the pharmaceutical company, the private equity firm, and the electronic records system, a lot of people are getting paid, and the two groups actually providing and receiving care are left holding the bag. Here's the good news: almost nobody appeals a denial, and appeals win far more often than you'd expect. This episode gives you the real playbook.What You'll Walk Away WithThe exact first move to make when a claim gets denied, and why documenting it matters more than people realizeWhy a procedure can get pre-approved and still get denied months later, and what to save to protect yourselfA simple "who do you call first" framework for untangling a prescription, billing, or coverage problemThe pharmaceutical industry trick of repackaging old drugs as "new" ones, and the one question that sidesteps it completelyHow to spot whether your doctor's office is privately owned or backed by private equity, and why it changes the care you getWhy so much unnecessary testing exists purely to protect doctors from lawsuits, not to protect youThe real math on insurance appeals, and why giving up is exactly what the system is counting onWhy This Matters NowHealthcare confusion isn't just an annoyance, it's a real financial risk hiding in plain sight. A denied claim, a surprise bill, or a medication that suddenly isn't covered can undo months of careful budgeting in a single afternoon. The difference between losing that fight and winning it usually isn't luck, it's knowing the specific, doable steps to push back before you give up. This isn't about becoming your own doctor or insurance expert. It's about not getting steamrolled by a system that's counting on you not knowing what to do next.From the BasementA story about FedEx's founder famously saving the company with a lucky night at a Vegas blackjack table becomes the day's trivia detour, and somehow ties neatly back into an episode all about refusing to give up when the system says no.Resources MentionedThe Healthcare Heist by Jordan Grumet, MD — Doc G's new book on fixing the doctor-patient relationshipEarn & Invest podcast — Doc G's award-winning personal finance podcastSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.