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 […]
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 […]
Self Assessment Insurance Coverage Test
This is a self-assessment test to help you evaluate your insurance needs before purchasing personal or commercial coverage. This test is designed to get you thinking about your unique risks and coverage requirements. Answering these questions will prepare you for a more productive conversation with an insurance agent or broker. It is a starting point, […]
Self Assessment for Financial Well-Being
Self-Assessment Questionnaire on Financial Well-Being (Adapted from CFPB) This 10-question scale, developed by the Consumer Financial Protection Bureau (CFPB), measures how well your current financial situation supports both stability and freedom of choice. This is a structured form you can answer to reflect on your financial standing: I could handle a major unexpected expense Completely […]
Preparing for Natural Disasters
Overview: This episode examines how the growing frequency and intensity of natural disasters in 2025 are pushing the U.S. insurance system to its limits. The hosts highlight alarming data—from 43,000 wildfires and record tornado counts to catastrophic floods like the Texas Hill Country event—and explain how these escalating losses are driving a widening insurance gap. […]
How My Policy Advocate is Unique
Episode Summary The conversation contrasts traditional insurance carriers with the advocacy model offered by My Policy Advocate. Carriers focus on efficiency, automation, and selling policies—often creating conflicts of interest and leaving customers to manage fragmented coverage and complex claims on their own. In contrast, the advocacy model provides dedicated human support, uses AI to uncover […]
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 […]
