Latest / Reality with The King / Vicki Gunvalson Breaks Down Wendy’s Insurance Fraud Case and RHOC Season 20

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Vicki Gunvalson Breaks Down Wendy’s Insurance Fraud Case and RHOC Season 20 · Reality with The King

• 0:03
  Speaker 1: Reality with the King is hosted by me, Carlos King.
• 0:07
  Speaker 2: I'm an executive producer who have produced some of your
• 0:10
  Speaker 2: favorite shows from the Real Housewives in Atlanta, New Jersey
• 0:13
  Speaker 2: and my own creation, The Love and Marriage Franchise and
• 0:17
  Speaker 2: Bell Collective. Every episode we recap reality television from the
• 0:23
  Speaker 2: Real Housewives Franchise to The Bachelor or Selling Sunset, in
• 0:27
  Speaker 2: addition to celebrity guests, whether in the unscripted space or
• 0:31
  Speaker 2: scripted as well.
• 0:35
  Speaker 1: All right, ray Jaws. Before we get in to this
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  Speaker 1: episode with.
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  Speaker 3: Vicky, Gova said breaking down exactly what insurance fraud is,
• 0:44
  Speaker 3: I want to warn you that Vicki is a working woman.
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  Speaker 3: So if you hear Eddy Ding's bell's and whistles, it's
• 0:52
  Speaker 3: because the og of the OLC was in the middle
• 0:55
  Speaker 3: of a work day and she is busy as can be.
• 1:00
  Speaker 3: Exkews the beings, the bells and the modifications and get
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  Speaker 3: into this amazing episode with Vicky.
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  Speaker 1: Go on today's episode of Reality with the King. Listen.
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  Speaker 2: It's not every day that I am in the presidence
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  Speaker 2: of Royalty.
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  Speaker 4: Oh God, my crown's a little crooked.
• 1:21
  Speaker 1: How's up?
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  Speaker 5: Oh honey, I'm here to Celtic back front and Center
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  Speaker 5: because I don't know if you know this, Vicky Goblesin,
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  Speaker 5: but when I started my podcast in twenty twenty two,
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  Speaker 5: my first episode, well my second episode was the top
• 1:40
  Speaker 5: ten greatest Housewives of all time.
• 1:42
  Speaker 2: And Vicky Gobalsant, you were on the list, honey, my
• 1:45
  Speaker 2: top five. You are also Vicky Goblesan on Carlos King's
• 1:51
  Speaker 2: Mouth rushmore of the greatest.
• 1:53
  Speaker 1: Housewives in the history of the franchise. You are a legend,
• 1:59
  Speaker 1: and you have no idea that ever since I.
• 2:04
  Speaker 2: Started my podcast, I've been wanting to talk to you,
• 2:08
  Speaker 2: and I feel like today it's a great time just
• 2:11
  Speaker 2: to really say I've obsessed, I love you, and I
• 2:16
  Speaker 2: figure the greatest thing to ever happen to the franchise.
• 2:18
  Speaker 1: So there we go.
• 2:19
  Speaker 4: That was awesome. I appreciate you, I really do, because
• 2:22
  Speaker 4: you know it's you're only as good as the last episode.
• 2:25
  Speaker 4: I used to care when I used to say that
• 2:27
  Speaker 4: we're only as good as the last episode of the
• 2:28
  Speaker 4: last season. But it was an incredible journey. I enjoyed it.
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  Speaker 4: You know, it was on full time I think fourteen
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  Speaker 4: or fifteen years, and then part time spriggled in this
• 2:39
  Speaker 4: last season. I wasn't on and all, which kind of
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  Speaker 4: made me sad. But you know, I watched it with
• 2:45
  Speaker 4: one eye open and when I close, going what's going
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  Speaker 4: on with this franchise? Why is everybody so angry with
• 2:50
  Speaker 4: each other? So, you know, it really really is interesting
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  Speaker 4: to see how it all evolved after it, you know,
• 3:00
  Speaker 4: so many years being on. So anyway, we're where we
• 3:04
  Speaker 4: are for a reason. You know, we're heading into the
• 3:07
  Speaker 4: twentieth year. I'll be at Bravocan this year, which I'm
• 3:10
  Speaker 4: excited about, and you know, just trying to live my
• 3:14
  Speaker 4: life to the fullest. I told you that we bought
• 3:17
  Speaker 4: a house. Michael and I bought a house in Lakina
• 3:21
  Speaker 4: and we went out to the Nest last night, which
• 3:23
  Speaker 4: is this boldie but goodie. All the people that are
• 3:26
  Speaker 4: over sixty go there, and it was like I was
• 3:30
  Speaker 4: inundated with fans. I was forty when you know when
• 3:35
  Speaker 4: when I started watching you, and now I'm sixty, I'm like, okay,
• 3:38
  Speaker 4: that's me too. So it's fun. It's fun to see
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  Speaker 4: the people, and you know, the loyal fans that really
• 3:46
  Speaker 4: just like you, like you've watched me evolve and grow,
• 3:50
  Speaker 4: my kids grow up, and my daughter's got four kids
• 3:53
  Speaker 4: now and my son lives in Spain, still selling insurance
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  Speaker 4: for me remotely, and I'm in a committed relationship again,
• 4:00
  Speaker 4: so let's hope it doesn't go. Oh yeah, we're four
• 4:05
  Speaker 4: years now almost. In January, Kelly Dad introduced us.
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  Speaker 1: What happend that happened? Bigby who?
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  Speaker 4: Well, after Steve cheated on me. I was like, I'm done.
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  Speaker 4: You know, I don't trust men, I don't trust anything.
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  Speaker 4: I'm good by myself. And then I thought one night,
• 4:20
  Speaker 4: you know, because that's a little good therapy, right, you're sacrificing,
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  Speaker 4: You're you're giving up things that are really important to you.
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  Speaker 4: So she's like, write a list of what you what's
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  Speaker 4: important to you. So I started my list and it
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  Speaker 4: got to eighteen things, and Kelly called me and she's like,
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  Speaker 4: I want you to meet somebody. I'm like, I'm not
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  Speaker 4: dating again. I just I'm good with my girlfriends, I'm
• 4:42
  Speaker 4: good with my work, I'm good with my family. She's no,
• 4:44
  Speaker 4: I think you'd be good. I said, is he from California?
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  Speaker 4: And she's like, no, he's from Texas. I said, okay,
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  Speaker 4: I don't want to meet anybody from California because they
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  Speaker 4: all just get divorced and cheat and lie. And I'm
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  Speaker 4: saying that as a broad stroke. You know, most of
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  Speaker 4: my friends that are single have not had good experience.
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  Speaker 4: So I'm from Chicago. You're staying married for forever. You
• 5:04
  Speaker 4: go through the bumps in life, you don't bail out.
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  Speaker 4: I bailed out once I got to California. I shouldn't have.
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  Speaker 4: And so she introduced me to him. I'm like, Okay,
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  Speaker 4: it's okay, you know, and I'm like, where are you from.
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  Speaker 4: It's like Texas. I go, okay, that works. And then
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  Speaker 4: it was here's my eighteen things of what I want
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  Speaker 4: a man. Do you fit him? He goes, we're only
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  Speaker 4: on our first date. It's not even really a date.
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  Speaker 4: And Rick, so he had all of them but one,
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  Speaker 4: and the one was he didn't have a boat. I'm like,
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  Speaker 4: don't worry about it. Fun get the boat. Here we are.
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  Speaker 4: I'm like, well, the closure, this is what I need
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  Speaker 4: in a man. No cheating, the line. You have to
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  Speaker 4: be self sufficient, you have to own your own business.
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  Speaker 4: So here we are.
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  Speaker 1: Well. Look.
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  Speaker 2: One thing that I have read recently is mel Robbins.
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  Speaker 1: You can heard of her, you know.
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  Speaker 2: She said that if you are lucky in enough to
• 6:00
  Speaker 2: find a partner that has eighty percent of what you want.
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  Speaker 2: You have hit the jackpot, so, VICKI I think you
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  Speaker 2: hit the jock pass to start.
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  Speaker 4: Well, I think so, you know, I'm very cautious still
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  Speaker 4: after almost four years, I don't know. People get married.
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  Speaker 4: So Kelly got married after a year, and Chamor got
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  Speaker 4: married after a year, and then like, I don't need
• 6:22
  Speaker 4: to be married to be in a committed relationship, but
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  Speaker 4: I'm a marriage person, Like, ah, my friends are married
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  Speaker 4: and my family's all married. I just never want to
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  Speaker 4: be divorced again. It sucks.
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  Speaker 2: So yeah, anyway, yeah, well listen before we get to
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  Speaker 2: today's topic, I do want to ask you this you
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  Speaker 2: said earlier.
• 6:39
  Speaker 1: How season twenty of the show you.
• 6:43
  Speaker 2: Helped build Vicky Govison is approaching and everybody and their
• 6:49
  Speaker 2: mother is assuming that Vicky Govison will at least return
• 6:54
  Speaker 2: for the twentieth season.
• 6:56
  Speaker 1: Of the Real House of washing Wors County.
• 6:58
  Speaker 2: Is that something you have haven't been approached yet or
• 7:03
  Speaker 2: interested in?
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  Speaker 4: Well, I've been approached by Tamra. She's like, we need
• 7:08
  Speaker 4: you back. I'm like, hold on, girl, you're not Bravo.
• 7:11
  Speaker 4: Stay in your lane. No, Bravo has not reached out
• 7:14
  Speaker 4: to me. And they're the mother of the ship. I
• 7:17
  Speaker 4: mean they drive the ship. So if they want me
• 7:20
  Speaker 4: back for good TV, quality TV, inspirational messages showing what
• 7:25
  Speaker 4: it's like to be a working business woman and building
• 7:28
  Speaker 4: real estate empires and being kind to one another, then
• 7:32
  Speaker 4: I'll come back. But if they want me throwing wine
• 7:34
  Speaker 4: glasses in somebody's space and calling people to see you
• 7:37
  Speaker 4: and see what does it see you next Tuesday? I
• 7:40
  Speaker 4: don't do that. So I have four grandchildren eyes around
• 7:45
  Speaker 4: me to be a role model. I don't need the money.
• 7:49
  Speaker 4: Although I would love the money, I don't need it.
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  Speaker 4: I mean they're making big numbers now, you know, Tamar
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  Speaker 4: and I were in the seven figures when I left,
• 7:59
  Speaker 4: so and that's but it's a hard life, you know.
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  Speaker 4: I think relationships get challenged. My boyfriend wants nothing to
• 8:10
  Speaker 4: do with it. He's very he looks at it as
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  Speaker 4: a very toxic He's like, you're selling your soul the devil,
• 8:15
  Speaker 4: and well, if you keep if you keep that in
• 8:18
  Speaker 4: mind it's just TV, then you're not selling your soul.
• 8:21
  Speaker 4: If it's real life that are infiltrating into your personal life.
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  Speaker 4: Now we're selling our soul the devil. So I'm pretty
• 8:29
  Speaker 4: good about keeping in that lane of I'm only as
• 8:32
  Speaker 4: good as my last episode or how I film. I
• 8:35
  Speaker 4: don't entertain chaos in my personal life, my business life,
• 8:39
  Speaker 4: my friendships. I just I can't do it anymore. I
• 8:42
  Speaker 4: did it for as long as I could. But I
• 8:45
  Speaker 4: don't feel healthy with toxic people in my life. And
• 8:49
  Speaker 4: as you grow older, you've got to keep that crap out,
• 8:52
  Speaker 4: you know, or it eats that you.
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  Speaker 1: Yeah, yeah, now look good.
• 8:57
  Speaker 2: But you, I will say to this because you look amazing.
• 8:59
  Speaker 2: It's that to love take his full and.
• 9:04
  Speaker 1: Dump.
• 9:04
  Speaker 4: I said, you're draining my love take. He's like, stop
• 9:06
  Speaker 4: with your love take. Michael's got he said, your two handfuls.
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  Speaker 4: I'm like, no, not, I got this.
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  Speaker 2: You know how Let's say you're you're you're a bass
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  Speaker 2: and and like you said, you definitely got this. So
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  Speaker 2: Rain Bobs, I wanted Vicky and I to tape an
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  Speaker 2: episode today because, as we all know, in the Bravo Land,
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  Speaker 2: doctor Wendy and her husband Eddie Osepho are being accused
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  Speaker 2: of insurance fraud.
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  Speaker 1: And what I want my audience to do right now is.
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  Speaker 2: To listen to an expert in the field so that
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  Speaker 2: we all can received a masterclass from Vicky Gombison when
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  Speaker 2: it comes to the deuce and deult of insurance, because
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  Speaker 2: there's a couple of things that these two are being
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  Speaker 2: accused of that I wanted to talk to Vicky about.
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  Speaker 1: So listen, rain Drops.
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  Speaker 2: As you know, vick and Gobison is the founder of
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  Speaker 2: Culture Insurance. She has been in the business for over
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  Speaker 2: thirty four years and clouting with over sixteen thousand clients
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  Speaker 2: in her tenure in the business, and as we all
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  Speaker 2: know for Wonderful Sung Michael is a part of the
• 10:21
  Speaker 2: business as well, so she gets creating a family business.
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  Speaker 2: And who better yet to talk to about this topic
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  Speaker 2: than Vickie.
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  Speaker 4: Yeah, I'm very emotionally responsible and connected to this because
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  Speaker 4: you know, we all pay premiums on either our health
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  Speaker 4: insurance or our jewelry insurance or our home insurance. Life
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  Speaker 4: insurance is one of our specialties. And when you look
• 10:50
  Speaker 4: at somebody taking advantage of an insurance policy collecting on it,
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  Speaker 4: when we're all absorbing the cost of our premiums rising,
• 10:59
  Speaker 4: you know, just like the Ala fires. You know, people
• 11:02
  Speaker 4: are still trying to collect on that. But when we
• 11:03
  Speaker 4: get down to jewelry insurance. She had to itemize all
• 11:06
  Speaker 4: those pieces, her rings or jewelry purses, whatever it was.
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  Speaker 4: So you literally have to itemize because your home owners
• 11:13
  Speaker 4: insurance will collect maybe five thousand dollars let's just say
• 11:17
  Speaker 4: as a finder on that.
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  Speaker 1: But when you.
• 11:19
  Speaker 4: Itemize your jewelry, you pay a premium for that. And
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  Speaker 4: when you take advantage of that policy and lie supposedly
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  Speaker 4: and collect a pretty large dollar amount from that itemization,
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  Speaker 4: it's very clear if she did wear the ring that
• 11:36
  Speaker 4: she said that was, you know, stolen. That's fraud, just
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  Speaker 4: like if we don't pay our taxes, it's fraud. You know,
• 11:44
  Speaker 4: you're going to pay for it some way. You're gonna
• 11:46
  Speaker 4: go to jail, you're gonna have precisions of paying back.
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  Speaker 4: But you know, I played by the book I have always,
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  Speaker 4: and I tell my clients, you know you're itemizing this
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  Speaker 4: or you're insuring your home for X amount of dollars.
• 11:59
  Speaker 4: A lot of people are under insured on their homes
• 12:02
  Speaker 4: right now because the premiums have gone up so hard,
• 12:04
  Speaker 4: and then when the fire happens or a flood happens,
• 12:07
  Speaker 4: then they're blaming the insurance company they didn't cover it.
• 12:09
  Speaker 4: Like you lowered your your benefits and you increase your
• 12:14
  Speaker 4: deductible to save money on the premiums, and now you've
• 12:16
  Speaker 4: got to be again, we're innocent until proven guilty. It
• 12:20
  Speaker 4: doesn't look good for them. It just doesn't when you're prosecuted.
• 12:23
  Speaker 4: I don't know a year later on a claim that
• 12:26
  Speaker 4: you filed. There's been behind the scenes investigations to get
• 12:31
  Speaker 4: to this place. So shame on them if they did,
• 12:33
  Speaker 4: because we're all paying the premiums for people that are
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  Speaker 4: not ethical.
• 12:39
  Speaker 2: This is reality with the King, and I'm Carlos King.
• 12:42
  Speaker 1: Let's get back into the show.
• 12:46
  Speaker 2: Talk to me about this. You said something that I
• 12:48
  Speaker 2: definitely want to get into. You mentioned how yes, in
• 12:52
  Speaker 2: twenty twenty four, Theoseseephos.
• 12:54
  Speaker 1: Said their house burglar rise.
• 12:57
  Speaker 2: And because of that they file three playbout claims from
• 13:01
  Speaker 2: three different insurance companies. So before I can do what
• 13:05
  Speaker 2: happened a here later, I do want to ask you
• 13:07
  Speaker 2: this because this was confusing thinking to a lot of
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  Speaker 2: us due to.
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  Speaker 1: The burglary that arose.
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  Speaker 2: Allegedly, they have home site insurance, Jeweler's Mutual insurance, and
• 13:20
  Speaker 2: Travelers Insurance.
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  Speaker 1: Before I came to the detail with a house gin burglarise.
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  Speaker 2: Is it typical to go through three different insurance companies
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  Speaker 2: for fifty seven items that were allegedly stolen?
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  Speaker 4: Well, fifty seven items is a lot. You can't memorize
• 13:40
  Speaker 4: all fifty seven. So obviously she had them itemized. And
• 13:44
  Speaker 4: I have Jeweler's Mutual for my jewelry from my diamond rings,
• 13:47
  Speaker 4: for my diamond earrings and things like that. But obviously
• 13:50
  Speaker 4: it's not fifty seven. I got like four items. She's
• 13:52
  Speaker 4: play a big premium on that. Now Travelers might have
• 13:55
  Speaker 4: been her homeowner's insurance, so then she has a jewelry claim,
• 13:59
  Speaker 4: a home home owners claim, and then what was the
• 14:01
  Speaker 4: third one? So Travelers Jewelers Mutual, and what was the
• 14:06
  Speaker 4: third one? Okay, so she's got maybe laddered the coverages
• 14:12
  Speaker 4: for if and when a burglary happens. Most people, as
• 14:18
  Speaker 4: a broadstroke, have jewelry insurance itemized and then their homeowners insurance,
• 14:22
  Speaker 4: and homeowners insurance typically does not cover jewelry up to
• 14:26
  Speaker 4: maybe a cap of five thousand dollars, so she had
• 14:28
  Speaker 4: to itemize if she had that many items. I don't
• 14:31
  Speaker 4: really understand how she can collect on all three because
• 14:35
  Speaker 4: typically it's a policy that Oh you're claiming on that,
• 14:39
  Speaker 4: so we're not going to cover on this. So there's
• 14:42
  Speaker 4: a lot of funny stuff going on there. I'm not
• 14:44
  Speaker 4: in claims. I write policies, and when I write the policies,
• 14:48
  Speaker 4: obviously we very much disclose. If you lied, sheet steal
• 14:52
  Speaker 4: and make a claim that's not ethical, it is fraud
• 14:54
  Speaker 4: and you will be punished by jail for resending pain
• 14:59
  Speaker 4: back to the claim. Just like if you crash your car
• 15:02
  Speaker 4: into a wall and you said some miss you, it's
• 15:06
  Speaker 4: it's illegal. So you have to do things ethically. And
• 15:10
  Speaker 4: in my business, I'm part of the National Ethics Bureau,
• 15:13
  Speaker 4: I'm licensed by the Department of Insurance. We have an
• 15:16
  Speaker 4: oath of conduct as an agent as a professional business owner,
• 15:21
  Speaker 4: and I teach and tell my clients this is this
• 15:25
  Speaker 4: is a policy that's there when you need it. It's
• 15:28
  Speaker 4: not there to take advantage of. So, you know, she
• 15:33
  Speaker 4: maybe she thought she got away with it. I don't know.
• 15:35
  Speaker 4: Allegedly is a big word, but it doesn't look good
• 15:38
  Speaker 4: for them, right.
• 15:41
  Speaker 2: Well, that's that's what people are saying because what you
• 15:44
  Speaker 2: said earlier is, well, we'll talk about when someone files
• 15:49
  Speaker 2: an insurance claim, the fact.
• 15:52
  Speaker 1: That a year later, we now know that they were
• 15:56
  Speaker 1: prosecuted for these a less prize.
• 16:01
  Speaker 2: The police said that there's fighting senses on pair of
• 16:04
  Speaker 2: prison course went up when they assessed the home that
• 16:08
  Speaker 2: was allegedly burglarized and they felt like going through the
• 16:11
  Speaker 2: second floor of the home didn't seem realistic.
• 16:17
  Speaker 1: They found no debris from.
• 16:19
  Speaker 2: The alligure robbers in the house and because of that,
• 16:23
  Speaker 2: they've also said that based on insurance and I want
• 16:27
  Speaker 2: to make sure I get this accurate. Travelers Insurance NICKY
• 16:31
  Speaker 2: paid them over twenty five thousand dollars, including four thousand
• 16:35
  Speaker 2: and five hundred for a diamond anniversary bring, but questions
• 16:40
  Speaker 2: to a rose as investigators and insurers noticed red flags
• 16:46
  Speaker 2: the lack of force, entrigue, security systems showing no disturbances,
• 16:50
  Speaker 2: and returned luxury items that were later listed as stolen.
• 16:55
  Speaker 1: Jeweler's Neutral and Home.
• 16:57
  Speaker 2: Site also received claims and homes I ultimately denied theirs
• 17:02
  Speaker 2: after inconsistencies were recovered.
• 17:07
  Speaker 1: When some files for.
• 17:08
  Speaker 2: An insurance claim and a year later they're prosecuted, how
• 17:15
  Speaker 2: much work does the insurance company go into discovering if
• 17:19
  Speaker 2: this claim is accurate?
• 17:22
  Speaker 4: A lot of work? How much did they totally pay out.
• 17:25
  Speaker 4: I thought it was over four hundred thousand combined.
• 17:28
  Speaker 1: So that was the thing.
• 17:29
  Speaker 2: Closide insurance, the maximum policy was four hundred and I
• 17:34
  Speaker 2: believe twenty three thousand dollars.
• 17:37
  Speaker 1: They said that allegedly the husband sent an email to his.
• 17:42
  Speaker 2: Wife Wendy, saying, add more items so that we can
• 17:45
  Speaker 2: reach the maximum policy, which was allegedly awesomely paid off paid.
• 17:52
  Speaker 4: Yeah, that's guilt right there. Insurance company used to have
• 17:56
  Speaker 4: to go through just like a murder or you know,
• 17:58
  Speaker 4: something like that. They want to know what they're up
• 18:00
  Speaker 4: against to prosecute. They obviously have done their homework and
• 18:06
  Speaker 4: I but she wouldn't. She sends a email like what
• 18:14
  Speaker 4: was stolen? Is it over forty items stolen? She itemized
• 18:20
  Speaker 4: all those So I don't know. It just doesn't look good.
• 18:25
  Speaker 1: It doesn't look good.
• 18:26
  Speaker 4: Is it just abnormal for the housewife or is it
• 18:29
  Speaker 4: just the world we're in? I don't know.
• 18:32
  Speaker 1: Well, I want to ask you this, there's a lot
• 18:34
  Speaker 1: of housewives who are in big trouble. When it comes
• 18:37
  Speaker 1: to a lesser crimes that are being committed. You are
• 18:41
  Speaker 1: the og w olc.
• 18:43
  Speaker 2: There will be no real housewives franchise because it wasn't
• 18:46
  Speaker 2: for the work you did since season one, and you've
• 18:49
  Speaker 2: been on this show, like you said, for fifteen seasons.
• 18:52
  Speaker 1: I want to ask you this because there's no better
• 18:53
  Speaker 1: person to ask this question too. Is it difficult for
• 18:59
  Speaker 1: a real house.
• 19:00
  Speaker 2: By today, in today's time, with social media and everything else,
• 19:06
  Speaker 2: to sort of keep up with the Joneses and portray
• 19:10
  Speaker 2: a lifestyle that they can't afford.
• 19:13
  Speaker 4: I mean we can see it across the board every
• 19:16
  Speaker 4: franchise everything. You know, we've got people renting houses because
• 19:20
  Speaker 4: they don't manage their money. I've never rented in my life,
• 19:24
  Speaker 4: not that renting is bad, but you've got to have
• 19:26
  Speaker 4: a goal in mind to start getting equity in California,
• 19:30
  Speaker 4: are equity in our homes is our everything? And you know,
• 19:34
  Speaker 4: living beyond your means is also a huge thing. The clothing,
• 19:37
  Speaker 4: the jewelry, the cars, the you know, facade. It's just
• 19:42
  Speaker 4: to me, it's like, what are you doing? And I
• 19:46
  Speaker 4: think Bravo feeds into it. Love you Bravo, but it's
• 19:50
  Speaker 4: one franchise is doing this and then the other one has.
• 19:52
  Speaker 4: Oh I have to be better than her, I have
• 19:53
  Speaker 4: to look better than her. I mean here's a perfect example.
• 19:56
  Speaker 4: Miami housewives are perfectly beautifully groomed women, gorgeous clothes, but
• 20:02
  Speaker 4: I think they can afford it. I don't know they're
• 20:04
  Speaker 4: net worth, but you can tell the lifestyle they have
• 20:08
  Speaker 4: in the class of ladies and their friends. And then
• 20:11
  Speaker 4: you go to some of the other franchises, it's like,
• 20:13
  Speaker 4: what is she wearing and why is she saying that
• 20:16
  Speaker 4: when we know she's in financial problems she owns the
• 20:18
  Speaker 4: irs or it just I go crazy with it because
• 20:23
  Speaker 4: I pay fifty percent of my income is in taxes,
• 20:26
  Speaker 4: thirty eight percent federal and another twelve percent state, and
• 20:31
  Speaker 4: those taxes are paid before I do anything, because it's
• 20:33
  Speaker 4: not my money. And I see some of the women
• 20:36
  Speaker 4: on my cast have snowballed and oh, I'll pay the
• 20:39
  Speaker 4: taxes from last year when I get my next year's contract.
• 20:42
  Speaker 4: That's crazy shit. And then you got penalties and interest
• 20:45
  Speaker 4: in all this stuff. So I do my very best
• 20:47
  Speaker 4: in educating every cast member that comes on to get
• 20:49
  Speaker 4: my Excel spreadsheet. And by the way, when you get
• 20:51
  Speaker 4: paid that X amount of dollars you pay federal and
• 20:53
  Speaker 4: state and then you carry on with whatever's net because
• 20:57
  Speaker 4: you get paid as at ten to ninety nine don't
• 21:00
  Speaker 4: get paid as a W two, So there's no.
• 21:02
  Speaker 1: Chan explained that not to interrupt you, but explained to
• 21:05
  Speaker 1: the audience. I mean, I know that. He explained to
• 21:06
  Speaker 1: me how a lot of reality.
• 21:08
  Speaker 2: Stars of public biggures get paid ten ninety nine and
• 21:12
  Speaker 2: two and what.
• 21:12
  Speaker 1: The difference is. Right.
• 21:14
  Speaker 4: So let's say, for instance, I got to check for
• 21:16
  Speaker 4: fifty thousand dollars for Bravo. I will immediately pay twenty
• 21:19
  Speaker 4: five thousand. Now I put it towards the federal in
• 21:23
  Speaker 4: state and then I met twenty five. But in a
• 21:26
  Speaker 4: paycheck scenario, they would already take out the federal in state.
• 21:30
  Speaker 4: You have to be responsible enough to do that yourself.
• 21:33
  Speaker 4: So I don't wait for quarterly payments. I don't wait
• 21:35
  Speaker 4: till the end of the year. I do it the
• 21:37
  Speaker 4: day I get paid, because it's not my money. And
• 21:39
  Speaker 4: so teaching some of the other cast members, it's like, okay,
• 21:43
  Speaker 4: stop with yourself. You are not suspend the paycheck. It's
• 21:46
  Speaker 4: not yours. Half of it goes away. So but my
• 21:50
  Speaker 4: CPA says, Vicky, you're just too responsible and you don't
• 21:54
  Speaker 4: let a day go bias it because I don't want
• 21:55
  Speaker 4: to spend the money and that's not mine. And so
• 21:57
  Speaker 4: she's like, okay, you're one of the old the ones.
• 22:00
  Speaker 4: Usually they paid quarterly, I said, then they got penalties
• 22:02
  Speaker 4: and interest. I'm not doing it. So we already pay
• 22:06
  Speaker 4: enough in taxes. I don't need to pay them anymore.
• 22:11
  Speaker 2: Do you do you personally talk to reality stars about
• 22:16
  Speaker 2: this sort of the ways of being financially secure, because
• 22:20
  Speaker 2: you're really big on being a working woman.
• 22:22
  Speaker 1: You're really big on not depending on a man. You're
• 22:26
  Speaker 1: really big on beyond your means.
• 22:28
  Speaker 2: Do you take a personal interest in tell some of
• 22:30
  Speaker 2: your former castmates, some of the girls on the show,
• 22:33
  Speaker 2: other housewives, how to do it properly.
• 22:35
  Speaker 4: I do, but they don't listen.
• 22:39
  Speaker 1: They don't.
• 22:39
  Speaker 4: They don't listen. It drives me crazy, it does. It
• 22:43
  Speaker 4: drives me crazy, especially in my cast. I don't go
• 22:45
  Speaker 4: over to Miami and say, oh, by the way, did
• 22:46
  Speaker 4: you pay your federals? Don't do that. But my cast,
• 22:49
  Speaker 4: if they'll listen to me, they'll never be in trouble.
• 22:53
  Speaker 4: So there we go.
• 22:56
  Speaker 1: There you go.
• 22:58
  Speaker 2: One of the things that yourself was a a Vickie
• 23:00
  Speaker 2: that I really want to drill down into is the
• 23:03
  Speaker 2: allegation of double dipping, so allegedly the diamond ring they
• 23:11
  Speaker 2: first called the claim to home Site Insurance, who denied it.
• 23:16
  Speaker 2: I'm sorry, home Side Insurance, who paid them twenty five
• 23:21
  Speaker 2: eighty dollars for that. Then that same ring, they tried
• 23:25
  Speaker 2: to get the money from Jeweler's Mutual Insurance without informing
• 23:30
  Speaker 2: them that they were already paid out allegedly from home Site.
• 23:35
  Speaker 1: Is that illegal?
• 23:39
  Speaker 4: Illegal as illegal? Can't do that. First of all, the
• 23:43
  Speaker 4: fact that Homesite andrelus Virtual allowed the same jewelry to
• 23:49
  Speaker 4: be itemized on each on each policy, one should have disclosed.
• 23:58
  Speaker 4: Let's say I put my help myself in here, I
• 24:00
  Speaker 4: have Jueler's Mutual and I have you know, John Hancock
• 24:04
  Speaker 4: for my homeowners, and let's say I itemize them both.
• 24:07
  Speaker 4: You should, as a responsible human, disclose to one of
• 24:12
  Speaker 4: them that, oh, by the way, this is all itemized
• 24:14
  Speaker 4: over there, but it's not over here. You can't double dip.
• 24:17
  Speaker 4: I mean, insurance companies are one of the richest entities
• 24:20
  Speaker 4: in the world, and people think, oh, I've paid these
• 24:22
  Speaker 4: premiums for this money years and I'm just going to
• 24:24
  Speaker 4: double dip. You can't do that. It's illegal. So very
• 24:30
  Speaker 4: you know if it's easy money, it typically is illegal. Sorry,
• 24:35
  Speaker 4: I may have said something wrong, but nothing in life
• 24:39
  Speaker 4: is easy. I work really, really hard for every dollar
• 24:41
  Speaker 4: I have, and it's not easy. But I'm grateful and
• 24:44
  Speaker 4: thankful for my clients that trust in me, and the
• 24:47
  Speaker 4: life insurance Michael's my life insurance specialist, and all those
• 24:50
  Speaker 4: things that we do for people. It's just it's not easy.
• 24:54
  Speaker 4: So if I was going to be in an insurance
• 24:57
  Speaker 4: agent and make a claim, that's wrong. So I lose
• 25:00
  Speaker 4: my business, I lose my license. Okay, let's say I
• 25:03
  Speaker 4: collect one or two hundred thousand dollars. Is that worth
• 25:06
  Speaker 4: going to jail? Is that worth getting free money illegally? No,
• 25:10
  Speaker 4: it's robbing. Somebody can do it.
• 25:14
  Speaker 2: And just to make sure I got this right, Range
• 25:17
  Speaker 2: Job Travelers reportedly paid the twenty five three hundred and
• 25:21
  Speaker 2: eighty dollars, including the forty five hundred dollars for the
• 25:26
  Speaker 2: diamond anniversary bring, while home Site denied their claim after
• 25:29
  Speaker 2: discovery and consistencies.
• 25:31
  Speaker 1: So I wanted to make sure I got that right, Vicky.
• 25:34
  Speaker 1: Did you hear her that allegedly the diamond ring that
• 25:38
  Speaker 1: they claim was stolen.
• 25:41
  Speaker 2: Prosecutors are alleging that Wendy wore it in a recent
• 25:45
  Speaker 2: photo on social media. Now some people are saying that, look,
• 25:51
  Speaker 2: maybe she got a replica of the ring.
• 25:54
  Speaker 1: It's the money towards that. What what do you think
• 25:58
  Speaker 1: about that.
• 26:00
  Speaker 4: That can happen? You know, I years ago I lost
• 26:03
  Speaker 4: my It was a diamond ring that had like four
• 26:07
  Speaker 4: or five different bands on one ring, and I was
• 26:10
  Speaker 4: in Bali and I put it in a glass next
• 26:14
  Speaker 4: to my dresser, and when I checked out, I left
• 26:17
  Speaker 4: the ring in there, So I knew that right away.
• 26:19
  Speaker 4: When I was in the car, I'm like, okay, I
• 26:20
  Speaker 4: left my ring in there. We're going to turn the
• 26:22
  Speaker 4: bus around, come back. They're like, there's no ring in there,
• 26:23
  Speaker 4: and I knew it was in there. So I called
• 26:26
  Speaker 4: my jeweler and I said, listen, my ring is gone.
• 26:29
  Speaker 4: And it was itemized and it wasn't a lot. I
• 26:31
  Speaker 4: mean it was like eight thousand dollars and she's like,
• 26:34
  Speaker 4: you already itemize this, Well, we'll replace it because it
• 26:37
  Speaker 4: was a beautiful ring. So those type of things can
• 26:40
  Speaker 4: be done. And she could have maybe done cubic zirconia.
• 26:43
  Speaker 4: She could have done you know, who knows, But there's
• 26:47
  Speaker 4: lab mind diamonds now wherech don't cost a lot to redo.
• 26:52
  Speaker 4: I don't know the story there, but you can have
• 26:54
  Speaker 4: another ring made that looks like the other one, if that,
• 26:57
  Speaker 4: in fact was stolen. So I don't know. It's the
• 27:02
  Speaker 4: whole forty two items or whatever the number was like itemized.
• 27:07
  Speaker 4: That's crazy. That's a lot of freaking jewelry, and that
• 27:09
  Speaker 4: premium was high because if you itemized all those things.
• 27:13
  Speaker 4: I mean, I've got a Rolics watch and a Cardier
• 27:16
  Speaker 4: watch and they're in my safe, and two of the
• 27:18
  Speaker 4: watches are itemized, and my other Michael Cores is not.
• 27:21
  Speaker 4: It's like I only itemized stuff that would be difficult
• 27:24
  Speaker 4: to replace. But if they're if they're in my house,
• 27:27
  Speaker 4: they're in my safe. So I don't know where she
• 27:29
  Speaker 4: had all these forty two items at. Did they break
• 27:32
  Speaker 4: into her safe? I don't know. Whole thing smells very fishy.
• 27:37
  Speaker 1: You are obviously you know, like I said, you've been
• 27:39
  Speaker 1: in insurance.
• 27:40
  Speaker 2: You don't work in plants, but but you work in
• 27:41
  Speaker 2: Obviously it's like a policy for people. But as somebody
• 27:45
  Speaker 2: who works within this business, when you first read this story,
• 27:49
  Speaker 2: you're you and you read what happened was been alleged.
• 27:53
  Speaker 2: You immediately felt like, what like this was a open
• 27:57
  Speaker 2: and shut pace.
• 27:58
  Speaker 1: So you feel like maybe they did not have the intention.
• 28:02
  Speaker 2: Maybe maybe they just didn't know that you don't double
• 28:05
  Speaker 2: different insurance.
• 28:06
  Speaker 4: I go bullshit. I mean, if you're making a claim
• 28:09
  Speaker 4: for that many items, you knew something was going to
• 28:12
  Speaker 4: happen eventually because you want to get collected on it.
• 28:15
  Speaker 4: I mean, most people don't have forty two items that
• 28:18
  Speaker 4: they itemize, Like I said, I have a Michael Course
• 28:21
  Speaker 4: watch and ever Relics watch. I don't itemize my Michael Course.
• 28:24
  Speaker 4: I mean how many diamonds and quality watches and things
• 28:28
  Speaker 4: like that that they have That that's a lot. So
• 28:32
  Speaker 4: I don't know, it just sounds very icky. I don't
• 28:34
  Speaker 4: like it.
• 28:37
  Speaker 2: So I want to talk to you about that because
• 28:40
  Speaker 2: you know, there are people Biggie that are saying, look,
• 28:45
  Speaker 2: let's say this is true.
• 28:47
  Speaker 1: Those selfles did not murder anybody. They didn't steal from you,
• 28:50
  Speaker 1: they didn't rob you. What does it matter to you?
• 28:54
  Speaker 1: It doesn't affect you personally.
• 28:57
  Speaker 2: As an assurance CEO of Culture and Stare who's been
• 29:00
  Speaker 2: in the business for thirty four years, what did you
• 29:03
  Speaker 2: have to say to that does this impact the average of America?
• 29:08
  Speaker 4: Yes, it does because if an insurance company has to
• 29:10
  Speaker 4: come out three four, five hundred thousand dollars, that is
• 29:13
  Speaker 4: coming out of a bucket of reserves to pay out.
• 29:17
  Speaker 4: And now what causes that reserve to be depleted by
• 29:21
  Speaker 4: a half a million dollars? And that goes back into
• 29:24
  Speaker 4: the insurance policy holders, and now our premiums are going
• 29:27
  Speaker 4: up to supplement that claim. So it's tough, you know,
• 29:32
  Speaker 4: it's just I go back to La Fires, all those
• 29:35
  Speaker 4: people that had their homes insured. What happened us in
• 29:38
  Speaker 4: Orange County, California, one hour south. Our premiums have increased
• 29:43
  Speaker 4: because we've got to pay all the millions and millions
• 29:46
  Speaker 4: and millions of dollars in claims going out. So it
• 29:48
  Speaker 4: does affect us, it does.
• 29:54
  Speaker 2: I've heard that when insurance companies investigate possible bowl malice
• 30:02
  Speaker 2: intent where someone files for a claim that may not
• 30:06
  Speaker 2: be accurate, that ultimately they want their money back, that
• 30:11
  Speaker 2: the insurance companies want their money back in this particular case,
• 30:16
  Speaker 2: do you think that ultimately that's what they want or
• 30:20
  Speaker 2: do you think based.
• 30:21
  Speaker 1: On the high value amount that it.
• 30:25
  Speaker 2: Is going so far as it has because jail time
• 30:28
  Speaker 2: is what the prosecuted they seeking in addition to paying back.
• 30:32
  Speaker 4: And Sally, I mean, they can put a lien on
• 30:34
  Speaker 4: their house for restitution, but it they can Bigie Well,
• 30:39
  Speaker 4: I would think, so, yeah, they can go to lean
• 30:40
  Speaker 4: in their homes. Absolutely, they're going to get their money
• 30:43
  Speaker 4: back some way, somehow. Obviously these people already spend their money.
• 30:46
  Speaker 4: They're living beyond their means. So as a prosecutor, if
• 30:50
  Speaker 4: you steal from something or somebody, you can have your
• 30:54
  Speaker 4: property seized and leaned to get the restitution. Because I
• 30:58
  Speaker 4: doubt she has the money still sitting in savings account.
• 31:01
  Speaker 4: They blew it, my guess. And I also think it
• 31:06
  Speaker 4: sets an example for those of you out there thinking, oh,
• 31:09
  Speaker 4: I'm going to get away with this. You're not going
• 31:11
  Speaker 4: to get away with it most of the time. And
• 31:15
  Speaker 4: maybe there's some little slide two or three thousand dollars
• 31:17
  Speaker 4: claims you get away with no. But when I lost
• 31:19
  Speaker 4: my ring in Bali, I lost my ring in Bali.
• 31:22
  Speaker 4: It was an hotel. Hotel didn't cover it. I had
• 31:25
  Speaker 4: to make a claim on my insurance. I had a
• 31:27
  Speaker 4: new ring made by my jeweler exactly the way the
• 31:30
  Speaker 4: other one. So that's it. I mean, when you do
• 31:34
  Speaker 4: have a claim, insurance company should be there for it.
• 31:37
  Speaker 4: But now forty two items, well I do what I do.
• 31:44
  Speaker 2: Crazy VICKI composit back. I do want to ask me
• 31:51
  Speaker 2: this is it immediately suspicious when someone said, okay, my
• 31:57
  Speaker 2: house will brugm Ris and I camy over forty two items?
• 32:02
  Speaker 1: Yeah, bullshit, that's not that's.
• 32:06
  Speaker 4: There's no cameras, there's no footage. There's all of a
• 32:08
  Speaker 4: sudden the cameras were covered. Yeah, bullshit. As I told you,
• 32:12
  Speaker 4: I just bought this house here with this pretty view
• 32:15
  Speaker 4: out here in Lakinita and we are on the golf course,
• 32:20
  Speaker 4: and that's good and bad. So anybody can come into
• 32:24
  Speaker 4: this house. Well don't even think about it, all you
• 32:27
  Speaker 4: bad people out there. Anybody can come in the house
• 32:29
  Speaker 4: and hurt me or burglarize me. But guess what today,
• 32:34
  Speaker 4: security is coming, getting cameras all over the golf course,
• 32:37
  Speaker 4: all around the perimeters of the house, in an alarm system,
• 32:41
  Speaker 4: because I don't want bad people entering my life. And
• 32:45
  Speaker 4: if somebody entered their home and they have that much jewelry,
• 32:49
  Speaker 4: chances are they had cameras and a security system and
• 32:55
  Speaker 4: all of that where is it.
• 33:00
  Speaker 1: I don't like it. You don't like it, well, look
• 33:01
  Speaker 1: a lot of people don't like it. And look what advice, Nicky.
• 33:06
  Speaker 2: Do you have or your real housewife's sisters and solidarity
• 33:10
  Speaker 2: when it comes to the pressures of trying to keep
• 33:14
  Speaker 2: up with the Joneses or maybe or maybe not understanding
• 33:18
  Speaker 2: the law or insurance. And because there's a lot of
• 33:21
  Speaker 2: allegations of people faking burglaries across the franchises, what well,
• 33:26
  Speaker 2: what's our ice for these women to not get caught up?
• 33:29
  Speaker 4: I have such great advice, So are you sitting down?
• 33:35
  Speaker 4: I think it's humbling to the viewers and audience that
• 33:39
  Speaker 4: somebody may not be as affluent as somebody else. You know,
• 33:43
  Speaker 4: when I started the show, I'm from the Midwest. I
• 33:46
  Speaker 4: was working in my home office. I had Laurie working
• 33:48
  Speaker 4: for me and Duff, and it was very clear I
• 33:52
  Speaker 4: have to work. I mean, my husband made decent money
• 33:55
  Speaker 4: working for home Depot as an executive, but in order
• 33:58
  Speaker 4: to live in California and put my kids to private schools,
• 34:01
  Speaker 4: I had to work. And we bought a house out
• 34:03
  Speaker 4: at the river. So I think it was humbling for
• 34:07
  Speaker 4: not only me to be around other women that didn't work.
• 34:10
  Speaker 4: They were very affluent or they acted that way and
• 34:13
  Speaker 4: for the viewers to go, okay, she works. Like even
• 34:16
  Speaker 4: these girls I met last night, they're like, You're the
• 34:18
  Speaker 4: reason why I've maintained my inde independence because twenty years
• 34:22
  Speaker 4: ago it was okay to work while you're married and
• 34:24
  Speaker 4: while you're raising children. I think when you live beyond
• 34:28
  Speaker 4: your means or you're showcasing something that's not real, it's annoying.
• 34:32
  Speaker 4: And it's annoying for me because I was filming with
• 34:34
  Speaker 4: people like that. It's like, what are you doing? You
• 34:36
  Speaker 4: got fifty thousand on your credit card and you look cute,
• 34:39
  Speaker 4: but who cares. You can't afford what you're wearing. You
• 34:42
  Speaker 4: can't afford what you're driving. So I say this, live
• 34:46
  Speaker 4: within your means, save twenty percent of your salaries. Make
• 34:50
  Speaker 4: sure you have life insurance on the breadwinner if you're
• 34:53
  Speaker 4: the breadwinner. I got a ton of life insurance on
• 34:55
  Speaker 4: me if I broke tomorrow. Please God don't crook me
• 34:58
  Speaker 4: to where I'm very busy day tomorrow after it was coming.
• 35:04
  Speaker 4: But I think that when you live within your means,
• 35:06
  Speaker 4: it's humbling that most of the people in the world
• 35:09
  Speaker 4: or even the United States are overextended. They can't afford
• 35:14
  Speaker 4: a two thousand dollars outfit or of ten thousand dollars perse.
• 35:18
  Speaker 4: So when we show the world that we are like them,
• 35:21
  Speaker 4: it's better than showing something that we're not. I mean,
• 35:24
  Speaker 4: I'm the big believer that you live within your means,
• 35:27
  Speaker 4: you pay your taxes, you save, you get life insurance
• 35:30
  Speaker 4: on the breadwinner. Oh by the way, Coto insurance dot com.
• 35:33
  Speaker 4: And then you know, we just we just be responsible people.
• 35:38
  Speaker 4: You know.
• 35:39
  Speaker 1: Yeah, no, that that's good advice. One last question about
• 35:44
  Speaker 1: the insurance part of it.
• 35:45
  Speaker 2: What takes to happen after these types of insurance for
• 35:50
  Speaker 2: all crimes? Happy do is it likely that the insurance
• 35:55
  Speaker 2: companies keep them honest clients or no eld they're dropped?
• 36:02
  Speaker 4: I mean, no insurance company is going to keep somebody
• 36:04
  Speaker 4: on that fraudulently made a claim against them. They're going
• 36:07
  Speaker 4: to have difficult time getting insurance anywhere anywhere. It's a
• 36:12
  Speaker 4: big red flag with a big circle with the line
• 36:14
  Speaker 4: through it, like no nope, closure man.
• 36:20
  Speaker 6: Okay, if you were robbed or you were hurt by somebody,
• 36:29
  Speaker 6: and then then they went back and said okay, well sorry,
• 36:31
  Speaker 6: like I'll restitute pay for it, but I still want
• 36:34
  Speaker 6: to be your friend. The answer is no, you're not
• 36:37
  Speaker 6: my friend if you could steal from me. Same with
• 36:38
  Speaker 6: an insurance company. We're not friends with them. But a
• 36:42
  Speaker 6: character of who you are goes throughout your lifetime.
• 36:47
  Speaker 1: Right yeah, yeah.
• 36:49
  Speaker 7: And the thing is that even even if they're not convicted,
• 36:54
  Speaker 7: the accusation of insurance fraud would still be something that
• 36:58
  Speaker 7: may be hard from the beginning.
• 37:00
  Speaker 1: Insurance in the future, right, cor yeah, yeah, yeah.
• 37:04
  Speaker 4: It wanks like a duck, it's a duck. You know.
• 37:06
  Speaker 4: If it quacks like a duck, it's a duck. That smells.
• 37:08
  Speaker 4: If it quacks like a duck, it's a duck.
• 37:10
  Speaker 1: Right, that's not that's not a thing though. But listen
• 37:15
  Speaker 1: my last how does it go?
• 37:18
  Speaker 3: Oh?
• 37:19
  Speaker 1: Well, no, if it no, If it quacks like a duck, it.
• 37:23
  Speaker 4: Is a duck, right. Or if it wattles like a duck,
• 37:25
  Speaker 4: it's a duck. I don't know. If it's a duck,
• 37:27
  Speaker 4: it's a duck.
• 37:31
  Speaker 1: If it quacks like a duck a duck.
• 37:33
  Speaker 2: If it walks like a dutch, looks like a duck,
• 37:35
  Speaker 2: it quaests like a duck, there is probably a duck.
• 37:38
  Speaker 4: Duck. There you go. Yeah, I'm go the next question.
• 37:44
  Speaker 2: My last question for you is this Vicky Gollison, because
• 37:47
  Speaker 2: I want to make sure Spectrum.
• 37:49
  Speaker 1: Delivers your service. But look, when it comes to.
• 37:54
  Speaker 2: The prosecution of the insurance fraud, is it up to
• 38:01
  Speaker 2: the insurance companies to dictate with the prosecution if they
• 38:06
  Speaker 2: want to.
• 38:09
  Speaker 1: Fully extent the law to prison time? Do they do?
• 38:13
  Speaker 1: The insurance companies have a say in what they want
• 38:15
  Speaker 1: whether if.
• 38:16
  Speaker 2: Give some money back they can they can you guys
• 38:19
  Speaker 2: can do what you want to or do insurance companies
• 38:23
  Speaker 2: have a say and say.
• 38:24
  Speaker 1: No, we want them to be in prison.
• 38:28
  Speaker 4: I don't know the answer to that. I would assume
• 38:31
  Speaker 4: that they would have some say so, but I don't know.
• 38:33
  Speaker 4: I don't want to misspeak. That's a claims issue. I'm
• 38:38
  Speaker 4: on the other end. I write the policies and a
• 38:40
  Speaker 4: lot of them. So people are coming to us because
• 38:43
  Speaker 4: we do ethical business. And by the way, if you
• 38:45
  Speaker 4: are an agent and you know that client is putting
• 38:50
  Speaker 4: forty two items down, you kind of me as an
• 38:54
  Speaker 4: agent and I would kind of say, you know, I guess
• 38:55
  Speaker 4: the all forty two items. I want to know you
• 38:58
  Speaker 4: know where it's being held. It in a safe is
• 39:00
  Speaker 4: it at a bank? Like? Where where are these items at?
• 39:04
  Speaker 4: Because I, as the insurance agent, is responsible for disclosing
• 39:09
  Speaker 4: all of this to the insurance company, you know, and
• 39:12
  Speaker 4: that's that's a big deal. There's insurance brought on a
• 39:14
  Speaker 4: lot of things. Health insurance, life insurance, property and casualty,
• 39:18
  Speaker 4: you know a lot of things. And I have never
• 39:21
  Speaker 4: had an insurance company say, Vicky, we're taking away your
• 39:24
  Speaker 4: positions with these insurance companies because you're writing bad business.
• 39:27
  Speaker 4: So if I write bad business and there's a lot
• 39:29
  Speaker 4: of claims, they're going to pull my contracts. So I
• 39:32
  Speaker 4: got to write a clean business and disclose everything, and
• 39:36
  Speaker 4: then the insurance company can can can decide to ensure
• 39:39
  Speaker 4: it or not. For instance, let's say you're my client
• 39:42
  Speaker 4: with life insurance. We do a ton of life insurance,
• 39:44
  Speaker 4: and you say, you know what, Vick, I think I
• 39:46
  Speaker 4: have cancer, but I haven't been diagnosed yet. There's just
• 39:50
  Speaker 4: a lot going on with my health. I haven't gone
• 39:52
  Speaker 4: to the doctor. I as the agent, I have to
• 39:55
  Speaker 4: disclose Carlos sustaining he's not feeling well, he thinks he
• 39:58
  Speaker 4: has cancer. I know there's no record of it. I
• 40:01
  Speaker 4: have to disclose that, and the insurance company then can
• 40:04
  Speaker 4: require a scan or what have you, because they want
• 40:07
  Speaker 4: to know that what they're getting into. Right, So when
• 40:10
  Speaker 4: you do a reputable practice like mine, the underwriters love
• 40:16
  Speaker 4: me because I'm disclosing everything and then they can decide
• 40:19
  Speaker 4: what to do with it. So whoever wrote those policies up,
• 40:25
  Speaker 4: they should have asked other questions, do you have other
• 40:26
  Speaker 4: insurance and force for this? You're you can't ensure two
• 40:29
  Speaker 4: companies for the same item, so I look at the
• 40:33
  Speaker 4: insurance agent, whoever you are. You should have asked more
• 40:37
  Speaker 4: questions to make sure that you're not ensuring one item twice.
• 40:45
  Speaker 2: You know, Yeah, yeah, yeah, No, it's tough.
• 40:49
  Speaker 1: It's tough. It's tough. Wellie, listen, I can't thank you
• 40:52
  Speaker 1: enough to take time of your busy schedule.
• 40:54
  Speaker 4: You are and target right now and lows and and
• 40:58
  Speaker 4: gets some mops and broom and lots of stuff to
• 41:01
  Speaker 4: do here. So Black thank you.
• 41:04
  Speaker 2: But before you do all of that and run your
• 41:06
  Speaker 2: Erran's sister, let everyone know how they can find you
• 41:09
  Speaker 2: in case they want to hire call self insurance for
• 41:13
  Speaker 2: the life insurance policy and everything else.
• 41:15
  Speaker 4: Yep, So we're going to go to Kotocoto Insurance dot
• 41:19
  Speaker 4: Com and put in your information and either Michael or
• 41:22
  Speaker 4: myself get right back to you. Look at the split.
• 41:25
  Speaker 4: So and if you're under the age of sixty, get
• 41:28
  Speaker 4: this one. You can possibly get a policy with no
• 41:32
  Speaker 4: medical exam as long as you answer these questions no no, no,
• 41:36
  Speaker 4: no no, and be honest. We'll order your MB Medical
• 41:39
  Speaker 4: Information Bureau see if you're lying. And we've been able
• 41:42
  Speaker 4: to get policies issued in twenty four hours, so we've
• 41:45
  Speaker 4: got a great system, all online. You don't have to
• 41:47
  Speaker 4: see me, but ken if you want, We're like every
• 41:51
  Speaker 4: day and press hard. Three copies is out now it's
• 41:54
  Speaker 4: all digital.
• 41:56
  Speaker 1: Wait, I want to make sure I heard this right.
• 41:58
  Speaker 1: You are a licensed in every state, yep, yep.
• 42:01
  Speaker 4: And I'm a broker, so we represent every insurance company.
• 42:06
  Speaker 4: It's been working very hard and the ces and all
• 42:14
  Speaker 4: that you know certified in every state, so it's good.
• 42:19
  Speaker 1: Well listen, I'm still happy for you.
• 42:22
  Speaker 2: And as I will end this conversation, I want to
• 42:28
  Speaker 2: say I need you back on my TV screen, so
• 42:31
  Speaker 2: I want to make sure that Bravo calls you.
• 42:33
  Speaker 1: I need you back to twenty It only makes sense.
• 42:36
  Speaker 1: You are the O G the O C.
• 42:38
  Speaker 2: You're the Mount Rushmore of the Real Housewives and you
• 42:41
  Speaker 2: have built this franchise on your back and.
• 42:45
  Speaker 4: I my crowd is crooked, but but.
• 42:48
  Speaker 2: I tilted back in censor and Vickie seriously, thank you
• 42:54
  Speaker 2: for your service.
• 42:55
  Speaker 4: We okay, welcome you have a good day.
• 42:57
  Speaker 1: It's good to talk to you, good to talk for you.
• 42:59
  Speaker 1: And I'll for your gain, okay.
• 43:00
  Speaker 4: Baby by.
• 43:04
  Speaker 2: Reality with the King is executive produced by me Carlos King,
• 43:09
  Speaker 2: produced by Lizzie Nimitz.
• 43:11
  Speaker 1: And a partnership with the Lack Effect Network.
• 43:15
  Speaker 2: You can also find us on my YouTube channel at
• 43:18
  Speaker 2: the Carlos King Underscore