Latest / The Realtor Who Wines / Are You Really Covered? Insurance Myths Every Homeowner & Business Owner Should Know

Transcript

Are You Really Covered? Insurance Myths Every Homeowner & Business Owner Should Know · The Realtor Who Wines

• 0:00
  SPEAKER_00: Welcome to the Realtor Who Wines Podcast.
• 0:02
  SPEAKER_00: I'm Rochelle Neumeyer, your hostess with the most us, a student of life, a connector, a passionate wine enthusiast, and your local favorite guide.
• 0:10
  SPEAKER_00: Join me as we explore the vibrant Pacific Northwest, savor the finest wines, and champion the spirit of entrepreneurship.
• 0:18
  SPEAKER_00: Each episode, I'll sit down with inspiring guests, supporting business ownership, and uncovering the stories that make this community unique.
• 0:25
  SPEAKER_00: So grab a glass of wine, settle in, and let's embark on a journey of discovering connection together.
• 0:30
  SPEAKER_00: Cheers.
• 0:32
  SPEAKER_01: Well, welcome back to the Realtor Who Wines.
• 0:34
  SPEAKER_01: I'm so happy to have you here.
• 0:36
  SPEAKER_01: I cannot wait for you to meet my guest today.
• 0:38
  SPEAKER_01: I've been dying to meet her in person myself.
• 0:39
  SPEAKER_01: I've been following for a while and been a fan.
• 0:42
  SPEAKER_01: So thank you for having us in your office today, Heidi.
• 0:44
  SPEAKER_01: I appreciate it.
• 0:45
  SPEAKER_01: Cheers to you.
• 0:46
  SPEAKER_03: Welcome in.
• 0:49
  SPEAKER_01: Do you mind?
• 0:51
  SPEAKER_01: Um, well, actually, really quick, you suggested what we're drinking today.
• 0:54
  SPEAKER_01: Do you want to talk about it a little bit?
• 0:56
  SPEAKER_03: I do.
• 0:56
  SPEAKER_03: I mean, I'm all for a good day drinking.
• 0:58
  SPEAKER_01: Yeah.
• 0:58
  SPEAKER_03: You know, a little activity.
• 0:59
  SPEAKER_03: So this is a perfect way to do it.
• 1:01
  SPEAKER_03: But this is actually a non-alcoholic version, which is a new hot topic in the wine industry.
• 1:06
  SPEAKER_03: So this is um Varnum's, Varnum Vittner's.
• 1:08
  SPEAKER_03: If you've not met Tara and Siler, they are they're absolutely super fabulous people, but they have started doing um a non-alcoholic um wine in their porch, their porch series.
• 1:19
  SPEAKER_03: Yeah.
• 1:19
  SPEAKER_03: So that's what this is.
• 1:20
  SPEAKER_03: I honestly haven't tried it.
• 1:21
  SPEAKER_03: So this is my first time trying the non-alcoholic version.
• 1:24
  SPEAKER_03: It's lovely.
• 1:25
  SPEAKER_03: Um and then we have their porch secco, which is just a great, that's a great mimosa.
• 1:29
  SPEAKER_01: One thing I love about them too is that they do bottles like this because sometimes you do want a glass of wine, but you don't want to open a whole bottle of wine.
• 1:36
  SPEAKER_01: You just want to share like half a bottle with somebody and not worry about it sitting open and things like that.
• 1:40
  SPEAKER_01: And that's what's so great about the porch series.
• 1:42
  SPEAKER_03: Exactly.
• 1:43
  SPEAKER_03: And it looks really deceiving in the fact that it just is a beer bottle, and that's what it is.
• 1:48
  SPEAKER_03: It's a true beer bottle.
• 1:48
  SPEAKER_03: Yeah.
• 1:49
  SPEAKER_03: Um, but it's a half a bottle of wine in there.
• 1:51
  SPEAKER_03: And so if you are drinking it straight out of the bottle, which happens on a nice summer day, um, you can get shammered really fast because you don't realize quite how much you're drinking because it's delicious.
• 2:01
  SPEAKER_01: Totally.
• 2:01
  SPEAKER_01: I also like, you know, we live in red grape country, but they do a lot of like sparkles and lighter, um, which on a day like today or the days the last few days where it's been so hot, this is like perfect to have something crispy.
• 2:14
  SPEAKER_01: Yeah.
• 2:15
  SPEAKER_01: So I love that.
• 2:16
  SPEAKER_01: Will you please introduce yourself to everyone?
• 2:18
  SPEAKER_03: Yeah, um, I am Heidi Moore.
• 2:20
  SPEAKER_03: Um, I work for Country Financial here in McMahonville.
• 2:22
  SPEAKER_03: I have been with the company for almost 20 years at this point in time.
• 2:26
  SPEAKER_03: Um, my specialty is pretty much anything but health insurance.
• 2:29
  SPEAKER_03: So don't ask me about the health insurance, but really our niches, um, really anything relationship-based with um customers, home, auto, really good at life insurance, but like my personal specialty is agriculture, farms, and wine.
• 2:44
  SPEAKER_01: Yeah, which makes sense being in the area that we're in.
• 2:47
  SPEAKER_01: We are surrounded by farms and agriculture.
• 2:49
  SPEAKER_01: Did you grow up in this area?
• 2:51
  SPEAKER_03: Uh yes and no.
• 2:52
  SPEAKER_03: Uh kinda.
• 2:53
  SPEAKER_03: So I grew up in Tillamook.
• 2:54
  SPEAKER_03: So I grew up.
• 2:56
  SPEAKER_03: Also farm area.
• 2:57
  SPEAKER_03: Uh yes, I am fourth generation dairy.
• 2:59
  SPEAKER_03: So I grew up on a generational dairy farm.
• 3:01
  SPEAKER_03: Um, my dad did not have my grandparents' dairy farm, but we were really super close.
• 3:06
  SPEAKER_03: Um, so yeah, agriculture has been in my blood literally from the beginning.
• 3:10
  SPEAKER_03: And as much as I wanted to get away from it, um, because I mean, as a farm kid, you work um all the time.
• 3:18
  SPEAKER_01: Yeah.
• 3:19
  SPEAKER_01: Um well, and especially a dairy farm, like you cannot just go on vacation.
• 3:24
  SPEAKER_01: Like someone has to attend to the cows every single day.
• 3:28
  SPEAKER_03: It's a 24-7 through 65 job.
• 3:30
  SPEAKER_03: Um, my parents tried to escape every once in a while and go on a little break of some sort.
• 3:35
  SPEAKER_03: And I swear every time they left, somebody died.
• 3:37
  SPEAKER_03: Okay.
• 3:38
  SPEAKER_03: Something died.
• 3:38
  SPEAKER_03: Yeah, for sure.
• 3:39
  SPEAKER_03: Yes.
• 3:39
  SPEAKER_03: And it was just a nightmare when they came back and we were, you know, all in some we did our best.
• 3:44
  SPEAKER_03: Some kind of trouble, you know.
• 3:46
  SPEAKER_03: Yeah.
• 3:46
  SPEAKER_02: So yeah.
• 3:47
  SPEAKER_01: What for somebody that's listening that has like just no clue about having insurance on like a farm?
• 3:53
  SPEAKER_01: What is something that like maybe an everyday residential person wouldn't know a farm would need insurance on?
• 4:00
  SPEAKER_03: Really, in if you are selling anything, even if it's one egg, you're a farm.
• 4:05
  SPEAKER_03: And and that's really kind of what it boils down to.
• 4:07
  SPEAKER_03: And so, um, especially in the last um five or six years, since really COVID and the whole backyard gardening and farmers market and and chickens and eggs and all that has really become so popular.
• 4:18
  SPEAKER_03: People don't realize the liability that comes with selling anything that you grow.
• 4:22
  SPEAKER_03: And that's what we run into quite a bit, and especially out in like the Portland areas and you know, those suburban areas, they're like, Well, I'm just selling it in a little stand.
• 4:30
  SPEAKER_03: I'm like, You're a farm, you have to have coverage for that, especially for eggs.
• 4:34
  SPEAKER_03: Those can really um mess somebody up.
• 4:36
  SPEAKER_01: Something that I've noticed that's been popping up a lot lately there's like little bakery stands at the end, even in like residential neighborhoods, that's like sourdough, cookies, all stuff.
• 4:44
  SPEAKER_01: What about those people?
• 4:45
  SPEAKER_01: Uh, they need business liability.
• 4:47
  SPEAKER_03: I mean, if you sell a product of any sort, you're a business or you're a farm.
• 4:52
  SPEAKER_01: Yeah.
• 4:52
  SPEAKER_01: So if you're listening and something and you're doing that, yes, maybe call Heidi because you might be in liability trouble.
• 4:58
  SPEAKER_03: It is, and I mean, it can be something as simple as you have like a little door on your little stand and you smash your finger in that when you're over pain and you break a finger or you blister it or whatever, and people love to sue for things anymore.
• 5:10
  SPEAKER_03: And it's just better to spend a little bit of money because those small business policies are not very expensive.
• 5:17
  SPEAKER_03: Um, and it's just people are so hesitant because insurance is so scary to everybody that they just feel like it's gonna cost them an arm and a leg.
• 5:25
  SPEAKER_03: And it really is not.
• 5:26
  SPEAKER_03: And you can work with somebody like me that we can walk through it and go, what makes sense for you, what doesn't make sense for you, and let's really kind of dial in and a la carte your policy that you need.
• 5:37
  SPEAKER_01: Does someone have to have an LLC or anything like that to have that?
• 5:41
  SPEAKER_03: No, no, you can be just a little sole proprietor that is just a little pop-up mom and shop, you know, mom and pop shop.
• 5:47
  SPEAKER_03: Um, that yeah, they don't have to have an LLC, they don't have to be registered with the state.
• 5:50
  SPEAKER_03: I mean, they probably should.
• 5:52
  SPEAKER_03: Yeah, but you like we don't require that.
• 5:54
  SPEAKER_03: Right.
• 5:54
  SPEAKER_03: I mean, being a sole proprietor is a cool thing.
• 5:56
  SPEAKER_03: I mean it's American dream.
• 5:57
  SPEAKER_01: Would you also recommend that for anybody that does like farmers markets, like if they're selling something off their property, would you still recommend that?
• 6:05
  SPEAKER_01: They have to.
• 6:05
  SPEAKER_01: Okay.
• 6:06
  SPEAKER_03: So most farmer markets are going to require that you have a certificate of insurance before they even remotely let you on premise.
• 6:13
  SPEAKER_02: Got it.
• 6:13
  SPEAKER_03: Um, and again, there's there's sometimes there's an easy way to do it, and sometimes there's a harder way to do it, depending on you know what you've been up to and what you're actually doing for your business.
• 6:23
  SPEAKER_03: And so what we find is that we get businesses, sometimes wineries, sometimes other businesses that have been operating without insurance for years and they are registered with the state, and we see that they have been selling things because we look at their social media and we're like, you're high risk because you've been basically operating a car with no license kind of idea.
• 6:41
  SPEAKER_03: Right.
• 6:42
  SPEAKER_03: And then I have to send them down a different rabbit hole that's gonna cost them a lot more money.
• 6:46
  SPEAKER_03: So it's easier to have a conversation with me up front and go, okay, this is what I'm kind of thinking.
• 6:51
  SPEAKER_03: What do we need to do or what shouldn't I do?
• 6:54
  SPEAKER_04: Yeah.
• 6:54
  SPEAKER_03: And um, my job is kind of as an advisory council to an extent, um, really try not to be judgmental and well, yeah, you know, and I just really want to help and make things make sense because insurance is so incredibly confusing.
• 7:08
  SPEAKER_03: Yeah, it's intricate and it's confusing.
• 7:10
  SPEAKER_03: And like even home and auto is is confusing for most people.
• 7:13
  SPEAKER_03: And so when you start getting into business and farm, it is taking it to the next level and people glaze over.
• 7:19
  SPEAKER_01: And that is a policy you could just bundle with your own homeowners and car insurance.
• 7:25
  SPEAKER_01: Like if you already have stuff bundled, yeah.
• 7:26
  SPEAKER_01: That's just one more thing that you'd be adding to the bundle as well.
• 7:28
  SPEAKER_03: Yeah, I you know, but I want to caution people that you know, if they go to their, you know, local 1-800 number or somebody who just really is just transactional, they're not gonna ask you the right questions of what you actually should have and what you need.
• 7:42
  SPEAKER_03: I see it all the time with the wineries I work with.
• 7:44
  SPEAKER_03: I just looked at one the other day.
• 7:46
  SPEAKER_03: It is a terrible policy, it covers nothing, like even their building is missing off this policy.
• 7:52
  SPEAKER_03: And I'm like, this is a this is a big problem.
• 7:54
  SPEAKER_01: You might want to cover that.
• 7:55
  SPEAKER_03: Yeah, yeah.
• 7:56
  SPEAKER_03: So, you know, I have always invited people to just come see me.
• 8:00
  SPEAKER_03: Yeah, I'm like, bring what you have, let me look at it.
• 8:03
  SPEAKER_03: If you love your insurance agent, I want you to stay with them.
• 8:06
  SPEAKER_03: Yeah, but let me advise you on how to fix it because how to have that conversation with them, yes, and and here are your pitfalls, and here's what could happen because that's ultimately insurance is legalized gambling because you're gambling that you hope that you never need to use it, right?
• 8:20
  SPEAKER_03: But you have to pay for it today just in case the big one hits.
• 8:23
  SPEAKER_03: Yeah, and so sometimes paying that extra couple bucks is worth having your house rebuilt properly if it burns down, right, in the long run.
• 8:32
  SPEAKER_01: Yeah, yeah.
• 8:33
  SPEAKER_01: How have you seen since you have been doing um and been in this industry for 20 years, how have you seen insurance really change?
• 8:39
  SPEAKER_01: Because like things have popped up like Uber, so car insurance has changed, or with all the fires and floods and stuff.
• 8:45
  SPEAKER_01: So, like policies have definitely changed.
• 8:47
  SPEAKER_01: What are some of the bigger changes you've seen?
• 8:49
  SPEAKER_03: The biggest one that we're seeing right now is that a lot of these big companies, and I will take my company completely out of it.
• 8:55
  SPEAKER_03: Country financial has actually tripled down on um personal relationships and face-to-face with agents.
• 9:01
  SPEAKER_03: So, like they're hiring more people to take care of people.
• 9:05
  SPEAKER_03: Yeah, whereas a lot of the big companies are really bringing in AI and they're trying to get rid of agents because they don't want the expense.
• 9:11
  SPEAKER_03: Sure.
• 9:11
  SPEAKER_03: Um, there's been a couple big ones in the news lately, and so that's a big, that's a big shift.
• 9:15
  SPEAKER_03: Yeah, for sure.
• 9:16
  SPEAKER_03: AI cannot talk to you and advise you on what you need for your business or even your home for that matter, properly.
• 9:23
  SPEAKER_01: Well, an AI is not, and this isn't like to hate on AI by any means, but it's just the truth is the truth.
• 9:29
  SPEAKER_01: It's not gonna ask you the right question.
• 9:31
  SPEAKER_01: Like if I asked said something to you, you would know the right question to ask me back to actually get the answer to help you help me.
• 9:38
  SPEAKER_01: AI is just gonna say, Oh, you said this, here's your answer.
• 9:40
  SPEAKER_01: Yeah.
• 9:41
  SPEAKER_01: Instead of being like, uh, when you asked that question, did you mean this?
• 9:44
  SPEAKER_04: Yeah.
• 9:44
  SPEAKER_01: Is this what you're trying to do with your bake stand?
• 9:46
  SPEAKER_01: You know, like AI is not gonna prompt those questions.
• 9:48
  SPEAKER_01: Hundreds of you're gonna get guidance probably in the wrong direction because they're not gonna be asking you the right questions unless you know exactly what to ask.
• 9:57
  SPEAKER_03: But even then it's company to company because we all have different policies.
• 10:00
  SPEAKER_03: And sure.
• 10:01
  SPEAKER_03: I mean, the other thing that I'm seeing is that some of these bigger companies are actually taking away coverages or they're making the coverages more difficult or they're depreciating coverages.
• 10:09
  SPEAKER_03: And so do you really have what you think you have?
• 10:12
  SPEAKER_03: Right.
• 10:13
  SPEAKER_03: And then it's been more expensive.
• 10:15
  SPEAKER_03: I mean, the palisade fires and the you know, the big wildfires and all these big weather events that are going on.
• 10:20
  SPEAKER_03: Insurance is a risk pool, and so I get it all the time.
• 10:23
  SPEAKER_03: I'm like, well, I haven't had a fire, why did my rates go up?
• 10:26
  SPEAKER_03: And I'm like, well, it is gonna cost more to rebuild your house because of inflation and building costs and things like that, and we have to spread that risk.
• 10:33
  SPEAKER_03: Um, and we really want to rebuild your house.
• 10:36
  SPEAKER_03: So we can't leave you at a$300,000 policy if you have a$750,000 house.
• 10:41
  SPEAKER_01: Right, especially in today's market.
• 10:43
  SPEAKER_01: Exactly.
• 10:43
  SPEAKER_03: And so those are you know conversations, but we also want to make sure that your house is replaced, not missing the kitchen, the garage, and three of your bathrooms.
• 10:53
  SPEAKER_03: Like, you know, when you run out of money, you run out of money.
• 10:55
  SPEAKER_03: Yeah, and then it comes out of pocket from there.
• 10:57
  SPEAKER_01: Well, and it's not just rebuilding your house, it's all the items in your house.
• 11:00
  SPEAKER_01: Like if you lose everything, like you have to replace everything, and that adds up quickly.
• 11:04
  SPEAKER_03: It adds up really quickly.
• 11:05
  SPEAKER_03: And that is one thing that you know we've talked about with clients a lot, especially with wildfires.
• 11:09
  SPEAKER_03: It's like you need to walk through your house with your phone, with your camera, and videotape everything.
• 11:14
  SPEAKER_03: Pull open the drawers, open the closets, things like that.
• 11:17
  SPEAKER_03: Because if your house does burn, are you gonna remember how many pairs of shoes you had?
• 11:22
  SPEAKER_03: And are you gonna remember, you know, what your video collection looks like?
• 11:25
  SPEAKER_03: That totally dated me.
• 11:26
  SPEAKER_03: It aged me.
• 11:26
  SPEAKER_03: I was gonna say CDs, but that's way out of date at this point in time.
• 11:30
  SPEAKER_03: I still have some CDs laying around.
• 11:32
  SPEAKER_03: I do too, and I'm waiting to buy a jukebox to put them in or something.
• 11:36
  SPEAKER_03: So it'll show up at my house one day.
• 11:40
  SPEAKER_03: How often should somebody update those videos?
• 11:42
  SPEAKER_03: Annually.
• 11:43
  SPEAKER_03: Okay.
• 11:44
  SPEAKER_03: Yeah, annually.
• 11:44
  SPEAKER_03: They should look at their policies annually, and they they should be talking to their agent every year.
• 11:50
  SPEAKER_03: And what we encourage people to do, um, I mean, we have you know a really good client base at this point, both on the business farm and and personal side, but like we want to be your person.
• 12:00
  SPEAKER_03: So if you are thinking about doing something, shoot me an email.
• 12:04
  SPEAKER_03: Yeah, I mean, most of them have my my cell phone number.
• 12:06
  SPEAKER_03: So I'm like, shoot me a text.
• 12:08
  SPEAKER_01: Right.
• 12:08
  SPEAKER_03: You know, if you're a wine, this has happened twice.
• 12:10
  SPEAKER_03: Um, if you are a winery and you're considering putting an axe throwing booth in the back, I want to I wish to know about it before you put it in place.
• 12:18
  SPEAKER_03: Yes, please, because that is a big no-no.
• 12:19
  SPEAKER_03: And if we find it, you are going to get canceled.
• 12:22
  SPEAKER_03: Right.
• 12:22
  SPEAKER_03: Um, we don't want drunk axes throwing through the winery, please.
• 12:25
  SPEAKER_01: Yeah, I've actually wondered about that with some of the axe throwing places that are popping up, not specifically at wineries, but just in general.
• 12:32
  SPEAKER_01: Like, how are you getting insurance for this?
• 12:33
  SPEAKER_01: Oh, you're a bar with axes.
• 12:35
  SPEAKER_01: That just seems dangerous.
• 12:37
  SPEAKER_01: I mean, I've gone and I've enjoyed it.
• 12:39
  SPEAKER_01: Oh, it's been fun.
• 12:40
  SPEAKER_01: But yeah, I as a business owner, every time I'm in there, I'm like, how are you paying for this?
• 12:44
  SPEAKER_01: This is gonna be crazy.
• 12:46
  SPEAKER_01: Yeah.
• 12:46
  SPEAKER_03: And it's just like people will do massive remodels and they'll add all of the square footage onto their house and not tell me.
• 12:52
  SPEAKER_03: And you know, they come in for a review or they call and like, okay, well, let's look through your policy really quick while I have you on the phone.
• 12:59
  SPEAKER_03: Like, I'm showing this, this, and that.
• 13:01
  SPEAKER_03: And they're like, oh no, our house is 4,000 square feet now, not 1,500.
• 13:04
  SPEAKER_03: I'm like, good detail for me to know because we right now you would only get 1,500 square feet back.
• 13:11
  SPEAKER_03: Yes.
• 13:11
  SPEAKER_03: And that's what it is.
• 13:12
  SPEAKER_03: I mean, yeah, because we do take pictures, and now with you know, modern technology, we have you know, satellite drone, you know, drone features, all the things that we can go look at your roof, you know, really closely without me having to go out and take the pictures.
• 13:25
  SPEAKER_03: Yeah, which I've noticed is nice.
• 13:27
  SPEAKER_01: Yeah, for sure.
• 13:28
  SPEAKER_01: Well, and it's a time saver in general, like because your time is better spent talking to clients on the phone versus driving out to a house to take a picture of a roof.
• 13:36
  SPEAKER_03: And it depends.
• 13:36
  SPEAKER_03: Like if if it's a farm client or a business, I I want to be on site.
• 13:40
  SPEAKER_03: Sure.
• 13:40
  SPEAKER_03: Like I want to walk the barn.
• 13:41
  SPEAKER_03: I want to, you know, drag me around your property and show me what you're doing.
• 13:44
  SPEAKER_03: Yeah.
• 13:44
  SPEAKER_03: That way I better understand and I can cover you properly.
• 13:48
  SPEAKER_03: And that is one segment that is sorely missed and and badly um taken care of, in my opinion.
• 13:56
  SPEAKER_03: Because there, you know, there's agents in New York City that are taking care of cattle ranches.
• 14:01
  SPEAKER_03: Like, do they really know what you're doing?
• 14:03
  SPEAKER_03: Do they know what this, you know, arena and this, you know, blah blah blah is?
• 14:07
  SPEAKER_03: No, probably not.
• 14:08
  SPEAKER_03: Right.
• 14:08
  SPEAKER_03: Yeah.
• 14:09
  SPEAKER_01: Um, I've noticed lately just um in real estate deals on my side is insurance companies are asking about the age of the roof and they're asking a little bit more questions than five or six years ago when um my buyers were getting their first-time homeowners insurance.
• 14:25
  SPEAKER_01: And so is that new?
• 14:27
  SPEAKER_01: Okay, because I was like, I have not been asked about roofs as much as I have the last two years.
• 14:32
  SPEAKER_03: Yeah, roofs have become a big deal.
• 14:34
  SPEAKER_03: So a lot of companies have put in depreciating schedules on them.
• 14:38
  SPEAKER_03: So if your roof's 10 years old, you're not getting a new roof unless like we have the ability to put a replacement value on there and replace it, replace it.
• 14:46
  SPEAKER_03: It costs you a little bit more money, but you know, is a hundred bucks more a year worth an extra 15,000 when you have to actually replace your roof?
• 14:53
  SPEAKER_02: Right.
• 14:53
  SPEAKER_03: Probably, you know, but those are the conversations that we have.
• 14:56
  SPEAKER_03: We write policies like they're for my family, yeah, all day long.
• 14:59
  SPEAKER_03: Yeah, we don't write back coverage, we don't, we don't leave, we don't play the money game in that we're trying to beat, you know, whoever, you know, by three dollars.
• 15:08
  SPEAKER_03: So you, you know, you choose us.
• 15:09
  SPEAKER_03: We are putting things in place that make you sleep well at night, and I have to sleep well at night.
• 15:14
  SPEAKER_03: So doing things very morally and ethically and very upfront and probably a little bit too blunt sometimes, um, is kind of the way I roll.
• 15:23
  SPEAKER_01: I've had a few homes um where the insurance was declined because the roof was like 25 years, almost a 30-year roof.
• 15:30
  SPEAKER_01: Yeah, are you seeing that too?
• 15:32
  SPEAKER_03: With a lot of the companies, like our competitive companies, yes, um, we are seeing that.
• 15:36
  SPEAKER_03: We don't do that, but we will put a what roof restriction on it.
• 15:39
  SPEAKER_03: So if it's a bad roof, we'll just not cover the roof, we'll just exclude it, but we'll still cover the structure and and the actual you know house itself and anything inside.
• 15:48
  SPEAKER_03: But if the roof is that bad, I like to go look at those properties because there's usually something else going on.
• 15:54
  SPEAKER_03: If your roof is that bad, you know, who knows what's in your backyard?
• 15:57
  SPEAKER_01: Well, for me, it's also just helped with negotiations because sometimes when you ask for a roof, they're just like no, but we're like, hey, the lender and now insurance is also saying they won't cover it.
• 16:06
  SPEAKER_01: So like we gotta get a new roof during inspections, or yep, we can't buy this house, like the clients.
• 16:11
  SPEAKER_03: Yeah, and it's nice to have those kind of tidbits of information in your pocket, but then also being able to, you know, send them to somebody who could help them if it was an absolute, you know, stick your head in the sand and and it was an absolute no.
• 16:23
  SPEAKER_03: I mean, I was just talking to um one of my new employees today about you know how we work with lenders and try to get buyers, you know, because sometimes it comes down to a couple bucks and the insurance is the one that is the one that kind of like is the hit and miss.
• 16:38
  SPEAKER_03: Like if your premium comes in too high, then you don't qualify.
• 16:41
  SPEAKER_03: But sometimes you can get a little creative if you have the right agent to, you know, hit that DTI that they need.
• 16:47
  SPEAKER_01: Yeah.
• 16:48
  SPEAKER_01: When did you kind of pivot more towards the wineries?
• 16:52
  SPEAKER_01: I mean, I know you have a farm background, but what about wineries specifically?
• 16:55
  SPEAKER_01: Like, when did you kind of start pivoting that way?
• 16:57
  SPEAKER_03: Um, apparently I was complaining the loudest of everybody in the company.
• 17:02
  SPEAKER_03: That's how it goes.
• 17:03
  SPEAKER_03: Because I had vineyards that I had inherited from other agents that had left the company um at some point, and I was losing them because we didn't have a wine policy.
• 17:12
  SPEAKER_03: Oh and we we could do the business, but we couldn't do the liquor liability.
• 17:17
  SPEAKER_03: And so they actually developed a wine craft brew and cider um program starting in 2016, and I was pulled into the pilot for that.
• 17:27
  SPEAKER_03: And my intent was to work in the beer industry because I was a beer girl, 100% a beer girl.
• 17:32
  SPEAKER_01: Didn't like wine, didn't want anything to do with wine, like she could see you that even could see you today.
• 17:39
  SPEAKER_03: I even live on Evil Hill.
• 17:41
  SPEAKER_03: So, like, yeah, like I mean, I live right in the middle of like Brooks is basically my neighbor.
• 17:46
  SPEAKER_03: Oh, okay.
• 17:46
  SPEAKER_03: And I had never been there.
• 17:48
  SPEAKER_03: And so um I was actually a little bit pissed off, to be honest with you, and the fact that wine came first and they couldn't tell me when the beer policy was coming.
• 17:56
  SPEAKER_03: And so I'm like, well, I was looking for a specialty.
• 17:59
  SPEAKER_03: I thought I'd do dairy farms because it's what I know, but it's not really an industry that is thriving, it's actually really a dying industry.
• 18:06
  SPEAKER_03: And I'm like, okay, well, I guess I'll figure out this wine thing.
• 18:09
  SPEAKER_03: And um knew I had some connections over at Linfield because that's where I went to college.
• 18:14
  SPEAKER_03: Um, my advisor was kind of the head of the Northwest wine program in getting it started.
• 18:19
  SPEAKER_03: And so I called him and he's like, Yes, I think this is a great idea for you.
• 18:22
  SPEAKER_03: Let me put you in touch with Ellen Britton, who has been instrumental in so many things.
• 18:27
  SPEAKER_03: She kind of took me under her wing.
• 18:29
  SPEAKER_03: We, you know, um talked about all the pain points that the wine industry was seeing because there was really only one option in the wine industry for insurance, and it wasn't going that well.
• 18:38
  SPEAKER_03: Um, there was definitely people were stuck and they weren't happy.
• 18:42
  SPEAKER_03: Um, and so I went through all the pain points.
• 18:44
  SPEAKER_03: I went back to my underwriting team.
• 18:45
  SPEAKER_03: I'm like, okay, this is now what I know.
• 18:47
  SPEAKER_03: Please tell me our policy covers this.
• 18:49
  SPEAKER_03: And I spent a lot of time being educated on our policy, but then I brought the underwriting team in with the Britons, and we went through the policy and we made some tweaks to our policy because of them.
• 19:01
  SPEAKER_03: And um, and then because of that, I ended up going to the Linfield immersion program that was going on at the time, which was the most incredible thing I've ever done.
• 19:09
  SPEAKER_03: I've really encouraged them to, you know, kind of reinvigorate that.
• 19:13
  SPEAKER_03: Um, but I was the last class that went through, and it was an immersive um 12-week class at Linfield, and I went to school all day, eight to five, two to four, uh two Tuesdays and Thursdays every week.
• 19:25
  SPEAKER_03: And it was, we started with dirt history and tirois, and we moved through vineyard management, winemaking, the business side of it, and then ended up with an IP and C, which obviously it unfortunately is no longer whatever.
• 19:38
  SPEAKER_03: But every week I'd come back and I'm like, oh my god, these people are my people.
• 19:42
  SPEAKER_03: Yeah, like they're farmers and creatives.
• 19:43
  SPEAKER_03: Oh my god, I thought they were just these snooty faloti people, and I didn't want anything to do with them.
• 19:48
  SPEAKER_03: And it was such an aha moment for me.
• 19:50
  SPEAKER_03: And I just fell in love with all of them, their stories, who they are, what they're doing, what they're making.
• 19:56
  SPEAKER_03: And it's been a it has been a huge uh life lesson in food and fine beverage, being part of the wine industry.
• 20:05
  SPEAKER_03: And my husband has begrudgingly been drug into it.
• 20:08
  SPEAKER_03: And he's sorry, not sorry.
• 20:09
  SPEAKER_03: Well, he specifically told me he's like, Don't bring the wine home.
• 20:12
  SPEAKER_03: Like, I am not interested in drinking it with you because I'd already ruined his beer palate because he was a PBR guy hardcore.
• 20:18
  SPEAKER_03: Okay, and now he's an IPA snob, and that was a hundred percent my fault.
• 20:22
  SPEAKER_03: Um, but he's like, it's rotten fruit in a glass, and I don't want anything to do with it.
• 20:26
  SPEAKER_03: And I gotta swirl it and I gotta smell it, and I gotta stick my pinky in the air.
• 20:29
  SPEAKER_03: And I'm like, okay, Mr.
• 20:31
  SPEAKER_03: Blue Collar.
• 20:31
  SPEAKER_03: Yeah.
• 20:32
  SPEAKER_03: Um, guess who drinks more wine than I do at this point in time?
• 20:35
  SPEAKER_03: Yes.
• 20:35
  SPEAKER_03: So he's had to build me a cellar because you know, I just I have a I collect a lot of wine with the people that I see, and I get beautiful gifts from them sometimes, and it was spilling out everywhere.
• 20:45
  SPEAKER_01: Well, and you sound a lot like me in the like if I go into a wine tasting room and I the winemaker's there, or the farmers there, or sometimes they're the same person, or the wife's there, she runs a tasting room, he runs the farm.
• 20:58
  SPEAKER_01: I'm instantly like, just give me all the wine because I just want to support them so much.
• 21:02
  SPEAKER_01: That's actually why I wanted to do the podcast was to show all the behind the scenes of wine too, that it's not just party party like chug chug chug.
• 21:10
  SPEAKER_01: Like that's a good part of it, but really it's all the stuff that goes into it as well.
• 21:15
  SPEAKER_03: It it is, and I think you know, where the podcast for me developed was the fact that like there was so many misconceptions and myths and lack of education, and all you saw was what Hollywood was portraying of the wine industry.
• 21:29
  SPEAKER_03: I mean, you can look at what Sideways did to the Merlot, you know, industry and how it killed that poor grape, but it it boostered and bolstered Pinot Noir to the, you know, towards that now.
• 21:39
  SPEAKER_03: Um, but it was really um, it was really eye-opening and I love it.
• 21:44
  SPEAKER_03: And I've also become very spoiled because I don't go wine tasting because I don't want to sit in the wine tasting room, you know, with all the noise and you know, whatever.
• 21:51
  SPEAKER_03: I I want to go in the back and hang with the winemaker down in the barrels and be totally farted around the, you know, the vineyard and totally, you know.
• 22:00
  SPEAKER_03: Do the things.
• 22:00
  SPEAKER_03: Yeah.
• 22:01
  SPEAKER_01: So thinking about moving to Oregon, don't just Google it.
• 22:05
  SPEAKER_01: Talk to someone who lives it.
• 22:06
  SPEAKER_01: I help people relocate smoothly and confidently.
• 22:09
  SPEAKER_01: Reach out and let's talk about your next move and make sure it makes sense for you.
• 22:15
  SPEAKER_01: Speaking of your podcast, talk a little bit about when you started that journey.
• 22:19
  SPEAKER_01: You kind of just mentioned why you wanted to start it, but like when did you start it?
• 22:22
  SPEAKER_01: How can people find you?
• 22:24
  SPEAKER_01: All those things.
• 22:24
  SPEAKER_03: Uh 2017 is when it started.
• 22:26
  SPEAKER_03: It was not my idea.
• 22:28
  SPEAKER_03: Um, I was actually approached um by Rebecca at the Portland Radio Project.
• 22:34
  SPEAKER_03: Um, she just happened to pick up an issue of the Oregon Wine Press that had an article of about me in it, which I paid for.
• 22:41
  SPEAKER_03: Um, and just, you know, she picked it, she never reads it.
• 22:44
  SPEAKER_03: She, you know, blah, blah, blah.
• 22:45
  SPEAKER_03: She was never at Zupans.
• 22:46
  SPEAKER_03: So it was all these serendipity things that came together and she called me.
• 22:50
  SPEAKER_03: And I'm like, yeah, no, not interested.
• 22:51
  SPEAKER_03: I don't like being on camera.
• 22:53
  SPEAKER_03: I don't want to be on mic.
• 22:54
  SPEAKER_03: You know, no, no, no.
• 22:56
  SPEAKER_03: And she hounded me for a long time.
• 22:59
  SPEAKER_03: And I finally, she's like, if you don't agree to it, I'll call somebody else.
• 23:02
  SPEAKER_03: And I'm like, that is the worst thing to tell me.
• 23:04
  SPEAKER_03: And I'm like, when do you want me to get away from it?
• 23:06
  SPEAKER_03: Yeah, when do you want me there?
• 23:08
  SPEAKER_03: So um I went in and she's like, So, okay, she the original idea was for me to develop a podcast for her, not for me to host it.
• 23:15
  SPEAKER_03: Oh, okay.
• 23:16
  SPEAKER_03: And so I was, you know, she had sent me the price sheet.
• 23:18
  SPEAKER_03: So I'm like, it was gonna cost me like six thousand dollars every, you know, blah, blah, blah.
• 23:22
  SPEAKER_03: And I'm like, I just can't afford that.
• 23:24
  SPEAKER_03: Like, I like I am not rolling in it to do that.
• 23:26
  SPEAKER_03: And so when I got there, she's like, So do you want to talk about wine insurance?
• 23:29
  SPEAKER_03: And I'm like, Hells no, nobody'd ever listen to that.
• 23:32
  SPEAKER_03: And she said, So what do you want to do then?
• 23:34
  SPEAKER_03: And so that's kind of where this came from.
• 23:36
  SPEAKER_03: I'm like, oh my god, I've fallen in love with all these amazing personalities and what they're doing, and blah, blah, blah, blah.
• 23:41
  SPEAKER_03: And she's like, that's it.
• 23:43
  SPEAKER_03: And now what do we call it?
• 23:44
  SPEAKER_03: And I'm like, I don't know, I've been kind of thinking about it.
• 23:46
  SPEAKER_03: And I'm like, Wine crush just kind of sounds like it it fits for me for so many different reasons.
• 23:52
  SPEAKER_03: And she's like, I think that sounds great.
• 23:53
  SPEAKER_03: And so that was kind of the the kickoff with it, and I figured it was a one and done.
• 23:58
  SPEAKER_03: Like my first interview was Janie Brooks, and um, which why she agreed, I have no idea.
• 24:03
  SPEAKER_01: It's always weird for me.
• 24:05
  SPEAKER_01: It was weird.
• 24:05
  SPEAKER_01: Like, hey, do you want to be on a podcast that no one knows about and hasn't even started yet?
• 24:10
  SPEAKER_01: So, like, yeah, we don't even know if it's gonna be good.
• 24:12
  SPEAKER_01: It's awkward, and it was a hard format.
• 24:14
  SPEAKER_03: And again, I I knew Janie had a story that could last for hours, and I only needed 15 minutes of her time.
• 24:21
  SPEAKER_03: That was it.
• 24:21
  SPEAKER_03: And then I called for Tony Foston um at Abbey Creek, and he was the second part of that interview, so 15 minutes each, with you know, breaks every five minutes and you know, intros and outros, and it was really overwhelming for me.
• 24:34
  SPEAKER_03: And I'm like, this was maybe better than I was expecting, but I think this still sucked.
• 24:39
  SPEAKER_03: Um, and I'm terrified to go back and listen to it.
• 24:42
  SPEAKER_03: Um and so we did um three and a half seasons with Portland Radio Project.
• 24:48
  SPEAKER_03: Um, you know, there's lots of rules too.
• 24:49
  SPEAKER_03: Sure.
• 24:50
  SPEAKER_03: Like you you can't say bad words on the air because on the radio.
• 24:52
  SPEAKER_03: Um when COVID hit, we got shut down in Portland.
• 24:55
  SPEAKER_03: And so I had just taken the space here and we built a studio in the back.
• 25:00
  SPEAKER_03: And so we've just been doing it here for the last five or six seasons.
• 25:04
  SPEAKER_02: Okay.
• 25:05
  SPEAKER_03: Um, and yeah, it's you can find it everywhere.
• 25:08
  SPEAKER_03: Um, we are slowly but surely getting the videos up on YouTube that we've been doing the last two years.
• 25:13
  SPEAKER_03: Um, pretty much all your listening platforms Apple, Spotify, Amazon, Pandora, I think, maybe iHeartRadio.
• 25:19
  SPEAKER_03: I don't even know if that's a thing anymore.
• 25:20
  SPEAKER_03: Um I mean, I think they have an app.
• 25:22
  SPEAKER_03: I am I don't know.
• 25:23
  SPEAKER_03: So that's not my department.
• 25:25
  SPEAKER_03: Sure.
• 25:25
  SPEAKER_03: Yeah.
• 25:26
  SPEAKER_03: So I meet with the people.
• 25:27
  SPEAKER_01: I record the episode.
• 25:29
  SPEAKER_03: Yep.
• 25:29
  SPEAKER_01: Where you find it.
• 25:30
  SPEAKER_01: Yeah.
• 25:31
  SPEAKER_01: Yeah.
• 25:32
  SPEAKER_01: What do you like envision the podcast like growing or how do you envision it continuing?
• 25:38
  SPEAKER_03: I would love to see it grow.
• 25:40
  SPEAKER_03: I mean, the pipe dream has been to take it and go international with it.
• 25:44
  SPEAKER_01: That would be so cool.
• 25:45
  SPEAKER_03: Um, just because I think there's just it's really about the stories of the people.
• 25:48
  SPEAKER_03: So why they're doing what they're doing, how they're doing what they're doing, why are they different than the neighbor that's also doing it?
• 25:55
  SPEAKER_03: Um, what makes them special?
• 25:57
  SPEAKER_03: And we spent some time in Portugal a couple years ago, and like I was in somebody's cellar drinking 80-year-old port.
• 26:04
  SPEAKER_03: Oh my god, and then some grappa that about lit me on fire.
• 26:07
  SPEAKER_03: Um, and so it was so amazing and incredible to go and do that, but I don't charge people to be on the podcast.
• 26:15
  SPEAKER_03: Yeah, and I don't have sponsors, and so it's it's really just a passion project and something that I find fun.
• 26:21
  SPEAKER_03: And so going international doesn't make any sense.
• 26:24
  SPEAKER_03: Um, to take my audio guy and to take, you know, yeah, probably my husband and his wife, you know.
• 26:29
  SPEAKER_03: And so we, you know, we we're all friends at this point, so it would be really fun.
• 26:34
  SPEAKER_03: But I mean, that would be my pipe dream.
• 26:36
  SPEAKER_03: Um, but like I still want to highlight and keep growing in the Northwest.
• 26:41
  SPEAKER_03: Um, the podcast has been a great way to meet people.
• 26:43
  SPEAKER_01: Yeah.
• 26:44
  SPEAKER_03: Um, that a lot of times that friendship and relationship turns into a business relationship down the road.
• 26:48
  SPEAKER_03: So it's been a great um thing on that respect.
• 26:52
  SPEAKER_03: Yeah.
• 26:52
  SPEAKER_03: Um, but yeah, I don't know.
• 26:54
  SPEAKER_03: You know, I really thought we would be done at some point in time, but like it always warms my heart when I see people, mostly like at the symposium, the Oregon Wine Symposium every year.
• 27:03
  SPEAKER_03: We always have a booth there.
• 27:05
  SPEAKER_03: Um, and people will walk up to me and they're like, Oh my god, you're Heidi, you're the podcast.
• 27:09
  SPEAKER_03: Like, I listened to your show before I moved to Oregon and you helped me find all these places and blah blah blah.
• 27:14
  SPEAKER_03: And I'm like, Oh, you listen?
• 27:16
  SPEAKER_03: Yeah, like you really listen.
• 27:17
  SPEAKER_03: Yeah, I always have that same reaction too.
• 27:20
  SPEAKER_03: Yeah.
• 27:20
  SPEAKER_01: And some people I think think it's fake, and it's like, no, it's actually still shocking sometimes.
• 27:24
  SPEAKER_01: When people are like, I'm loving your podcast.
• 27:26
  SPEAKER_01: You're like, You are?
• 27:27
  SPEAKER_01: Yeah, because it's like they like it.
• 27:29
  SPEAKER_03: I know it's it's really hard, especially when you're kind of in a daily grind of, you know, the insurance business for me takes up 60 hours a week.
• 27:37
  SPEAKER_03: Like I work still full time.
• 27:39
  SPEAKER_03: Yeah, I'm up every morning at four.
• 27:41
  SPEAKER_03: Yeah, because you're on a farm still.
• 27:42
  SPEAKER_03: Yeah, I mean, we have a small farm.
• 27:44
  SPEAKER_03: We have, you know, we have beef, you know, that we raise every year, and you know, we have nine acres up there.
• 27:49
  SPEAKER_03: So I have, you know, my flower gardens, and this year I've got a pumpkin tunnel.
• 27:53
  SPEAKER_03: It's the coolest thing ever.
• 27:54
  SPEAKER_03: My husband thinks I'm ridiculous, but I'm loving the pumpkins.
• 27:58
  SPEAKER_03: Um am I gonna sell them?
• 27:59
  SPEAKER_03: No, but I could be a porch decorator.
• 28:01
  SPEAKER_03: That could be my next life.
• 28:02
  SPEAKER_03: Ooh, yeah.
• 28:04
  SPEAKER_01: Well, and you can do some fun stuff in here too, because you have all those windows and stuff.
• 28:07
  SPEAKER_01: Yeah, yeah.
• 28:08
  SPEAKER_03: We always do something really cool in here.
• 28:09
  SPEAKER_03: Yeah.
• 28:10
  SPEAKER_03: Um, but yeah, we're up early, and the first thing that comes on is my my email.
• 28:14
  SPEAKER_03: What did I miss overnight?
• 28:16
  SPEAKER_03: You know, what what do my text messages say?
• 28:18
  SPEAKER_03: Um, you know, I answer my phone.
• 28:20
  SPEAKER_03: If I'm awake, I answer the phone.
• 28:23
  SPEAKER_01: So yeah, I know I'm the same.
• 28:25
  SPEAKER_01: I try because um, I don't know if you've heard this along the way as your entrepreneurship and business owner, but where they're like, you gotta set out boundaries and don't respond after this time.
• 28:34
  SPEAKER_01: I'm like, I always feel guilty if I'm holding my phone and I see a message come through from a client.
• 28:39
  SPEAKER_01: I'm a I mean it's 11:30, but I am holding my phone and I'm awake.
• 28:43
  SPEAKER_01: So I do tend to respond.
• 28:45
  SPEAKER_03: So for me, what I've always said is insurance doesn't happen nine to five.
• 28:49
  SPEAKER_03: Right.
• 28:49
  SPEAKER_03: So the house isn't gonna burn down between nine and five.
• 28:52
  SPEAKER_03: And if you call me on a Sunday morning because something's on fire, you want to talk to me.
• 28:57
  SPEAKER_03: Right.
• 28:57
  SPEAKER_01: You don't want to wait till Monday.
• 28:59
  SPEAKER_03: No, and we do have a customer service line that's open 24-7, and they are wonderful and they're actual people.
• 29:05
  SPEAKER_03: Um, but you want to talk to me because I'm the one that is is responsible for you.
• 29:11
  SPEAKER_03: And for me, that's really, really important.
• 29:13
  SPEAKER_03: And it's why most clients have my cell phone number and I tell them, do not abuse it or I will block you.
• 29:18
  SPEAKER_03: Yeah.
• 29:18
  SPEAKER_03: But if you legitimately need something, or you want you to be able to get a hold of me.
• 29:23
  SPEAKER_03: Yeah, or people will buy cars on their weekend, you know, their weekends or whatever.
• 29:26
  SPEAKER_03: And I'm like, just text me a copy of your, you know, your sales paperwork, I'll get it added.
• 29:30
  SPEAKER_03: You have coverage for 30 days automatically.
• 29:33
  SPEAKER_03: Drive home and enjoy your ride.
• 29:34
  SPEAKER_03: Right.
• 29:35
  SPEAKER_03: Um, yeah.
• 29:36
  SPEAKER_03: So for me, that's a big, big, big deal.
• 29:38
  SPEAKER_03: Yeah, and it sets us apart because they're used to 1-800, you know, go insurance and they're, you know, they're, you know, they're talking to a different person every time.
• 29:47
  SPEAKER_03: I bet that person doesn't know the name of your kids and your dogs.
• 29:50
  SPEAKER_03: Right.
• 29:50
  SPEAKER_03: Um, or I care.
• 29:51
  SPEAKER_03: I do, or care.
• 29:52
  SPEAKER_01: And you actually care about the name of the kids and the dogs.
• 29:55
  SPEAKER_03: And also, we do, and we've thrown a client appreciation party almost every year since I've started.
• 30:00
  SPEAKER_03: And we do a big party once a year.
• 30:02
  SPEAKER_03: We just did it a couple weeks ago.
• 30:03
  SPEAKER_03: I buy dinner for everybody.
• 30:05
  SPEAKER_03: Used to be out at Heiser's Pumpkin Patch um just because it was uh such a phenomenal place for us to go, still is a phenomenal place, but we just had shifted like before COVID, and then COVID kind of kicked in, and then it's just we've been trying to get back to it.
• 30:17
  SPEAKER_03: But we appreciate those people that actually choose us because you don't have to choose us, right?
• 30:22
  SPEAKER_03: But I have a fabulous staff.
• 30:24
  SPEAKER_03: I got five girls that work with me, and we all care and want the best for our clients, and so I feel like we do.
• 30:31
  SPEAKER_03: We're diff we're different.
• 30:32
  SPEAKER_01: Yeah, no, I love that.
• 30:34
  SPEAKER_01: And it is we are in the relationship business, like, and the things that you cover are like their most important assets.
• 30:41
  SPEAKER_01: Like, if something goes wrong with it, that's like their livelihood, it's their home, it's how they get to work to get their livelihood, it's their family.
• 30:48
  SPEAKER_01: So it is important to not be like, hey, can you call me on Monday?
• 30:52
  SPEAKER_01: Yeah, it's like, no, if something's going on, they want to talk to you now.
• 30:55
  SPEAKER_03: Our tagline has been ensure what you love.
• 30:57
  SPEAKER_03: Um I don't know, almost since the beginning.
• 31:00
  SPEAKER_03: Yeah.
• 31:00
  SPEAKER_03: Had a really smart marketing team at one point in time.
• 31:03
  SPEAKER_03: Um, and uh so for us, that is, you know, what do you love?
• 31:08
  SPEAKER_03: Yeah, that you want to take care of.
• 31:10
  SPEAKER_03: And, you know, that's something that you know people forget about.
• 31:12
  SPEAKER_03: You know, there's home, auto, blah, blah, blah.
• 31:15
  SPEAKER_03: You know, but you have to protect your savings and you have to protect your assets and you have to protect your family and your kids.
• 31:21
  SPEAKER_03: You know, life insurance piece is always missed.
• 31:23
  SPEAKER_03: Um, people just don't think about it, and it's so important.
• 31:26
  SPEAKER_01: Well, and I think with life insurance, um, so I'm in my 40s.
• 31:30
  SPEAKER_01: I feel like a lot of people in my age, if they haven't gotten it yet, they're like, well, it's too late for me, it'll be too expensive now.
• 31:35
  SPEAKER_01: Like, what would you say to that person?
• 31:38
  SPEAKER_01: Absolutely not.
• 31:39
  SPEAKER_03: Absolutely not.
• 31:40
  SPEAKER_03: I literally just had an 86-year-old referred to me yesterday.
• 31:42
  SPEAKER_03: See?
• 31:42
  SPEAKER_03: Yes.
• 31:43
  SPEAKER_03: And the reality is is that if something happens to your spouse, if you're married or, you know, whatever, like who is dependent on you?
• 31:50
  SPEAKER_03: Right.
• 31:51
  SPEAKER_03: Like, you don't want them relying on a GoFundMe to, you know, bury you or throw you or party, you know, and what about the bills?
• 31:58
  SPEAKER_03: And what about, you know, the income replacement that is now missing immediately.
• 32:02
  SPEAKER_03: Totally.
• 32:03
  SPEAKER_03: And everybody like already like underwrites themselves and outprices themselves without even asking.
• 32:09
  SPEAKER_03: Um, and so it's just because you, you know, uh are maybe a little mildly depressed and have a pill, you know, that makes you happy every day, doesn't mean you don't qualify for life insurance.
• 32:20
  SPEAKER_03: Right.
• 32:21
  SPEAKER_03: Like that absolutely is not the case.
• 32:23
  SPEAKER_03: And term insurance is a great solution and it's cheap.
• 32:27
  SPEAKER_03: And you know, it's there's other there's so much that you can do with life insurance.
• 32:30
  SPEAKER_03: It's really an amazing product.
• 32:32
  SPEAKER_03: Um, but it's just I highly encourage people to a not rely on their work, you know, benefits because if you get fired, those go with it, and it's usually not enough to cover much of anything.
• 32:43
  SPEAKER_03: Right.
• 32:43
  SPEAKER_03: And sometimes they're just accident policies, and you have to die a certain way within a certain amount of time, or it it doesn't it doesn't, it doesn't count.
• 32:50
  SPEAKER_03: Right.
• 32:50
  SPEAKER_03: To me, that's sugar on top.
• 32:52
  SPEAKER_03: There's they're the sprinkles on the ice cream.
• 32:54
  SPEAKER_03: You actually need a plan that you own and control.
• 32:56
  SPEAKER_01: Yeah, yeah.
• 32:56
  SPEAKER_01: What are some of you mentioned the pill to make you happy?
• 32:59
  SPEAKER_01: I think that's a big myth for life insurance.
• 33:02
  SPEAKER_01: What's another um big myth that you'd like to tackle around life insurance that you think a lot of people believe?
• 33:07
  SPEAKER_01: People think it's horrifically expensive.
• 33:09
  SPEAKER_03: Um, and that is a huge one because it's it just isn't sometimes yes, yeah.
• 33:14
  SPEAKER_01: Sometimes it's well, and the truth is it is more expensive as you get older as you get older because it you need it more likely as you get older, like anything else, but it's not like it's quadruple.
• 33:25
  SPEAKER_03: No, um, no, not necessarily.
• 33:27
  SPEAKER_03: I mean, the 86-year-old just gonna be a little expensive for sure.
• 33:30
  SPEAKER_03: Um, but because we have to do whole life for her.
• 33:32
  SPEAKER_03: We don't, she doesn't qualify for a term policy anymore.
• 33:35
  SPEAKER_03: Um, smoking tobacco, those kind of things, people are like, Well, yeah, but I only do it like every once in a while.
• 33:40
  SPEAKER_03: I'm like, if you do it, you are a you're proud, you're well, you're you're a smoker or you're a chewer, and like the zen packets are like really big right now.
• 33:50
  SPEAKER_03: Those have nicotine in them, you know, and so what about like the vape, like vaping?
• 33:54
  SPEAKER_01: Yep, same thing.
• 33:55
  SPEAKER_01: It just sounded so old right now.
• 33:56
  SPEAKER_01: The vape.
• 33:57
  SPEAKER_01: I know.
• 33:57
  SPEAKER_01: What about that vape?
• 33:58
  SPEAKER_03: Yeah, if there's nicotine in it, it's it counts.
• 34:01
  SPEAKER_03: Yeah.
• 34:02
  SPEAKER_03: If if it's like some of them are from what I understand, um don't have any of that stuff in it, and it's fine.
• 34:07
  SPEAKER_03: Um, I still encourage you to stop before we do any sort of testing or applications.
• 34:11
  SPEAKER_01: Sure.
• 34:12
  SPEAKER_01: Yeah.
• 34:12
  SPEAKER_01: What kind of testing is involved then?
• 34:14
  SPEAKER_03: Um, it depends on the amount and your age.
• 34:16
  SPEAKER_03: So it could be nothing because we can do um instant issue policies for under a half million if you're super healthy, you're not on any meds, nothing pops up that's weird in like the it's kind of like an AI underwriting.
• 34:29
  SPEAKER_03: Um, but if you do, then sometimes it's just like a urinalysis and we send the paramed to your house.
• 34:34
  SPEAKER_03: You know, they take blood pressure, they might do an EKG if you need it, um, you know, you tinkle in a cup, and sometimes it's it's blood.
• 34:42
  SPEAKER_03: Sure.
• 34:42
  SPEAKER_03: Yeah.
• 34:43
  SPEAKER_03: Rarely have I ever had anybody have to go to the doctor and do like a stress test where they like hook you to the monitor.
• 34:49
  SPEAKER_03: We want to know the truth.
• 34:50
  SPEAKER_03: Yeah.
• 34:51
  SPEAKER_03: Run, boy, run.
• 34:52
  SPEAKER_03: Um, can his heart handle it?
• 34:54
  SPEAKER_03: It's not it's not invasive.
• 34:56
  SPEAKER_03: Um, I do have people that are terrified of needles, and so we have to be a little bit creative.
• 35:02
  SPEAKER_03: Sometimes we put writers on a spouse's policy to cover you.
• 35:05
  SPEAKER_03: Sometimes we just do the bare minimums that you can qualify without any of it.
• 35:09
  SPEAKER_03: Um, it always amazes me when it's women that are mothers that are the ones that are terrified of the needles because I'm like, That's so funny.
• 35:15
  SPEAKER_01: You have well, and they take your blood like nonstop.
• 35:18
  SPEAKER_01: I know, I know.
• 35:18
  SPEAKER_01: So that's funny.
• 35:19
  SPEAKER_01: Yeah, I didn't actually like needles that much until I got pregnant with my daughter.
• 35:24
  SPEAKER_01: And then because they take your blood so much, I was like, Oh my.
• 35:27
  SPEAKER_01: And then once you push a human out of yourself, you're like, Bring on the needles.
• 35:30
  SPEAKER_01: Yeah, nothing really cares about what you're done.
• 35:32
  SPEAKER_03: There's no humility left.
• 35:33
  SPEAKER_01: Yeah, you're like, I don't care anymore.
• 35:35
  SPEAKER_01: Yeah, that's so funny.
• 35:36
  SPEAKER_03: Yeah, I will say that life insurance is probably my biggest soapbox that I stand on because I see the devastation of a family after the unthinkable has happened and the tragedy has happened.
• 35:47
  SPEAKER_03: And they're like, now what do we do?
• 35:49
  SPEAKER_03: We have to move back in with my parents.
• 35:51
  SPEAKER_03: We're now having we're homeless.
• 35:53
  SPEAKER_03: Uh I mean, there's so many different things, and um, it's worth the conversation.
• 35:58
  SPEAKER_03: And it's, you know, and sometimes like, well, the rate's so high because I chew or I smoke.
• 36:02
  SPEAKER_03: I'm like, well, then stop.
• 36:04
  SPEAKER_01: Yeah.
• 36:04
  SPEAKER_03: Like it stop.
• 36:05
  SPEAKER_03: Like the cost of that will pay for your policy.
• 36:08
  SPEAKER_03: Right.
• 36:08
  SPEAKER_03: Period.
• 36:09
  SPEAKER_03: Right.
• 36:09
  SPEAKER_01: So Well, and what about I know this is definitely not a topic people like to talk about, but it's actually pretty important too, is life insurance on your kiddos.
• 36:18
  SPEAKER_03: Uh, all day long.
• 36:19
  SPEAKER_03: Um, my kids have had life insurance on them since I started.
• 36:23
  SPEAKER_03: And I like we have a brand new grandson, he uh he's two months old, and um I think the week after he was born, I put a big policy on him um whole life um because of the benefits of it.
• 36:34
  SPEAKER_03: So it ensures their health forever.
• 36:36
  SPEAKER_03: Um, I've had people that have come in and their kids have been diagnosed with ADD or autism or something like that.
• 36:43
  SPEAKER_03: I can't put insurance on them.
• 36:45
  SPEAKER_03: They now disqualify.
• 36:46
  SPEAKER_01: But if they had it before, yes, they would have grandfathered in.
• 36:49
  SPEAKER_03: Yes, they'd be grandfathered in and there's no diagnosis.
• 36:53
  SPEAKER_03: Um, so it ensures their health forever.
• 36:55
  SPEAKER_03: Um, there's cash that grows inside of it that you can utilize for whatever you want.
• 37:01
  SPEAKER_03: Yeah.
• 37:01
  SPEAKER_03: So like I opted to do whole life instead of 529 plans for my kids because I'm like, what if they don't go to college?
• 37:06
  SPEAKER_03: Right.
• 37:07
  SPEAKER_03: Then, you know, you take a penalty pulling the 529 plan out or you roll it to another kid.
• 37:11
  SPEAKER_03: Whereas if it's in a whole life policy, they can pull it out to buy a house, they can pull it off to travel around the world if that's what they want to do.
• 37:18
  SPEAKER_03: You know, mom has to approve it to to you know, first is not to pay off your credit card because you ran it up because you had a night of drinking.
• 37:25
  SPEAKER_03: Right.
• 37:26
  SPEAKER_03: Um, those kind of things.
• 37:27
  SPEAKER_03: But you know, it's also for like parents that are having to co-sign for like student loans because if something happens to your kid, God forbid, you're the one that has to pay that back.
• 37:36
  SPEAKER_03: And so I've encouraged parents that have kids going to college that they put a small policy on them.
• 37:41
  SPEAKER_03: You know, put a hundred thousand dollars on them, it'll cost you less than a hundred bucks a month.
• 37:45
  SPEAKER_03: And not only are they making money on the policy, but now it's protecting you just in case.
• 37:49
  SPEAKER_03: And what a cool thing for them for them to have.
• 37:51
  SPEAKER_03: You are setting them up with a legacy that, you know, like with my grandson, like if he never spents the money that that we're putting into this, which we're only paying for it for 20 years, because then the policy is paid up.
• 38:02
  SPEAKER_03: It's like paying off a house, right?
• 38:03
  SPEAKER_03: Still own the house, but you're still, you know, equity is still growing.
• 38:07
  SPEAKER_03: He'll have seven figures by the time he's 60 or 65.
• 38:11
  SPEAKER_03: What a cool thing to leave for him.
• 38:12
  SPEAKER_01: And it's tax-free.
• 38:14
  SPEAKER_01: Right.
• 38:14
  SPEAKER_01: What is the cutoff for being able to do whole life?
• 38:17
  SPEAKER_03: You have to medically qualify for it.
• 38:19
  SPEAKER_03: So it doesn't there's no age, there's no age limit.
• 38:21
  SPEAKER_01: Okay, so like that as long as you can medically qualify for it.
• 38:25
  SPEAKER_01: Oh, that's good to know.
• 38:26
  SPEAKER_01: Yeah.
• 38:26
  SPEAKER_01: Because I think some people think like, well, my kid's 18 now, so I can I can only do this.
• 38:31
  SPEAKER_01: Absolutely.
• 38:31
  SPEAKER_03: Yeah.
• 38:31
  SPEAKER_03: I just had one of my um longtime clients ask me about putting life insurance on his parents, and I'm like, well, they have to agree.
• 38:37
  SPEAKER_03: We can't just put a policy in, you know, um on mom and dad.
• 38:40
  SPEAKER_01: We you know, I'm like, they have to be able to qualify and then you know otherwise murderers would do that all the time, by the way.
• 38:46
  SPEAKER_03: Yeah, and I mean, and here's what he's looking at because we've had this conversation several times is in our policies in particular, there's a chronic care and a terminal illness writer on it.
• 38:55
  SPEAKER_03: So we are able to use it for like a long-term care type situation.
• 38:58
  SPEAKER_03: So if they do go into a home, they want to hire somebody to come into the home, as long as they are chronically or terminally ill, according to a doctor, we will release either up to 80% of the death benefit or the cash that is accrued in that account.
• 39:11
  SPEAKER_00: Okay.
• 39:11
  SPEAKER_03: Yeah, it is a marvelous alternative to a long-term care policy, in my opinion, because those are not steady.
• 39:18
  SPEAKER_03: Um, just because you sign on to one doesn't mean it's gonna stay the same price.
• 39:21
  SPEAKER_03: Whereas life insurance is a contract, it stays the same price until you die.
• 39:26
  SPEAKER_01: Thinking about selling, but waiting for the perfect time?
• 39:29
  SPEAKER_01: That's cute.
• 39:30
  SPEAKER_01: Let's run the numbers and I can tell you when the perfect time would actually be, or if it's the right time for you.
• 39:36
  SPEAKER_01: I think um some myths that I've heard too is like when people get nervous about life insurance is like, well, what if I take a life insurance policy with country financial and then country financial dissolve someday, like when I'm 30 years down the road?
• 39:48
  SPEAKER_01: What happens to it?
• 39:49
  SPEAKER_03: Um well, we won't.
• 39:50
  SPEAKER_03: Um but but not yes, I was just using you as an example.
• 39:54
  SPEAKER_03: Yeah, but according to to law, we have to put basically a dollar for, I mean, we basically have to put that death benefit in an account that goes to um, I don't know if it stays with the state or it stays, but it has to be set aside.
• 40:06
  SPEAKER_03: So it can't just go it doesn't go poof vanish if a business closes that the exons of the world that close the doors or whatever it was.
• 40:14
  SPEAKER_03: Exxon's not the right one.
• 40:14
  SPEAKER_03: But Enron.
• 40:15
  SPEAKER_03: Enron.
• 40:16
  SPEAKER_03: Enron.
• 40:16
  SPEAKER_03: It was I was close.
• 40:17
  SPEAKER_03: Yeah, wrong letters.
• 40:18
  SPEAKER_03: Yeah.
• 40:19
  SPEAKER_03: Um, you know, poof, and then all your stuff's gone.
• 40:22
  SPEAKER_03: Yeah, um, life insurance is is mandated by by law to be set aside.
• 40:26
  SPEAKER_03: You may not get all your cash in it that has grown like a whole life policy, but the the base death benefit will be there.
• 40:33
  SPEAKER_01: Yeah, but I think that's important to also like research the different companies that you're working with.
• 40:39
  SPEAKER_03: You need an A plus company, yeah.
• 40:40
  SPEAKER_03: Period.
• 40:41
  SPEAKER_01: Yeah.
• 40:41
  SPEAKER_03: And not every policy is the same.
• 40:43
  SPEAKER_03: Like our whole life policy, in my opinion, is far above everybody else's.
• 40:46
  SPEAKER_03: We were number one with Forbes two years ago.
• 40:49
  SPEAKER_03: That's a huge accolade for us to have.
• 40:52
  SPEAKER_03: Um, I really caution people on universal life policies because they are sold at a very high they're not always they're not always illustrated right, and it makes it look like you're gonna get rich and you don't.
• 41:04
  SPEAKER_03: There are really good ones out there, and it's not even just with us, there are other companies that do it really well.
• 41:09
  SPEAKER_03: Um, but definitely research it.
• 41:10
  SPEAKER_03: Um, ask the questions, educate yourself on it first.
• 41:14
  SPEAKER_01: Um do you just service Oregon?
• 41:16
  SPEAKER_01: Like if anybody was listening, we have listeners from all over, but if they had questions and wanted to reach out to you, do you can you only answer Oregon questions or can you point them in the right direction?
• 41:26
  SPEAKER_03: Um, I'm licensed currently in 10 states.
• 41:28
  SPEAKER_03: I'm currently dropping two states.
• 41:30
  SPEAKER_03: So if you are in Alaska or Alabama, I'm going to use you next month unless unless you call me now.
• 41:37
  SPEAKER_03: Um but um we are uh we can be licensed in 24 of the states.
• 41:42
  SPEAKER_03: Um 50, I'm licensed in 10.
• 41:44
  SPEAKER_03: So um currently Alaska, um, Idaho, Washington, Oregon, Arizona, Nevada, Georgia, Alabama, Tennessee, and Illinois.
• 41:53
  SPEAKER_01: Okay.
• 41:53
  SPEAKER_03: So I'm a little bit smattered.
• 41:55
  SPEAKER_03: And usually those weird ones, it's because a client has moved there and they don't they don't want a new agent.
• 42:00
  SPEAKER_03: Yeah, they want me.
• 42:01
  SPEAKER_03: It speaks volumes.
• 42:02
  SPEAKER_03: It does, it speaks huge volumes, and my licensing there costs more than the commission that I get off their premiums, but it doesn't really matter.
• 42:08
  SPEAKER_03: Right.
• 42:09
  SPEAKER_03: Please just share me with your friends.
• 42:10
  SPEAKER_03: Right.
• 42:10
  SPEAKER_03: You know, make it make this worth it for me.
• 42:12
  SPEAKER_03: And sometimes they do and sometimes they don't.
• 42:14
  SPEAKER_03: Yeah, but it I we we love them, so we just leave it as is.
• 42:18
  SPEAKER_03: Yeah, yeah, we take care of them.
• 42:19
  SPEAKER_01: I love that.
• 42:20
  SPEAKER_01: Yeah, thank you so much for your time today.
• 42:22
  SPEAKER_01: You absolutely are wealth of knowledge, and I appreciate it.
• 42:24
  SPEAKER_01: Next time we'll have to chat all things wine.
• 42:27
  SPEAKER_01: But I just have so many insurance questions today that I wanted to ask you, but I really appreciate you.
• 42:32
  SPEAKER_01: One more time will you tell everybody the name of your podcast?
• 42:35
  SPEAKER_03: Podcast is WineCrush Podcast.
• 42:36
  SPEAKER_01: And how can they find you um on like Instagram or oh Instagram is under insure what you love, so that's my insurance side of it.
• 42:45
  SPEAKER_03: Um, WineCrush Podcast is the podcast, and then Heidi Moore-PNW, I think.
• 42:52
  SPEAKER_03: But they're all links.
• 42:54
  SPEAKER_03: So if you find WineCrush Podcast or Insure What You Love, you'll find me.
• 42:57
  SPEAKER_03: So they all have different vibes.
• 42:58
  SPEAKER_01: Yeah, well, and don't hesitate to reach out to her.
• 43:01
  SPEAKER_01: She knows what she's talking about and she likes to be a resource.
• 43:04
  SPEAKER_01: Thank you so much.
• 43:05
  SPEAKER_01: Cheers to you.
• 43:06
  SPEAKER_03: Thank you for the invite.
• 43:07
  SPEAKER_01: Yeah, and thank you for listening or watching.
• 43:09
  SPEAKER_01: We'll see you next time.
• 43:10
  SPEAKER_01: Bye.