The Insurance Guys Podcast cover art

The Insurance Guys Podcast

The Insurance Guys Podcast

By: Scott Howell & Bradley Flowers
Listen for free

The Insurance Guys podcast is dedicated to agents by agents. Scott Howell and Bradley Flowers discuss all aspects of becoming an insurance agent and give real life examples of their experiences in all aspects of hiring, sales and the day-to-day reality of running your own successful insurance agency.©2017 The Insurance Guy Career Success Economics
Episodes
  • Underwriting The Gig Economy

    Underwriting The Gig Economy
    Jun 24 2026
    In this episode of The Insurance Guys, hosts Scott and Bradley kick things off with some lighthearted Southern banter about accents before welcoming Ryne Ring, Director of Gig Economy and Embedded Products at The Citadel, a program administrator specializing in embedded insurance solutions. The conversation explores the evolving role of AI in insurance, from its potential to cover emerging risks to cautionary tales of agents misusing the technology and losing contracts, while diving deep into embedded insurance models. Ryne shares insights on how these products integrate seamlessly into customer journeys, from popular travel insurance in Japan and innovative jewelry programs like BriteCo’s appraisal tools to master policies covering thousands of gig economy workers on platforms connecting independent contractors for tasks like cleaning or lawn care. The discussion highlights practical opportunities for agents to participate through custom programs for rental equipment, tenant liability, and more, emphasizing benefits like consistency, customization, and stronger client relationships rather than being sidelined. Personal stories add warmth, including Ryne’s college-era diner management adventure, chaotic first days in the industry, and a memorable recruiter lunch at Taco Bell, alongside reflections on the industry’s endless learning curve and the strategic use of AI in HR and hiring. The episode wraps with ways to connect with Ryne on LinkedIn and Twitter, offering valuable takeaways for insurance professionals navigating the gig economy and embedded opportunities.
    Show More Show Less
    42 mins
  • The Al Assistant That Never Sleeps: Transforming the Agency Management System

    The Al Assistant That Never Sleeps: Transforming the Agency Management System
    Jun 17 2026
    In this episode of The Insurance Guys Podcast, Scott Howell and Bradley Flowers welcome Michael Lebor and Kayden Stephens from Momentum AMP to discuss how artificial intelligence is transforming agency management systems. The conversation traces the evolution of Momentum from its early days as NowCerts through its development into a fully integrated, conversational platform designed to be keyboard free. Guests explore the inevitability of AI in insurance, its role as a superpower for agents, and practical applications such as natural language automation workflows and the advanced AI agent known as Momentum Claw. They also cover carrier adoption of AI, the acquisition of TrustedChoice.com for enhanced digital market access and referrals, and an open agnostic approach that integrates with any tool to benefit agents. The episode includes a live demonstration of an AI voice assistant handling complex policy questions in real time, offering actionable insights for professionals ready to embrace the future of insurance technology.
    Show More Show Less
    1 hr and 6 mins
  • The Greatest Challenges Facing High-Risk Insurance Markets and Agent Classification

    The Greatest Challenges Facing High-Risk Insurance Markets and Agent Classification
    Jun 10 2026
    In this episode of The Insurance Guys, Scott Howell and Bradley Flowers dive into the greatest challenges facing high-risk insurance markets and the complexities of agent classification. Scott kicks things off with a humorous take on insuring strip clubs under a fictional Death Machine Insurance agency built for high-hazard risks, sharing an insightful anecdote about the Las Vegas strip club business model where dancers pay a nightly door fee to work. The conversation then turns serious as Scott recounts his agency's frustrating experiences with 1099 independent contractors in the property and casualty space and why that model often falls short. Bradley breaks down the IRS guidelines for determining 1099 status through behavioral control, financial control, and the type of relationship, while Scott shares how his attempt to revise contractor terms resulted in an immediate departure. The hosts also critique a Vanderbilt University study alleging widespread insurance overcharging, voice concerns about potential federal interference in P&C insurance, and highlight the massive costs of carrier advertising. Responding to a listener question, they address the legal boundaries for using unlicensed virtual assistants in an agency and strongly recommend consulting the state's Department of Insurance or a compliance law firm to ensure full clarity and avoid regulatory pitfalls.
    Show More Show Less
    30 mins
adbl_web_anon_alc_button_suppression_t1
No reviews yet