Podcasts about insured

Most lawn care and landscape companies don't have a marketing budget problem. They have a messaging problem. If your advertisement simply says, "Licensed, Insured, Free Estimates," congratulations, you just created a business card. But you didn't give a homeowner a reason to care. In this episode of Profits with Pajak, John breaks down why the green industry struggles with marketing, how to create ads that actually capture attention, and why the answer to "Should I use Facebook, Google, postcards, or yard signs?" might just be… yes. Learn how to write better copy, connect with customer emotions, and create a marketing strategy that keeps your company top of mind.   Episode Links: Apple Podcast Listeners- Copy and paste the links below into your browser. Upcoming Events: Profit Accelerator LIVE (June 26–27, 2026, Richmond, VA):An intensive experience designed to help lawn and landscape business owners dial in their numbers, increase profitability, and build a scalable business with clear strategy and execution. Sign up and learn more: https://Profitacceleratorlive.com   Lawn & Landscape Technology Conference (July 22–24, Scottsdale, AZ) :A hands-on event focused on AI, software, and systems to help you run a more efficient and profitable green industry business. Sign up and learn more: https://www.lltechconference.com/ Equip Expo (October 20–23, 2026, Louisville, KY): The largest trade show in the green industry, bringing together contractors, equipment manufacturers, and business leaders for four days of equipment demos, networking, and real-world strategies to help you grow and scale your business. Tickets are just $12.50 with promo code PAJAK through May 30, then prices go up. Lock in your ticket now and take advantage of the discount. Sign up and learn more:  https://plus.mcievents.com/EquipExpo2026?RefId=PAJAK Show Partners: Yardbook Simplify your business and be more profitable. Please visit www.Yardbook.com  Get 30 days of Premium Business level of Yardbook for FREE with promo code PAJAK   Mr. Producer Click the link to connect with Thee Best Podcast Producer in the biz! https://www.instagram.com/mrproducerusa/   Relay Relay is small business banking that puts you in complete control of what you are earning, spending, and saving. Click here to sign up for Relay and get $50.00 cash bonus!http://join.relayfi.com/promo/get-50-ulumkswykjzwi4dqsm?referralcode=profitswithpajak&utm_source=influencer&utm_medium=podcast 

In this episode, financial advisor Alyssa McNamara Reed speaks with reverse mortgage specialist David Tourtillott about the modern role of federally regulated Home Equity Conversion Mortgages. David Tourtillott explains how today's reverse mortgages differ from the poorly regulated and often misunderstood products of the past. Insured by the FHA, these loans include safeguards designed to protect homeowners and their heirs. For seniors age 62 and older, a reverse mortgage can provide access to home equity without monthly mortgage payments, creating tax-free cash flow or a growing line of credit for future needs such as long-term care. The conversation also addresses common misconceptions, including concerns about ownership, inheritance, and repayment. Tourtillott, explains that reverse mortgages are non-recourse loans, meaning heirs are not responsible for debt beyond the value of the home. Ultimately, the episode presents the reverse mortgage as a strategic retirement planning tool, one that may help retirees preserve investment assets, manage cash flow, and create greater financial flexibility in later life. Alyssa McNamara Reed, CFP® is a financial planner with a passion for the intersection of taxes and investing.  Alyssa works with motivated savers, beneficiaries of estates, business owners, divorcees, and pre-retirees.

The Myth of the Long-Term Fixed Mortgage   The Myth of the “Long-Term Fixed Mortgage” in Canada Many Canadians believe a mortgage means locking into the same fixed rate for 20–30 years. But the Canadian mortgage system works differently — and it gives you more control. Canada offers flexible mortgage options, allowing you to choose a structure that fits your financial goals. The most common option? ✅ 5-year fixed mortgage rate — reliable, predictable, and great for long-term budgeting. But you can customize your mortgage with options like:

Not surprisingly healthcare affordability has risen to the top or #1 mid-term election campaign issue. Largely due to pricing failure, that costs Americans about $250 billion annually, pricing power is the consequence of an increasingly concentrated healthcare market. Think: Herfindahl-Hirschman Index scores. Hospital pricing/prices are particularly noteworthy or moreover surgical procedures and patented drugs that have risen at multiples of the annual inflation. This means those insured pay increasingly higher coverage (premiums, deductibles, copays) and are forced into medical debt or bankruptcy, forced to avoid necessary care and/or make financial trade offs. Insurance plans, here we're discussing self-insured employee plans, that capture roughly 65% of covered workers, face similarly challenging math. For example, recently reported news found the five largest managed care plans lost $226 billion in market value over the previous 12 months. As for solutions, federal price transparency laws, though well intended, have either gone un-headed and/or lack enforcement. Mr. Robert Andrews is the CEO of the Health Transformation Alliance (HTA), a cooperative of approximately 80 large self-insured employer health plans. HTA was founded in 2016 by four pioneering employers from American Express, Macy's, Verizon and Caterpillar. HTA member companies are collectively responsible for more than 5 US million lives and 8 million globally spending $450 billion annually in the US market. Mr. Andrews served NJ's 1st congressional district in the US House of Representatives from 1990 to 2014.Information on the Health Transformation Alliance is at: https://www.htahealth.com/about-us/. This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit www.thehealthcarepolicypodcast.com

Bon Jovi sellout or just sold out for those State Farm commercials? Aww vs Ewwww. Nirvana cashes in with "Smells Like Teen Spirit" air. Jeff Bezos has a $500 million yacht so what insane extras are actually on it? A Florida man tries to rob a Publix with a stapler. You find a wallet stuffed with cash, what do you do? And how lonely do you have to be to fake a lost dog just to make friends? All this and the usual madness on the Newberg Pod. Watch like and follow @Newbergpod for more smart smelling stuff. https://youtu.be/WI5m8SMjRyo 

"I would rather take this risk because I will never give another dime to a fully-insured carrier as long as I live."In an era of double-digit medical trend and skyrocketing fully-insured renewals, is the traditional insurance broker obsolete?This week, my guest is John Kountz, a benefits consultant at Frost Insurance who believes that the days of the "renewal carousel" - shopping the big 4 carriers and accepting double-digit increases every year - are finally over. In this episode, John shares his journey from feeling completely helpless as a broker to discovering the power of true consulting.We discuss the critical differences between a "broker" and a "consultant," how he uncovered that an employer was secretly paying 45% of their entire $10 million pharmacy spend in rebates, and how taking a fully-insured client directly to Reference-Based Pricing (RBP) cut their $1,000/month employee-only premium completely in half. John also breaks down the emerging power of pharmacogenomics, why 2026 is poised to be an even more brutal renewal year, and why you must replace your traditional broker with a true consultant.If you are an employer tired of throwing away money on fully-insured premiums, or a broker wanting to make the jump to self-funding, this conversation is the push you need.Thank you to our 2026 sponsors!ParetoHealth: ParetoHealth empowers midsize employers with a long-term solution to reduce volatility and lower overall health benefits costs. Visit https://www.paretohealth.com/fully-insured-vs-self-funding-with-paretohealth-spencer-podcast/?utm_source=youtube&utm_medium=referral&utm_campaign=SelfFundedwSpencer to learn more.Samaritan Fund: A program that connects those who need help to the support they need. We are proud to offer the Samaritan Fund Program. Visit SamaritanFundProgram.com to learn more.Vālenz Health: We're Vālenz Health, your partner in improving health literacy, reducing plan spend, and delivering high-value healthcare. Visit ValenzHealth.com to learn more.Imagine360: Imagine360 helps self-funded employers save on healthcare with smarter health plans. Cut expenses by 20-30% with custom solutions. Contact us today at Imagine360.com.Chapters:(00:00:00) Intro: Why the Benefits Consultant is Healthcare's Most Important Role (00:04:03) Staying Independent in an Era of Broker Consolidation (00:11:51) Getting Out of the "Renewal Carousel" (00:18:18) The Turning Point: Discovering 45% of Rx Spend Was Going to Rebates (00:20:41) Converting a Fully-Insured Group to Reference-Based Pricing (RBP) (00:30:11) The Real Definition of Self-Funding (The Chassis vs. The Car) (00:36:05) Finding the Root Cause: Diet, Inflammation & Autoimmune Disease (00:46:04) The Future of Prescribing: Pharmacogenomics (00:57:20) Why the 2026 Renewal Season Will Be a "Bloodbath" (01:02:00) Closing Thoughts: Stop Working With Traditional BrokersKey Links for Social:@SelfFunded on YouTube for video versions of the podcast and much more - https://www.youtube.com/@SelfFundedListen/watch on Spotify - https://open.spotify.com/show/1TjmrMrkIj0qSmlwAIevKA?si=068a389925474f02Listen on Apple Podcasts - https://podcasts.apple.com/us/podcast/self-funded-with-spencer/id1566182286Follow Spencer on LinkedIn - https://www.linkedin.com/in/spencer-smith-self-funded/Follow Spencer on Instagram - https://www.instagram.com/selffundedwithspencer/

"I would rather take this risk because I will never give another dime to a fully-insured carrier as long as I live."In an era of double-digit medical trend and skyrocketing fully-insured renewals, is the traditional insurance broker obsolete?This week, my guest is John Kountz, a benefits consultant at Frost Insurance who believes that the days of the "renewal carousel" - shopping the big 4 carriers and accepting double-digit increases every year - are finally over. In this episode, John shares his journey from feeling completely helpless as a broker to discovering the power of true consulting.We discuss the critical differences between a "broker" and a "consultant," how he uncovered that an employer was secretly paying 45% of their entire $10 million pharmacy spend in rebates, and how taking a fully-insured client directly to Reference-Based Pricing (RBP) cut their $1,000/month employee-only premium completely in half. John also breaks down the emerging power of pharmacogenomics, why 2026 is poised to be an even more brutal renewal year, and why you must replace your traditional broker with a true consultant.If you are an employer tired of throwing away money on fully-insured premiums, or a broker wanting to make the jump to self-funding, this conversation is the push you need.Thank you to our 2026 sponsors!ParetoHealth: ParetoHealth empowers midsize employers with a long-term solution to reduce volatility and lower overall health benefits costs. Visit https://www.paretohealth.com/fully-insured-vs-self-funding-with-paretohealth-spencer-podcast/?utm_source=youtube&utm_medium=referral&utm_campaign=SelfFundedwSpencer to learn more.Samaritan Fund: A program that connects those who need help to the support they need. We are proud to offer the Samaritan Fund Program. Visit SamaritanFundProgram.com to learn more.Vālenz Health: We're Vālenz Health, your partner in improving health literacy, reducing plan spend, and delivering high-value healthcare. Visit ValenzHealth.com to learn more.Imagine360: Imagine360 helps self-funded employers save on healthcare with smarter health plans. Cut expenses by 20-30% with custom solutions. Contact us today at Imagine360.com.Chapters:(00:00:00) Intro: Why the Benefits Consultant is Healthcare's Most Important Role (00:04:03) Staying Independent in an Era of Broker Consolidation (00:11:51) Getting Out of the "Renewal Carousel" (00:18:18) The Turning Point: Discovering 45% of Rx Spend Was Going to Rebates (00:20:41) Converting a Fully-Insured Group to Reference-Based Pricing (RBP) (00:30:11) The Real Definition of Self-Funding (The Chassis vs. The Car) (00:36:05) Finding the Root Cause: Diet, Inflammation & Autoimmune Disease (00:46:04) The Future of Prescribing: Pharmacogenomics (00:57:20) Why the 2026 Renewal Season Will Be a "Bloodbath" (01:02:00) Closing Thoughts: Stop Working With Traditional BrokersKey Links for Social:@SelfFunded on YouTube for video versions of the podcast and much more - https://www.youtube.com/@SelfFundedListen/watch on Spotify - https://open.spotify.com/show/1TjmrMrkIj0qSmlwAIevKA?si=068a389925474f02Listen on Apple Podcasts - https://podcasts.apple.com/us/podcast/self-funded-with-spencer/id1566182286Follow Spencer on LinkedIn - https://www.linkedin.com/in/spencer-smith-self-funded/Follow Spencer on Instagram - https://www.instagram.com/selffundedwithspencer/

Shareholder Advocacy in 2026: A Season Defined by Upheaval and Resilience *A deeper look at the key themes and proposals in the Proxy Preview 2026 report by As You Sow and Proxy Impact* The 2026 proxy season is arriving amid one of the most turbulent regulatory environments shareholder advocates have faced in decades. Actions by the Securities and Exchange Commission (SEC) under Chair Paul Atkins have introduced a series of new barriers to shareholder participation — limiting who can file resolutions, restricting exempt solicitations on EDGAR, and signaling a broader retreat from the corporate disclosure requirements that have defined the modern era of investor oversight. Filing thresholds have been quietly tightened. The procedural goalposts have moved. And the agency that once served as a neutral referee on what does and does not belong on a proxy ballot has, in practice, stepped off the field. And yet, shareholders are not retreating. As Proxy Preview publisher Andrew Behar puts it, they are “standing shoulder to shoulder” — the early warning system that corporations have long relied on, whether they admit it or not. The proposals filed this year are, if anything, more ambitious than in seasons past. Investors are not waiting to see how the regulatory landscape settles. They are filing, litigating, and engaging on the assumption that the right to ask questions about material risk is theirs to exercise regardless of who chairs the SEC. This year’s Proxy Preview, produced by As You Sow and Proxy Impact, offers a sweeping look at the environmental, social, and governance (ESG) proposals headed to shareholder votes in 2026. The themes range from the data center buildout reshaping America’s electricity grid, to the legal liabilities mounting against Big Tech, to the quiet but consequential question of who gets to decide what counts as “proper business” at an annual meeting. Here’s what investors need to know. The Political and Legal Backdrop The story of the 2026 season cannot be told without first addressing what happened to the SEC’s no-action process. Historically, when a company wanted to exclude a shareholder proposal from its proxy statement, it would file a no-action request with the SEC, which would review the proposal on its merits and issue guidance. That process — imperfect but functional — was effectively suspended this year, triggered in part by a prolonged government shutdown that left the agency without the bandwidth to render decisions. The result was a free-for-all. Companies, sensing an opening, filed notices of intent to exclude proposals on a range of novel theories. The most aggressive of these was the so-called “Delaware Proper Business” argument, which holds that advisory shareholder proposals — the non-binding resolutions that have been the backbone of shareholder advocacy for decades — are not “proper business” for an annual meeting under Delaware corporate law. If accepted, that theory would effectively wipe out the entire category. Shareholders pushed back, hard. Lawsuits were filed against AT&T, Axon, Chubb, BJ’s Wholesale, and PepsiCo. AT&T and Pepsi settled quickly, restoring the proposals to their proxies. At Axon, a federal court ordered the parties to explore a negotiated resolution rather than rule on the merits — a signal that judges are skeptical of the broad exclusion theories companies have been advancing. The Chubb and BJ’s cases remain in active litigation as of this writing. Meanwhile, in a parallel front, a federal court struck down Texas Senate Bill 13 — the state’s anti-ESG law that restricted public pension funds from doing business with financial firms deemed to “boycott” fossil fuel companies — as unconstitutionally overbroad and vague. It is the first federal court decision to invalidate this type of statute, and it sets up a potential precedent that could unwind similar laws in roughly a dozen other states. The pattern, taken together, is clear. Where companies and state legislatures have tried to use procedural and legal tools to silence shareholder voice, the courts have so far been unwilling to go along. Climate: Data Centers, Stranded Assets, and Insurance If there is one new climate story dominating the 2026 season, it is the AI buildout. The numbers are striking. In 2025, the number of proposed fossil gas plants in the U.S. nearly tripled, driven almost entirely by soaring electricity demand from new data centers. Utilities that had been quietly retiring coal and gas capacity are now reversing course, citing grid commitments to hyperscale tech customers as the rationale. Investors are responding. Proposals at Amazon, Meta, and Alphabet request disclosure on how the companies’ growing data center operations are compatible with their previously announced climate commitments — many of which include net-zero pledges that look increasingly difficult to reconcile with multi-gigawatt computing expansion. Similar proposals target the utility side of the equation, including Dominion Energy and Southern Company, both of which are major suppliers to data center hubs in Virginia and Georgia. At the same time, the U.S. is in the middle of a climate-driven insurance crisis that is starting to attract serious investor attention. Insured natural-catastrophe losses reached $117 billion in 2024 — more than double the ten-year average. Homeowners insurance premiums rose 24% between 2021 and 2024, and entire ZIP codes in California, Florida, and Louisiana have effectively become uninsurable on the private market. As You Sow has filed a novel “subrogation” proposal at Chubb, asking the insurer to explore using subrogation claims against large emitters to offset climate-related losses. The legal theory borrows from the playbook used against tobacco and opioid manufacturers: if you can identify the parties whose conduct caused the harm, you can pursue them for the cost of paying out claims. Climate transition planning remains a critical investor concern more broadly. Proposals at Harley-Davidson and Verizon push these companies — both of which have ambitious net-zero commitments but published no sustainability reports in 2025 — to develop credible, stand-alone transition plans. The implicit argument is that a target without a plan is not a commitment; it is a press release. Biodiversity: Horseshoe Crabs and Avocado Supply Chains Two of the most distinctive proposals this season concern biodiversity, and both illustrate how shareholder advocacy can move industries that regulators have not. The pharmaceutical industry’s dependence on horseshoe crab blood for drug safety testing is under fresh scrutiny. The compound extracted from the crabs — limulus amebocyte lysate, or LAL — is used to detect bacterial endotoxins in injectable drugs and implantable medical devices. Each year, roughly 1.1 million horseshoe crabs are harvested and bled, with the industry historically claiming low post-bleeding mortality. Independent research suggests the actual mortality rate is closer to 30%, with knock-on effects for shorebirds and other species that depend on horseshoe crab eggs as a food source. Synthetic alternatives — recombinant Factor C, or rFC — have been commercially available since 2003 and are used routinely by Eli Lilly and others. The U.S. Pharmacopeia, the standards body that governs pharmaceutical testing in the U.S., updated its standards in November 2024 to place rFC on equal regulatory footing with the animal-derived test. That removes the last meaningful technical barrier to transition. Proposals at Abbott and Merck request disclosure about transition timelines. The avocado story is, in some ways, a more hopeful one — a case study in what sustained shareholder engagement can accomplish over time. Mexican avocado production has long been linked to illegal deforestation, with growers clearing protected forest in Michoacán to plant new orchards. As You Sow’s decade-long push for Pro Forest Avocado (PFA) certification — a satellite-based system that monitors orchards in real time for evidence of land-use change — has transformed the supply chain. As of March 2026, over 60 Mexican avocado packers are PFA-certified, and major U.S. retailers including Costco, Walmart, and Kroger have committed to sourcing from certified suppliers. The notable holdout is Albertsons, which has not responded to repeated engagement requests and is the focus of a 2026 proposal. Social: Human Rights, Surveillance, and Child Safety Big Tech is facing what Michael Passoff of Proxy Impact calls its “Big Tobacco moment” — the period when accumulating evidence of harm crosses the threshold from controversial to legally actionable, and the financial consequences begin to compound. The numbers from the past twelve months are difficult to dismiss. In March 2026, Meta was found guilty of violating New Mexico’s consumer protection law and penalized $375 million for its handling of minors on Instagram. Separately, a California court found Meta and Google guilty of creating addictive platform designs that harm young users’ mental health, in a verdict that is likely to be the template for similar cases in other states. Meta’s stock dropped 8% following the verdicts, suggesting the market is finally beginning to price in legal risk that shareholders have been flagging for years. On surveillance, investors at Alphabet/Google and Home Depot are pressing for oversight of customer and user data. The specific concerns are concrete. Home Depot cameras installed in parking lots have, according to public reporting, enabled ICE raids targeting day laborers. Google was hit with a $425.7 million verdict for tracking 98 million users after they had explicitly turned location tracking off. In both cases, the proposals ask not for the companies to change their business models, but for the boards to take responsibility for the data practices their products create. New this year, and likely to attract significant attention: a proposal at Palantir asking the company to conduct a Human Rights Impact Assessment related to its products and services. The proposal follows reports that Palantir’s software is being used by ICE to track and target migrants, including in operations that have separated families and detained individuals without prior criminal records. Palantir has historically resisted human rights disclosure on the grounds that its government contracts are confidential; the proposal tests whether shareholders can compel disclosure of the broader policy framework even when specific contract terms remain under seal. Political Spending and Lobbying Corporate political spending is under heightened scrutiny as the 2026 midterm elections approach. The Center for Political Accountability (CPA), which has been the leading shareholder voice on this issue for two decades, filed disclosure proposals at 29 companies this proxy season. The proposals ask for disclosure of corporate political contributions, including those made to trade associations and other intermediaries that often serve as a workaround for direct disclosure requirements. What is striking is the response. Despite the SEC’s effective invitation to exclude most shareholder proposals this year, only 7 of the 29 companies chose to do so. The other 22 let the proposals proceed to a vote — a tacit acknowledgment that the political risk of being seen to suppress shareholder voice on political spending now outweighs the cost of disclosure. The CPA proposal averaged 41.4% support over 13 votes in 2025, including five majority votes, putting it well above the threshold at which boards typically engage seriously with proponents. The lobbying disclosure campaign also continues, though with a revised proposal structure following a 2025 setback when the SEC sided with Air Products and Chemicals on a technical exclusion argument. The new, streamlined proposal — focused on direct federal and state lobbying amounts and third-party recipients — is being filed at 7 companies including Goldman Sachs, J.P. Morgan Chase, and Morgan Stanley. The narrower scope is designed to be procedurally bulletproof, leaving the substantive question — should a public company tell its owners how much it spends to influence legislation — on the table for shareholders to answer. Governance: Board Accountability and Executive Pay Several governance proposals this season cut to the question of what boards are actually responsible for. Shareholders are requesting that boards provide specific oversight of AI development, climate change, Indigenous peoples’ rights, and data protection — areas where the gap between executive decision-making and board supervision has become particularly wide. A notable Vote No campaign: NYC Pension Funds, the third-largest public pension system in the country, urged Starbucks shareholders to vote against the re-election of two directors, citing over 700 unfair labor practice charges, 60 adverse administrative law decisions, and the quiet disbanding of a labor relations oversight committee that had been formed in response to earlier shareholder pressure. The campaign is significant not only for its scale but for the specificity of its case: this is not a general grievance about management, but a documented record of regulatory findings the directors are charged with overseeing. A new executive compensation proposal at Meta links CEO and executive bonuses to improvements in child safety metrics — a direct response to the company’s mounting legal liability over platform harms to minors. The proposal is structurally interesting because it does not ask the company to take any specific action; it asks only that the compensation committee tie pay to outcomes the company itself has acknowledged as material. If child safety is, as Meta has repeatedly stated in public, a top priority, then linking executive pay to it should be uncontroversial. The vote will reveal whether the board agrees. The Bottom Line The 2026 proxy season is, more than anything, a test of whether shareholders can maintain their voice in corporate governance amid a hostile regulatory environment. The evidence so far is encouraging. When companies have tried to unilaterally exclude proposals, they have largely faced legal challenges and backed down. When state legislatures have tried to penalize ESG-aligned investing, federal courts have intervened. When boards have tried to ignore mounting legal liability, the markets have begun to do the disciplining themselves. As shareholder advocate Nell Minow writes, the likely cost-benefit analysis from executives “who thought they could keep the proposals from going to a shareholder vote was not clear to them until they faced the very real possibility that a court ruling on the legitimacy of the challenged proposal would be a much bigger problem.” In other words: the bet that the SEC’s retreat would translate into a free hand for management has not paid off. The deterrents have simply moved from the regulator to the courts and the proxy ballot itself. Fundamental ownership rights — the right to ask questions about material risks — are not granted by regulators. They are inherent to ownership itself. The 2026 season is shaping up to be the year that principle gets tested, and so far, it is holding. — *Sources: Proxy Preview 2026, published by As You Sow and Proxy Impact. Full report available at [proxypreview.org](https://www.proxypreview.org/).*

This episode of Alliance Insights features Alliance faculty member and nationally recognized coverage expert, Cathy Trischan, covering Part I of Insuring Contractors: The Additional Insured Basics You Need to Know. Listen in as she unpacks why additional insured requirements remain one of the most complex—and misunderstood—areas of contractor risk. From the evolution of ISO endorsement forms to real-world court decisions that reshaped coverage intent, Cathy explains how language like “arising out of,” “ongoing operations,” and “completed operations” can dramatically change who is protected and when. The episode explores why requests for older endorsements persist, how primary and non contributory demands complicate placement, and what today's agents and risk professionals must understand to navigate contracts with confidence. This discussion lays the foundation for smarter coverage analysis—where knowing the history of additional insured endorsements is critical to managing today's risk. Focusing exclusively on risk management and insurance professional development, the Risk & Insurance Education Alliance provides a practical advantage at every career stage, positioning our participants and their clients for confidence and success.

Alliance faculty member and nationally recognized coverage expert Cathy Trischan returns with Part II of Insuring Contractors: The Additional Insured Basics You Need to Know. Building on the history covered in Part I, this discussion focuses on how today's ISO additional insured endorsements operate in real-world contracts. Cathy explains the intent and limitations of commonly used forms—such as CG 2010, CG 2033, and CG 2038—and why understanding their wording is critical to effective risk transfer. The episode highlights the impact of privity of contract and key court decisions that narrowed automatic additional insured coverage, creating uncertainty across jurisdictions. Cathy also breaks down the often-misunderstood divide between ongoing operations and completed operations coverage, explaining when separate endorsements are required and why completed ops remains a persistent challenge. Throughout the episode, she emphasizes the importance of scrutinizing carrier proprietary forms, identifying hidden restrictions, exclusions, and contract-based triggers that can undermine coverage. The takeaway is clear: navigating additional insured requirements today requires careful endorsement selection, contract awareness, and a practical understanding of how coverage language plays out after a loss. Focusing exclusively on risk management and insurance professional development, the Risk & Insurance Education Alliance provides a practical advantage at every career stage, positioning our participants and their clients for confidence and success.

Episode 508 is the first Ask Me Anything installment of Relentless Health Value, where Stacey Richter and Lee Lewis (Chief Strategy Officer and GM Medical Solutions at the Health Transformation Alliance and host of Broken Benefits) address a question from benefits procurement leader Sarah Monroe about why executives rarely take bold action on health benefits despite large opportunity.  Lewis describes three false C-suite "dogmas" that lead to "stay in the herd and keep it quiet": health benefits are a fixed expense, saving money hurts people (via cost shifting, low quality, or narrow networks), and fixing healthcare isn't worth the risk or disruption. They also discuss external deterrents including CEOs' proximity to health system leaders, "balance of trade" retaliation threats, vendor-provided personal incentives, and executives' limited empathy for deductibles/costs faced by lower-wage employees.  Lewis offers de-risking tactics (same-network TPAs, carrier-enabled vendor changes, narrow pilots, mid-year tests) and advises CEOs to encourage bold action, tie bonuses to plan performance, and staff benefits teams with diverse skills. === LINKS ===

Today on the podcast, I am clearing up one of the biggest myths in Canadian real estate: that every first time home buyer needs 20% down. I break down what the minimum down payment actually looks like in Ontario, how CMHC insurance works, and how to decide whether buying sooner or waiting aligns better with your homeownership and wealth building goals.In this episode, I cover:Minimum down payment rules in Canada: 5%, 10% and how it's calculatedWhat an insured mortgage is and how CMHC, Sagen and Canada Guaranty protect lendersThe true cost of mortgage insurance and how the premium is added to your loanInterest rate advantages of insured mortgages versus 20% downOntario closing costs, land transfer tax and why your down payment is not your only expenseIf you are a first time home buyer in Ontario trying to figure out how much you really need saved, this episode will help you make a confident, strategic decision. Tune into Homeowner AF and take the next step toward homeownership with clarity.Send your podcast questions to hello@briannagoslinmortgages.com and my socials below, or send me a voice note to be featured on the podcast! Resources Mentioned In This Episode:How much you need for a downpayment from the Government of Canada: https://www.canada.ca/en/financial-consumer-agency/services/mortgages/down-payment.html?  Canadian mortgage insurers: • Canada Guaranty: https://www.canadaguaranty.ca• Sagen: https://www.sagen.ca• CMHC: https://www.cmhc-schl.gc.ca Specific Questions?  Ready to get started?Book a free call with Brianna: www.Bricallme.comJoin my mailing list: https://briannagoslinmortgages.myflodesk.com/mortgagebitesWebsite: http://www.briannagoslinmortgages.comInstagram: https://www.instagram.com/briannagoslinmortgagesFacebook: https://www.facebook.com/brianna.goslin.mortgagesLinkedIn: https://www.linkedin.com/in/briannagoslinmortgages

A family wakes up to smoke filling their home. They escape safely. The fire department saves part of the structure. They file an insurance claim expecting help rebuilding.Then the surprise: only their personal belongings are covered. The house itself is denied.Why? The home had been transferred into a trust, but the trust was never added to the insurance policy. The insurer argues the named individual no longer has an insurable interest in the structure, leaving the family caught in a technical gap with massive financial consequences.This happens more often than people think. After the January 2025 Los Angeles wildfires, more than 37,000 claims were filed, and trust and insurance mismatches became one of the most common dispute triggers.The trust was set up correctly. The deed was transferred. One simple step was missed: updating the insurance policy.In this episode, Nathan and Brian break down:• How this coverage gap happens• Why transferring your home to a trust can create unintended risk• What insurance companies look for when evaluating claims• The simple fix that can prevent a catastrophic denial• What to check today if your home is in a trustIf your home is in a trust or you're considering one, this is a must-watch.

Even after life-saving surgery, a critical illness claim can be denied. What are you covered for and why? We explore how definitions influence payouts and highlight what consumers seeking "best" or "comprehensive" coverage need to know. With Elijah Lee of Phillip Securities, we unpack what every policyholder must understand about fine print, exclusions, and evolving medicine. From comparing insurers to what you can discuss today with your insurance advisor, we ask: are you truly protected—or just conditionally covered? Practical insights to help you avoid costly surprises - hosted by Michelle Martin.See omnystudio.com/listener for privacy information.

My track record is making 2026 look less like a year… and more like a script I've already read.But I digress. Remnants of my first segment. There was a time when people climbed Mount Everest to find themselves. Now it turns out, some folks are climbing Everest so someone else can find their insurance policy.Think about how far we've come as a civilization. You travel halfway across the world, train your body to survive oxygen levels that would make a houseplant nervous, you trust your life to a guide who has walked that mountain more times than you've walked to your refrigerator, and somewhere between Base Camp and enlightenment, he's sprinkling baking soda into your soup like he's seasoning a scam.Not poison. No, no. That would be crude. This is artisanal fraud. Gastrointestinal sabotage with a purpose. Just enough chaos in your stomach to convince your body it's dying, your brain it's altitude sickness, and your insurance company that it's time to fire up the helicopter like a rideshare for the distressed elite.And suddenly, your spiritual journey becomes a $19.69 million industry.According to reports, entire networks were allegedly involved. Guides, helicopter operators, hospital executives, all playing their part like a well-rehearsed orchestra of opportunism. Fake diagnoses. Forged documents. Emergency evacuations that were about as medically necessary as a celebrity apology tour.Now here's where it gets interesting. This isn't just fraud. Fraud is universal. What makes this story sparkle is who is getting played.Western climbers. Affluent. Insured. Trusting.Predictable.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Industry experts break down how misunderstood additional insured status, complex policy language, and lack of experience are creating confusion, risk, and costly mistakes across insurance claims and contracts. … Read More » The post The “Additional Insured” Illusion: Why Coverage Isn't What You Think | IJA Aftershow: BIll Wilson appeared first on Insurance Journal TV.

Medical costs and insurance premiums keep going up. Fortunately, there are some steps you can take to minimize the effects of rising costs. This tip will discuss how Health Savings Accounts (HSAs) can help you manage some of those expenses and save money.   Links: Learn more about Tringle's Health Savings Accounts Check out TCU University for financial education tips and resources! Follow us on Facebook, Instagram and Twitter! Learn more about Triangle Credit Union Transcript: Welcome to Money Tip Tuesday from the Making Money Personal podcast.  Let's start by explaining what an HSA is. HSA stands for Health Savings Account and is very similar to a personal savings account, but money saved in the account must be used to pay for health care expenses (there is an exception to that, which will be covered in a bit). The good news is this is your money, so you get to control how the funds are spent and for which medical expenses.     You can open an HSA if you have a high-deductible health plan (HDHP). You can't if you're on Medicare, TRICARE, TRICARE for Life, or are listed as someone else's dependent for taxes. If you're self-employed and have an HDHP, you can get an HSA. If you switch jobs, your HSA stays with you.   Since we've discussed high-deductible health plans, let's define an HDHP. In 2026, the IRS sets the minimum deductible at $1,700 for individuals or $3,400 for families. The total yearly out-of-pocket costs, including deductibles, copays, and coinsurance, cannot exceed $8,500 for individuals or $17,000 for families.   There are many benefits to having an HSA. One of the most notable is the tax savings. HSA contributions are made before taxes, so they're deducted from your total income when it comes time to file. In 2026, the IRS lets you put in $4,400 for individual coverage or $8,750 for family coverage. If you're 55 or older, you can add an extra $1,000 each year until you turn 65 or enroll in Medicare. This extra amount is called a catch-up contribution. Money you take out of your HSA is tax-free if you use it for qualified medical expenses, no matter your age. Plus, any money your HSA earns is also tax-free.   With an HSA, you also save on premiums. Most high-deductible health plans have lower premiums, so you can put your savings into your HSA. Use your HSA to pay for any medical expense, including coinsurance, copays, and your deductible.   Your HSA is your money. You own all the money in your HSA, even if your employer contributed, and you keep it if you change jobs, lose coverage, or retire. Your balance rolls over yearly and never expires. If you are 65 or older or disabled, you can withdraw funds for non-medical use without penalty. Using your HSA is easy. Open one at a bank or credit union to get a debit card. Use it to pay for expenses like copays, deductibles, and prescriptions.  If you're interested in getting started with your own HSA, there are multiple ways to contribute. For a list of ways you can contribute and a transcript of this money tip, check out "Helpful Hints about HSAs at triangleuniversity.org.   If there are any other tips or topics you'd like us to cover, let us know at tcupodcast@trianglecu.org. Also, remember to like and follow our Making Money Personal Facebook and Instagram to share your thoughts. Finally, remember to look for our sponsor, Triangle Credit Union, on Facebook and LinkedIn.           Thanks for listening to today's Money Tip Tuesday. Check out our other tips and episodes on the Making Money Personal podcast.  Eligibility and contribution limits are set by the IRS and may change. This information is for educational purposes and isn't tax advice—please consult a qualified tax professional. Insured by the NCUA.

Episode 502 features Stacey's conversation with Brian Machut (Alliant Health) on how widespread Medicare fee-for-service fraud is inflating costs and undermining ACO shared savings in MSSP and ACO REACH. ACOs uncovered major urinary catheter fraud in 2023 tied to codes A4352/A4353, totaling about $3.5B, with some beneficiaries billed for items never received (including a case shared by Dr. Tara Lagu).  CMS created a "SAHS" (significant, anomalous, highly suspect) process to remove certain suspect costs, but benchmark effects can unevenly impact ACOs; catheter fraud is still projected at $3–$3.5B in 2025. The episode also highlights rapidly growing "skin substitute" spending projected at $13–$15B in 2025; CMS did not classify 2024 skin substitute costs as SAHS, leaving them in ACO performance calculations.  Machut explains this fraud and missed CMS trend projections can reduce provider earnings, discourage participation in value-based care, and potentially drive cost shifting into higher commercial rates—affecting plan sponsors such as self-insured employers. === LINKS ===

Ken Landau talks with Attorney Rosa M. Feeney, a partner and chair of the insurance risk division of the Smiley and Smiley Law Firm, who describes "Resolving Insurance Coverage Disputes."  Sometimes the insurance company denies coverage after a possible claim for compensation or protection after an accident or event, so find out the steps the individual or company can take to litigate the claim and receive compensation or protection under an insurance policy.

Ken Landau talks with Attorney Rosa M. Feeney, a partner and chair of the insurance risk division of the Smiley and Smiley Law Firm, who describes how to "Protect Yourself with Insurance."  She outlines the different types of insurance a student, family or business may need; and how it might protect them if there is a lawsuit or judgment; or provide compensation for them after an accident. She also explains what to do after an accident or possible claim.

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

This time on Code WACK! Why are people in America resorting to receiving medical care in animal stalls - even if they have health insurance? What would it take to make volunteer stopgap clinics unnecessary - and who stands in the way of real reform? To break it down, we spoke with leading healthcare reform advocate and New York Times bestselling author Wendell Potter. A former health insurance executive turned industry whistleblower, Wendell now serves as board president of the Center for Health and Democracy, which advocates for healthcare reform, and editor-in-chief of HEALTHCARE Un-covered, which investigates healthcare corporations and insurance conglomerates. This is part two of a two-part series. Check out the Transcript and Show Notes for more! Keep Code WACK! on the air with a tax-deductible donation at heal-ca.org/donate.

Paul Kavanagh from McCarthy Insurance looks at clauses that might catch you and as the system is mostly automatic now so it pays to be careful he tells PJ Hosted on Acast. See acast.com/privacy for more information.

This time on Code WACK!  Why are people in America resorting to receiving medical care in animal stalls - even if they have health insurance? What would it take to make volunteer stopgap clinics unnecessary - and who stands in the way of real reform? To break it down, we spoke with leading healthcare reform advocate and New York Times bestselling author Wendell Potter. A former health insurance executive turned industry whistleblower, Wendell now serves as board president of the Center for Health and Democracy, which advocates for healthcare reform, and editor-in-chief of HEALTHCARE Un-covered, which investigates healthcare corporations and insurance conglomerates. This is part two of a two-part series. Check out the Transcript and Show Notes for more!   

This time on Code WACK! Why are people in America resorting to receiving medical care in animal stalls - even if they have health insurance? What would it take to make volunteer stopgap clinics unnecessary - and who stands in the way of real reform? To break it down, we spoke with leading healthcare reform advocate and New York Times bestselling author Wendell Potter. A former health insurance executive turned industry whistleblower, Wendell now serves as board president of the Center for Health and Democracy, which advocates for healthcare reform, and editor-in-chief of HEALTHCARE Un-covered, which investigates healthcare corporations and insurance conglomerates. This is part two of a two-part series. Check out the Transcript and Show Notes for more!

Hello, all you and the Relentless Health Tribe trying to figure out how to do right by patients and the folks footing the bill. Welcome to it. This is episode 499, one episode before episode 500. So, come back next week for that one. For a full transcript of this episode, click here. If you enjoy this podcast, be sure to subscribe to the free weekly newsletter to be a member of the Relentless Tribe. All right, so today, let's talk about the inches that are all around us. Let's find some. Musculoskeletal spend, otherwise known as MSK spend, for any given plan sponsor adds up to the tune of something like 20% or 30% of total plan spending, depending on the member demographic. MSK rolls in at $16 PMPM, I just saw, according to a report Keith Passwater sent me a couple of weeks ago. It's the third most costly spend apparently overall. And it's easy to see why, right? On any given day, odds are good any given plan member is gonna do something that, in hindsight, was fairly obviously a bad idea and wind up getting hurt in some low-acuity way. For example, I remember that one time I twisted my ankle on a curb getting outta my car. Given the right space, enough time, and concentration, I can do the worst parking job you've ever seen in your life and manage to twist my ankle in the process. But I digress. Here's the point. MSK spend adds up really fast. Add to that something like 50% of spine surgeries are said to be unnecessary. The same thing goes true from injuries like twisted ankles, for example, that would have healed themselves without an ER visit, without any intervention aside from ice, rest, and elevate. Because it turns out that something like 80% of those twisted-ankle, banged-up-the-back types of MSK injuries are actually low acuity, and a huge percentage of those will heal by themselves. On that point, let me bring in some context here, some late-breaking news. I was reading Dana Prommel's newsletter. She wrote, and I'm reading this, she wrote, "The 2026 National Healthcare Expenditure data reports are out, and it is another sobering reflection of our current system. Personal healthcare spending has surged by over 8%, and our healthcare spend as a share of the GDP has followed that same aggressive trajectory." Then Dana writes, "The most troubling takeaway from the 2026 report is the lack of a 'health dividend.' Despite [this] 8% increase in spending, we aren't seeing a corresponding 8% increase in longevity, wellness, or chronic disease management. People aren't getting significantly healthier; they are just getting more 'care.' And that 'care' isn't always good care, or the right care, or care by the right type of clinician, at the right time, in the right setting." Is that not the perfect segue or what? Because this is what we're talking about on the show today in regard to, again, MSK care—care that can wind up costing millions of dollars across plan members, and it might be unnecessary because, again, the twisted ankle or the pain in the lower back would have healed itself without any care, without an ER visit. But if an ER visit was had, that patient probably is gonna wind up with a bunch of imaging. Probably is gonna wind up with a referral to a surgeon. And now there's a surgery scheduled, and the patient has been off work for however long all that took. There's a lot of direct and indirect costs that may or may not add up to any given health dividend or health span or whatever you wanna call it—better quality of life.   Why does all this happen? How does it happen? One reason is what Dr. Jay Kimmel calls the white space of MSK care. This is where a patient does a truly breathtaking job parking the car, twists her ankle, starts to swell up, and now a decision has to be made: Go to the ER. Go to urgent care. Go home. Or what if it's a parent making this choice for a kid? In the olden days, maybe that patient would've called up his or her longtime family doctor and asked what to do, and maybe if that longtime family doctor didn't know, he or she would have called up the local ortho and gotten their opinion. Or maybe the two were sitting together in the doctor's lounge at the time, or maybe they rounded together in the hospital and, and, and … There used to be lots of opportunities for spontaneous questions and answers and curbside consults. But not today most of the time, really, unless you're a patient with a doctor in the family. But even for a PCP, who wants an ortho consult? Amy Scanlan, MD, and I discussed this quite a bit in an earlier episode (EP402). There's no doctor lounges anymore. There's no coffee klatch down in radiology either. There's just a lot of cultural shifts, in other words. But all of this, everything I have said thus far, all adds up to one big takeaway: These excess costs that don't have commensurate improved clinical outcomes, they happen because patients are on their own to triage themselves. They look at their black-and-blue whatever, or they're standing there listening to their kid cry and they are deciding what to do. And the thing is, if they choose the ER—because, again, they don't have a doctor, anybody they can just call with the right kind of clinical background—once they head into that ER and sit there for six hours and demand an MRI because now it has to be worth their time because they sat there for six hours; but now there's a false positive and the ER docs are being conservative because of malpractice or whatever and they refer them to some sort of surgeon … Look, everybody's doing their best with the information that they have at the time, but you can see how easy it is for a person to avoidably wind up costing a lot of money for a musculoskeletal injury that would have healed by itself. So, yeah, let's talk about how we can get patients some help in that so-called white space. How can we get them, triage before the triage, as I managed to say more than once in the conversation that follows? Let's get them on a good trajectory to start. Today, my guest is Dr. Jay Kimmel. Dr. Kimmel is an orthopedic surgeon, and he's been in practice in Connecticut for over 35 years. He and Steve Schutzer, MD, co-founded Upswing Health. I talked with Dr. Steve Schutzer about Centers of Excellence in an earlier episode (EP294). Upswing Health provides members with the opportunity to talk with an athletic trainer within 15 minutes and an orthopedic specialist within 24 hours. So, instead of having a panic attack of indecision and ultimately winding up in the ER, getting coughed on in the waiting room, members have somebody helping them in this white space so they can get triaged before the triage. I need to thank Upswing Health. I am so appreciative they donated some financial support to cover the costs of this episode. This podcast is sponsored by Aventria Health Group with an assist from Upswing Health. Also mentioned in this episode are Upswing Health; Keith Passwater; Dana Prommel; Amy Scanlan, MD; Steve Schutzer, MD; Eric Bricker, MD; Al Lewis; Nikki King, DHA; Matt McQuide; Christine Hale, MD, MBA; and Chris Deacon. For a list of healthcare industry acronyms and terms that may be unfamiliar to you, click here.   You can learn more at upswinghealth.com and follow Dr. Kimmel on LinkedIn.   Jay Kimmel, MD, is the president and co-founder of Upswing Health, the country's first virtual orthopedic clinic. He founded Upswing with Steve Schutzer, MD, to rapidly assess, triage, and manage orthopedic conditions in a cost-effective, high-value manner, helping patients avoid unnecessary imaging, procedures, and delays in care. Dr. Kimmel had a long and distinguished career as a practicing orthopedic surgeon with Advanced Orthopedics New England. He earned his undergraduate degree from Cornell University and his medical degree from the University of Rochester. He completed his orthopedic residency at Columbia Presbyterian Medical Center, where he trained with leaders in shoulder surgery, followed by a sports medicine fellowship at Temple University Center for Sports Medicine, where he participated in the care of Division I collegiate athletes. He is board-certified in orthopedic surgery and is a Fellow of the American Academy of Orthopedic Surgeons. Dr. Kimmel specializes in sports medicine with an emphasis on shoulder and knee injuries and holds a subspecialty certificate in orthopedic sports medicine from the American Board of Orthopedic Surgery. He is also a member of the American Orthopedic Society for Sports Medicine. Dr. Kimmel co-founded the Connecticut Sports Medicine Institute at Saint Francis Hospital, a multidisciplinary center dedicated to providing high-quality care for athletes at all levels, and served as its co-director for many years. He has a strong commitment to education and served for over 20 years as an assistant clinical professor in both family medicine and orthopedics at the University of Connecticut. He has also served as a team physician at the professional, collegiate, and high school levels.   07:49 EP472 with Eric Bricker, MD, on high-cost claimants. 08:01 What is the "white space" in MSK spend? 10:43 Statistics on Connecticut's spending on plan members with low-acuity MSK injuries. 13:30 How back pain also easily transitions from a low-acuity issue to a high-acuity problem. 15:11 How plan sponsors can detect their white space downstream spend. 16:58 EP464 with Al Lewis. 17:02 EP470 with Nikki King, DHA. 18:15 Why where patients start their journey often dictates where they wind up and how costly that medical pathway is. 20:48 Where PCPs fit into this MSK spend issue. 25:26 EP468 with Matt McQuide. 25:34 EP471 with Christine Hale, MD, MBA. 25:39 Why access is key.   You can learn more at upswinghealth.com and follow Dr. Kimmel on LinkedIn.   Jay Kimmel, MD, of @upswinghealth discusses #MSKspend on our #healthcarepodcast. #healthcare #podcast #financialhealth #patientoutcomes #primarycare #digitalhealth #healthcareleadership #healthcaretransformation #healthcareinnovation #musculoskeletal   Recent past interviews: Click a guest's name for their latest RHV episode! Mark Noel, Gary Campbell (Take Two: EP341), Zack Kanter, Mark Newman, Stacey Richter (INBW45), Stacey Richter (INBW44), Marilyn Bartlett (Encore! EP450), Dr Mick Connors  

My dearest TFD Baddies,It's been a little bit. But I come to you with important information. Links as promised:https://secure.money.com/pr/se78f4e9a300https://secure.money.com/pr/qe5c0a8a5bcbLove,Stephanie xoxox This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit thefinancediaries.substack.com

Carl Quintanilla, Sara Eisen, and David Faber kicked off the hour with a fresh debate around the latest trade headlines - before Apollo Chief Economist Torsten Slok broke down what it all means for stocks. At the bottom of the S&P? Health insurance stocks... sliding on a new medicare proposal out of the White House. Hear more from one analyst who says to buy the dip here. Also: a multitude of A.I. headlines - as one key CEO pens a fresh warning for humanity, Meta signs a new deal with Corning sending those shares surging, and investors eye Chinese competition (on the 1-year anniversary of the DeepSeek related sell-off). A.I. expert X. Eyeé joined the team with a deep-dive on all of it. Squawk on the Street Disclaimer Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

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Sod's Country Farms was raising 65,000 chickens when a fire burned down the poultry house. After a detailed investigation, the cause of the fire was undetermined. To further complicate matters, Sod's Country Farms didn't even own the chickens themselves, but raised them for a vendor. They want to know if the property loss of the  animals is covered-- and what policy would be most appropriate.   Notable Timestamps [ 00:00 ] - A poultry house fire destroys 65,000 chickens, but the insured doesn't own the birds. [ 03:30 ] - Contract Growing is common in agriculture, with farmers raising animals owned by vendors.  [ 05:20 ] - Under the ISO BOP, animals are generally excluded, but exceptions exist for animals owned by others and "boarded" by the insured. [ 07:00 ] - Courts may rely on dictionary definitions when policy terms like "boarded" are undefined. [ 09:00 ] - Adjusters should review the contract for risk transfer provisions, insurance requirements, and other-insurance clauses to understand responsibilities and potential overlap. [ 11:30 ] - Standard BOP coverage can fall short for farming operations. Specialized farm policies are designed to address poultry risks more directly through scheduling and declaration-based coverage. [ 13:30 ] - Declarations pages matter in agricultural losses. How buildings, poultry locations, and coverage types are defined can determine whether coverage applies or is excluded. [ 15:30 ] - Valuing large-scale poultry losses is complex, involving age, weight, market timing, pricing data, and delay to market, often guided by specific policy language on cash market value. [ 17:15 ] - Brennan summarizes the key points above. Your PLRB Resources Annotation: BP191 - Animals - https://members.plrb.org/documents/bp191-animals Podcast Episode: Don't Count Your Chicken Coops Before They're Insured - https://members.plrb.org/education/courses/dont-count-your-chicken-coops-before-theyre-insured Listeners can email education@plrb.org for help navigating resources, requesting new content, or getting tailored curriculum support. Employees of member companies also have access to a searchable legal database, hundreds of hours of video trainings, building code materials, weather data, and even the ability to have your coverage questions answered by our team of attorneys (https://www.plrb.org/ask-plrb/) at no additional charge to you or your company. Subscribe to this Podcast Your Podcast App - Please subscribe and rate us on your favorite podcast app YouTube - Please like and subscribe at @plrb LinkedIN - Please follow at "Property and Liability Resource Bureau" Send us your Scenario! Please reach out to us at 630-509-8704 with your scenario! This could be your "adjuster story" sharing a situation from your claims experience, or a burning question you would like the team to answer. In any case, please omit any personal information as we will anonymize your story before we share. Just reach out to scenario@plrb.org.  Legal Information The views and opinions expressed in this resource are those of the individual speaker and not necessarily those of the Property & Liability Resource Bureau (PLRB), its membership, or any organization with which the presenter is employed or affiliated. The information, ideas, and opinions are presented as information only and not as legal advice or offers of representation. Individual policy language and state laws vary, and listeners should rely on guidance from their companies and counsel as appropriate. Music: "Piece of Future" by Keyframe_Audio. Pixabay. Pixabay License. Font: Metropolis by Chris Simpson. SIL OFL 1.1. Icons: FontAwesome (SIL OFL 1.1) and Noun Project (royalty-free licenses purchased via subscription). Sound Effects: Pixabay (Pixabay License) and Freesound.org (CC0).

Dr. Kumar Dharmarajan, cardiologist and geriatrician and Co-Founder and Chief Medical Officer at World Class Health, is  bringing concierge healthcare to employees of self-insured companies.   The platform includes a global network of top-tier doctors and nurse navigators. Directly negotiating with providers reduces costs and reduces administrative and financial friction for patients seeking planned procedures. The model also reduces friction for physicians by providing them with complete patient records and ensuring prompt payment. Kumar explains, "We are a global, medically led center of excellence platform. So, by that, we have top doctors and top hospitals around the world, including the United States and many other countries, and we help patients access that network. We have pre-negotiated rates via our nurse navigators. We really believe in the power of nurses to help patients make healthcare decisions that may be valuable and important to them. And those nurses will work with the patient before, during, and after their care episode, whether that physician they access is local, in their own communities, or somewhere else around the world. And right now, we are partnering with large self-insured companies around the world and offering our product, in addition to the network they have through their usual insurer." "We are looking for employees of self-insured large companies. Our specific target has been largely knowledge workers, so these are employees in technology, financial services, and other knowledge industries. And the reason we feel that is one, our global network may be really appealing to them because many knowledge workers come from different parts of the world, Asia, Europe, Latin America, etc. And second, our nurses and our strong concierge model, which we built with experts from Stanford and Johns Hopkins International, have created a truly white-glove experience. So not only are they high-quality, highly qualified providers, top 1% doctors, hospitals around the world, but it's also a white glove service to help patients deal with all the administrative minutiae and challenges we all experience in healthcare. And we believe that's well powered and tailored to the knowledge industry." #WorldClassHealth #SelfInsured #ConciergeCare #NurseNavigators #DigitalHealth worldclasshealth.com Download the transcript here

Dr. Kumar Dharmarajan, cardiologist and geriatrician and Co-Founder and Chief Medical Officer at World Class Health, is  bringing concierge healthcare to employees of self-insured companies.   The platform includes a global network of top-tier doctors and nurse navigators. Directly negotiating with providers reduces costs and reduces administrative and financial friction for patients seeking planned procedures. The model also reduces friction for physicians by providing them with complete patient records and ensuring prompt payment. Kumar explains, "We are a global, medically led center of excellence platform. So, by that, we have top doctors and top hospitals around the world, including the United States and many other countries, and we help patients access that network. We have pre-negotiated rates via our nurse navigators. We really believe in the power of nurses to help patients make healthcare decisions that may be valuable and important to them. And those nurses will work with the patient before, during, and after their care episode, whether that physician they access is local, in their own communities, or somewhere else around the world. And right now, we are partnering with large self-insured companies around the world and offering our product, in addition to the network they have through their usual insurer." "We are looking for employees of self-insured large companies. Our specific target has been largely knowledge workers, so these are employees in technology, financial services, and other knowledge industries. And the reason we feel that is one, our global network may be really appealing to them because many knowledge workers come from different parts of the world, Asia, Europe, Latin America, etc. And second, our nurses and our strong concierge model, which we built with experts from Stanford and Johns Hopkins International, have created a truly white-glove experience. So not only are they high-quality, highly qualified providers, top 1% doctors, hospitals around the world, but it's also a white glove service to help patients deal with all the administrative minutiae and challenges we all experience in healthcare. And we believe that's well powered and tailored to the knowledge industry." #WorldClassHealth #SelfInsured #ConciergeCare #NurseNavigators #DigitalHealth worldclasshealth.com Listen to the podcast here

Sam is a huge Bears fan. He sets up his brand new smoker in the backyard and put a perfectly seasoned pork shoulder on to cook all day -- just in time for the Sunday Night Bears v. Packers game.  The smoker was near the side of the house, but not directly next to it. After 8 hours, the shoulder was tender and ready to eat… but the insured's siding had melted. Sam seeks coverage for the replacement of the melted siding (and for the pork shoulder he dropped when he saw the damage).   Notable Timestamps [ 00:23 ] - Sonia sets out a tragic game day scenario. [ 01:16 ] - Fire is often defined by courts using dictionary definitions, such as Merriam-Webster's: "the phenomenon of combustion manifested in light and heat". [ 04:38 ] - Scorching analysis suggests black marks may indicate oxidation and a glow (which could be fire damage), while brown marks often indicate high heat damage only. [ 06:58 ] - For insurance purposes, losses must be fortuitous; Sam was trying to smoke meat, not melt the siding, so the damage was fortuitous from his perspective. [ 08:37 ] - Most states rely on "proximate cause", i.e. the dominant or efficient cause that initiates the events, when analyzing causation for claims. [ 09:23 ] - Friendly fire is contained in its usual place (like a stove), while hostile fire is unexpected or uncontrolled and not in its intended location. However, this analysis is not typically used by modern courts. [ 11:43 ] - Sonia provides a recap of the points above. Your PLRB Resources The Future of Insurance Podcast - https://future-of-insurance.com/podcast/ Coverage Question: Smoker Melts Nearby Siding - https://www.plrb.org/documents/named-peril-coverage-smoker-melts-nearby-siding-pcq-2025-02-24-slc-a/ Coverage Question: Christmas Lights Scorched Couch: Is Couch Covered? - https://www.plrb.org/documents/fire-peril-scorched-couch/ Employees of member companies also have access to a searchable legal database, hundreds of hours of video trainings, building code materials, weather data, and even the ability to have your coverage questions answered by our team of attorneys (https://www.plrb.org/ask-plrb/) at no additional charge to you or your company. Subscribe to this Podcast Your Podcast App - Please subscribe and rate us on your favorite podcast app YouTube - Please like and subscribe at @plrb LinkedIN - Please follow at "Property and Liability Resource Bureau" Send us your Scenario! Please reach out to us at 630-509-8704 with your scenario! This could be your "adjuster story" sharing a situation from your claims experience, or a burning question you would like the team to answer. In any case, please omit any personal information as we will anonymize your story before we share. Just reach out to scenario@plrb.org.  Legal Information The views and opinions expressed in this resource are those of the individual speaker and not necessarily those of the Property & Liability Resource Bureau (PLRB), its membership, or any organization with which the presenter is employed or affiliated. The information, ideas, and opinions are presented as information only and not as legal advice or offers of representation. Individual policy language and state laws vary, and listeners should rely on guidance from their companies and counsel as appropriate. Music: "Piece of Future" by Keyframe_Audio. Pixabay. Pixabay License. Font: Metropolis by Chris Simpson. SIL OFL 1.1. Icons: FontAwesome (SIL OFL 1.1) and Noun Project (royalty-free licenses purchased via subscription). Sound Effects: Pixabay (Pixabay License) and Freesound.org (CC0).

Nefertarei El Bey (Nef-er-tar-ee), a woman whose goal in life is to be integral and live a purpose-filled life. She worked in healthcare for over 23 years. Her past experiences prepared me for a variety of development and leadership. She has worn lots of hats: Insurance Claims Management, Customer Service Management, Medical Billing and Coding, Auditor for Subrogation Cases. The list goes on and on.The commonality of all these roles is people. Everyone wants to be heard and understood. All the roles she found herself in were liaisons between the company and the people. This is how she came to know my true purpose, being a servant to man.She is honored to be a community resource, helping individuals understand Medicare plans and final expenses. She's a licensed agent for health and life in 13 states. She is invested in each client by educating and keeping them informed of updates.Nefertarei is a wife, mother, grandma, sister, auntie, daughter, and most importantly, a child of God. She resides with her husband in Concord, NC. Her ideal weekend is not to have plans and do NOTHING!!! Nevertheless, when you hear her name or think of her now, she is passionate and always grateful to serve.Learn more: http://www.insuredbynef.com/Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-nef-el-bey-with-c-k-healthcare-advisors-founder-of-insured-by-nef-discussing-legacy-protection

Nefertarei El Bey (Nef-er-tar-ee), a woman whose goal in life is to be integral and live a purpose-filled life. She worked in healthcare for over 23 years. Her past experiences prepared me for a variety of development and leadership. She has worn lots of hats: Insurance Claims Management, Customer Service Management, Medical Billing and Coding, Auditor for Subrogation Cases. The list goes on and on.The commonality of all these roles is people. Everyone wants to be heard and understood. All the roles she found herself in were liaisons between the company and the people. This is how she came to know my true purpose, being a servant to man.She is honored to be a community resource, helping individuals understand Medicare plans and final expenses. She's a licensed agent for health and life in 13 states. She is invested in each client by educating and keeping them informed of updates.Nefertarei is a wife, mother, grandma, sister, auntie, daughter, and most importantly, a child of God. She resides with her husband in Concord, NC. Her ideal weekend is not to have plans and do NOTHING!!! Nevertheless, when you hear her name or think of her now, she is passionate and always grateful to serve.Learn more: http://www.insuredbynef.com/Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-nef-el-bey-with-c-k-healthcare-advisors-founder-of-insured-by-nef-discussing-legacy-protection

Send us a textOur Patreon - https://www.patreon.com/HockeyCardsGongshowOn this episode of the Hockey Cards Gongshow podcast we start with Phil's trip to Private Collection Insurance to get his PC covered (7:06).  Then Ken Reid joins the show to talk about his new book The Next One, the current state of the hockey hobby and the start to the 2025-26 NHL season (31:16).Partners & SponsorsGongshow Reloaded - https://www.GongshowReloaded.comHockeyChecklists.com - https://www.hockeychecklists.comSlab Sharks Consignment - http://bit.ly/3GUvsxNSlab Sharks is now accepting U.S. submissions!MINTINK - https://www.mintink.caPSA - https://www.psacard.comGP Sports Cards - https://gpsportcards.com/Private Collection Insurance - https://privatecollectioninsurance.comSign up for Card Ladder - https://app.cardladder.com/signup?via=HCGongshoFollow Hockey Cards Gongshow on social mediaInstagram - https://www.instagram.com/hockey_cards_gongshow/TikTok - https://www.tiktok.com/@hockey_cards_gongshowFacebook - https://www.facebook.com/HockeyCardsGongshowTwitter - https://twitter.com/HCGongshowThe Hockey Cards Gongshow podcast is a production of Dollar Box Ventures LLC

Nefertarei El Bey (Nef-er-tar-ee), a woman whose goal in life is to be integral and live a purpose-filled life. She worked in healthcare for over 23 years. Her past experiences prepared me for a variety of development and leadership. She has worn lots of hats: Insurance Claims Management, Customer Service Management, Medical Billing and Coding, Auditor for Subrogation Cases. The list goes on and on.The commonality of all these roles is people. Everyone wants to be heard and understood. All the roles she found herself in were liaisons between the company and the people. This is how she came to know my true purpose, being a servant to man.She is honored to be a community resource, helping individuals understand Medicare plans and final expenses. She's a licensed agent for health and life in 13 states. She is invested in each client by educating and keeping them informed of updates.Nefertarei is a wife, mother, grandma, sister, auntie, daughter, and most importantly, a child of God. She resides with her husband in Concord, NC. Her ideal weekend is not to have plans and do NOTHING!!! Nevertheless, when you hear her name or think of her now, she is passionate and always grateful to serve.Learn more: http://www.insuredbynef.com/Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-nef-el-bey-with-c-k-healthcare-advisors-founder-of-insured-by-nef-discussing-empowerment-through-opportunity-for-women-everywhere

Nefertarei El Bey (Nef-er-tar-ee), a woman whose goal in life is to be integral and live a purpose-filled life. She worked in healthcare for over 23 years. Her past experiences prepared me for a variety of development and leadership. She has worn lots of hats: Insurance Claims Management, Customer Service Management, Medical Billing and Coding, Auditor for Subrogation Cases. The list goes on and on.The commonality of all these roles is people. Everyone wants to be heard and understood. All the roles she found herself in were liaisons between the company and the people. This is how she came to know my true purpose, being a servant to man.She is honored to be a community resource, helping individuals understand Medicare plans and final expenses. She's a licensed agent for health and life in 13 states. She is invested in each client by educating and keeping them informed of updates.Nefertarei is a wife, mother, grandma, sister, auntie, daughter, and most importantly, a child of God. She resides with her husband in Concord, NC. Her ideal weekend is not to have plans and do NOTHING!!! Nevertheless, when you hear her name or think of her now, she is passionate and always grateful to serve.Learn more: http://www.insuredbynef.com/Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-nef-el-bey-with-c-k-healthcare-advisors-founder-of-insured-by-nef-discussing-empowerment-through-opportunity-for-women-everywhere

Nefertarei El Bey (Nef-er-tar-ee), a woman whose goal in life is to be integral and live a purpose-filled life. She worked in healthcare for over 23 years. Her past experiences prepared me for a variety of development and leadership. She has worn lots of hats: Insurance Claims Management, Customer Service Management, Medical Billing and Coding, Auditor for Subrogation Cases. The list goes on and on.The commonality of all these roles is people. Everyone wants to be heard and understood. All the roles she found herself in were liaisons between the company and the people. This is how she came to know my true purpose, being a servant to man.She is honored to be a community resource, helping individuals understand Medicare plans and final expenses. She's a licensed agent for health and life in 13 states. She is invested in each client by educating and keeping them informed of updates.Nefertarei is a wife, mother, grandma, sister, auntie, daughter, and most importantly, a child of God. She resides with her husband in Concord, NC. Her ideal weekend is not to have plans and do NOTHING!!! Nevertheless, when you hear her name or think of her now, she is passionate and always grateful to serve.Learn more: http://www.insuredbynef.com/Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-nef-el-bey-with-c-k-healthcare-advisors-founder-of-insured-by-nef-discussing-asset-management-for-the-working-class

Nefertarei El Bey (Nef-er-tar-ee), a woman whose goal in life is to be integral and live a purpose-filled life. She worked in healthcare for over 23 years. Her past experiences prepared me for a variety of development and leadership. She has worn lots of hats: Insurance Claims Management, Customer Service Management, Medical Billing and Coding, Auditor for Subrogation Cases. The list goes on and on.The commonality of all these roles is people. Everyone wants to be heard and understood. All the roles she found herself in were liaisons between the company and the people. This is how she came to know my true purpose, being a servant to man.She is honored to be a community resource, helping individuals understand Medicare plans and final expenses. She's a licensed agent for health and life in 13 states. She is invested in each client by educating and keeping them informed of updates.Nefertarei is a wife, mother, grandma, sister, auntie, daughter, and most importantly, a child of God. She resides with her husband in Concord, NC. Her ideal weekend is not to have plans and do NOTHING!!! Nevertheless, when you hear her name or think of her now, she is passionate and always grateful to serve.Learn more: http://www.insuredbynef.com/Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-nef-el-bey-with-c-k-healthcare-advisors-founder-of-insured-by-nef-discussing-asset-management-for-the-working-class

Neal Shah's journey, showcases the impact of caregiving on individual lives and the broader healthcare system. Raised in a close-knit immigrant family, Neal's values were shaped early by the examples set by his parents and grandparents. After building an impressive career in finance, a series of personal experiences as a caregiver—first supporting his grandfather through end-of-life care, then facing his wife's severe illness—transformed his outlook and priorities. He became intimately aware of both the emotional toll and practical challenges caregivers face and the systemic flaws that make caregiving in America so difficult.These experiences motivated Neal to leave his high-powered finance career to focus on creating social impact. He founded Carry Ya, a not-for-profit project that connects families in need with qualified, motivated student caregivers at affordable rates, disrupting the expensive, often impersonal agency model. Neal is also the author of the book "Insured to Death," which exposes the failures of the American health insurance system, and he launched Counterforce Health, an AI-powered platform that empowers patients and caregivers to fight insurance denials. Neal's innovative, empathetic responses to systemic challenges underline his commitment to honoring caregivers as the backbone of the healthcare system and ensuring that their support, as well as that of care recipients, is financially and emotionally sustainable.About Neal:America's Chief Elder Officer. CEO of CareYaya Health Technologies and Chairman of Counterforce Health. Working hard to improve healthcare. Author of #1 Bestseller in Health Policy, "Insured to Death: How Health Insurance Screws Over Americans - And How We Take It Back". After a successful career as a $250 million hedge fund manager, deeply personal caregiving experiences inspired a pivot to social entrepreneurship. Now, determined to transform care delivery through technology.Building a rapidly-growing tech startup to expand access to affordable care. Pioneering cutting-edge AI applications and neurotechology to fundamentally elevate quality of life for those needing care. Motivated by creativity and humanitarian progress.Leveraging experiences guiding multi-billion dollar investments to make an impact on improving care for our most vulnerable populations. Leading with both heart and analytical rigor.Building unrivaled technical capabilities and strategic partnerships to establish CareYaya as America's leading launchpad for care innovation. Together, let's build a better future for care! Thank you to sponsor: CareScoutSupport the showConfessions of a Reluctant Caregiver Sisterhood of Care, LLC Website: www.confessionsofareluctantcaregiver.com Like us on Facebook! Tweet with us on Twitter! Follow us on Instagram! Watch us on Youtube! Pin us on Pinterest! Link us on LinkedIn!Tune in on Whole Care Network

In this episode, Sebastien Couture is joined by Benjamin, the founder of CAP, a stablecoin protocol designed to provide insured yield. The protocol features two main products: CUSD, a digital dollar, and stCUSD, its staked, yield-bearing version. Yield is generated through an "allocation engine" where third-party operators borrow from the protocol's reserve to execute yield strategies. To ensure user deposits, these operators must be vouched for by restakers on protocols like Symbiotic. If an operator defaults, the restakers who vouched for them are slashed, protecting the stablecoin holders' funds. This model shifts risk from the end-user to the restakers, who have a bilateral relationship with the operators they underwrite, often backed by legal agreements.Topics covered in this episode:Benjamin's background and perspective on ChinaJourney into crypto and stablecoinsHot Take: Stablecoins are not as safe as you thinkThe evolution of stablecoin modelsHas DeFi forgotten about decentralization?CAP's design: CUSD and stCUSDHow CAP generates yield with operators and restakersThe role of restakers and legal agreementsIntegrating with Symbiotic and views on EigenLayerThe best use cases for shared securityNavigating the Genius Act and global regulationsRebuilding trust in the DeFi ecosystemWhy the stablecoin space is not too crowdedEpisode links:Benjamin on XCap MoneySponsors:Gnosis: Gnosis builds decentralized infrastructure for the Ethereum ecosystem, since 2015. This year marks the launch of Gnosis Pay— the world's first Decentralized Payment Network. Get started today at - gnosis.ioThis episode is hosted by Sebastien Couture. Show notes and listening options: epicenter.tv/618

In this powerful episode of Love Conquers Alz, Susie Singer Carter and Don Priess sit down with Neal K. Shah, visionary founder and CEO of CareYaya, a groundbreaking platform that connects families with compassionate, college-educated student caregivers. Neal shares how his personal caregiving journey inspired him to reimagine elder care, creating affordable, dignified, and deeply human support that benefits both older adults and the next generation of healthcare professionals.Together, they explore the urgent need to bridge generational divides, destigmatize dementia, and cultivate empathy in future doctors and nurses by immersing them in real-life caregiving experiences. Neal also opens up about his new book, "Insured to Death", which takes aim at the rising crisis of AI-driven healthcare claim denials and the devastating toll they take on patients and families.From stories of students forming life-changing bonds with people living with dementia, to hard truths about our broken long-term care and insurance systems, this conversation is both eye-opening and hopeful. It's a reminder that caregiving—when rooted in love, purpose, and community—has the power to transform lives.Counterforce HealthCareyaya.orgSupport the showNo Country For Old People; a Nursing Home Exposé is STREAMING NOW on Amazon Prime (https://www.amazon.com/gp/video/detail/B0F7D1RR5X/ref=atv_dp_share_cu_r) Please watch. Review. Share. Be a ROAR-ior!! JOIN THE R.O.A.R. MOVEMENT for quality long term care! Visit the No Country For Old People Website for more information.YOU CAN ALSO SUPPORT THE ABSOLUTELY CRUCIAL PROMOTION OF OUR DOCUMENTARY "NO COUNTRY FOR OLD PEOPLE" BY MAKING A TAX DEDUCTIBLE DONATION THROUGH THE NATIONAL CONSUMER VOICE HERE Follow us on Twitter, FB, IG, & TiK Tok

Barbra Merwin, president of Travel Insured International, has more than 30 years of experience in insurance, beginning her career in the claims adjustment department at State Farm Insurance. In this episode of Humans of Travel, Merwin shares her personal journey — from her upbringing in Minnesota to leading a full company transformation and rebrand at TII. Listeners will hear Merwin’s views on how travel insurance gives travelers much-needed peace of mind — and her vision for how travel protection can elevate the advisor–client relationship. She also reflects on the lessons learned early in her career, and her views on mentorship. Plus, advisors will get the inside scoop on what exactly should be included in a travel insurance policy, and learn more about TI’s travel advisor certification program. This episode is sponsored by Travel Insured International. RESOURCES MENTIONED IN THIS EPISODE Travel Insured International Become a Partner With Travel Insured International ABOUT YOUR HOST Emma Weissmann is the Executive Editor of TravelAge West, a print magazine and website for travel advisors based in the Western U.S. She is also the co-host of Trade Secrets, a podcast created with sister publication Travel Weekly, and the Editor-in-Chief of print publication AGENTatHOME.TravelAge West also produces events including Future Leaders in Travel, Global Travel Marketplace West, the WAVE Awards gala ad the Napa Valley Leadership Forum. ABOUT THE SHOW TravelAge West’s award-winning podcast, “Humans of Travel,” features conversations with exceptional people who have compelling stories to tell. Listeners will hear from the travel industry’s notable authorities, high-profile executives, travel advisors and rising stars as they share the highs and lows that make them human.See omnystudio.com/listener for privacy information.

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Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3224: Sam challenges the assumption that financial independence eliminates the need for life insurance, offering seven compelling reasons to maintain or purchase a policy, even when you can self-insure. From estate liquidity to tax efficiency and protecting future dependents, he outlines how the peace of mind life insurance brings often outweighs the cost, especially for those with families or complex asset portfolios. Read along with the original article(s) here: https://www.financialsamurai.com/get-life-insurance-financially-independent-can-self-insure/ Quotes to ponder: "You may leave behind stocks, bonds, real estate, fine art, and collectibles, but they require an extra step to become liquid." "If you think you've got a greater chance of dying before the term limit is up, then life insurance becomes a better deal." "Providing peace of mind to your loved ones is a major reason why people buy life insurance." Learn more about your ad choices. Visit megaphone.fm/adchoices