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Insurance 101 What People Need and what they get Wrong
The Insurance Playbook: Smart Coverage Strategies with Joe Lapera
Most people pay for insurance… but have no idea what they’re actually protected from. In this episode of The Prosperity Lounge, Joey sits down with Joe Lapera of Lapera Insurance — a trusted Prosperity Partner — to break down the essential coverages every household needs, the biggest gaps people overlook, and how to build real protection around your finances and your future.
Together, they unpack:
🔹 Why liability limits matter more than you think
🔹 Replacement Cost vs. Actual Cash Value (and why homeowners get caught off guard)
🔹 The trap of relying only on employer-provided life insurance
🔹 What supplemental plans really do — and who needs them
🔹 The most common mistakes people make with auto, home, life, and health insurance
🔹 How insurance priorities change at each life stage
Joe brings decades of expertise, real client stories, and simple explanations that make insurance understandable — and actionable — for everyday families.
If you’ve ever wondered, “Am I actually covered?” or “What would happen if I had a major accident or loss?” — this episode gives you the clarity and confidence you’ve been missing.
👉 Find Joe Lapera and all Prosperity Partners at:
TheProsperityLoungePodcast.com/sponsors
👉 Join our free financial community:
TheProsperityLounge.com
📺 New episodes every Wednesday and Friday at 6 PM on YouTube
🎙️ Radio broadcast Fridays at 6 PM on Praise 96.3 FM
View all episodes
By Joey Ruffalo | Financial Coach • Business Growth ExpertThe Insurance Playbook: Smart Coverage Strategies with Joe Lapera
Most people pay for insurance… but have no idea what they’re actually protected from. In this episode of The Prosperity Lounge, Joey sits down with Joe Lapera of Lapera Insurance — a trusted Prosperity Partner — to break down the essential coverages every household needs, the biggest gaps people overlook, and how to build real protection around your finances and your future.
Together, they unpack:
🔹 Why liability limits matter more than you think
🔹 Replacement Cost vs. Actual Cash Value (and why homeowners get caught off guard)
🔹 The trap of relying only on employer-provided life insurance
🔹 What supplemental plans really do — and who needs them
🔹 The most common mistakes people make with auto, home, life, and health insurance
🔹 How insurance priorities change at each life stage
Joe brings decades of expertise, real client stories, and simple explanations that make insurance understandable — and actionable — for everyday families.
If you’ve ever wondered, “Am I actually covered?” or “What would happen if I had a major accident or loss?” — this episode gives you the clarity and confidence you’ve been missing.
👉 Find Joe Lapera and all Prosperity Partners at:
TheProsperityLoungePodcast.com/sponsors
👉 Join our free financial community:
TheProsperityLounge.com
📺 New episodes every Wednesday and Friday at 6 PM on YouTube
🎙️ Radio broadcast Fridays at 6 PM on Praise 96.3 FM