Insurance is weird. It’s something we all need, but very few know all of the ins and outs of how these policies work. It’s why you have an agent. The agents job is to educate the client on all of these nuances. It’s crucial to have your policies set up properly on the front end and managed regularly. I ALWAYS encourage going in, or chatting on the phone with your agent for a policy review.

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Music by Roger Clyne and the Peacemakers

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The post Simply Explaining Insurance #155- Make sure you are covered properly appeared first on Dietz Agency.

This episode explains the difference between individual and family deductibles on health insurance plans.

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Music by Roger Clyne and the Peacemakers

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The post Simply Explaining Insurance #154- Individual Vs. Family Deductibles. appeared first on Dietz Agency.

Do you know what is covered in a covered water loss on a homeowners policy? If you assumed that whatever the water damages is covered, you would be correct (genereally). But what about the burst pipe? Is that covered? That is what I discuss with myself in this episode of Simply Explaining Insurance.

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Agency Launch training.

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Music by Roger Clyne and the Peacemakers

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The post Simply Explaining Insurance #153- Plumbing Coverage appeared first on Dietz Agency.

Insurance professionals and mortgage lenders work very closely together. This episode walks you through one of the small hiccups we have to deal with from time to time. Sometimes the lenders ask us to insure the home for the value of the loan. Sometimes that means we are overinsuring the house because the insurance doesn’t cover the value of the loan. It covers the cost to repair or rebuild the house.

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Agency Launch training.

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Music by Roger Clyne and the Peacemakers

Simply Explaining Insurance on ITunes

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The post Simply Explaining Insurance #152- Working with Mortgage Lenders appeared first on Dietz Agency.

In this episode of Simply Explaining Insurance I talk about if your auto insurance policy covers a car when you use Turo.

Turo is an app based car sharing program. You can actually rent your car to others using this service. It’s very similar to Air BnB, but for cars.

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Agency Launch training.

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Music by Roger Clyne and the Peacemakers

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The post Simply Explaining Insurance #151- Turo appeared first on Dietz Agency.

This episode contains a strategy to help lower your cost of life insurance. You can buy two policies at the same time. One term and one permament. If funded properly, the permanent policy will become an asset and the cash inside of it, could be greater than the total expense of both life insurance policies. It is a strategy worth learning!

My Website

Agency Launch training.

Agency Launch Podcast.

Music by Roger Clyne and the Peacemakers

Simply Explaining Insurance on ITunes

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The post Simply Explaining Insurance #150- Save $$ by buying more appeared first on Dietz Agency.

There is an exciting development in the world of life insurance underwrting with my company. We aren’t requiring paramed exams for people aged 18-55 who are applying for $300,000 or less of life insurance.

I never thought I would see the day. It seems with the access we have to enough data coupled with the sophistication of underwriting techniques, companies are confident to accurately underwrite without the need for the invasive paramed exams.

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Agency Launch training.

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Music by Roger Clyne and the Peacemakers

Simply Explaining Insurance on ITunes

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The post Simply Explaining Insurance #149- No more paramed exams appeared first on Dietz Agency.

An insurance review is something I would recommend everyone do every other year or so. Your life changes and your insurance needs to change with you. Today I did a review with a client and we may have uncovered $900 that we are going to attempt to get back in their pocket due to a claim that wasn’t filed a few years back.

You may be reminded of coverage that you forgot about. You also may learn of newer coverage or products that you didn’t know were available. I am going to make sure that you are getting all of your discounts and you aren’t paying for something you don’t need. It’s a beneficial appointment that both you and I will benefit from.

My Website

Agency Launch training.

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Music by Roger Clyne and the Peacemakers

Simply Explaining Insurance on ITunes

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The post Simply Explaining Insurance #148- The Review Process appeared first on Dietz Agency.

September is life insurance awareness month. My industry generally does a poor job of educating the public about any of our products, including life insurance. This episode is just real talk about an important product.

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Agency Launch training.

Agency Launch Podcast.

Music by Roger Clyne and the Peacemakers

Simply Explaining Insurance on ITunes

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The post Simply Explaining Insurnce #147- Life Insurance Awareness Month appeared first on Dietz Agency.

This episode is about water leak detection systems. These have become much more advanced and affordable over the past few years. If you can avoid a water claim in your house, you want to do this.

A water loss is very disruptive not only financially, but from a time standpoint. It can take 2-6 weeks to recover from a water loss.

My Website

Agency Launch training.

Agency Launch Podcast.

Music by Roger Clyne and the Peacemakers

Simply Explaining Insurance on ITunes

Simply Explaining Insurance on Spotify.

On Stitcher

On Android use Podcast Addict and search for Simply Explaining Insurance.

The post Simply Explaining Insurance #146- Water Leak Detection appeared first on Dietz Agency.