In Part 1 of this two-part episode, James talks with Aaron Farmer, Principal of Top Dog Pet Health Insurance, and President of California Flood Insurance. To learn more about California Flood Insurance, visit https://californiafloodinsurance.com/. Visit our website to join our email list, get the scoop on our LIVE coaching calls and never miss an episode: https://www.agencyfreedom.com Connect with Agency Freedom Podcast on Facebook at the Agency Freedom Podcast group: https://www.facebook.com/groups/agencyfreedom Email us at [email protected] with ideas, questions, complaints or your favorite grilling recipe. Episode Highlights: Aaron discusses how he got his start in the insurance industry and shares that he has a soft spot in his heart for farmers. (5:10) James discusses the benefits of an independent agency vs a captive agency. (8:08) Aaron shares that he had a bit of an advantage that most people don't have, and that is that he had gotten into the private flood game and used private flood to write homeowners. (13:56) Aaron believes that most agents nowadays are unconcerned about losses or the failure of a company. (21:18) Aaron explains why it is important for any agent, particularly younger agents, to consider becoming a business owner after they have chosen to stop working as an insurance agent. (25:12) Aaron mentions that one advantage of his farmer's contract was that he could put business outside of farmers if it didn't fit. (32:16) Aaron shares that he just re-entered the contracting market with a live company that does some very fascinating InsurTech-type things with life. (38:16) Aaron explains that life insurance has many challenging issues, but there are many resources and you can bring in experts, if needed. (42:54) Aaron discusses several technologically advanced and inventive projects he's working with. (43:42) Key Quotes: “I believe you can be successful. It doesn't matter, independent, captive, there are successful people everywhere.” - Aaron Farmer “I feel like it's our duty as agents, we should be talking to people about life insurance, it's important.” - Aaron Farmer “There are a lot of complex issues that could be solved with life insurance, but someone just needs to tell them. And someone needs to hold their hand. And there are a lot of resources. So you don't even have to be 100% expert, you can just bring the experts in, right?” - Aaron Farmer

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