Lloyd’s of London from Satellites to Surplus Lines
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 of London? Lloyd’s of London […]
Types of Insurance
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 or variable accounts Disability Insurance Replaces […]
Common Rider, Exclusions, and Add-Ons
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 solutions like umbrella and personal […]
Common Insurance Terms Explained
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 telematics), then lays out the […]
