Hyper-Personalized and Usage Based Insurance
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 customized service. A key focus […]
Consumer’s Guide to Cyber Security & Data Privacy Insurance
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 five core coverage areas—breach response, […]
Insurance for Gig Workers and Underserved Markets
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 freelancers needing professional liability. The […]
Sustainability and Climate Risk
Overview This episode explores how climate change is transforming insurance—driving higher premiums, shrinking coverage, and even making some areas uninsurable. With $182.7B in U.S. weather losses in 2024 and millions of homes now uninsured, insurers are hiking rates, exiting high-risk regions, and relying on forward-looking climate models. The hosts explain how “green” incentives—like discounts for […]
Understanding & Avoiding Insurance Fraud
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 exaggerations to staged losses. They […]
How Insurance Companies Use AI: What Consumers Need to Know
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 using official sources like the […]
Navigating Auto Insurance Trends in 2025
Overview: This episode breaks down why auto insurance costs are surging—rising repair expenses, inflation, tech-heavy vehicles, climate losses, and new state regulations—while revealing how personalized pricing using telematics and non-driving data can lead to unfair rate hikes. The hosts outline a consumer defense plan: shop multiple quotes, demand written explanations for premium changes, compare coverage […]
How My Policy Advocate Transforms Trust
This episode explores the vital role of a policy advocate in navigating complex services and rebuilding client trust. Listeners will learn how these advocates empower individuals, ensuring clarity and confidence when dealing with intricate policies and systems. Building Trust at My Policy Advocate Trust isn’t a value—it’s our foundation. In a market where consumers feel […]
Public Adjusters for Maximizing Insurance Claims
This episode unpacks the role of public adjusters in helping homeowners and businesses maximize their property insurance claims. Learn how adjusters negotiate with insurers, uncover overlooked damages, and ensure policyholders receive the compensation they deserve. What is a Public Adjuster? A public adjuster is a licensed insurance professional who represents policyholders in preparing, filing, and […]
Flood Insurance Crisis in 2025
This episode dives into the challenges of protecting homes in an era of rising risks. From navigating the complexities of flood insurance to coping with soaring rebuilding costs, we explore strategies for safeguarding your property in 2020 and beyond. America’s Perilous Flood Insurance Gap A quiet crisis is unfolding across the United States, not in […]
