This week’s episode is about the importance of having conversations and seeking guidance regarding insurance matters, particularly for seniors and their families. Daniel Conner from Conner Insurance Group, an independent insurance agency based in Salt Lake, Michigan, is here with us today to share his valuable insights about the significance of understanding various insurance options and policies, such as homeowners insurance, auto insurance, umbrella policies, flood insurance, and personal injury protection. We will discuss the things you need to know to navigate the complexities of insurance coverage, the value of working with an independent insurance group that can provide personalized assistance, and the need for proactive discussions, early planning, and being informed to make sound decisions that align with individual needs and circumstances.

“Absolutely. It's a tough conversation to have. Everyone in their own bulletin, a lot of people saying I'll never get an auto accident, I'll never be catastrophically injured. You're really having conversations that are going to shape people's lives if something negative happens. They say, I have Medicare, you know, we present the options bill to them, we lay out what they'd be giving up and make sure that you can make whatever decision you want. But I want you to be informed. So you're making the decision with open eyes.”

• Daniel Conner

Highlights of the episode:

• The two models of insurance: Captive Insurance vs Independent Insurance Agency

• Advice for seniors and families. Understanding how homeowners insurance works in the transition phase.

• What is an umbrella policy and how does it work? Different factors to consider with health insurance.

• Flood insurance and auto insurance. The national flood insurance program is renewed.

• How do you know if you need insurance? 

• Deciding what to do when you’re on a fixed income. Difficult choices families face when downsizing or downsizing. Unlimited coverage vs medicare.

• Talking to people who have done this before. Talking to someone with experience is a game-changer.

• The importance of understanding insurance policies. The importance of insurance for family members.

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