The insurance industry markets expertise, but in many states the legal standard of care says something else: agents often aren’t required to advise clients what to buy, and the insured is expected to read and understand the policy anyway. That’s not professionalism. That’s outsourcing risk to the least-informed party in the transaction.

Chris and Paul go straight at the contradiction: we mandate CE while tolerating an order-taker standard that protects mediocrity and punishes agents who do the job correctly. They draw a hard line between “real education” and cheap CE mills, explain how the system incentivizes underinsurance, and break down why the fear of higher standards driving more E&O claims doesn’t hold up in practice. This episode challenges the industry’s favorite fiction: that the current model is defensible because “that’s how it’s always been.”