Spot On Insurance

Apple Podcasts Rate and Review for SpotOn

Our guest Rebekah Ratliff is an insurance expert with over 25 years of experience as a claims professional, responsible for evaluating, negotiating and settling complex casualty claims loss matters, both nationwide and internationally. During her career, Rebekah managed and held the authority to negotiate and resolve cases for major commercial carriers, with settlements totaling in the millions. In 2016, Rebekah left her claims career and founded Capital City Mediations, LLC. Registered with the State of Georgia Office of Dispute Resolution as a civil and domestic Mediator and Arbitrator. Rebekah has become a resource for law firms interested in learning the value of their cases to determine the appropriate course of action regarding trials, or the pursuit of dialogue geared towards settlement.

Rebekah is the President of the Atlanta Association of Insurance Professionals (local chapter of NAAIA, and is active with other leading industry organizations.

Rebekah is a recipient of various prestigious awards including, the 2016 President’s Volunteer Service Award, the 2017 Gwinnett Chamber of Commerce Pinnacle Award, and the National Bar Association Outstanding Service Award. Rebekah was awarded the 2018 Light of Life 7th US District Congressional Award for her work in alternative dispute resolution.

Rabekah joins us to discuss her success in the insurance industry, her obstacles as a black woman, and how relationship building has played a role in moving here forward. 

Connect with Rebekah Ratliff:

https://www.linkedin.com/in/rebekah-ratliff-a18b4735

https://www.facebook.com/CCMediations2015/

This episode was brought to you by…..

Insurance Licensing Services of America (ILSA), America’s Premier Insurance Compliance and Licensing experts. To learn more about ILSA and their services, visit ILSAinc.com.

Connect, Learn, Share

Thank you for joining us on this week’s episode of Spot On Insurance. For more resources and episodes, visit SpotOnInsurance.com. Subscribe so you never miss an episode. Love what you’re learning, Spot Light your review on Apple Podcasts Rate and Review For SpotOn and share your favorite episodes with friends and colleagues!

Apple Podcasts Rate and Review for SpotOn

Tim Christ is the Senior Executive Account Manager at Express Information Systems, a company that helps clients turn data into usable information. The company specializes in improving business technology systems as well as financial consulting. With over 20 years’ experience in executive leadership and consultative sales, Tim is capable of being any business owner’s top problem solver. He is also the author of the book, Becoming a World-Class Expert, where he shares some of his most interesting stories and experiences as a forensic engineer.

Tim joins us to share what it’s like to have a career in forensic engineering and some of the lessons he’s learned in this field. He describes what made him pursue forensic engineering and how he got into the insurance industry. He discusses what their company does for clients and how they can help a company make better financial decisions. Tim also explains what readers can expect from his book and shares a few tips that business owners can use to reduce financial mishaps.

"As business owners, we only have so many of those million-dollar mistakes we can afford to make before they're unrecoverable." - Tim Christ

Today on Spot On Insurance:

• How Tim first heard of the Spot On Insurance podcast.
• What it was like for Tim to grow up with a family of farmers in Texas.
• Why Tim pursued a career in forensic engineering.
• What a forensic engineer does and how Tim feels about this kind of job.
• The interesting story of an insurance claim he experienced in Mexico. 
• Why he is inspired to help Latin America's insurance industry.
• How Express Information Systems helps clients scale an organization's accounting and business software.
• What Tim's book is about and what readers can expect from it.
• Tips for business owners who want to reduce financial mistakes.

Key Takeaways:

• No matter how clean a claim looks, there’s always a possibility for fraud.
• Financial mistakes, no matter how small, can lead to millions of dollars in losses.

Connect with Tim Christ:

• Express Information Systems
• Email: [email protected]
• Phone: (210) 632-24571
• LinkedIn
• Becoming a World-Class Expert: The Business of Forensic Engineering

This episode was brought to you by…..

Insurance Licensing Services of America (ILSA), America’s Premier Insurance Compliance and Licensing experts. To learn more about ILSA and their services, visit ILSAinc.com.

Connect, Learn, Share

Thank you for joining us on this week’s episode of Spot On Insurance. For more resources and episodes, visit SpotOnInsurance.com. Subscribe so you never miss an episode. Love what you’re learning, Spot Light your review on Apple Podcasts Rate and Review For SpotOn and share your favorite episodes with friends and colleagues!

Apple Podcasts Rate and Review for SpotOn

Margaret Spence is the Founder of The Employee to CEO Project

Margaret is a transformational leadership development expert, keynote speaker, business strategist, and champion for women in the C-Suite. Determined to create a glide path for diversity and inclusion in executive leadership, Margaret launched The Employee to CEO Project, a global initiative aimed at increasing the representation of women, with specific emphasis on minority women, in C-Level leadership roles. Her bold mission is to empower ten-thousand women, over the next five years, into executive leadership and ultimately into the C-Suite.

Margaret has authored three books. Her latest book, Leadership Self-Transformation: 52 Career-Defining Questions Every High-Achieving Women Must Answer, challenges women to clarify their vision, pivot from expert to leader, and build the career they want. The opening chapter of her book asks women two simple questions, what do you want, and why don’t you have it now? 

Connect with Margaret Spence:

Twitter - @margaretspence

Instagram - @margaretspenceceo

Facebook - @margaretspenceceo

LinkedIn – www.Linkedin.com/in/margaretspence

Website – www.EmployeetoCEOProject.com

Latest Book:

Leadership Self-Transformation: 52 Career-Defining Questions Every High-Achieving Women Must Answer

This episode was brought to you by…..

Insurance Licensing Services of America (ILSA), America’s Premier Insurance Compliance and Licensing experts. To learn more about ILSA and its services, visit ILSAinc.com.

Connect, Learn, Share

Thank you for joining us on this week’s episode of Spot On Insurance. For more resources and episodes, visit SpotOnInsurance.com. Subscribe so you never miss an episode. Love what you’re learning, Spot Light your review on Apple Podcasts Rate and Review For SpotOn and share your favorite episodes with friends and colleagues!

Apple Podcasts Rate and Review for SpotOn

Evan Knox is the Founder and Chief Marketing Officer of Caffeine Marketing, a digital marketing agency that helps businesses build profitable marketing strategies. They have services and programs that can help clients get more leads, achieve better ROI, and have a bigger brand impact. Evan specializes in overall marketing strategy, social media marketing, sales funnel creation, SEO, and website design. Evan is also a Facebook Certified Buying Professional and a Facebook Certified Planning Professional.

Evan joins us to share a few business hacks when it comes to marketing and what sets Caffeine Marketing apart from their competition. He describes what it’s like to be part of a family of entrepreneurs and why he started Caffeine Marketing. He explains the importance of tracking marketing data, especially Facebook ads and the difference between brand marketing and direct marketing. He discusses why you should write your brand story as a guide instead of as ‘the hero’. Evan also shares how you can communicate your business knowledge and expertise to your customers.

"If you don't look at marketing like a science experiment, then you don't know which is a solution and which is not." - Evan Knox

Today on Spot On Insurance:

• Who Evan Knox is and how he got to where he is today.
• What it's like to be part of a family of entrepreneurs.
• Evan's faith and doing service as part of the Christian community.
• How Evan started Caffeine Marketing and what his initial goal was.
• Evan's advice to entrepreneurs in solving their brand awareness problem.
• The difference between brand marketing and direct marketing.
• Writing your brand story as the guide.
• What sets Caffeine Marketing apart from the competition.
• Monitoring the returns of investments from your social media ads.
• How to best communicate your expertise to those who aren't experts. 

Key Takeaways:

• Tracking your marketing data is a metric critical to the success of your business.
• Knowing the hardships of people all over the world can keep you grounded in life and in business.
• Solving your marketing problems requires a more scientific approach.

Resources Mentioned:

• Zapier
• Gusto
• Bench

Connect with Evan Knox:

• Evan Knox Official Website
• Caffeine Marketing
• Instagram
• [email protected]

This episode was brought to you by…..

Insurance Licensing Services of America (ILSA), America’s Premier Insurance Compliance and Licensing experts. To learn more about ILSA and their services, visit ILSAinc.com.

Connect, Learn, Share

Thank you for joining us on this week’s episode of Spot On Insurance. For more resources and episodes, visit SpotOnInsurance.com. Subscribe so you never miss an episode. Love what you’re learning, Spot Light your review on Apple Podcasts Rate and Review For SpotOn and share your favorite episodes with friends and colleagues!

Apple Podcasts Rate and Review for SpotOn

Today Spot on Insurance welcomes a team from KPMG. KPMG operates in 147 countries, employing more than 219,000 people, serving the needs of business, governments, public-sector agencies, not-for-profits, and through member firms' audit and assurance practices, the capital markets.

The first of our guests is Melanie Henderson. Melanie is a senior executive in the KPMG Corporate Strategy group focused on serving the Financial Services (FS) Insurance industry, with an emphasis on business transformation, customer-centric, and innovative growth strategies. She has worked with some of the largest banks and insurance companies to identify the best combination of business, technology, and solution partnerships to bring value to the market quickly.

The second is Jason Freund. Jason has over 25 years of experience serving the insurance sector and the broader financial services industry with a focus on internal and external auditing, governance, enterprise and process risk management, and process improvement. He currently is KPMG's US insurance internal audit service leader. Jason has led numerous strategic performance reviews of internal audit functions as Departments navigate the impact of changing regulatory expectations, evolving internal audit practices, and emerging trends in governance.

And The third is Andrew Peters. Andrew is the Internal Audit expert in the Insurance Industry.  Expertise in ITGC, SOX, ICFR, Automation, and Robotics. Meticulous budget Manager adept at financial modeling and Underwriting with a long track record of effective auditing and compliance management. He is also a distinguished graduate of the Toastmasters program committed to modeling exemplary leadership, writing, and communication skills.

Connect with Melanie Henderson:

https://www.linkedin.com/in/mhenderson3/

Connect with Jason Freund:

https://www.linkedin.com/in/jason-freund-a446a88/

Connect with Andrew Peters:

linkedin.com/in/andrew-dalzell-peters

This episode was brought to you by…..

Insurance Licensing Services of America (ILSA), America’s Premier Insurance Compliance and Licensing experts. To learn more about ILSA and their services, visit ILSAinc.com.

Connect, Learn, Share

Thank you for joining us on this week’s episode of Spot On Insurance. For more resources and episodes, visit SpotOnInsurance.com. Subscribe so you never miss an episode. Love what you’re learning, Spot Light your review on Apple Podcasts Rate and Review For SpotOn and share your favorite episodes with friends and colleagues!

Apple Podcasts Rate and Review for SpotOn

Mitch Doust is the Executive Vice President at Cover Genius, a global insurtech company that provides protection for customers of the world’s largest online businesses. As Executive Vice President, he oversees the growth of their products and the company’s expansion across Canada, North America, and Latin America. Before working with Cover Genius, Mitch was also part of another insurance company for over five years and was in charge of strategy management and innovation.

Mitch joins us to discuss his thoughts on the future of insurance distribution and how Cover Genius fits into that kind of world. He shares what it was like growing up in Australia and what made him pursue a career in insurance. He explains how insurtech companies can still innovate despite strict regulations and the areas the industry can still improve. He discusses what it was like in New York when the pandemic started and how it is today. Mitch also shares advice for those who want to have an established career in insurance.

"Technology will be at the heart of providing access to better risk protection." - Mitch Doust

Today on Spot On Insurance:

• Who Mitch Doust is and what it's like growing up in Australia.
• Mitch's experience in insurance, why he left, and why he returned.
• What the insurtech environment is like in Australia.
• Some of the challenges insurtechs face in any country.
• How the industry can leverage existing data to provide the right products that adapt with customers.
• How their platform works and how it gathers data for carriers.
• The difference between launching an insurance company decades ago to how it is today.
• Opportunities the industry can use to enhance product distribution.
• How technology can greatly influence the way we distribute insurance.
• Innovating systems and processes despite strict regulations.
• What it was like when the pandemic began in New York and how it is today.
• How newcomers in the industry can find success. 

Key Takeaways:

• Insurance companies have now shifted to building products for the customers and not the carriers.
• Risk management and insurance products today rely almost 100% on data.

Connect with Mitch Doust:

• Cover Genius
• LinkedIn

This episode was brought to you by…..

Insurance Licensing Services of America (ILSA), America’s Premier Insurance Compliance and Licensing experts. To learn more about ILSA and their services, visit ILSAinc.com.

Connect, Learn, Share

Thank you for joining us on this week’s episode of Spot On Insurance. For more resources and episodes, visit SpotOnInsurance.com. Subscribe so you never miss an episode. Love what you’re learning, Spot Light your review on Apple Podcasts Rate and Review For SpotOn and share your favorite episodes with friends and colleagues!

Apple Podcasts Rate and Review for SpotOn

Today, our guest is Nancy Settergren.  Nancy retired from Aon after a 27 year career with the organization where the last position she held was Senior Managing Director. 

She now serves two non profit organizations:  Peer Health Exchange and Fedcap. She joins us to discuss COVID-19, bias in the workplace, and mentoring champions.

Connect with Nancy Settergren:

linkedin.com/in/nancysettergren

Email

[email protected]

Websites:

https://www.peerhealthexchange.org

https://www.fedcap.org

This episode was brought to you by…..

Insurance Licensing Services of America (ILSA), America’s Premier Insurance Compliance and Licensing experts. To learn more about ILSA and their services, visit ILSAinc.com.

Connect, Learn, Share

Thank you for joining us on this week’s episode of Spot On Insurance. For more resources and episodes, visit SpotOnInsurance.com. Subscribe so you never miss an episode. Love what you’re learning, Spot Light your review on Apple Podcasts Rate and Review For SpotOn and share your favorite episodes with friends and colleagues!

Apple Podcasts Rate and Review for SpotOn

Patricia Renzi is the Principal and CEO of Milliman, a company that provides actuarial and related products and services. As a company, they work with different clients to improve healthcare systems, improve risk management, and innovate financial security. Patricia is an experienced insurance professional with skills dedicated to actuarial technology solutions. She has been with the company for over 20 years and has served on the firm’s board of directors from 2015 to 2018.

Patricia joins us to share why she decided to join the insurance industry and what led her to work with Milliman. She shares the company’s current focus and long-term goals, the different products and services they offer that set them apart from other actuarial consulting firms, and how digital technology plays a role in expanding actuary opportunities. She also discusses the points of interest that insurance companies need to address and shares tips and advice for those who want to become part of the industry.

"The most exciting thing about digital and insurance is the opportunity for us to bring insurance to the globe." - Patricia Renzi

Today on Spot On Insurance:

• A snapshot of Patricia's life before she joined the insurance industry.
• How Patricia overcame the tragedies she experienced growing up.
• What sets Milliman apart from the competition.
• The new technologies they deployed that make the work of actuaries easier.
• How they are managing user data and where it goes.
• Digital transformation and how it is a key for expanding actuary opportunities.
• Why Patricia is passionate about promoting diversity in organizations.
• Critical areas where many insurance companies need to pay attention to.
• Patricia's advice to someone who's just entering the industry.

Key Takeaways:

• Insurers talk to people twice: When they sell you a policy and during the worst day of people's lives.
• The more we know about a particular customer, the more we can advise them better on how insurance can help them at this stage of their life.

Connect with Patricia Renzi:

• Milliman
• Email: [email protected]

This episode was brought to you by…..

Insurance Licensing Services of America (ILSA), America’s Premier Insurance Compliance and Licensing experts. To learn more about ILSA and their services, visit ILSAinc.com.

Connect, Learn, Share

Thank you for joining us on this week’s episode of Spot On Insurance. For more resources and episodes, visit SpotOnInsurance.com. Subscribe so you never miss an episode. Love what you’re learning, Spot Light your review on Apple Podcasts Rate and Review For SpotOn and share your favorite episodes with friends and colleagues!

Apple Podcasts Rate and Review for SpotOn

Today’s Insurance Conversations in Black & White guest is Brett Fulmer.

Brett focuses on technology and startup projects related to insurance—  (InsurTechs), while still trying to understand and grow in the traditional side of the insurance business. He supports benefits clients at Blake Maxwell Insurance (maxwellagency.com) in Newport Beach CA by providing tools and technology not typically offered to small to mid-size employers.

Brett is the US Ambassador, handling Marketing, Compliance and Partnerships for FINAEO (Finaeo.com) a Toronto Canada based InsurTech, building the Amazon of Insurance for financial planners. 

Brett is an advisor for Juniper Labs, an open-source data machine learning Commercial Insurance Underwriter and a pet insurance startup out of Orange County, Breezy Pets LLC.

In his spare time he also runs a few networking groups: BrokerBrews.com and OCstartupHub.com.

Connect with Brett:

https://www.linkedin.com/in/brokerbrett/

https://twitter.com/Broker_Brett

My hub project / contact site:

https://brokerbrett.com/

Office (949) 358-7990

 [email protected]

This episode was brought to you by…..

Insurance Licensing Services of America (ILSA), America’s Premier Insurance Compliance and Licensing experts. To learn more about ILSA and their services, visit ILSAinc.com.

Connect, Learn, Share

Thank you for joining us on this week’s episode of Spot On Insurance. For more resources and episodes, visit SpotOnInsurance.com. Subscribe so you never miss an episode. Love what you’re learning, Spot Light your review on Apple Podcasts Rate and Review For SpotOn and share your favorite episodes with friends and colleagues!

Apple Podcasts Rate and Review for SpotOn

SOI174 - KIN for Homeowner’s Insurance: DIY or Concierge Service

Sean Harper is the Co-Founder of Kin Insurance, a company that aims to fix home insurance through the use of intuitive technology, world-class customer service, and affordable pricing. Their company is committed to serving homeowners who reside in catastrophe-prone areas and those deeply affected by climate change. Because of his background in Computer Science and Economics, Sean has efficiently integrated new technologies in an industry that prefers to do things ‘the old-fashioned way.’

Sean joins us today to share what Kin does, how their company is innovating the insurance space, and what they offer that other insurance companies don’t. He shares his experiences while attending college, how he became interested in programming, and what inspired him to start Kin. He discusses the new challenges the insurance industry will face post-COVID-19 and shares how he and his team coped during the quarantine. Sean also shares advice for those who are purchasing home insurance for the first time.

"People hate thinking about insurance, so we should do all that we can to get them thinking about it." - Sean Harper

Today on Spot On Insurance:

• Sean's life in college, his passion for programming, and when he began his career in insurance.
• Why Sean founded Kin and the insurance problems they can solve.
• Why starting an insurance company is easier than starting a bank.
• How the coronavirus pandemic affected their company and employees.
• The challenges of integrating tech into a non-tech industry.
• Why they don't trust user input data the same way they do objective data.
• The inspiration behind the name of their company.
• The services Kin can offer in times of catastrophes.
• Why more homeowners need to explore home insurance.
• Sean's tips for first-time home insurance buyers.

Key Takeaways:

• In catastrophes, people prefer text messages as a means of communication.
• Half of all flood losses happen in non-FEMA designated flood areas.
• People don't want to spend their time thinking about the composition of their building. They want to spend their time making sure they have the right coverage for their risk profile.

Resources:

• FEMA

Connect with Sean Harper:

• Kin Insurance
• Email: [email protected]

This episode was brought to you by…..

Insurance Licensing Services of America (ILSA), America’s Premier Insurance Compliance and Licensing experts. To learn more about ILSA and their services, visit ILSAinc.com.

Connect, Learn, Share

Thank you for joining us on this week’s episode of Spot On Insurance. For more resources and episodes, visit SpotOnInsurance.com. Subscribe so you never miss an episode. Love what you’re learning, Spot Light your review on Apple Podcasts Rate and Review For SpotOn and share your favorite episodes with friends and colleagues!