Podcasts about Insurance

December 1 may seem like a long way off, but it's just around the corner. Before we know it, it will be time for family to visit, holiday preparations to begin, and producers to make decisions about Pasture, Rangeland, and Forage insurance, commonly called PRF. Shannon Sand, Nebraska Ag Economics Extension Educator.

In 1971, the National Cancer Act transformed cancer into a national research priority. More than 50 years later, the next frontier is no longer defined solely by scientific discovery, but by how quickly knowledge, lived experience, and patient voices can reshape healthcare itself.The concluding chapter of The Cancer Mavericks: A History of Survivorship explores how the cancer advocacy movement continues to evolve in an era of digital communities, social media, precision medicine, and grassroots activism. Building on the work of pioneers such as Mary Lasker, Rose Kushner, and the generations of survivors who followed, today's advocates are expanding the movement beyond awareness to demand health equity, trusted information, patient-centered research, and meaningful representation in healthcare decision-making.The episode examines how technology has transformed advocacy from local support groups into global communities capable of organizing in real time. Researchers, policymakers, nonprofit leaders, and survivors reflect on the growing influence of digital storytelling, online education, and peer-to-peer networks that connect patients across diagnoses, generations, and geographic boundaries. At the same time, they acknowledge new responsibilities: ensuring accurate medical information, combating misinformation, protecting trust, and keeping patients at the center of innovation.The story also looks ahead to the next generation of advocates. Young leaders are applying lessons learned from decades of cancer activism while drawing inspiration from broader movements for social justice, public health, and community organizing. Their work reflects a simple but enduring truth: meaningful change rarely begins inside institutions. It begins when ordinary people refuse to accept that the system cannot improve.Cancer survivorship has never been a finished story. Every generation inherits the progress achieved by those who came before while confronting challenges uniquely its own. The future of survivorship will be shaped not only by scientific breakthroughs, but by those willing to listen, organize, educate, and ensure that every patient's voice helps define what comes next.RELATED LINKSNational Cancer Institute⁠Cancer Moonshot⁠Centers for Disease Control and Prevention | Division of Cancer Prevention and Control⁠HopeLab⁠Tigerlily Foundation⁠Stupid Cancer⁠FEEDBACKLike 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.

On August 28, Kouri Richins learned the price tag on what she did. A judge set restitution at $1,369,581 — split between Auto Owner's Insurance and TruStage, the two companies that paid out on the life insurance policies she cashed in after poisoning her husband Eric with fentanyl. Her lawyer accepted the figure without argument. The stay request was denied.Forensic accountant Brooke Karrington mapped the path of that money at trial. Kouri took in $1.35 million. Ninety days later, it was gone. She owed $7.5 million. Four payday lenders were pulling $2,100 from her daily. Her real estate company's revenue couldn't cover a third of its monthly obligations. By September 2022, her balance was $800.The court already declared her indigent. Her defense was taxpayer-funded. Her appeal is taxpayer-funded. At Utah's top prison wage of $1.75 an hour, clearing the restitution would require 376 years of work.And restitution is just the first line on the ledger. Twenty-six felony fraud charges remain active in a separate Summit County case — five mortgage fraud counts, seven money laundering counts, forgery, bad checks, and a pattern-of-unlawful-activity charge connecting the financial crimes to the killing itself. October 9 brings the scheduling conference that sets the second trial in motion.Listen Anywhere You Get Podcasts: https://pod.link/1655749292Want to comment and watch this podcast as a video? Check out our YouTube Channel. https://www.youtube.com/@hiddenkillerspod?sub_confirmation=1Join Our SubStack For AD-FREE ADVANCE EPISODES & EXTRAS!: https://hiddenkillers.substack.com/Instagram https://www.instagram.com/hiddenkillerspod/Facebook https://www.facebook.com/hiddenkillerspod/Tik-Tok https://www.tiktok.com/@hiddenkillerspodX Twitter https://x.com/tonybpodDisclaimer:This publication contains commentary and opinion based on publicly available information. All individuals are presumed innocent until proven guilty in a court of law. Nothing published here should be taken as a statement of fact, health or legal advice.#KouriRichins #EricRichins #HiddenKillers #TrueCrime #Restitution #MurderConviction #SummitCountyUtah #TrueCrimePodcast #JusticeForEric #LifeWithoutParole

Have you found mold in your home, called your insurance company, and been told — flat out — that mold isn't covered?Are you sitting on a remediation quote with five figures on it, wondering how on earth you're supposed to pay for this andkeep healing?Did you already file a claim, already get denied, and assume that was the end of the road?If you said yes to ANY of these questions, then this episode is for you!In today's episode, I'm teaching you things I wish I knew when I started my journey of repairing my home from mold and water damage — including the single word that decides whether your insurance company writes you a check or closes your file. Today, I'll be breaking down:The difference between water damage and mold in the eyes of a home insurance company — and why leading with "mold exposure" is the fastest way to get your claim shrunk down to almost nothingThe "event" test — the one question to ask yourself before reaching out to your home insurance companyWho to hire to inspect the cause of your water damage — and why this is crucial to getting your homeowners insurance on your sideThe 2-Step Process that your insurance may cover if you do all this correctly How you may be able to still get an insurance payout on claim that has already been completed and get money back that you already spentIf you're tired of being told mold is your problem to pay for, and you don't want to drain your savings fixing a house, then this episode is for you! TIMESTAMPS:00:00 - Mold Claim Frustrations 01:42 - Podcast Welcome 02:49 - Mold Series Update 04:30 - Insurance Disclaimer 06:02 - Event Test Basics 09:50 - Four Step Overview 11:37 - Hire The Right Expert 17:59 - Submit The Claim 19:50 - Say Water Not Mold 24:19 - Remediation Versus Rebuild 28:47 - Invoice Language Hacks 31:11 - Installation Legal Options 33:05 - Wrap Up And Next Steps EPISODES MENTIONED:248// How to Have a Strong Legal Case Against Toxic Mold (ft. Kristina BaehrCatch up and binge all our Mold episodes here! WORK WITH US:Option #1)

In this weeks episode the Mayor talks with Dave Rose, an agency operator at Bolt and former Liberty Mutual and Travelers leader, about what independent agents can learn from captive carriers, how connected distribution works, and how agencies can start using AI without overhauling everything. Dave brings a practical, operator's perspective from both the agency side and the tech side, with a focus on real-world implementation rather than hype.In this episode, they cover the process discipline of captive agencies, the power of referrals and centers of influence in the independent channel, and why AI adoption is more about solving specific pain points than chasing tools. They also preview Dave's ITC session on building an AI-first agency plan in 30, 60, and 90 days.Timestamps00:00 — Intro, sponsors, and welcome to Dave Rose 08:24 — What Bolt does as a connected distribution platform 10:25 — What Dave learned moving from captive to independent 12:40 — Why independent agency success depends on knowledge, not just choice 15:03 — Centers of influence and building referral pipelines 17:05 — Why branding and marketing matter in the independent channel 19:19 — Why Dave wanted to be both an agency operator and technology builder 20:16 — How Bolt tests technology from the agency side first 23:04 — Why AI vendors all sound similar and what actually matters 24:57 — Advice for technology vendors: think through the agency lens 27:00 — The difference between insurance-first technology and tech-first insurance 28:17 — ITC and the growing role of agents at the conference 29:36 — A real example of an agency owner unsure where to begin with AI 31:18 — Why the industry is still early in its AI journey 34:13 — Three AI myths Dave wants to challenge 36:02 — Why AI should support, not replace, relationship-driven work 38:36 — Dave's ITC session: practical next steps for agencies 41:26 — Agent Day at ITC and the value-first approach 42:23 — Session title: The AI First Agency: Your 30-, 60-, and 90-Day Plan in 15 Minutes 46:03 — The origins of Bolt and its connected distribution mission 47:28 — How Bolt connects lead generation, quoting, binding, and servicing 49:31 — Who should talk to Bolt and who benefits most 51:29 — How to reach Dave and Bolt 52:40 — Why ITC is worth attending for independent agents 54:58 — Why ITC works because of its concentration of knowledge and conversationSponsors:Canopy Connect1fortVivaIf you have not registered for ITC Vegas. Go check it out and use discount code : 1AGSPKSNB for $200 off

On this Salcedo Storm Podcast:Dr. Carrie de Moor is a board-certified emergency physician, healthcare executive, and founder of Driven Healthcare, an independent Texas medical practice.

RaeAnn joined Wake Up Tri-Counties to discuss the September Outreach Event, PSA Test Special, Labor Day Closure, CPR Classes, and Insurance Navigators. The Henry and Stark County Health Departments and First Choice Healthcare Clinics have several September updates for area residents. Offices in Kewanee, Colona, and Toulon will be closed Monday, September 7th, for Labor Day, with limited Home Services staff available. First Choice is offering $10 PSA blood tests for eligible men during Prostate Cancer Awareness Month by appointment in Kewanee and Toulon. The “12 Communities, 12 Months” outreach event comes to the Purple Onion in Annawan on September 18th from 10 to noon, with free blood pressure checks, medication disposal, giveaways, and insurance navigator help. Monthly CPR classes continue in Kewanee.

The U.S. consumer is sending mixed signals. In this episode of Market Pulse, the Equifax Advisors examine the latest economic and credit trends, from persistent inflation and rising household pressures to changing debt, delinquency and HELOC behavior. They also explore the widening differences among consumers—and the leading indicators lenders should watch to identify risk and uncover opportunities for selective growth.

Send Zorba a message!Zorba looks a study about distracted driving, and how traffic fatalities surge on days when popular artists release new albums. He helps a caller whose health insurance soared after getting "advice" from his doc. Zorba helps a listener with HRT questions, talks about grief and human resiliency, Karl's mom shares a Mom Joke, and Zorba gets stumped on a boozy question.Support the showProduction, edit, and music by Karl ChristensonSend your question to Dr. Zorba (he loves to help!):Phone: 608-492-9292 (call anytime)Email: askdoctorzorba@gmail.comWeb: www.doctorzorba.orgStay well!

She never set out to be a realtor. She wanted to be an artist. Art was her first language. English was her second. But life had other plans, and six years into real estate in Indianapolis, Indiana, Stacey Brown has built something real one client at a time.On this episode of Troy Talks Money, Stacey gets honest about what the job actually looks like behind the scenes. She talks about the creativity behind negotiation and why contracts are so much more than pushing papers. She shares the money mistake she sees buyers make over and over that kills deals at the last minute. She talks about the deal that almost made her walk away from real estate entirely and what she did instead. And she explains why the renter mindset is one of the most dangerous things a new homeowner can carry into their first year of ownership.She also said something about home insurance versus home warranties that every homeowner needs to hear. Insurance is for things that could happen. A home warranty is for things that will happen.This conversation is for first-time buyers, current homeowners, real estate investors, and anyone who has ever thought that buying a home is the finish line when it is really just the beginning.Connect with Stacey Brown:Instagram: @staceysolditmeformeFacebook: Stacey BrownEmail: brown.stacey@kw.comPhone: 317-732-1001Keller Williams Realty Indy Metro NortheastTroy Holt is a Certified Financial Education Instructor, Navy veteran, and debt elimination specialist. He helps families pay off their mortgage and all debt in five to seven years without refinancing. Visit TroyHolt.com to book a free consultation. No pressure. No pitch. Just a real conversation about where you are and where you want to be.

Send Zorba a message!Zorba looks a study about distracted driving, and how traffic fatalities surge on days when popular artists release new albums. He helps a caller whose health insurance soared after getting "advice" from his doc. Zorba helps a listener with HRT questions, talks about grief and human resiliency, Karl's mom shares a Mom Joke, and Zorba gets stumped on a boozy question.Support the showProduction, edit, and music by Karl ChristensonSend your question to Dr. Zorba (he loves to help!):Phone: 608-492-9292 (call anytime)Email: askdoctorzorba@gmail.comWeb: www.doctorzorba.orgStay well!

Would you trust a real estate agent more if they were willing to lose a commission to stop you from making the wrong financial decision? In this episode of the Real Estate Excellence Podcast, Tracy Hayes sits down with Marilyn Gilman. Marilyn Gilman is a Berkshire Hathaway HomeServices real estate professional whose background includes decades of exposure to real estate development through her husband's family business before she earned her own license in 2019. After spending 19 years raising her family, Marilyn entered real estate at age 50, earned Rookie of the Year recognition, sold more than $5 million during her first year, and eventually built a team with her daughter Aubrey. Her experience shaped an approach centered on relationships, listening, judgment, negotiation and putting the client's interests before the transaction. Marilyn and Tracy Hayes explore what separates successful agents from people who simply hold a license. Marilyn explains why trust must be earned, why agents need to slow clients down before they make emotional decisions, and why she will sometimes talk someone out of buying real estate. The conversation also covers pricing, appraisals, affordability, insurance, property taxes, investment properties, changing Jacksonville neighborhoods, fiduciary responsibility, working diplomatically with other agents and the importance of following up when a deal appears lost. For Marilyn, the reward comes from helping people make sound decisions while still embracing the negotiation and business side of real estate that keeps her addicted to the hustle.  If this conversation helped you think differently about real estate, relationships and serving clients as a true fiduciary, subscribe to the Real Estate Excellence Podcast, share this episode with an agent who needs to hear it and follow the show for more conversations with top real estate professionals.   HighlightsTop of FormBottom of Form 00:00-18:30 Building a Career Through Life Experience Starting real estate at 50 Working with daughter Aubrey Balancing technology and relationships Returning to work after raising a family Turning life experience into real estate skills 18:30-38:11 Building Trust With Clients Why relationships drive the business Listening before giving advice Talking buyers out of the wrong house What new agents need to understand Professional image and personal safety 38:11-01:00:33 Buyers Negotiations and Pricing Understanding what buyers really want Balancing emotion and financial reality Finding common ground in negotiations Pricing homes for the current market Why every transaction requires a different strategy 01:00:33-01:13:49 The Real Cost of Homeownership Property taxes and portability Insurance costs in Florida Roof age and insurability Looking beyond the mortgage payment Helping buyers understand affordability 01:13:49-01:25:26 Knowing When Not to Buy When renting can be the better choice Avoiding financial overextension Evaluating investment properties carefully Choosing communities around lifestyle needs Comparing older and newer Jacksonville neighborhoods 01:25:26-01:38:01 Fiduciary Advice and the Real Estate Hustle Handling a low appraisal Helping buyers and sellers find common ground Keeping personalities out of negotiations Following up when a deal falls apart Why Marilyn loves the hustle and business of real estate   Quotes: "We're more alike than different in general." – Marilyn Gilman "You need to figure out what you don't want to figure out what you do want." – Marilyn Gilman "I don't want on my watch someone to buy a house they really can't afford." – Marilyn Gilman "I like the helping people, like everybody probably says, but I'm really addicted to the hustle." – Marilyn Gilman   To contact Marilyn Gilman, learn more about her business, and make her a part of your network, make sure to follow her Website, Instagram, Facebook, and LinkedIn.   Connect with Marilyn Gilman! Website: http://www.thegilmamgroupfl.com Instagram: https://www.instagram.com/Malgilman/ Facebook: https://www.facebook.com/share/19HuY5jiY6/?mibextid=wwXIfr LinkedIn: https://www.linkedin.com/in/marilyn-gilman/   Connect with me! Website: toprealtorjacksonville.com   Website: toprealtorstaugustine.com    SUBSCRIBE & LEAVE A 5-STAR REVIEW as we discuss real estate excellence with the best of the best. #MarilynGilman #TracyHayes #RealEstateExcellence #RealEstatePodcast #JacksonvilleRealEstate #FloridaRealEstate #RealEstateAgent #RealEstateSuccess #RealEstateAdvice #RealEstateInvesting #HomeBuying #HomeSelling #RealEstateNegotiation #ClientRelationships #RealEstateFiduciary #RealEstateCareer #RealEstateTeam #PropertyInvestment #Homeownership #RealEstateHustle

A submission can look “simple” right up until it isn't, and that's exactly where deals get stuck. From our Kansas City office, we sit down with Select Binding Office President Matt Blessing and CRC Specialty Broker Matt Zelenc, to explain how we decide the best path for a risk and how select binding authority and brokerage work side by side to keep placement moving. If you've ever wondered why speed wins some accounts while others demand deeper marketing, this conversation connects the dots. Along the way, we discuss real world examples, talk about the details that push an account toward brokerage or binding, and how both sides work together. We also share the one thing we wish every retail agent would send before hitting submit and how transparency helps us move faster, avoid duplicate marketing, and come back with options you can confidently present. 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!

Two out of three Medicare Advantage denials get reversed on appeal. Yet less than 1% of people ever try. An AI prompt drafts a formal appeal letter in seconds. Plus, we help Joy use chatbots to fight back on a 97% insurance rate increase.   Learn more about your ad choices. Visit megaphone.fm/adchoices

This week, we've got a very special guest joining us for this week's crypto news — Peter Stanhope, General Manager Australia at Nexo.Peter has spent almost a decade at IG Australia, co-founded superannuation startup GigSuper, ran Capital.com's Australian operations, jumped the fence into crypto with Banxa, and now heads up Nexo here in Australia — just as they've launched regulated crypto-backed credit lines Down Under.Welcome, Peter!So what have we got for you this week?First up, we're going inside Nexo with Peter to find out how a crypto platform went from a 2018 startup to more than 7 million customers — and what regulated crypto-backed lending actually looks like for Australians.Then, California has had enough of politician memecoins. Its legislature has unanimously voted to ban public officials from launching their own coins — because apparently this is a problem we now need laws for.And finally, we've got 4,000 goats, an insane wage law and a prediction market. A California goat-herding company has literally hedged the risk of a $240,000 wage bill by betting on whether the government will fix the law.Let's get into it.

Thabo Shole-Mashao, standing in for Clement Manyathela speaks to Tsungai Masendeke, Certified Financial Planner at Liberty, about Liberty Lifestyle Protection, which allows having conversations today that can help you maintain stability and dignity through uncertainty. The Clement Manyathela Show is broadcast on 702, a Johannesburg based talk radio station, weekdays from 09:00 to 12:00 (SA Time). Clement Manyathela starts his show each weekday on 702 at 9 am taking your calls and voice notes on his Open Line. In the second hour of his show, he unpacks, explains, and makes sense of the news of the day. Clement has several features in his third hour from 11 am that provide you with information to help and guide you through your daily life. As your morning friend, he tackles the serious as well as the light-hearted, on your behalf. Thank you for listening to a podcast from The Clement Manyathela Show. Listen live on Primedia+ weekdays from 09:00 and 12:00 (SA Time) to The Clement Manyathela Show broadcast on 702 https://buff.ly/gk3y0Kj For more from the show go to https://buff.ly/XijPLtJ or find all the catch-up podcasts here https://buff.ly/p0gWuPE Subscribe to the 702 Daily and Weekly Newsletters https://buff.ly/v5mfetc Follow us on social media: 702 on Facebook https://www.facebook.com/TalkRadio702 702 on TikTok https://www.tiktok.com/@talkradio702 702 on Instagram: https://www.instagram.com/talkradio702/ 702 on X: https://x.com/Radio702 702 on YouTube: https://www.youtube.com/@radio702 See omnystudio.com/listener for privacy information.

Insurers are exploring AI-specific loss prevention services, but the wide variety of AI applications makes it difficult to identify solutions that work consistently across businesses. Check out this … Read More » The post How Insurers Are Expanding Risk Management for AI appeared first on Insurance Journal TV.

Your TSP monthly income balance may look substantial—but how much monthly retirement income can it actually provide?In this video, Charles explains how federal employees can turn a TSP balance into a practical monthly paycheck. You'll learn how to calculate the gap between your retirement income and real expenses, establish TSP installment payments, and account for taxes, inflation, and market risk before making withdrawals.━━━━━━━━━━━━━━━IN THIS VIDEO YOU CAN LEARN━━━━━━━━━━━━━━━- Why your TSP balance alone doesn't tell you whether you're retirement-ready- How to calculate the gap between your income and monthly expenses- Why some retirees spend more—not less—after leaving work- How TSP installment payments can create a monthly income stream- How inflation, taxes, and investment choices can affect your income- Why a bad market year early in retirement can create lasting problemsWhat monthly income do you expect your TSP to provide in retirement? Share your target below.━━━━━━━━━━━━━━━START HERE━━━━━━━━━━━━━━━Apply for a Retirement Consultation:https://apply.cdfinancial.org/6a694299bad1c9a176cdc79f/Get the Digital Federal Retirement Guidebook:https://cdfinancial.org/being-a-federal-employee-book/Subscribe for Weekly Federal Retirement Planning Content:https://cdfinancial.com/newsletter━━━━━━━━━━━━━━━TIMESTAMPS━━━━━━━━━━━━━━━0:00 Turning Your TSP Into a Monthly Paycheck0:35 It's Not About Your Balance—It's About the Gap1:01 What Your Real Monthly Expenses Look Like1:47 The Free Monthly Expenses Worksheet2:35 Why Retirees Often Spend More, Not Less3:17 How to Set Up TSP Monthly Payments4:04 The Blind Spots: Inflation, Taxes, and the G Fund4:52 One Bad Market Year Early in Retirement5:11 Watch Next: Should You Still Own Stocks After Retirement?━━━━━━━━━━━━━━━WHO WE ARE━━━━━━━━━━━━━━━CD Financial helps federal employees and retirees make smarter decisions around FERS, TSP, FEHB, taxes, and retirement income planning—where health meets wealth.━━━━━━━━━━━━━━━IMPORTANT DISCLAIMER━━━━━━━━━━━━━━━Advisory services are offered through CD Financial LLC dba CD Financial, an Investment Advisor in the State of California. Insurance products and services are offered through CD Financial & Insurance Services LLC, an affiliated company.This content is educational only and is not financial, legal, tax, or investment advice. TSP withdrawal options, tax consequences, investment risks, and retirement-income needs depend on your individual situation and may change. Verify current TSP rules at TSP.gov and consult qualified financial and tax professionals before acting. CD Financial is not affiliated with or endorsed by the Thrift Savings Plan or any federal agency.#TSP #FederalRetirement #RetirementIncome #FERS #ThriftSavingsPlan #CDFinancialSupport the show

Insurance is getting more expensive and more sophisticated, as climate change, extreme weather and rising costs reshape how insurers price risk. Tower CEO Paul Johnstone explains why the price of risk in New Zealand has materially changed over the past 15 years, and how Tower is using up to a billion data points to price individual properties based on their exposure to hazards like floods, earthquakes, landslides and sea surge. He also discusses what rising weather-related losses mean for the insurance industry — and why he still believes insurance is a good business to be in. Plus, how Tower is using AI to streamline claims and customer service, why its technology has already saved a million minutes of call time, and how the business is balancing lower premiums with growth and profitability. For more places to follow Shared Lunch—check out http://linktr.ee/sharedlunch Shared Lunch is brought to you by Sharesies Australia Limited (ABN 94 648 811 830; AFSL 529893) in Australia and Sharesies Limited (NZ) in New Zealand. It is not financial advice. Information provided is general only and current at the time it’s provided, and does not take into account your objectives, financial situation and needs. We do not provide recommendations and you should always read the disclosure documents available from the product issuer before making a financial decision. Our disclosure documents and terms and conditions—including a Target Market Determination and IDPS Guide for Sharesies Australian customers—can be found on our relevant Australian or NZ website. Investing involves risk. You might lose the money you start with. If you require financial advice, you should consider speaking with a qualified financial advisor. Past performance is not a guarantee of future performance. Appearance on Shared Lunch is not an endorsement by Sharesies of the views of the presenters, guests, or the entities they represent. Their views are their own.See omnystudio.com/listener for privacy information.

In 1987, Mary P. Lovato, a member of Kewa Pueblo in New Mexico, was diagnosed with acute leukemia. To receive a bone marrow transplant, she had to travel more than 800 miles from home because specialized cancer care was unavailable through the Indian Health Service. When she returned, she discovered another obstacle: many in her community feared cancer so deeply that they avoided speaking about it altogether.This episode examines how cancer survivorship exposed profound inequities in the American healthcare system. Long before health equity became a national priority, advocates from underserved communities were confronting disparities rooted in geography, poverty, racism, language, underfunded healthcare systems, and historical mistrust of medical institutions. Their work demonstrated that scientific advances alone cannot improve survival if patients cannot reach, afford, or trust the care available to them.The story follows pioneers including Mary P. Lovato, who built the first national Native-led cancer support and education program for Indigenous communities, and Maimah Karmo, founder of the Tigerlily Foundation, whose breast cancer diagnosis inspired a movement to improve early detection, clinical trial participation, and representation for Black women. Their advocacy challenged longstanding barriers to culturally competent care while highlighting persistent inequities in access to screening, fertility preservation, navigation, and innovative treatments.The episode also explores why diversity in clinical research matters. For decades, many cancer clinical trials disproportionately enrolled White patients, limiting both access to promising therapies and the scientific understanding of how treatments perform across different populations. Researchers, patient advocates, and community leaders responded by redesigning outreach, improving patient navigation, reducing logistical barriers, and insisting that affected communities help shape the research itself.Cancer survivorship cannot be measured solely by scientific breakthroughs. It also depends on whether every patient has a meaningful opportunity to benefit from them. The pursuit of health equity remains one of the defining challenges and enduring responsibilities of modern oncology.RELATED LINKSNational Cancer Institute | Cancer Health Disparities⁠Indian Health Service⁠Tigerlily Foundation⁠National Cancer Institute | Cancer Clinical Trials⁠American Indian Cancer Foundation⁠Abramson Cancer Center | University of Pennsylvania⁠FEEDBACKLike 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.

Most health experts who take insurance have been told the same thing. If you want to make real money, drop insurance and start selling high-ticket cash pay programs. I like a good cash pay program. I also think that advice gets applied to practices where it makes very little sense. This episode is a real coaching conversation with my client Angelina, who owns an established, heavily insurance-based dietitian practice in Ohio. She has clients, she gets referrals from gastroenterology groups, and her reimbursement rates are solid. The most important question for her business was never whether to blow up a working model. It was how to make that model more profitable, more differentiated, and less dependent on adding sessions to her calendar. We build a hybrid offer in real time, where insurance covers the clinical sessions and the client pays separately for the testing, messaging access, and resources insurance was never going to cover. We get into pricing, continuity, boundaries around access, and how to position a practice so the big insurance-based platforms stop being competitors at all. If the only two options you've been given are more 1:1 sessions or stop taking insurance, this conversation gives you a third option that's got serious potential. Timeline Highlights [00:00] – Why "stop taking insurance" is the wrong first move for an established practice [08:16] – Angelina's setup: buying a twenty-year-old insurance-based practice in Ohio [12:57] – How a hybrid offer works and what the cash portion actually pays for [15:51] – Competing with Nourish, Fay, and BerryStreet without competing on price [20:44] – Naming the specific result: healing IBS and IBD instead of managing symptoms [29:08] – Building a low-ticket continuity offer so clients don't disappear at month four [33:10] – What belongs on the cash-pay side: testing, meal plans, supplements, portal resources [37:40] – Pricing the hybrid when insurance already covers part of the total [42:44] – Why graduating every client costs you revenue and costs them results [48:40] – Setting messaging boundaries before you need them [55:45] – SEO, GEO, and Google reviews for a practice built on local referrals [1:04:41] – Doubling income without adding a single session Top Quotes from the Episode "You can't out-price a company with venture funding and insurance leverage. The move is to build something they aren't even offering." "Nobody stands in a parking lot deciding between McDonald's and a good gourmet burger. Those aren't the same product, and your practice shouldn't be the same product as a platform handing out free sessions." "Insurance teaches people to buy an hour of your time. A signature offer teaches them to buy a result." "The cash portion of a hybrid offer covers everything insurance was never going to pay for, which is usually the part that creates the outcome." "Not everyone wants to be graduated. I've worked with the same trainer for eleven years because I like having the help, and your clients are no different." "People overstuff their deliverables and then spend years on the hook for all of it. The better question is what's the least amount of support someone needs to get what they came for." "Set the boundary before you need it. Renegotiating access after someone has already crossed the line is a much harder conversation." "This model lets you earn twice as much from the same number of sessions, or keep the income steady and cut your session load in half." Links & Resources Take the CEO Type Quiz Practice Better (EHR, client portal, messaging, program delivery) If this one landed, follow the podcast, leave a review, and send it to a practitioner who's been told insurance is the reason they aren't making enough.

Denver multifamily market values are down 20 to 30% from the peak, and cap rates in some submarkets have climbed into the 8s. For the first time in years, the spread between interest rates and cap rates is back, and cash flow no longer depends on a speculative rent growth story. Host Chris Lopez sits down with Connor Knutson, Vice President at Pinnacle Real Estate Advisors, who has closed $720 million in career transaction volume across the Denver multifamily market. Connor works primarily in the 20 to 100 unit private capital space, and he brings ground-level data on what’s actually trading, where values have reset, and which submarkets have held up through the correction. Where the pain is concentrated. North Aurora rents have corrected 35 to 40%. Golden Triangle new construction is giving 12 weeks of free rent, effectively 25% off asking. One brand new Class A asset there recently traded off-market for $30 million after previously selling for $63 million, or roughly $170,000 per door. Where the value is holding. Wheat Ridge, Golden, and pockets of Arvada have stayed resilient. Rents are steady, vacancy is low, and pricing has softened far less than the metro average. Why buyers are showing up now. Out-of-state 1031 money from Southern California and Wisconsin is landing in the Denver multifamily market at what these investors see as a 30% discount. Colorado owners scaling out of single-family into their first 5 to 10 unit building are also active. Meanwhile, longtime Denver owners in their 70s are exiting the state entirely, citing Colorado’s tenant-friendly legislative shift. In This Episode We Cover: Why the Denver multifamily market values are down 20 to 30% and where the correction has been sharpest The $63 million to $30 million Golden Triangle trade and what it signals for Class A pricing How insurance premiums doubled since 2019 and how some owners are now saving 50% by reshopping Why cap rates in the 8s and interest rates around 6.5% have restored positive leverage The 20 unit Lakewood deal that just closed at $100,000 per door What out-of-state buyers see in Colorado that local investors sometimes miss Why Yardi Matrix is calling for rent growth to return by the end of 2028 The Denver multifamily market has spent two years compressing, and Connor lays out exactly where the numbers now pencil for buyers with capital and patience. If you’re weighing a Denver multifamily entry or watching the cycle for the right moment, this conversation gives you the current pricing, the current terms, and the current sentiment from someone closing deals every month. Watch the Youtube Video https://youtu.be/_a37k7sifBw Timestamps 00:00 — Are we at the bottom of Denver multifamily? 01:22 — Connor’s background and path into commercial brokerage 08:26 — Career tips for young brokers 10:30 — Connor’s niche: Denver metro, 20 to 100 unit deals, $720M closed 12:40 — Oversupply, concessions, and the rate reset 15:06 — NOI compression across the market 15:49 — Insurance doubled since 2019, now softening 17:28— 2026 tax reassessments 19:03 — Aurora hit hardest, Golden Triangle rents off 25% 20:45 — $63M building sold for $30M 21:38 — Wheat Ridge, Golden, and Arvada holding value 22:13 — Who’s buying now 25:10 — Why local investors are sitting on cash 28:16— Syndicator activity today 30:05 — Legislation pushing 70-year-old landlords out 33:14— Why coastal capital still sees Colorado as friendly 37:00— Where we are in the cycle 39:15— Foreclosures, lenders, and receivership 43:34— Cap rates in the 8s and positive leverage returns 46:00 — Lakewood 20-unit at $100K per door 48:11— How to reach Connor Links in Podcast Connor Knutson at Pinnacle Real Estate Advisors: cknutson@pinnaclerea.com Connor’s cell: 303-217-3601 Pinnacle Real Estate Advisors Yardi Matrix

In this episode of Front Cover: A Rough Notes Podcast on the Agency Intelligence Podcast Network, Jason Cass sits down with Robbie Smith, Co-Founder of Oakbridge Insurance the agency featured on the September 2026 front cover of Rough Notes Magazine.  Key Topics: Robbie reflects on Oakbridge Insurance earning a spot on the cover of Rough Notes Magazine Oakbridge Insurance formed five and a half years ago when four Georgia agencies came together The firm now generates over $210 million in revenue across nine Southeast states Business mix spans 60% commercial P&C and surety, 22% personal lines, 18% employee benefits Third party capital from Corsair Capital and now Audax Private Equity fuels growth and M&A A COVID era frustration with failed internal perpetuation sparked the idea behind Oakbridge Insurance Valuing agencies the way they're run, tracking KPIs like shareholder and producer age Structuring deals so the "last generation" gets cash while the "current generation" earns equity Oakbridge Insurance's four guiding principles: opportunity, excellence, collaboration, and community Passing leadership to a new CEO, president, and COO as Oakbridge Insurance targets its next five years Reach out to: Robbie Smith Jason Cass Visit Website: Oakbridge Insurance Rough Notes Magazine Produced by PodSquad.fm

This week, Sarah Segal tells David C. Barnett and Jay Goltz that she has decided it's time to pay more attention to something that can occasionally get lost amid the other demands of running a business: making money. Sarah's agency is having a very good year, with revenue growing 40 to 50 percent. But she's realized that growth alone isn't enough. She wants to know exactly what it costs to hire each employee, what it costs to service each client, whether her fees are covering those costs—and what has to change if she's going to hit a 20 percent profit margin. She's also confronting something a lot of owners struggle with: how much to pay herself. For years, Sarah says, she's been inclined to put the money back into the business rather than pay herself a market rate salary. Now she's trying to do both—raise her own compensation while making the business more profitable.Along the way, Sarah, Dave, and Jay weigh in on how owners can fool themselves about profitability, why growing businesses eventually require real budgets, and what owners should actually expect from their banks. Is a bank merely a safe place to park your cash, or can you expect it to help you finance and build your business?Plus: When should a new business start paying its owner a salary? Dave argues that until a business can pay the owner for the work he or she is doing, it's more of a hobby than a business. He also explains how entrepreneurs can get trapped in money-losing businesses—not necessarily because they still believe in the business, but because loans, leases, and personal guarantees can make shutting down even more expensive than continuing to operate. The episode is brought to you by Grasshopper Bank.

What does it actually look like to build a fast-growing advisory firm without sacrificing the depth of your client relationships? In this episode, I'm sitting down with financial advisor Emily Rassam to take a behind-the-scenes look at the client experience, workflows, and team structure she's used to build a thriving practice serving approximately 270 families. We dig into how behavioral finance shapes everything from prospect conversations to financial plans, why every meeting in her firm has a defined purpose and process, and how her team delivers a highly personalized experience without relying on traditional client segmentation.In this episode you will learn:How to use behavioral finance questions to identify ideal clients and create deeper financial planning conversations.Why a structured onboarding process can differentiate your firm before a prospect ever becomes a client.How to build a flexible client service model that combines consistent processes with personalized planning.How strong workflows and delegation allow advisors to step away from prep and follow-up without sacrificing the client experience.If you've ever wondered how to create a more personalized client experience while still building a practice that can scale, this conversation gives you a look under the hood of a firm doing exactly that. You'll walk away with practical ideas for structuring your meetings, strengthening your workflows, using your team more effectively, and creating the kind of processes that give you more capacity to focus on the work you do best.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.

Christopher Gandy, president of the National Association of Insurance and Financial Advisors, says that many consumers and savers are so focused on hitting numbers that they lose sight of what they really want, which is "a great quality of life and not having to worry about running out of money." Gandy, who is the founder of the Legacy Wealth Group, says that people spend their lives considering how much it takes to retire without looking at what they need to spend to have the  retirement lifestyle they desire. Moreover, he says that those savers don't adjust their savings habits over time, so they set goals young but take poor paths to achieve them by not adjusting to their changing circumstances over time. Lester Jones, chief economist for the National Beer Wholesalers Association discusses the August 2026 Beer Purchasers Index, which showed a marked improvement from last year, but which still maintains a "cautionary position" as the summer selling season winds down. The forward-looking index shows some signs of the K-shaped economy, with inflation and higher prices being reflected in below-premium brands picking up, with the top end of the curve spending more on premium beers and ciders. Luke Lango, lead technology and cryptocurrency analyst at InvestorPlace — publisher of the Innovation Investor newsletter — talks technology and artificial-intelligence investing in the Market Call, noting that while A.I. is tied into every positive tech story, every individual stock is its own situation, and the best prospects are companies that have something that is needed, defensible and able to turn demand into profits.

Seven Life Insurance Tax Benefits Many People Are Unaware Of Episode 398 – It's not always easy to understand how life insurance works. But there are some unique tax advantages that often get overlooked. Here are seven of them. More SML Planning Minute Podcast Episodes Transcript of Podcast Episode 398 Hello, this is Bill Rainaldi, with another edition of Security Mutual's SML Planning Minute. In today's episode: seven life insurance tax benefits many people are unaware of. Is there really such a thing as a simple financial product? Maybe. But in many—if not most— cases, tax law introduces complications that can make some products difficult for the typical consumer to understand. But with that comes opportunity. You're going to pay taxes anyway, but along the way, you might as well make an effort to minimize them. Life insurance, particularly permanent life insurance, offers its share of tax complexities. But many of these, if you truly understand them, can help produce advantageous after-tax results. Here are seven tax benefits you might not be aware of: 1) In most cases, the life insurance death benefit is income tax-free. This is probably the biggest, and most well-known, tax advantage of life insurance. When you receive a large sum of cash after someone dies, the taxation depends on where the money comes from. For example, if you inherit an individual retirement account or IRA, you are likely to be facing a significant income tax bill. Not so with a life insurance death benefit. We must caveat, that we are referring to typical lump-sum payouts directly to a named person that are generally income tax-free. Exceptions can occur due to interest earnings, estate size, policy transfers, or complex ownership structures. These are not typical scenarios, however. Using the typical scenario, the difference is potentially huge. If you're in a 32 percent tax bracket for example, your $1,000,000 of pre-tax cash will only be worth $680,000 after tax. But with the few exceptions already referenced, a $1,000,000 of life insurance death benefit is worth the full $1,000,000 after tax. 2) Tax-deferred growth of cash value. In most circumstances, a permanent life insurance policy will generate a cash value, which is also the amount you would receive if you surrendered the policy. Note that a term life insurance policy generally does not have any cash value.The cash value within a permanent policy—in most but not all cases—grows on a tax-deferred basis, unlike, say, a mutual fund or a stock that pays a dividend. The gains within the policy are not taxed from year to year. Gains only become taxable in certain circumstances, such as a cash surrender of the policy, certain withdrawals above your taxable basis, or if the policy lapses. 3) Tax-free borrowing via policy loans. You have the ability to borrow against your policy's cash value on a tax-free basis, within limits, as long as the policy stays in force. Tax-wise, loans are treated as debt, not income. As with most types of loans other than home mortgages, interest payments are not deductible. But unlike a bank loan, the loan decision is entirely yours. You don't have to ask anyone else to approve your application, and while you will continue to accrue interest, you are not required to pay the loan back at any particular time. 4) Receiving an “accelerated death benefit” that is generally tax-free. If you are chronically or terminally ill, you may be able to access a portion of the policy's death benefit while you are still living if the policy includes a chronic or terminal illness accelerated death benefit provision. From a tax perspective, assuming certain conditions are met, the distribution would be treated as an income tax-free acceleration of the eventual death benefit payment. 5) Tax-free exchanges via IRC Section 1035. You can also exchange one life insurance policy for another without being immediately taxed on any gains. There are, of course, some rules you'll need to follow. When the first policy is transferred, the money needs to go directly from the original transferring insurance company to the new insurance company. Of course, if the original company is also issuing the new policy then there is no physical transfer. The main thing is that you can't take receipt of the policy proceeds yourself during the exchange. Also, the new policy must have the same owner and insured as the old one. No material changes may occur but if you follow the rules, a Section 1035 exchange can be an opportunity to improve the life insurance benefits over the ones in your original transferred policy. The new policy may have a higher or less expensive death benefit, performance implications, or riders that may not have existed before or are better, all without any current tax implications. 6) A life insurance policy can help with estate taxes. Not many people think about this one. After all, federal estate tax law, as of 2026, allows you to leave up to $15 million to your heirs ($30 million for a married couple) before any federal estate tax is assessed.[1] But state estate tax laws are different. If you live in certain states, such as New York, Maryland or Massachusetts, the threshold is much lower.[2] Estate tax rates can be high, and an Irrevocable Life Insurance Trust (ILIT) can help ensure the associated life insurance proceeds are not included in your taxable estate, thus minimizing or helping to avoid a potentially significant estate tax. If this sounds like something you'd be interested in, it is recommended to consult with a qualified life insurance professional. 7) In a business situation, life insurance can potentially have tax advantages. Businesses can find ways to use life insurance in a tax-efficient manner. This might include buy-sell agreements, key-person insurance, split-dollar arrangements, or executive benefit plans. Premiums paid are generally not deductible for the business, but these strategies can still provide significant tax advantages to both the business and the insured individual(s). And here's a bonus tax-advantaged use of life insurance: 8) Potential retirement income. If the circumstances are right, a cash value life insurance policy can be used to supplement retirement income. This doesn't happen overnight; it's a strategy that generally needs to be planned out well in advance. Once a life insurance policy has been well-capitalized (and this usually takes someone many years) it is possible to access cash value through periodic tax-free loans and withdrawals to the policy's tax basis. This strategy can provide retirement income that is both tax-free and not subject to Required Minimum Distributions or RMDs. Such loans and withdrawals are generally not guaranteed. As is always the case with taxation, things can become very complicated, and there are some pitfalls to watch out for. One of the most notable is something called a “modified endowment contract.” The IRS specifies how much money can be paid into a life insurance contract, and if you exceed those limits, many of the tax advantages could be lost. It's too complicated to discuss in detail here, but it's a good illustration of why you need the help of a qualified life insurance professional. Interested in pursuing some of the special tax advantages discussed here? Your Security Mutual Life insurance agent can help. Your Security Mutual Life insurance agent can augment or help assemble your financial team and coordinate with your attorneys and tax professionals to review your situation, and to determine the insurance plan that will best suit your needs and objectives. [1] Internal Revenue Service. “Estate Tax.” IRS.gov. https://www.irs.gov/businesses/small-businesses-self-employed/estate-tax (accessed August 6, 2026). [2] Loughead, Katherine. “Estate and Inheritance Taxes by State, 2025.” Taxfoundation.org. https://taxfoundation.org/data/all/state/estate-inheritance-taxes/ (accessed August 6, 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

Are you tired of burning time on dead-end leads? In this episode, Quality vs Quantity Leads Insurance: Stop Chasing Bad Leads, we unpack the real truth behind lead generation for independent agents and how to build a sales pipeline that actually converts!

Send us Fan MailWelcome to The Helicopter Podcast, brought to you by Vertical HeliCASTS!Aviation insurance can often feel like a complicated process, but behind every policy is a conversation about risk, experience, and finding the right solution.In this episode of The Helicopter Podcast, Halsey sits down with Ryan Konrath of Wings Insurance and Michael Puglisi of IAT Insurance Group to explore the world of aviation insurance from both sides of the table. They discuss how brokers and underwriters evaluate pilots, aircraft, and operations—and why the best outcomes come from communication, preparation, and understanding the bigger picture.Ryan and Michael explain the difference between shopping for insurance and choosing the right broker, the role curiosity plays in building a strong application, and how underwriters work with clients to find solutions instead of simply saying no.From navigating changing insurance markets to understanding how career paths can take unexpected turns, this conversation offers valuable insight into one of the most important parts of aviation that often happens behind the scenes.Thank you to this episode's sponsors, Enstrom, Hillsboro Heli Academy and Robinson Helicopter.

Dr. Josh Schacter spent years as a high volume orthopedic surgeon, performing close to 1,000 surgeries annually and seeing 50 patients a day inside the insurance system. On this episode of Willpower, he joins Will Humphreys to talk about the internal and external transition that took him from burned out technician to integrative orthopedic physician running a cash pay practice built around deep patient connection.Dr. Schacter walks through the mindset shifts required to leave insurance behind, the limiting beliefs providers carry from medical training, and how a trip to Ecuador with the Ashuar people reshaped his relationship to stress and presence. He shares patient stories, including a man who avoided a hip replacement through regenerative therapy and a case of reversed Type 2 diabetes discovered during a knee visit, and explains why he believes over a million joint replacements can be prevented by 2042.Key takeaways:Dr. Schacter transitioned his practice to roughly 80% cash pay revenue within three months.He reduced his patient load from 50 per day to an average of 10, spending up to 90 minutes with new patients.Chronic pain has been linked to a 3 to 5 percent shorter lifespan, and 80 percent of patients report feeling rushed during medical visits.Dr. Schacter's integrative approach treats orthopedic issues alongside metabolic and psychological factors, including cases where diabetes was reversed through diet, nutraceuticals, and micro-dose GLP-1.His wife, Amber Schacter, serves as CEO of the practice and was the driving force behind the shift to a different care model.He references Steven Pressfield's The War of Art and its concept of "resistance" as a framework for understanding the internal beliefs that keep providers stuck in traditional systems.Dr. Schacter's long-term goal is to prevent over one million joint replacements by 2042 through earlier, deeper intervention.If you're a provider who feels stuck inside a system that wasn't built for deep care, this conversation is for you. Connect with Dr. Joshua SchacterWebsite: www.pinnacleorthowf.com FB and IG: @pinnacleintegrativeorthopedics, @drjoshuaschacter Tiktok: @drjoshuaschacter Youtube @DrJoshuaSchacter Send us Fan MailRockstars specialize in helping support or replace all non-clinical roles.Learn how a Rockstar can help scale your physical therapy practice.Subscribe here to our completely free Stress-Free PT Newsletter for your weekly dose of joy. 

Sometimes the biggest problems in an insurance agency don't start with a giant red flag. They start with the little yellow ones we notice, question for a second, and then choose to ignore. We discuss the warning signs agents shouldn't overlook: from clients who want you to bend the rules,  stories that don't quite add up, last-minute emergencies, and those moments when your gut is simply telling you something isn't right.Plus, Mike's lack of an SEC allegiance is officially declared a yellow flag, and he's forced to choose a team for the 2026 season.Learn more at IntegraPartnerNetwork.com.

Episode Detail When wildfire risk pushed many insurers to retreat from the California homeowners market altogether, CSAA Insurance Group chose a different path: reward the homes that actually harden against fire with a three-year rate guarantee and a discount of up to 30 percent, and keep writing business through it. In this conversation, Mike Zukerman, President and CEO of CSAA Insurance Group, joins Bryan Falchuk to talk about what that choice has actually looked like inside a company that insures around 600,000 California homes, why he believes a healthy, competitive insurance market serves customers better than any single carrier cornering it, and how CSAA is using AI to give its claims and customer service teams more room for empathy rather than replacing them. They also get into what it takes to hold a culture together across a workforce that is 97 percent remote, and why Zukerman thinks the basics of caring about a customer, even when the answer is no, still decide who wins a soft market. Every choice Zukerman describes here, the underwriting, the AI, the culture, comes down to the same discipline: doing the harder, more proactive thing on purpose instead of waiting for a crisis to force it. Guest Bio Mike Zukerman is President and CEO of CSAA Insurance Group, a AAA insurer serving members across 23 states and Washington, D.C. He was appointed to the role in May 2024 after serving as interim CEO since August 2023, succeeding Tom Troy. Zukerman joined CSAA Insurance Group in 2011 as Chief Legal Officer, a role he held for roughly twelve years, and also served as the company's acting Chief Operating Officer in 2014. Before joining CSAA, he spent about two decades in technology and legal leadership roles, including at GeoVera Holdings, Critical Path, Sega, and Netopia. He holds a law degree from American University and a bachelor's degree from UC Berkeley, where he has also guest-lectured at the Haas School of Business on law and entrepreneurship. He was named 2017 Corporate Counsel of the Year by the San Francisco Business Times. Zukerman serves on the boards of the American Property Casualty Insurance Association (APCIA), the Bay Area Council, and Keep Tahoe Blue. Show Notes: Wildfire Risk: Rewarding Home Hardening, Not Retreating From It: CSAA guarantees at least three years of coverage, plus a discount of up to 30 percent, for any home that meets the IBHS Wildfire Prepared Home standard. Zukerman says CSAA has non-renewed at most about 2 percent of its book, even as other carriers stopped writing new homeowners business in parts of California entirely. Despite the state's reputation, Zukerman cites a LendingTree study ranking California the eighth-cheapest state for homeowners insurance, behind Oklahoma, Nebraska, and Colorado. Zukerman wants more competitors back in California, not fewer: a robust, competitive market serves customers and the state better than any single carrier absorbing all the risk. AI as a Force Multiplier for Empathy, Not a Replacement for People: CSAA remains a high-touch business by design: callers reach people in the US, even as some competitors move claims intake to agentic AI. AI now listens in on claims calls and generates the summary, freeing the person on the phone to focus on the customer instead of scrambling to document everything, and it can catch details, like a passing mention of back pain, that a stressed human might miss. Zukerman compares the shift to the arrival of ATMs: bank tellers didn't disappear, they were up-leveled to more judgment-based work, and he expects claims and customer service roles to follow the same path. He expects most carriers to lean on agentic AI by default within three to five years, but says CSAA will give customers the choice between a human and AI rather than force one. Culture and Distributed Work: Humility, Not Proximity: About 97 percent of CSAA's roughly 4,000 employees work remotely, split between roughly 3,000 call center staff and 1,000 knowledge workers in underwriting, finance, and legal. Zukerman keeps the leadership team meeting every two weeks, in person once a month, backed by what he calls close to zero real constraint on the travel budget for teams to get together. He's built the culture intentionally around humility: people feeling safe enough to say "I don't know" or ask for help out loud, which he calls flattering rather than a weakness. CSAA runs 14 employee-led culture groups and regular volunteer programs, and recently opened a new office in Phoenix, where the company now employs more people than it does in California. Customer Delight in a Softening Market: Zukerman points to a record: 54 percent of auto insurance customers shopped for a new policy last year, and he expects retention, not new acquisition, to be the growth lever in the soft market ahead. He argues delight doesn't always mean solving the problem: even when CSAA can't waive a deductible or has to deny part of a claim, the outcome that keeps a customer loyal is feeling like the person on the phone actually cared. He makes the point through an unlikely source: a maddening call with his cable provider that never solved his problem but still left him feeling genuinely cared for. Career, Liberal Arts, and Learning How to Think: Zukerman spent the first half of his career in technology and law before joining CSAA Insurance Group in 2011 as Chief Legal Officer. He points to Nvidia CEO Jensen Huang's advice to study liberal arts, and says he gave his own kids the same counsel: use college to learn how to think before specializing. He compares AI's disruption to the arrival of the light bulb, noting that new tools have repeatedly reshaped which skills matter without eliminating the need for judgment. Prior Guests from CSAA Insurance Group Ryan Vigus, EVP, Personal Lines Product Management Laurna Castillo, SVP, State Product Management Debbie Brackeen, Chief Innovation & Corporate Development Officer 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.

Insurance protects us from the unexpected, but has it taught us to forsake personal responsibility, wisdom, and living by every word from the mouth of God?

Recorded at Pratt Podcasting in Scottsdale, the newest episode of the AZ Big Podcast with Michael & Amy has officially dropped. Episode 256 features Cole Tsonis of Marsh McLennan Agency, who talks about managing insurance costs.

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In this episode of The Psychedelic Podcast, Paul F. Austin speaks with psychiatrist and TaperClinic founder Dr. Josef Witt-Doerring about antidepressant withdrawal, psychiatric deprescribing, and psychedelic readiness. Find full show notes and links here: https://thethirdwave.co/podcast/episode-371/?ref=278 Josef explains what he learned reviewing drug safety at the FDA, why withdrawal can be mistaken for relapse, and how tapering often becomes more difficult at lower doses. They also explore the lifestyle foundations of mental health, benzodiazepine withdrawal, and why psychedelic clinics may need far more sophisticated support as increasingly medicated patients seek psilocybin, MDMA, LSD, and ketamine. Dr. Josef Witt-Doerring, MD, is a psychiatrist renowned for his expertise in drug tapering and withdrawal management. With years of experience in clinical psychiatry, he has developed a particular interest and specialization in assisting patients with the safe and effective tapering of psychiatric medications. His approach is patient-centered, focusing on individualized plans that prioritize patient well-being and functioning. He is the founder and medical director of TaperClinic. Highlights: What antidepressant research leaves unanswered Why withdrawal can resemble relapse How lower doses change tapering Five foundations before optimization hacks Benzodiazepines in psychiatric deprescribing Psychedelics versus conventional drug models Insurance pressure on psychedelic clinics Preparing for heavily medicated patients TaperClinic: https://taperclinic.com/ TaperClinic Free Guide: https://taperclinic.com/free-guide/ SSRI Deprescribing & Psychedelic Readiness Training with Dr. Dave Rabin: https://edu.psychedeliccoaching.institute/ssri-deprescribing-and-psychedelic-readiness-certification/?ref=12 Disclaimer: This content is for educational, informational, and entertainment purposes only. We do not promote or encourage the illegal use of any controlled substances. Nothing said here is medical or legal advice. Always consult a qualified medical or mental health professional before making decisions related to your health. The views expressed herein belong to the speaker alone, and do not reflect the views of any other person, company, or organization.

Run That Prank Back - Stripper Insurance full 520 Mon, 31 Aug 2026 14:00:00 +0000 wfQ8WUHVX0kOgjhJT49CZnLmAWAHXk7F comedy SHMS Shenanigans! comedy Run That Prank Back - Stripper Insurance Catch up on what you missed on The Steve Harvey Morning Show. 2024 © 2021 Audacy, Inc. Comedy https://player.amperwavepodcasting.com?feed-link=https

Download “How To Find Ultra High Net Worth Clients" from https://financialadvisorsworkshop.com/ Peggy Martin is a financial advisor based in the San Francisco Bay Area (Morgan Hill, CA) with over 35 years of industry experience. Partnering with her husband Craig, Peggy specializes in wealth planning, legacy strategies, and holistic financial guidance, taking a deeply compassionate, high-touch approach to working with families, seniors, widows, and widowers. Backed by advanced industry designations—including a ChFC®, Master's in Financial Services, and Charter Advisor for Senior Living—Peggy combines analytical precision with empathetic hand-holding, building a thriving, referral-driven practice rooted in genuine community involvement and relationship-building rather than cold marketing.In this episode, Brian and Peggy discuss:Transitioning from Insurance to AUM: Moving away from transactional sales toward full-service financial planning that stabilizes client emotions during volatile markets.The Power of High-Touch Client Care: How face-to-face reassurance saved a client from panic-selling at the bottom of the market.Organic Client Growth Through Community Work: Building a high-net-worth client base naturally through non-profit leadership, local volunteerism, and authentic connections.Escaping the Solo Advisor Trap: Reclaiming time and bandwidth by leveraging back-office support for trading, compliance, and administration while maintaining full operational autonomy.Website: http://www.healthywealthyfamilies.net/ https://fourstarwealth.com/staff/peggy-martin LinkedIn: https://www.linkedin.com/in/peggy-martin-msfs-chfc-clu-casl-190059a/ To see short videos of all our best FA Business Growing tips follow us on: Instagram: https://www.instagram.com/FinancialAdvisorsWorkshop  TikTok: https://www.tiktok.com/@faworkshop  YouTube: https://www.youtube.com/@financialadvisorsworkshop Facebook: https://www.facebook.com/FinancialAdvisorsWorkshop  Twitter: https://twitter.com/FAsWorkshop  iTunes: https://podcasts.apple.com/us/podcast/financial-advisors-workshop-with-brian-kasal/id1614768408  Spotify: https://open.spotify.com/show/4OB78889GRx2FHjvWtsyeE  Website: https://www.financialadvisorsworkshop.com/  Work with FourStar: https://financialadvisorsworkshop.com/Advisors  DISCLAIMER: This content is provided by FourStar Wealth Advisors for the general public and general information purposes only. This content is not considered to be an offer to buy or sell any securities or investments. Investing involves the risk of loss and an investor should be prepared to bear potential losses. Investment should only be made after thorough review with your investment advisor considering all factors including personal goals, needs and risk tolerance. FourStar is an SEC registered investment advisor that maintains a principal business in the state of Illinois. The firm may only transact business in states in which it has filed or qualifies for a corresponding exemption from such requirements. For information about FourStar's registration status and business operations please consult the firm's form ADV disclosure documents, the most recent versions of which are available on the SEC investment advisory public disclosure website at www.adviserinfo.sec.gov

Stronger commodity prices may be creating opportunities for farmers, but fertilizer and energy costs continue to add uncertainty to farm margins. In this episode of FMH InsureCast, StoneX Vice President of Fertilizer Josh Linville joins FMH's Dave DeCapp and Ken Ripley to discuss what's driving fertilizer markets, how global supply conditions are affecting input prices, and what farmers may want to consider as they plan ahead.They cover:• What global fertilizer markets could mean for input costs• Why producers might consider layering fertilizer purchases • How commodity prices and input costs factor into margin coverage• Margin Coverage Option (MCO) and Margin Protection considerations• What producers should discuss with their crop insurance agents before the September 30 deadlineWith crop prices, fertilizer costs, and global markets all moving at once, understanding how these factors work together can help producers make more informed risk management decisions.MCO and Margin Protection have a September 30 deadline for the upcoming crop year. Talk with your crop insurance agent about your operation, expected county yields, and whether margin-based coverage may fit your risk management plan.Subscribe to FMH InsureCast for more crop insurance and agriculture industry insights for farmers and crop insurance agents.#CropInsurance #Agriculture #Farming #FertilizerPrices #FarmMargins #RiskManagement #MCO #MarginProtection

In this episode of Referrals Done Right, Scott Grates sits down with marketing strategist Samantha Calderón to talk about simplifying marketing for solopreneurs. Samantha shares why trying to be everywhere can quickly become overwhelming. Instead, she encourages entrepreneurs to understand their ideal audience and focus on the marketing activities that actually work.Scott and Samantha also explore content creation, relationship building, and the changing role of AI in marketing. Samantha shares her approach to content days and explains why collaboration can make entrepreneurship feel less isolating. They also discuss the growing value of authenticity in an AI driven world. As technology continues to evolve, genuine human connection may become more valuable than ever.In This Episode:• Why solopreneurs should stop trying to market everywhere at once.• How content days can simplify marketing and make content creation more manageable.• Why investing deeply in a few relationships can be more valuable than knowing everyone.• How Samantha uses AI as a tool without sacrificing her voice or authenticity.• Why real human connection will continue to matter as marketing becomes more automated.---Samantha Calderón's Links:Website - https://www.samanthacalderon.comLinkedin - https://www.linkedin.com/in/samantha-calderon-gutierrezSubstack - https://substack.com/@launchwsamantha---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

This episode of the podcast is a must-listen for anyone concerned about the state of California and the direction of its politics. The conversation is a thought-provoking discussion between the host and a guest, John Fleischman, publisher of SoDoesItMatter.com, about the current state of California and the candidates vying for the position of mayor of Los Angeles. The episode delves into the problems plaguing California, including the rising cost of living, the homelessness crisis, and the state's struggling economy. The conversation also touches on the upcoming mayoral election in Los Angeles, where two candidates, Karen Bass and Nithya Raman, are vying for the position. The host and guest discuss the challenges facing the city, including the recent fire that destroyed a home in Studio City, and the lack of action taken by the current city officials.See omnystudio.com/listener for privacy information.

Daily? Weekly? Monthly? When does the money your business makes actually become YOUR money?

In this case, the Supreme Court sought to balance the group litigation order regime against the need to get the law right. https://uklawweekly.substack.com/subscribe Music from bensound.com

This episode of the podcast is a must-listen for anyone concerned about the state of California and the direction of its politics. The conversation is a thought-provoking discussion between the host and a guest, John Fleischman, publisher of SoDoesItMatter.com, about the current state of California and the candidates vying for the position of mayor of Los Angeles.The episode delves into the problems plaguing California, including the rising cost of living, the homelessness crisis, and the state's struggling economy. The conversation also touches on the upcoming mayoral election in Los Angeles, where two candidates, Karen Bass and Nithya Raman, are vying for the position. The host and guest discuss the challenges facing the city, including the recent fire that destroyed a home in Studio City, and the lack of action taken by the current city officials.The discussion highlights the need for accountability and transparency in government, particularly in the face of catastrophic events like the Studio City fire. The host and guest also discuss the role of special interest groups, such as the DSA, and their influence on the city's politics. The conversation is a wake-up call for listeners to pay attention to the issues affecting their community and to demand more from their elected officials.If you're concerned about the future of California and the direction of its politics, this episode is a must-listen. Tune in to hear the host and guest discuss the challenges facing the state and the city, and to learn more about the candidates vying for the position of mayor of Los Angeles.See omnystudio.com/listener for privacy information.

This episode of the podcast is a must-listen for anyone concerned about the state of California and the direction of its politics. The conversation is a thought-provoking discussion between the host and a guest, John Fleischman, publisher of SoDoesItMatter.com, about the current state of California and the candidates vying for the position of mayor of Los Angeles.The episode delves into the problems plaguing California, including the rising cost of living, the homelessness crisis, and the state's struggling economy. The conversation also touches on the upcoming mayoral election in Los Angeles, where two candidates, Karen Bass and Nithya Raman, are vying for the position. The host and guest discuss the challenges facing the city, including the recent fire that destroyed a home in Studio City, and the lack of action taken by the current city officials.The discussion highlights the need for accountability and transparency in government, particularly in the face of catastrophic events like the Studio City fire. The host and guest also discuss the role of special interest groups, such as the DSA, and their influence on the city's politics. The conversation is a wake-up call for listeners to pay attention to the issues affecting their community and to demand more from their elected officials.If you're concerned about the future of California and the direction of its politics, this episode is a must-listen. Tune in to hear the host and guest discuss the challenges facing the state and the city, and to learn more about the candidates vying for the position of mayor of Los Angeles.See omnystudio.com/listener for privacy information.

Dr. Urban A. Kiernan, PhD is a biomedical scientist, entrepreneur, and host of the Decoding Health podcast. As Founder and CEO of iMetabolic Biopharma Corporation, he is advancing innovative therapies targeting metabolic disease while translating complex science into practical strategies for improving healthspan. Dr. Kiernan is a passionate advocate for evidence-based nutrition, metabolic health, and disease prevention, helping people better understand the science behind insulin resistance, obesity, longevity, and human performance. Outside of career Dr Kiernan is a devoted husband, father and grandfather. He is also an active martial arts competitor, holding black belts in both Judo an Brazilian Jiu Jitsu. Socials: IG - https://www.instagram.com/light_bearer/ FB - https://www.facebook.com/urban.kiernan LI - https://www.linkedin.com/in/urban-a-kiernan-ph-d-8568b621/ X: @LightBearer2022 Rumble: https://rumble.com/c/c-7894210?e9s=src_v1_sa%2Csrc_v4_sa_o Website:: https://www.decodinghealthpodcast.com/ Timestamps: 00:00 Trailer 00:30 Introduction 06:15 Balancing work and single parenthood 07:08 Prioritizing health and well-being 11:48 Impact exercise benefits on joint health 15:57 Running hill sprints with friends 17:46 Jiu-jitsu injury and recovery 23:02 Limitations of lab research 26:32 Personal experience with keto diet 27:50 Sticking to keto without cheat days 31:14 Insurance reimbursement and treatment programs 37:02 Understanding HDL cholesterol and debates 39:25 Particle sizing and heart health 41:22 Popularity of weight loss drugs 44:19 Where to find Urban Join Revero now to regain your health: https://revero.com/YT Revero.com is an online medical clinic for treating chronic diseases with this root-cause approach of nutrition therapy. You can get access to medical providers, personalized nutrition therapy, biomarker tracking, lab testing, ongoing clinical care, and daily coaching. You will also learn everything you need with educational videos, hundreds of recipes, and articles to make this easy for you. Join the Revero team (medical providers, etc): https://revero.com/jobs ‪#Revero #ReveroHealth #shawnbaker  #Carnivorediet #MeatHeals #AnimalBased #ZeroCarb #DietCoach  #FatAdapted #Carnivore #sugarfree Disclaimer: The content on this channel is not medical advice. Please consult your healthcare provider.

Fraud investigator Tom Gober explains the $17 Billion insurance scandal of Mark Walter, Guggenheim and the Dodgers. Mark Walter is the previous owner of the LA Lakers and current owner of The Dodgers and is drawing worldwide attention for shady insurance practices tied to his own business. Watch the Interview on Youtube for Visuals - https://youtu.be/iMFsoUeZdLIWant to See If Whole Life Insurance Can Improve Your Financial Plan? Schedule Your Clarity Call Here: https://bttr.ly/bw-yt-aa-clarity Want Us To Review Your Permanent Life Insurance Policy? Click Here: https://bttr.ly/yt-policy-review Want Free Whole Life Insurance Resources & Education? Go Here: https://bttr.ly/yt-bw-vault Learn More About BetterWealth: https://betterwealth.com Chapters: 00:00 - Introduction to the Mark Walter Investigation01:33 - Explanation of Affiliated Investments and Insurance Structure05:28 - Concerns with Liquidity and Risk in Private Equity Ownership07:38 - Regulation Standards for Affiliated Investments12:06 - Offshore Reinsurance and the Use of Cayman Islands Accounts14:25 - Greg Lindberg Case Study and Historical Context18:06 - 2014 Complaint and the History of the Current Investigation20:16 - Current Risk Analysis of Insurance Carriers23:36 - Advice and Critical Information for Policyholders25:24 - Future Predictions and Potential Liquidity Stress Events26:24 - Closing Remarks and the Value of Mutual Insurance Companies DISCLAIMER: 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.

Are you relying too much on single-source carrier vetting platforms, or worse, watching national security take a hit from blatant freight fraud? In this episode, we'll cover the biggest transportation headlines shaking up the freight industry this week! First, we tackle a wild report exposing how millions of dollars in classified military freight from Transcom were awarded to convicted fraudsters running single-truck operations—a massive national security concern that highlights the dangerous dysfunction in current freight fraud prevention and government vetting protocols.  Then, we break down an article on Motive restricting Highway's ELD data access over integration and payment disputes, cutting off real-time visibility for freight brokers and proving exactly why over-relying on a single automated vetting software without building direct, core carrier relationships is a recipe for disaster. Tune in to stay updated!   Resources / References https://www.freightwaves.com/news/motive-restricted-highways-data-access-over-a-payment-demand https://www.overdriveonline.com/regulations/article/15833550/millions-in-military-freight-awarded-to-convicted-fraudster-huffman-monks-fleets  

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald, interviewed Audreanna Ayala.