Retrospective Rating Workers Compensation Explained In Plain English

Retrospective Rating Workers Compensation Explained In Plain English

In this episode we break down retrospective rating in plain English. You'll learn the difference between guaranteed cost and loss-sensitive programs, how basic premium and loss funding work, the difference between incurred and paid-loss retros, when these programs make financial sense, and the hidden negotiation opportunities that many brokers overlook.

Commissions to Convictions: Learning My Lines - What Acting Taught Me About Sales (and Surviving Jail)

This episode breaks down the one sales skill nobody talks about — treating your job like a performance, not a con. From reading a room to holding a consistent character through three months in jail, this episode reframes "acting" as discipline, not deceit.

What Is a Maquiladora? Cross-Border Manufacturing Insurance

Your US insurance policy doesn't cover your "rented" Mexico plant — and the Mexican government made sure of it. This episode breaks down maquiladora structures, the locally admitted insurance requirement, and the one relationship every buyer needs on the ground before a claim.

Mr. Passive Income: What I Called My Key Man Life Insurance Referral Partner

Key Man Life Insurance is a simple product that arguably most organizations need to have, and yet, unless mandated by lenders it is often overlooked or not discussed. I turned this conversation with customers into frequent referral commissions while demonstrating the ability to think about risk in a broader context.

Commissions to Convictions: You Made a Choice, Not a Mistake

Standing in front of a judge before sentencing I was called out for something I didn't expect, talking about "choices" not "mistakes. Even if they both have consequences, there is a difference.