Podcasts about Insurance

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So, you've decided to buy a cruising boat. Congratulations! Which is the best fit for you? A catamaran or a monohull? Here are some thoughts from someone who has cruised on both. Summary Which is a better cruising vessel, a catamaran or a monhull? After cruising aboard both a 37-foot monohull and later a 34-foot catamaran, I've seen benefits and drawbacks to each. For life aboard, a catamaran is more comfortable. Even a shorter cat will feel larger. Beds are more likely to fit standard sizes, and the space can feel light and airy. However, storage is usually easier on a monohull. They have more built-in storage spaces. In addition, while no boat should be overloaded, catamarans are particularly sensitive to weight. If you fill a cat with too many spares and tools, it will affect performance.  Underway, cats are faster. Without a heavy keel to push through the water, they slip along. However, monohulls tend to point higher when sailing upwind.  A catamaran's shallower draft opens up more anchoring possibilities. With twin engines, it can do some tricky maneuvers. However, with a wider beam and higher windage, close-quarters handling can be challenging.  Monohulls with fin keels are easier to maneuver, while full-keels can be especially fussy backing into a slip.  Catamarans offer tons of space to entertain in the cockpit. But in poor weather, the deeper and more sheltered cockpit of a monohull will feel safer in rough or cold conditions.  Generally, catamarans are easier to board. A monohull with a sugar scoop completes well. But generally, cats are easier.  While the catamaran's two engines offer a backup if one fails, they also require double the maintenance.  Their saildrives provide less drag but also require more maintenance. For people who dislike heeling, a catamaran's stability offers a big selling point. However, the motion is more jerky underway. Different sailors prefer different motions, and you have to experience it to decide for yourself.  With a roomier deck, sail handling tends to be easier on a catamaran. However, the annoying "slapping" sound under the bridge deck can be irritating when the waves hit wrong. It even happens at anchor. Noise can be another difference. Catamarans can have an annoying slap under the bridge deck when waves hit just right. It can happen even at anchor. Don't forget to consider righting ability. A monohull will nearly always right itself. A catamaran, while it's less likely to capsize, will not turn itself back up.  Catamaran costs can be higher because of their width. Consider the difficulties of finding a spot in a marina or getting hauled out. Insurance may be more expensive as well. Extra equipment--davits, windvanes, solar panels-- works better on one or the other. Think about your needs carefully. Finally, catamarans are nearly always more expensive to buy and maintain.  So, which is better — a catamaran or a monohull?  Catamarans offer space, stability, and a shallow draft. A monohull offers simplicity, sailing performance, and a boat that will right itself if the worst happens. They both have benefits. The choice is up to you. To get more details, listen to the full podcast or check out Catamaran or Monohull (https://theboatgalley.com/catamaran-or-monohull-2/). Subscribe to the Boat Galley Newsletter! - https://theboatgalley.com/newsletter-signup-2 Today's episode is sponsored by Roam Devices. Their Marine Monitor is a premium boat monitoring system that allows you to stay informed with what's happening on your boat while you're ashore for just $349 and $5 per month. Never be caught off guard by a failing battery or burnt-out bilge pump —Your boat will text you as soon as anything starts going wrong! The Roam Devices app shows a real-time view of your boat's status and location with an awesome built in remote anchor alarm. RoamDevices.com - never worry about your boat from afar again. Use coupon code BOATGALLEY for an exclusive 5% discount.  Click to see all podcast sponsors, past and present. - https://bit.ly/3idXto7 Music: "Slow Down" by Yvette Craig    

I know you probably work only on signed BOR ... right? Well, sometimes you might be tempted to offer quotes to a prospect (aka: Non-Client; someone who doesn't trust you yet) who won't sign the BOR over to you. Should you still work on that account and offer a quote, or should you push the "pause button" and try again next year? Well, it all depends on whether or not you can get the prospect to give you three things first.  In this episode, host Charles Specht shares what three things you should do in order to increase your Quote-to-Bind rate by other 25% or more. Give a listen, subscribe, and let Charles explain. And, visit our newly updated website at: https://permissiongroup.com Key Topics: Why second place in insurance sales pays zero commission The three critical things you must secure before offering any quote How to demand exclusive access to the carriers you need to compete Getting objective commitments on what you must accomplish to win the business Why prospects must agree not to share your numbers with other agents How agents lose 20-30% of business when prospects share quotes behind their backs Why it's your fault, not the insured's, when you get used in quoting The reminder system that reinforces commitments throughout the sales process Why insurance buyers prefer one trusted agent but don't know how to choose How agency leaders can boost profits by requiring BOR letters over blind quotes Reach out to  Charles Specht Visit: Permission Network Produced by PodSquad.fm

What really happens after a collision—and how much control do you actually have over the repair of your vehicle? This episode of https://Drive-Radio.com: The Extra Mile, hosted by John Rush with guests Dan and Robert of https://www.brightonautobody.com, a family-run collision center with nearly 60 years of experience doing things very differently than most shops. This hour dives headfirst into the myths surrounding insurance claims, preferred repair shops, and so-called “rules” drivers are often told they must follow. Do insurance companies really get to decide where your car is fixed? Will you lose your warranty if you choose your own shop? And why are vehicles being totaled faster than ever—even when the damage doesn't look that severe? Dan and Robert pull back the curtain on insurance steering, total-loss algorithms, OEM vs aftermarket parts, and why modern vehicles packed with ADAS sensors, radar systems, and electronics demand far more precision than ever before. They also explain diminished value, Carfax reporting, and what drivers are legally owed when an accident isn't their fault. The conversation covers practical scenarios: What if you're paying out of pocket? What if your vehicle has sentimental value? And why do many collision centers turn down older or "customer-pay" vehicles? From remote estimates and paint-matching myths to classic cars and high deductibles, this episode empowers drivers with actionable knowledge insurance companies don't volunteer. If you've ever felt intimidated, rushed, or unsure after an accident, this episode equips you with clear takeaways: understanding your rights, what insurance companies must provide, and untangling the real impact of claims on your vehicle's value. Get empowered before your claim.

Good morning from Pharma Daily: the podcast that brings you the most important developments in the pharmaceutical and biotech world. Today, we delve into the exciting, yet challenging, landscape of gene therapies and their potential to revolutionize healthcare. Recent scientific advancements have pushed the boundaries of what's possible, offering potential lifetime cures for diseases once considered incurable. However, this breakthrough comes with a significant economic caveat: the staggering cost of these therapies, often ranging between $3 to $4 million per patient. This price tag presents a formidable challenge to current healthcare infrastructures.The disconnect between these innovative treatments and existing payment systems is evident in what industry experts term the "$4 million payment problem." Therapies like Lenmeldy and Hemgenix highlight this issue. Lenmeldy, for instance, can prevent metachromatic leukodystrophy with a single infusion priced at $4.25 million, while Hemgenix offers a cure for hemophilia B at $3.5 million. These therapies effectively convert lifelong treatment costs into a singular, substantial payment, challenging traditional insurance models that are built to spread costs over time.The primary obstacle is not the efficacy of these treatments but rather the financial and logistical infrastructures needed to support them. The current insurance model is ill-equipped to handle such large, one-time payments. Employers who often provide health insurance face a dilemma: investing millions in curing an employee who might leave the company shortly after receiving treatment could result in significant financial risk and disincentivizes employers from covering such therapies.Enter Aradigm Health, which has emerged as a potential solution to this conundrum. Aradigm aims to create an "infrastructure layer" specifically for these high-cost cures. With $20 million in funding backing their initiative, Aradigm seeks to pool financial risk across multiple employers, thus mitigating the impact of substantial individual claims. Their model involves employers contributing a fixed monthly fee into a shared fund that covers these expensive treatments when needed. This approach distributes financial volatility across a broader base rather than placing it on individual employers.Aradigm's strategy is not only about financial solutions but also about streamlining logistical complexities associated with delivering gene therapies. Their patient journey management includes coordinating with biotech companies for manufacturing schedules, arranging travel and accommodation for patients and families, and ensuring seamless insurance paperwork handling. This comprehensive support system reduces barriers that often delay or disrupt treatment delivery.Operating as a public benefit corporation with a "cost-plus" model, Aradigm ensures that any surplus from lower-than-expected claims is returned to employers rather than kept as profit. This aligns incentives towards patient care rather than profit maximization. Their approach highlights a critical need within the biotech and pharmaceutical industries: developing adaptable infrastructures that align with rapid scientific advancements.Meanwhile, Amgen has secured significant ground in 2023 with its second FDA approval for Uplizna in treating generalized myasthenia gravis—a chronic autoimmune neuromuscular disorder characterized by varying degrees of skeletal muscle weakness. Uplizna's mechanism involves targeting CD19 on B cells implicated in autoimmune diseases' pathogenesis. This expansion marks an advancement in therapeutic options for patients and underscores Amgen's growing footprint in treating complex autoimmune conditions.GlaxoSmithKline has also made headlines with Blujepa, marking it as the first new class of antibiotics for gonorrhea in over three decades while receiving approval for treating uncomplicSupport the show

Duncan Dale, CEO, Dale Underwriting Partners, said that while the reinsurance market has enjoyed two strong years, underlying claims data reveals worsening trends. Dale spoke with AM Best TV at the Rendez-Vous de Septembre conference, Monte Carlo.

Welcome to Insurance Covered, the podcast that covers everything insurance.In this conversation, Peter Mansfield and Professor Sir David Spiegelhalter explore the intricate relationship between insurance and uncertainty. They discuss the nature of uncertainty, the role of statistics, and the importance of effective communication in risk assessment. The conversation delves into the types of uncertainty relevant to insurance, the significance of models in decision-making, and the challenges of causation in claims. They also touch on the distinction between risk and uncertainty, the need for trust in expertise, and practical considerations for making decisions in an uncertain world.We hope you enjoyed this episode, if you did please subscribe to be notified when new episodes release. Hosted on Acast. See acast.com/privacy for more information.

MONEY MONEY 2026 LIVESTREAM CHINESE NEW YEAR LUNAR YEAR CELEBRATION SONG

#stockmarketindia #dailymarketupdate #goldprice #IndiaInflation #trumptariffs #usindiatrade #swiggy #piindustries #RelianceRetailIPO #IndiGoStock #ICICIAMC #sensex #paytm #insurancebilling #businessnews https://shorturl.at/JNzcKBook Your Seat for Bengaluru Offline Session!Market Update! US Lawmakers challenge Trump's India tariffs. Gold & Silver hit record highs post-Fed signals. India's retail inflation rose to 0.71%. Key Economy News: Cabinet clears 100% FDI in Insurance & Nuclear Energy Bill. Stock movers: Swiggy raises ₹10,000 Cr via QIP; PI Industries falls on client outlook cut. IndiGo stock slumps before Sensex lift-off. ICICI AMC IPO trades at a premium. Get the full market breakdown now! https://shorturl.at/gM97l How to Use Artificial Intelligence for Investing - Combo of 5 ebooks00:00 Start01:09 AI Bubble or not02:57 Gold, Silver Hit Record Highs on Fed Signals05:02 Crude oil prices07:24 US Lawmakers Challenge Trump Tariffs on India08:17 India Retail Inflation Rises to 0.71% in November10:24 Cabinet Approves Insurance Bill with 100% FDI Cap11:08 Insurers Eye Deferred Commission Model to Cut Costs11:42 India Gems & Jewellery Exports Grow 20% in November13:41 Cabinet Clears Nuclear Energy Bill for Private Sector14:28 PI Industries Shares Drop on Client Guidance Cut14:57 Swiggy Raises ₹10,000 Cr via QIP15:44 Paytm Injects ₹2,250 Cr into Payments Arm16:11 Reliance Retail Targets 2028 IPO with Leaner Footprint16:46 IndiGo Shares Tumble Ahead of Sensex Inclusion17:47 ICICI AMC IPO Sees High Grey Market Premium18:26 Knowledge Section

Finding your niche onlineCredit: Her World SingaporeFormer pageant queen Genecia Alluora on empowering women and building a trusted beauty brand through Shopee livestreamingGenecia Alluora Luo, former Miss Singapore Universe runner-up, has worn many hats – from therapist to mentor and cafe owner. Now, she taps Shopee livestreaming to grow new income streams and empower women, shaped by lessons from her first skincare venture, ALLUORAAs a former Miss Singapore Universe second runner up and Miss Singapore International, entrepreneur Genecia Alluora Luo (@geneciaalluora) is no stranger to the spotlight.She has built up multiple business streams, having been an online business mentor, occupational therapist, and cafe chain owner. Now, through her platform and voice, she's carving out another stream of income for herself, while empowering other women to do the same.She does so by leveraging the power of livestreaming on Shopee. However, her journey hasn't always been smooth sailing. Back in 2013, when she started her own skincare business ALLUORA, her biggest struggle was a common one for many entrepreneurs: getting the word out about her brand and finding customers.Things changed in 2020 when Shopee invited her to set up shop on its platform. “Shopee provides a ready base of customers, and takes care of attracting and converting them into sales for us,” she says.How Shopee supports online entrepreneursShopee simplified the process for Genecia as it oversaw marketing, logistics and campaign cycles, so she could focus on scaling her business.Livestreaming proved to be a further game changer for her business. It enabled her to not just sell her products, but also connect with her customers in real-time, getting instant feedback on their concerns about skin pigmentation and dark spots.All this didn't happen overnight. The competitive nature of livestreaming saw her clocking 12 to 16 hours of livestreaming daily when she first started. She was also able to tap on Shopee's promotional campaign periods, such as 11.11, and push promotional vouchers to customers.During last year's 11.11 campaign, she raked in sales of five figures in just a 90-minute livestream.Behind the scenes, Genecia works with Shopee relationship managers who guide her through campaigns, share updates on voucher drops, and support her in creating product bundles.The business has grown so much that she now has more than 10 affiliates working with ALLUORA, on video content as well as livestreaming. The brand, which is self-funded and profitable, has steadily grown while clinching multiple awards. Her eyes are set on growing it further across the region.More than just building a business, she also hopes to empower women and provide them with an alternative source of income.“It's a way for women to find their financial independence or gain re-entry into independence,” she says, adding that training with ALLUORA and a studio space is also provided for her affiliates.Her goal is to help other women succeed.“Shopee has made it so simple to push products. All you need is a phone, Wi-Fi, a tripod, and a little courage. We coach women to share products they believe in, and earn commission without holding stock. Start small. Learn fast. We do this together,” she says.“I know what zero feels like. I've failed, learnt, and kept going. My work now? To shorten your path from stuck to unstoppable – so you don't have to do it alone. Together we are unstoppable.”With Shopee's user-friendly tools, women entrepreneurs are not only growing their businesses, but also uplifting other women along the way.Read more: https://www.herworld.com/independence/former-pageant-queen-genecia-alluora-luo-empowering-women-and-building-trusted-beauty-brand-throughWatch more: https://youtu.be/KMLUmqDhDtY?si=H9ReMJR-GDZG6VK-

This is the full conversation I had with Will Smith and Niklas James on the Acquiring Minds podcast in April of 2025. We broke down how I bought Somewhere.com, how I run my real estate private equity firm, and how I leverage offshore talent to scale revenue while saving costs. We discussed how I think about building teams, why sales is the foundation of all businesses, and why buying a company isn't a shortcut, it's a challenge most people aren't ready for.If you're thinking about buying a business, this episode will show you the side of acquisitions people rarely talk about. Big thanks to Will Smith for having me on, follow him here: https://x.com/whentheresawill Check out more of his work here: https://acquiringminds.co/episodes Also shoutout to Niklas James from Minds Capital for co-hosting this conversation with Will. https://x.com/NiklasWJ In the intro, I mentioned that you should check out this episode from Acquiring Minds that came out just before Thanksgiving, episode 407 with Linh Tran. He quit corporate, bought a small HVAC business, scaled it, and now makes over $5M a year with a CEO running it for him. It's a really good episode: https://acquiringminds.co/articles/linh-tran-advanced-commercial-group-apex-fund 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  

Another conversation with Dr. Greg Basil. Find the video of this conversation at https://youtu.be/yB6dRovePgc

Follow Dan on LinkedIn at linkedin.com/in/cotterdanFollow Pat on LinkedIn at https://www.linkedin.com/in/donald-patrick-eckler-610290824/ PredictionsSure To Go Wrong Griffith Foods: Reverse Polk: Affirm Centegra: ReverseGriffith:https://www.illinoiscourts.gov/courts/supreme-court/oral-argument-audio-and-video/IL app:https://www.illinoiscourts.gov/courts/appellate-court/oral-argument-audio/Polk:https://media.ca7.uscourts.gov/sound/external/ef.25-1556.25-1556_11_12_2025.mp3

Health Reimbursement Arrangements and AI's Economic Potential: Colleague Gene Marks advocates for Health Reimbursement Arrangements, noting they allow small businesses to control costs while employees buy their own insurance tax-free, also discussing AI's potential to double economic growth and advising businesses to ignore doomsday predictions and embrace tools that enhance productivity and daily life. 1964

In this episode the hosts dive into a $4.5M, 12‑bed Los Angeles drug and alcohol rehab facility deal with $4M revenue and $1M SDE, unpacking utilization trends, regulatory risks (MSO/CPOM), and why it might not be a compelling acquisition as‑is.Business Listing – https://www.bizbuysell.com/business-opportunity/drug-and-alcohol-rehabilitation-facilities/2447669/Welcome to Acquisitions Anonymous – the #1 podcast for small business M&A. Every week, we break down businesses for sale and talk about buying, operating, and growing them.

Broadcast from KSQD, Santa Cruz on 12-11-2025: Dr. Dawn presents colleague Dr. Paul Godin's essay on why US healthcare fails as a market system . She explains that healthcare violates every assumption of functional markets: patients can't compare options during emergencies, information asymmetry prevents informed decisions, demand is inelastic when one has an urgent medical issue, and trust is essential to medicine and in direct conflict with profit incentives. Since 1988's Knox-Keen Act allowed for-profit healthcare, private equity has acquired and stripped hospitals, while administrative costs consume enormous resources fighting over payments rather than providing care. She contrasts this with European models like Switzerland and Germany where everyone must participate, insurers must accept all patients, and profit on basic coverage is limited. She celebrates a vaccination success story: HPV vaccines have reduced cervical cancer by 50% over 30 years. The American Cancer Society now endorses self-collected vaginal samples for HPV screening, with an FDA-approved at-home kit from Teal Health allowing women to skip speculums and traditional Pap smears. Current guidelines recommend screening starting at age 25, with testing every five years after a negative result. Dr. Dawn issues a health alert about multiple hospitalizations in Santa Cruz County from foraged wild mushrooms identified incorrectly by phone apps. She describes cholinergic toxicity symptoms: sweating, excessive salivation, pinpoint pupils, and abdominal cramping—signs requiring immediate emergency care rather than waiting it out. She offers follow-up vaccine advice: "go in wet, then sweat." Hydrate before vaccination, then take a hot Epsom salt bath until sweat runs off your face. This helps eliminate adjuvants that cause post-vaccine fatigue and aches, which are often misinterpreted as catching illness from the vaccine itself. Dr. Dawn expresses alarm that Kennedy's reconstituted ACIP nearly voted to eliminate hepatitis B vaccination at birth. She notes infants exposed to infected mothers have 99% infection rates, with half becoming chronically infected and half of those developing terminal cirrhosis or cancer. Testing pregnant women misses infections acquired during pregnancy, and 12-16% of delivering women have no test records. Major insurers have committed to covering birth vaccination through 2026 despite the panel's actions. She offers holiday microbiome advice from researcher Karen Corbin: increase fiber intake through steel-cut oats, whole grain breads like Dave's Killer Bread, beans, apples, and alternative pastas made from lentils or garbanzo beans. Cooking potatoes ahead and reheating creates resistant starch that feeds beneficial gut bacteria, reduces inflammation, and even stimulates natural GLP-1 production. Dr. Dawn reviews research proving health insurance saves lives. When the ACA's Medicaid expansion became optional by state, researchers could compare outcomes, finding 8% lower mortality and 19,000 fewer deaths in expansion states over four years. An accidental IRS experiment—sending insurance enrollment letters to only 85% of penalty payers—showed significantly lower mortality among those who subsequently got insured. Studies of gunshot and auto accident victims found uninsured patients died more often despite receiving identical emergency treatment. She concludes with surprising cancer symptoms: chest pain specifically triggered by alcohol consumption may indicate Hodgkin's lymphoma, as vasodilation activates inflammatory chemicals in affected lymph nodes. Fractures from minimal trauma in people without osteoporosis warrant investigation, as 5% of cancers involve bone. Elevated calcium levels double cancer diagnosis risk in the following year and should prompt follow-up testing.

Gary is joined by Beth Harper, an insurance broker from the Cleveland, Ohio area. They dive into the world of homeowner's insurance, discussing the importance of maintenance and prevention when it comes to costly claims. Beth shares her expertise on how to navigate insurance policies and the potential pitfalls of working with contractors. They also touch on the impact of weather-related issues, such as frozen pipes and ice dams, and how to mitigate damage. With Beth's guidance, homeowners can better understand their insurance coverage and take proactive steps to protect their homes.See omnystudio.com/listener for privacy information.

Gary is joined by Beth Harper, an insurance broker from the Cleveland, Ohio area. They dive into the world of homeowner's insurance, discussing the importance of maintenance and prevention when it comes to costly claims. Beth shares her expertise on how to navigate insurance policies and the potential pitfalls of working with contractors. They also touch on the impact of weather-related issues, such as frozen pipes and ice dams, and how to mitigate damage. With Beth's guidance, homeowners can better understand their insurance coverage and take proactive steps to protect their homes.See omnystudio.com/listener for privacy information.

Predictability is becoming one of the most valuable advantages in today's insurance market, and data and technology are finally making it possible. In this episode, I sit down with Dylan DiMarchi, Co-Founder and CEO of Eventual, to explore how independent agents can use price guarantee strategies to stand out, retain clients, and grow in a challenging market. We discuss how Premium Lock works alongside existing homeowners policies to provide multi-year premium stability without replacing carriers, and how data modeling and AI are helping address volatility driven by inflation and climate risk. This conversation is about more than pricing—it's about giving agents a powerful new way to deliver certainty, differentiation, and long-term value to their clients. Highlights: How premium predictability is becoming a competitive advantage for independent agents. Why homeowners are demanding stability as rate increases continue across the country. How data, AI, and predictive analytics are reshaping insurance pricing and risk management. Ways agents can improve retention and referrals with multi-year value propositions. What the hard market data reveals about regional trends, climate risk, and carrier behavior. How technology-driven guarantees can coexist with admitted carriers and existing policies. About Dylan DiMarchi: Co-founder and CEO of Eventual, the company behind Premium Lock. Premium Lock is a 3-Year Price Guarantee that works alongside homeowners’ existing carriers and coverage to help homeowners fight back against rising insurance prices. Premium Lock is distributed by independent insurance agents across America, helping them grow their businesses faster by (i) marketing a long-term price guarantee to differentiate and win more customers, (ii) improving retention with a multi-year product, and (iii) adding an incremental commission stream. Dylan was born and raised in Hawaii and studied mechanical engineering and economics at Yale. Prior to Eventual, Dylan was an Investment Professional at Blackstone, where he invested $3.5bn in commercial real estate during his tenure. Until next time, get out there and make a difference, be unstoppable, and leave no regrets! Mike Stromsoe The Unstoppable Profit Producer Call 800-770-9984 Email: vip@upplife.com Website: http://unstoppableprofitproducer.com/ Live Events: http://uppmastermind.com/ Podcast: http://unstoppableprofitpodcast.com If you want to learn more about our Coaching & Mastermind Programs and how they can help you grow your agency business, schedule your private Agency Growth Session with Mike Stromsoe Now (click here)!

Robert is in Panama for December 2025. He remarks on the changes in his life over the past several months and how the insurance he needs changes with it. BMFCE: Insurance producers and adjusters can earn insurance continuing education credit listening to Robert's live webinars. No test required for credit! BMFCE.com.

In this episode the hosts dive into a $4.5M, 12‑bed Los Angeles drug and alcohol rehab facility deal with $4M revenue and $1M SDE, unpacking utilization trends, regulatory risks (MSO/CPOM), and why it might not be a compelling acquisition as‑is.Business Listing – https://www.bizbuysell.com/business-opportunity/drug-and-alcohol-rehabilitation-facilities/2447669/Welcome to Acquisitions Anonymous – the #1 podcast for small business M&A. Every week, we break down businesses for sale and talk about buying, operating, and growing them.

On this episode of The Federalist Radio Hour, Brian Blase, president of Paragon Health Institute and former special assistant to the president for economic policy at the White House, joins Federalist Senior Elections Correspondent Matt Kittle to discuss Obamacare's consequences for American healthcare, explain how ongoing subsidies fuel inflation, and outline the future of healthcare policy reform. The Federalist Foundation is a nonprofit, and we depend entirely on our listeners and readers — not corporations. If you value fearless, independent journalism, please consider a tax-deductible gift today at TheFederalist.com/donate. Your support keeps us going.

Is your 401(k) really a "benefit"… or did you just get dropped into the government's boiling pot without noticing?

Colorado, like the rest of the country, is experiencing more, and worse, climate disasters, wrecking havoc on people's homes — and their homeowner's insurance rates. In the wake of devastating hail storms and massive wildfires, Coloradans face rising premiums, less choice and availability, and in some cases, getting dropped by insurers altogether. The state is now one of the top ten most expensive in the country for homeowners insurance. And escalating the issue is climate change. CPR's Bente Birkeland and Rocky Mountain PBS' Andrea Kramar look at what's happening with the home insurance market in Colorado, and what state lawmakers are trying to do to make sure that, when the flames approach or the hail falls, Coloradans don't lose everything.Plus stay tuned for a full-length documentary on this reporting. “Undercovered” airs on Rocky Mountain PBS Thursday, Jan. 15 at 7 p.m. MST, and will be available to stream on the free RMPBS+ app and Youtube.Purplish is produced by listener-supported CPR News and the Capitol News Alliance, a collaboration between KUNC News, Colorado Public Radio, Rocky Mountain PBS, and The Colorado Sun, and shared with Rocky Mountain Community Radio and other news organizations across the state. Funding for the Alliance is provided in part by the Corporation for Public Broadcasting.Purplish's producer is Stephanie Wolf. Sound designed and engineered by Shane Rumsey. Theme music is by Brad Turner. CPR's executive producer of podcasts is Megan Verlee.

Hans and Brian challenge the conventional wisdom around qualified retirement plans and expose the misaligned incentives baked into the 401(k) system.Most people defend their 401(k)s and IRAs with passion—but they're carrying water for institutions whose goals directly conflict with their own. This episode breaks down the four things financial institutions want from your money, reveals the history of how employers shifted pension risk onto employees, and asks the critical question: whose incentives are you serving?The conventional model says lock your money away for 40 years, fund your own retirement, bear all the market risk, and hope you have enough at 65. The qualified plan gives you a 13-year window of control—you can't touch it penalty-free until 59.5, and RMDs force withdrawals starting at 73. That means if you live to 76, you only controlled your money 25% of your life. Meanwhile, the average person retiring today has $537,000 saved but needs $1.5 million. The system is failing, yet people aggressively defend it.Chapters:00:00 - Opening segment 03:40 - Revisiting fundamentals 04:25 - What do financial institutions want from you? 05:25 - The four goals: get your money, hold it systematically, keep it long, give back little 06:40 - We just described a qualified plan 07:50 - The 13-year window: locked until 59.5, forced RMDs at 73 08:45 - Tax benefits: the one real advantage of a Roth 10:00 - Why we're assuming Roth for this discussion 11:30 - The gray area in Roth tax code and the $42 trillion sitting in qualified plans 12:35 - Only controlling your money 25% of your life 13:20 - Teaching kids to be good stewards vs. locking their money away 14:30 - RMD penalties: 25% minimum, up to 50% in some scenarios 16:00 - TSP RMD mechanics: you can't choose which funds to liquidate 17:00 - Taking the employer match and using whole life as a volatility buffer 18:20 - Spending down qualified plans first, not leaving them to heirs 18:50 - The pension system: employers provided capital and bore market risk 21:20 - The shift: now employees fund their own retirement and bear all risk 23:10 - Stockholm Syndrome: aggressively defending the institutions that benefit 24:00 - Median household income $84K, needs $1.5M, average savings $537K 27:40 - Why the average is skewed by millionaires (statistical reality check) 29:25 - Comparing contractual guarantees to projections and prospectuses 31:00 - Strip away the labels: whole life is just an asset, just like mutual funds 32:20 - We want you to understand WHY you believe what you believe 33:35 - The rate of return objection and Nelson's tailwind example 36:15 - Whose incentives align with yours? Insurance companies vs. 401(k) managers 38:05 - Underwriting proves alignment: they want you healthy and financially stable 39:30 - Our mission: cut banks out, create tax-free estates, control your capital 41:15 - Closing thoughtsVisit https://remnantfinance.com for more informationFOLLOW REMNANT FINANCEYoutube: @RemnantFinance (https://www.youtube.com/@RemnantFinance )Facebook: @remnantfinance (https://www.facebook.com/profile.php?id=61560694316588 )Twitter: @remnantfinance (https://x.com/remnantfinance )TikTok: @RemnantFinanceDon't forget to hit LIKE and SUBSCRIBEGot Questions? Reach out to us at info@remnantfinance.com or book a call at https://remnantfinance.com/calendar !

In this episode, you'll learn how a single Ritz-Carlton philosophy can transform the way financial advisors build trust, deepen loyalty, and create unforgettable client experiences. You'll hear real examples of small but meaningful moments that turn mistakes into connection, empower your team, and elevate your brand far beyond portfolios and planning tools.You'll also discover how giving your team simple freedom, creativity, and a small monthly “surprise & delight budget” can turn everyday interactions into lasting loyalty, referrals, and genuine client love. From laptops delivered across town to coffee sent with a smile, this episode reminds us that great client experience isn't about perfection — it's about how you make people feel ✨.I hope you enjoy this new format and I look forward to delivering super fast tips & tricks with you! You can also watch this Efficient Friday as a video on The Efficient Advisor's YouTube Channel!Learn more about the Group Coaching & Mastermind HERE! Check out The First 100 Days Course: The Advisor's Blueprint for a Remarkable Client Experience HERE!Learn more about Asset-Map financial planning software HERE! Learn more about our sponsor Beemo Automation HERE! Check out the Efficient Advisor YouTube Channel HERE!Connect with Libby on LinkedIn HERE!Successful businesses don't get built alone. You need community! You need collaboration! Join us in The Efficient Advisor Community on Facebook.

In this episode of the InsuranceAUM.com Podcast, host Stewart Foley, CFA, is joined by Cindy Beaulieu, Chief Investment Officer of Conning North America, and Matt Reilly, Managing Director and Head of Insurance Solutions at Conning. Together, they explore the complex economic, policy, and portfolio construction themes shaping insurance investment strategies heading into 2026. With volatility receding and consumption staying strong, Conning sees cautious optimism grounded in fundamental, long-term portfolio planning.   The discussion covers key topics including the rising complexity of insurance portfolios, the expanding role of private assets, and the importance of core fixed income as a risk ballast. Cindy and Matt offer insight into how insurers are balancing liquidity needs, capital requirements, and regulatory scrutiny while adapting to a structurally different rate and policy environment. With real-world examples and a thoughtful look at long-term strategy, this episode provides valuable perspective for insurance investors navigating today's market challenges.

Learn how to sponsor the Seven Figure Medicare Agent Summit:https://sevenfiguremedicareagentsummit.com/On this episode of the Seven Figures or Bust Pod, we break down CMS's response to multiple state Departments of Insurance and what this means for agents going forward. We also dive into the recent wave of ACA subsidy rejections and why so many consumers are being caught off guard. This is a must-listen if you want to stay ahead of the regulatory changes shaping our industry.

12/12/25: Joel is broadcasting from Bismarck, ND at the North Dakota Farmers Union State Convention, and is joined by Lance Boyer. Lance is the Sales Director of Financial Products for Farmers Union Insurance, and has helped Farmers Union raise awareness about the impact on health insurance premiums if Affordable Care Act tax credits aren’t extended. (Joel Heitkamp is a talk show host on the Mighty 790 KFGO in Fargo-Moorhead. His award-winning program, “News & Views,” can be heard weekdays from 8 – 11 a.m. Follow Joel on X/Twitter @JoelKFGO.)See omnystudio.com/listener for privacy information.

Hey Diabuddy thank you for listening to show, send me some positive vibes with your favorite part of this episode.In today's episode, I sit down with Ashley Sparks, who was diagnosed with T1D at just 14 years old—during the first days of her freshman year of high school. What should have been a straightforward diagnosis quickly turned into a traumatic experience when doctors dismissed her symptoms and wrongly accused her of being pregnant instead of running basic diagnostic tests.Ashley shares her powerful journey from misdiagnosis and dismissal to becoming a confident self-advocate in her diabetes care. She opens up about navigating high school as the only student with T1D, being denied basic accommodations, and learning—often the hard way—how to speak up for herself in medical settings.

Angela Yeo and Mahesh Mistry, AM Best, said requirements forcing reinsurance in local markets are spreading from emerging to developed economies. Both spoke with AM Best TV at AM Best's Europe Insurance Market & Methodology Briefings – London.

In Part 2 of Ship Recycling Insurance Explained, Jamie Dalzell and Paulina, Head of Insurance at GMS, examine how insurance helps manage market volatility, political risk, and compliance pressures in global ship recycling. Many recycling destinations face currency restrictions, regulatory challenges, and shifting geopolitical conditions, and this episode explains how structured insurance programs provide stability and protection throughout the final voyage. Paulina outlines how GMS works with global reinsurers, A rated insurance markets, and experienced local correspondents to secure reliable coverage, even in complex jurisdictions. She also discusses how tailored policy wording addresses sanctions, convertibility and enforceability concerns, and the wider risk environment surrounding ship recycling. The episode highlights the growing influence of ESG standards and how insurance supports verification of safe manning, pollution safeguards, and green recycling requirements. Topics include: • Structuring insurance in markets with currency or political instability • Using strong reinsurance capacity to protect voyage and liability exposure • Managing sanctions, convertibility, and enforceability risk • Insurance as verification of ESG and responsible recycling standards • Coordination between insurance, trading, and operations teams • Monitoring routing, weather, warranties, COFR, SOR, and P and I entries • Emerging risks shaping the next phase of global ship recycling This episode shows how insurance helps GMS navigate uncertainty and maintain safe, compliant, and responsible recycling operations across multiple jurisdictions.

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

In today's jaw-dropping episode, Lee exposes what he calls the biggest open-secret scam in American health care — a massive Obamacare fraud network kept alive by Democrats, insurance companies, and loopholes so big you could drive a cargo ship through them.

Pool Pros text questions hereThis week, Steve flies solo again — but with good news: Wayne is on the mend and expected back very soon. Until then, Steve brings a full toolbox of stories, lessons, and a deep dive into one of the most-requested topics from pool pros: leak detection as a service.

0:00 - Sunday's Broncos vs Packers game will be a real test for the Broncos! What does Jeff Legwold think about the Mile High matchup?15:59 - Jamal Murray is off to a HOT start. The hottest he's had in ages. How did he get here? Is it sustainable? Earlier this week, Coach Adelman spoke highly of Murray's turnaround. 34:02 - More detail's about Utah's privatized NIL arrangement have emerged. Also, Arkansas Basketball is debuting a thing called Booster Insurance. Man, we're so far out of wack right now. 

Cutting commisions on drug plans.  Insurance companies no longer paying to sign people up.  Skin substitue spending is up.  Legal issues and reimbursement schemes.  Why Aetna focusing on provider experience.

Fewer companies offering drug plans.  Price increases coming in 2026, max $50/year.  2027: May not have any drug plans.  Government subsidies going away, Insurance companies may have to subsidize. Medicare Supplement Plan price increases.

Economic and social science research suggests climate risks are beginning to inform where people choose to live, raise families, and invest, foreshadowing the decline of a near 75-year trend of domestic migration to the Southern U.S. This is the focus of urban planner and trusted climate adaptation scholar Jesse M. Keenan's new book, North: The Future of Post-Climate America.  As the costs of environmental risks to homes, communities and livelihoods become insupportable in the most vulnerable areas of the country, many who are able will gravitate to regions where life can be relatively stable and secure.  North is a comprehensive assessment of trendlines and evidence that suggest how this migration will occur—and how leaders can ensure equity and continuity as American populations shift.  Drawing on his extensive background in climate adaptation research, Keenan offers strategies for locations that will be sending people and those that will receive them. He concludes North with a fictional description of what America could look like near the end of this century, when many climate impacts are expected to mature.   In this episode, Ten Across founder Duke Reiter and author Jesse Keenan discuss implications for the Ten Across geography, which is among the most climate-vulnerable regions in the country.  Relevant Articles and Resources  North: The Future of Post-Climate America  “Zillow deletes climate risk data from listings after complaints it harms sales” (The Guardian, December 2025)  “America's Home Insurance Affordability Crunch: See What's Happening Near You.” (The New York Times, November 2025)  “As millions face climate relocation, the nation's first attempt sparks warnings and regret” (Floodlight, September 2025)  “Snow Belt to Sun Belt Migration: End of an Era?” (Federal Reserve Bank of San Francisco, July 2024)  “Climate-proof Duluth? Why the city is attracting ‘climate migrants'” (MPR News, October 2021)“Want to Escape Global Warming? These Cities Promise Cool Relief” (The New York Times, April 2019)  “The Rise of the Sunbelt” (Edward L. Glaeser and Kristina Tobio, May 2007)  Relevant Ten Across Conversations Podcasts  How the 10X Region Can Plan for Climate Migration with Abrahm Lustgarten  CreditsHost: Duke ReiterProducer and editor: Taylor GriffithMusic by: Pearce Roswell, Out To The World, Johan GlössnerResearch and support provided by: Kate Carefoot, Rae Ulrich, and Sabine Butler  About our guestJesse M. Keenan is the Favrot II Associate Professor of Sustainable Real Estate and Urban Planning and Director of the Center on Climate Change and Urbanism at the School of Architecture and Built Environment at Tulane University. His research spans design, engineering, finance, and policy, with service to U.S. government agencies, international organizations, and major corporations. Widely published and cited, Jesse's work has shaped climate policy, financial regulation, and concepts like climate gentrification. He is the author of North: The Future of Post-Climate America, which is available in bookstores on December 17.

This week, Meghan and Jen welcome Kristen O Reilly, a personal manager for "prime private client high net worth" for One Digital Insurance, which is an insurance broker. 

In this important discussion, we focus on "long term care awareness", especially relevant during Long-Term Care Awareness Month. We examine the critical aspects of "long term care" and effective "financial planning" strategies that align with a minimalist approach to "personal finance". Learn practical insights on "how to save money", drawing from a thoughtful, careful spending philosophy.PS. Asset-based long-term care combines care coverage with savings or life insurance, so you don't risk wasting premiums if you never need care.Do You Have Questions? Scheduele a FREE 15-minute call: https://calendly.com/charlesdzama/complimentary-15-minute-phone-call-youtubeOr text your Name, Last Name, & Email to (949) 359-5100 so our team can help you schedule a FREE 15-minute callNewsletter: https://cdfinancial.com/newsletterSocials:Instagram: https://instagram.com/cdfinancial.llc/Facebook: https://facebook.com/cdfinancialLinkedIn: https://linkedin.com/company/cd-financial

Carrier insurance is a necessity in the supply chain, but with the rise of nuclear verdicts and cargo theft, the costs and trends are bucking the norm. CEO and Founder of Mesh VI, Andy Sharpe, joins FreightWaves' Mary O'Connell to break down changes in the insurance market and how to best adapt to the changes. Keep up with Live FreightWaves Events Other FreightWaves Shows Learn more about your ad choices. Visit megaphone.fm/adchoices

Craig Martin, managing director and global head of wealth & lending intelligence, J.D. Power, explains new findings on consumer hopes and concerns surrounding insurers' growing use of artificial intelligence.

When disaster strikes - whether it's a fire, flood, or even a bat infestation - families are often left scrambling for safe, comfortable housing. That's where Jake Mast steps in. In this episode, Heather Bayer sits down with Jake, founder of Rapid Response AI Housing, to explore how his company is disrupting the traditional insurance housing model by combining speed, accuracy, and human-centered AI solutions. Jake shares his unconventional journey - from CPA to Hollywood actor to vacation rental host - and how that ultimately led him to carve out a niche in insurance relocation housing. With a growing network of 6,000+ landlords and boots-on-the-ground resources across North America, Jake's mission is clear: place displaced families quickly and responsibly into homes that reflect the life they've had to leave behind. ________________________________________________________________________________________________________

In this continued Part 3 conversation, Cooper Lee & Kennedy Rizzo delve deeper into the world of nostalgia, focusing on notable iconic mascots from commercials and their impact on childhood memories. They explore various mascots from insurance companies, pizza brands, and toy stores, discussing how these characters shaped their experiences and the evolution of advertising. The duo reflects on the effectiveness of jingles and branding, as well as the future of mascots in a digital age. Ready to reminisce? See ya there! What famous throwback mascot will you remember baked into this Part 3 discussion?-Insurance mascots (Gecko, Flo, Mayhem) -Famous 80s Pizza's The Noid & Roman guy for LC - Children's Palace Panda

Dr. MaryAnn Wilbur trained her whole life to care for patients, then left medicine behind when it became a machine that punished empathy and rewarded throughput. She didn't burn out. She got out. A gynecologic oncologist, public health researcher, and no-bullshit single mom, MaryAnn walked straight off the cliff her career breadcrumbed her to—and lived to write the book.In this episode, we talk about what happens when doctors are forced to choose between their ethics and their employment, why medicine now operates like a low-resource war zone, and how the system breaks the very people it claims to elevate. We cover moral injury, medical gaslighting, and why she refused to lie on surgical charts just to boost hospital revenue.Her escape plan? Tell the truth, organize the exodus, and build something that actually works. If you've ever wondered why your doctor disappeared, this is your answer. If you're a clinician hiding your own suffering, this is your permission slip.RELATED LINKSMaryAnn Wilbur on LinkedInMedicine ForwardClinician Burnout FoundationThe Doctor Is No Longer In (Book)Suck It Up, Buttercup (Documentary)FEEDBACKLike 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.