The Insurance Guys Podcast

On this episode of the Insurance Guys Podcast, Scott Howell and Bradley Flowers welcome David Watson, partner at Mappus Insurance Agency and founder of Risk Advisor. The conversation starts with laughs about wild car stories, lost SD cards, and minivan mishaps. The discussion then moves to the core topic, which is bringing technology-driven efficiency to personal lines insurance. David shares the evolution of Risk Advisor, a digital intake and AI-powered underwriting platform that was built to streamline and standardize the quoting process for independent agencies. He explains how the platform helps agents quickly identify qualified carriers, avoid wasted time, and reduce errors. This, in turn, makes agency operations more consistent and data-driven.The hosts discuss software integration, data management, and the business model behind Risk Advisor, including pricing and the absence of long-term contracts. The episode also offers candid insights into industry frustrations, such as difficult data vendors, and ends with actionable advice for listeners who are looking to modernize their agencies.A must-listen for agents seeking practical tech solutions to boost profitability while keeping the fun in the business.

On this episode of the Insurance Guys Podcast, hosts Scott Howell and Bradley Flowers sit down with Jeff Wingate, President at Rate Insurance, for a deep dive into the realities of building a top 100 insurance agency through organic growth—not mergers and acquisitions. Jeff Wingate shares Rate’s journey from relying almost entirely on mortgage-generated leads to creating a scalable, tech-driven, virtual organization sourcing business nationwide. The conversation uncovers the advantages and challenges of proprietary technology, integrating APIs with carriers and mortgage partners, and the long runway of hiring and training licensed agents. The trio also gets candid about industry cycles, consumer patience, AI’s impact on agency operations, and cross-selling strategies for bundling auto and home. With honest discussions about setbacks and wins, this episode is packed with lessons for agency owners seeking to grow smart in a changing market.

On this episode of the Insurance Guys Podcast, Scott Howell and Bradley Flowers welcome master storyteller and branding expert Neal Foard. Drawing from decades of shaping global brands like Toyota and Budweiser, Neil Ford shares practical insights on how storytelling can transform an insurance business, elevate client relationships, and create long-lasting impressions. The conversation covers why human connection and authenticity matter more than ever in today’s AI- and automation-driven world, and how small gestures, like handwritten notes and genuine kindness, make brands stand out. Neal Foard also offers actionable storytelling techniques insurance professionals can implement immediately, and highlights his Storyfire course for those serious about perfecting this essential skill. The hosts and Neil Ford swap personal stories that illustrate the power of storytelling not just in sales but in everyday life. If you want to grow your agency, connect more deeply with clients, and communicate your value, this episode delivers inspiration and tactical advice.

On this episode of the Insurance Guys Podcast, Scott Howell and Jason Cass sit down with insurance industry OG podcaster Jason Cass for a lively discussion on technology, compliance, and agency growth. The conversation dives into practical tech solutions, novel ways to automate agency operations, and the importance of routing tasks to the right team member. Jason shares details about his free "logic routing engine" manual and the upcoming IndieTech conference in January, focused on agent-driven innovation and learning.The hosts also candidly debate the use and risks of AI and automation in insurance, sharing real examples and compliance caution. Scott Howell entertains with behind-the-scenes stories—including a surprise live tasting of his homemade Moon Creek Farms wine. This episode delivers a unique blend of actionable tech advice, compliance insights, and genuine camaraderie, making it a must-listen for insurance professionals looking to stay ahead in a rapidly changing industry.

In this insightful episode of the Insurance Guys Podcast, Scott Howell and Bradley Flowers welcome financial expert Carey Wallace to discuss the ever-evolving landscape of insurance agency M&A, valuations, and agency growth strategy. The hosts share some laughs and personal stories before diving into critical topics for agency owners, why understanding your agency’s financials and EBITDA is essential, whether or not you’re planning to sell. Carey Wallace explains how agency valuations are much more nuanced than simple revenue multiples, emphasizing the impact of risk factors, agency structure, and market timing. The conversation highlights why seeking professional advice is crucial before buying or selling an agency (and avoiding the ramen noodle diet that sometimes follows a badly structured deal). They also discuss the importance of culture fit in acquisitions and why emotional decision-making can be dangerous in business transactions. The episode wraps up with actionable advice for insurance agents: get clarity on your financials, seek outside guidance, and always think long-term when building value in your agency.