Resource Library

Overview: This episode of The Deep Dive examines how advances in modern medicine are extending life—and why that makes long-term care insurance (LTCI) essential for financial security. The hosts highlight the shift from planning for lifespan to planning for the care span, the years when support or assisted living may

This episode demystifies converting term life insurance to a permanent policy, like whole life. It highlights the key advantages of conversion, including locking in your initial health rating and gaining a tax-deferred cash value component. The episode outlines the practical steps to conversion, the importance of understanding deadlines, and the

This episode delves into the surprising financial reality of pet insurance, explaining why premiums increase dramatically with a pet’s age. It breaks down four core factors—age, rising vet costs, breed predisposition, and location—but reveals that age is the primary driver of sharp price hikes. The discussion highlights a crucial reality

This episode dissects the complex world of insurance regulation in the U.S. and how it truly protects the consumer. It explores the roles of state departments and the NAIC, and reveals the crucial consumer protections built into the system, from policy approval and fair claims practices to your right to

This episode simplifies renters insurance and security deposits. It explains that a landlord’s policy doesn’t cover a tenant’s belongings, highlighting the need for personal property coverage. The episode also details how renters insurance provides a critical financial shield against liability claims, covering accidental damage to the building or injuries to

Episode Summary: This conversation unpacks the rise of personalized insurance, where coverage and pricing shift from broad categories to being tailored to each individual’s data. It highlights three main changes: modular coverage (choosing only what you need), individual pricing (based on detailed factors like claims history or home features), and

Overview: This podcast explores the growing importance—and complexity—of cybersecurity insurance in today’s digital world. As ransomware attacks, data breaches, and identity theft become everyday threats, the hosts explain why standard insurance policies no longer protect against modern digital risks and how cyber insurance fills that financial gap. They outline the

Episode Summary This conversation explores the insurance challenges facing gig workers and independent contractors, who lack traditional employee protections like workers’ comp, disability, and employer-provided health coverage. Without these safety nets, they must build their own protection, tailored to very different risks—for example, rideshare drivers needing commercial auto insurance versus

Overview: This episode explains how insurance fraud drains billions from the public and raises premiums for everyone, then maps out where it happens and how to defend yourself. The hosts identify three main fraud buckets: bogus or unlicensed “policies,” deceptive agent practices like premium diversion, and false policyholder claims from

This episode delves into the pervasive issue of insurance fraud, revealing how it costs consumers through higher premiums and complex claims processes. It identifies key culprits, from rogue agents and fake companies to dishonest policyholders and organized crime. The episode provides crucial defense strategies, emphasizing the importance of independent verification

This episode explores the fascinating world of Lloyd’s of London, the marketplace where the uninsurable becomes insurable. From satellites orbiting Earth to unconventional surplus lines, discover how Lloyd’s shapes global risk management and continues to reinvent insurance for the unexpected. Lloyd’s of London & Other Insurance Options What Is Lloyd’s

Whole Life Insurance Lifetime coverage with fixed premiums Builds guaranteed cash value Cash value can be borrowed against Pays tax-free death benefit Higher premiums than term life Universal Life Insurance Flexible premiums and death benefits Accumulates interest-based cash value Policy may lapse if underfunded Useful for estate planning Options: indexed

This episode helps you navigate the fine print of insurance, distinguishing between riders, exclusions, and add-ons. It details essential riders for home, auto, and life insurance, such as those for valuables, water backup, or accelerated death benefits. The episode also highlights key exclusions, like flood and earthquake, and introduces broader

Episode Summary This episode demystifies the shift to personalized insurance, explaining how policies are moving from broad risk buckets to tailored setups via modular coverage, individual pricing, and customized service—especially through usage-based insurance (UBI). It breaks UBI into mileage-based (simple “how much you drive”) and behavior-based (how you drive via