Would you consider going to a doctor who advertises, “cheapest in town” or “procedures in 10 minutes or less”? There are two things at play everyday in a persons life: the ability to save money and conserve time. We all want a deal. Moreover, who doesn’t want more time? The challenge is – good, fast, […]
Insurance Tips
Understanding Your Insurance Premiums
Show Notes 00:00: Hard Market vs Soft Market: What is it? What’s the difference?03:14: What is an exposure?05:14: How does hurricanes and wildfires affect your insurance in Missouri?08:24: How do insurance companies make money?13:48: Mutual vs Stock Insurance Company: Is one better?15:23: Reserve requirements: What are they and the impact they have on insurance companies […]
Insurance Company vs Insurance Agency
Insurance Company vs Insurance Agency – these terms are thrown around synonymously all of the time. Yet they are two distinctly different entities. What is an Insurance Company? Insurance Company is who you pay your premiums to. Your Insurance Agent may take the money from you, but the Insurance Company is who ultimately receives payment. […]
Independent Agent vs Captive Agent: What’s the Difference?
Independent Agent vs Captive Agent: What’s the Difference? Insurance Companies Represented Independent Agent: Indie Agents work with multiple insurance companies. Understand, the Indie Agent does not work for any one insurance company. They have contracts with these companies, in turn they can offer their products. Captive Agent: They represent one insurance company. When you contact […]
Don’t Make a Monster Mistake
November 1, 1995 – the day after Halloween. Betty went outside to get her newspaper. It was like any other day. Then she realized her entire house, her yard, her Magnolia Tree had been TP’d. Toilet paper everywhere. So Betty did what any good neighbor would do…she cleaned it up. She had everything cleaned up […]
You’re Worth More Than 15 Minutes
What is your time worth? How often do you trade time for money (or vice versa)? “15 minutes could save you 15% or more on car insurance.” I imagine you’ve seen those commercials before? Aren’t you worth more than 15 minutes? Do you really want to entrust your financial well-being to someone that wants to […]