A church group policy that vanished. A family unable to bury their loved one. And a debt-free strategy that could change everything.

In this episode of Fraud, Facts & Life Insurance, Betsy and Javaughn look at the case where an Oklahoma family discovered their church "group policy" was terminated due to non-payment… despite paying $70 a month for six years.

Listen in as they also break down the Debt-Free Life approach, a strategy that uses life insurance to help families pay off mortgages, car loans, and credit cards in half the time while building cash value.

Go to AgentVerified.com for all episodes and more information.

Resources:

• AgentVerified.com - Find licensed, insured, and verified life insurance agents you can trust.
• Connect with Betsy Barr: Website | LinkedIn | Facebook | Instagram
• Connect with Javaughn Spencer - Website | LinkedIn | Instagram | TikTok

A $600,000 scam. Exploited seniors. And a reminder that the right coverage and right agent can make all the difference.

In this episode of Fraud, Facts & Life Insurance, Betsy and Javaughn reveal the case of an Alabama insurance agent who preyed on seniors, leaving families financially and emotionally devastated. They break down the red flags you must watch for and why verifying your agent could mean the difference between security and catastrophe.

Javaughn also shares a deeply personal story about helping a woman secure affordable final expense coverage to honor her last wishes and spare her children painful decisions. Meanwhile, Betsy recounts how her teenage son unexpectedly brought a new recruit into the Aloha Program… proving that integrity and heart can shape the next generation of agents.

Go to AgentVerified.com for all episodes and more information.

Resources:

• AgentVerified.com - Find licensed, insured, and verified life insurance agents you can trust.
• Connect with Betsy Barr: Website | LinkedIn | Facebook | Instagram
• Connect with Javaughn Spencer - Website | LinkedIn | Instagram | TikTok

A life insurance manager. Stolen checks. And a second arrest that proves justice doesn’t quit.

In this episode of Fraud, Facts & Life Insurance, Betsy and Javaughn share the story of a Mobile County insurance agent who thought he’d escaped the law after stealing more than $20,000. After a grand jury indictment and a bizarre mix-up at the DA’s office, he got a second chance to turn things around… but chose fraud instead.

Listen in to hear how it all went down, as well as how a simple $160/month decision could mean the difference between struggling with $2,300 a year or enjoying life with $14,000 in tax-free income annually.

Go to AgentVerified.com for all episodes and more information.

Resources:

• AgentVerified.com - Find licensed, insured, and verified life insurance agents you can trust.
• Connect with Betsy Barr: Website | LinkedIn | Facebook | Instagram
• Connect with Javaughn Spencer - Website | LinkedIn | Instagram | TikTok

A trusted agent. Vulnerable seniors. And a devastating betrayal that shook a community.

In this episode of Fraud, Facts & Life Insurance, Betsy and Javaughn review the case of a St. Petersburg insurance agent accused of defrauding elderly clients out of nearly $100,000. What started as a professional relationship took a disturbing turn as the agent gained the trust of his victims, eventually becoming a caretaker while secretly manipulating them into handing over large sums of money.

Listen in to hear the details, as well as what you should know about term life insurance: when it’s a smart choice, when to upgrade to permanent coverage, and why using term for final expenses could be a costly mistake.

Go to AgentVerified.com for all episodes and more information.

Resources:

• AgentVerified.com - Find licensed, insured, and verified life insurance agents you can trust.
• Connect with Betsy Barr: Website | LinkedIn | Facebook | Instagram
• Connect with Javaughn Spencer - Website | LinkedIn | Instagram | TikTok

A longtime friend. A trusted community leader. And a fraud case that shattered lives.

In this episode of Fraud, Facts & Life Insurance, Betsy and Javaughn examine the case of former agent and Chamber of Commerce treasurer Patsy Ritchey, sentenced to 28 years for stealing over half a million dollars from her own clients, friends, and even family.

Listen in to hear the details of the case, as well as what you should know about mortgage protection. You'll learn why your bank’s “mortgage insurance” doesn’t actually protect you, how PMI (Private Mortgage Insurance) really works, and the affordable coverage options that will keep your family in their home if life takes an unexpected turn.

Go to AgentVerified.com for all episodes and more information.

Resources:

• AgentVerified.com - Find licensed, insured, and verified life insurance agents you can trust.
• Connect with Betsy Barr: Website | LinkedIn | Facebook | Instagram
• Connect with Javaughn Spencer - Website | LinkedIn | Instagram | TikTok

A Polk County insurance agent admitted to faking policy documents—pocketing just $10,000 over six years. The outcome? A suspended prison sentence and an order to pay restitution.

This week on Fraud, Facts & Life Insurance, Betsy and Javaughn expose why this “not even good at fraud” scheme serves as a cautionary tale for families and agents alike. You’ll also hear about the benefits of final expense coverage, the team’s “No GoFundMe” campaign to help families avoid financial stress during the hardest times, and leadership lessons from building a strong agency culture.

Go to AgentVerified.com for all episodes and more information.

Resources:

• AgentVerified.com - Find licensed, insured, and verified life insurance agents you can trust.
• Connect with Betsy Barr: Website | LinkedIn | Facebook | Instagram
• Connect with Javaughn Spencer - Website | LinkedIn | Instagram | TikTok

A Florida woman secretly obtains 33 life insurance policies on 29 different people, making herself the beneficiary. In Iowa, an agent alters dates on documents to transfer funds without permission.

This week on Fraud, Facts & Life Insurance, Betsy and Javaughn expose Joyce Small’s multi-million-dollar policy scheme and Christopher Childers’ forged annuity transfers. Listen in as they also share how a passionate new agent is helping families by making sure “insurance on insurance” (accidental death policies) protect budgets and coverage the right way.

Go to AgentVerified.com for all episodes and more information.

Resources:

• AgentVerified.com - Find licensed, insured, and verified life insurance agents you can trust.
• Connect with Betsy Barr: Website | LinkedIn | Facebook | Instagram
• Connect with Javaughn Spencer - Website | LinkedIn | Instagram | TikTok

A family in Ohio takes insurance fraud to shocking levels by faking medical exams. In Florida, an agent allegedly fabricates 746 Aflac policies to rake in over $120K in commissions.

This week on Fraud, Facts & Life Insurance, Betsy and Javaughn break down the Stevenson and Williams cases: how the scams unfolded, the red flags that could’ve stopped them, and why cutting corners always costs more in the end. They also share real-world wins from the field, including how cancer policies and living benefits have provided clients with financial breathing room during life’s toughest battles.

Listen in as they show how the right systems, the right activity, and the right culture can help agents earn six figures (and beyond) the honest way.

Go to AgentVerified.com for all episodes and more information.

Resources:

• AgentVerified.com - Find licensed, insured, and verified life insurance agents you can trust.
• Connect with Betsy Barr: Website | LinkedIn | Facebook | Instagram
• Connect with Javaughn Spencer - Website | LinkedIn | Instagram | TikTok

An agent scams seniors out of $1.5 million, then spends it on jewelry, real estate, and a Maserati. Another sets up fraudulent premium finance deals, hides policy info, and leaves one client holding the bag for over $1 million after Hurricane Ian.

This week on Fraud, Facts & Life Insurance, Betsy and Javaughn talk about the cases of Shawn Heffernan and Al-Sweity and what their victims wish they had done differently.

Listen in as they also share wins from the field, like helping a young dad protect his family with living benefits after remembering his own father’s heart attack, and a brand-new agent who's already making waves (and deposits).

Go to AgentVerified.com for all episodes and more information.

Resources:

• AgentVerified.com - Find licensed, insured, and verified life insurance agents you can trust.
• Connect with Betsy Barr: Website | LinkedIn | Facebook | Instagram
• Connect with Javaughn Spencer - Website | LinkedIn | Instagram | TikTok

One agent steals $100K by faking investments and spends it on casino trips. Another writes $5 million in bogus policies using nine stolen identities. This week on Fraud, Facts & Life Insurance, Betsy and Javaughn go over the stories of Gautam Arora and James Jones, two former agents who turned trust into fraud.

They also share wins from their own agencies, like helping grandparents lock in lifelong protection for their grandkids and watching new agents confidently launch their businesses.

Listen in as they discuss the red flags, the risk to real clients, and why verifying your agent can make all the difference.

Go to AgentVerified.com for all episodes and more information.

Resources:

• AgentVerified.com - Find licensed, insured, and verified life insurance agents you can trust.
• Connect with Betsy Barr: Website | LinkedIn | Facebook | Instagram
• Connect with Javaughn Spencer - Website | LinkedIn | Instagram | TikTok