Captain INSano 🗣️

Asking questions 24/7 - 365 days a year & 1 more on leap years #InsurX

[Captain INSano 🗣️ @CaptainINS_ano]

This is the best tweet of all time.

[7/11 Truther @DaveMcNamee3000]

The little rascals sneaking into an R rated movie

[Captain INSano 🗣️ @CaptainINS_ano]

@Lint12thaccount @divotdudesgolf Those who can’t do, teach. You’d be surprised by how many country club pros can’t break 80.

[Captain INSano 🗣️ @CaptainINS_ano]

Ain’t it crazy we all have ancestors who were cavemen hunting down wooly mammoth’s to provide for their fam

& you get anxiety about cold calling??!!

[Captain INSano 🗣️ @CaptainINS_ano]

It’s such a rare trait to just do the things that need to be done. If you just do it – you are probably better off than 90% at least

[Captain INSano 🗣️ @CaptainINS_ano]

@matthewqueen84 Someone who gets it 🤣🤣 this was my thought process

[Captain INSano 🗣️ @CaptainINS_ano]

I’m talking I just see on Facebook someone saying they have a $50k - $500k in premium book to sell & the comments are flooded. Just makes me question why?

It seems like a solo agency type thing who gave it a shot for a year & puts their book up for sale to answer your question. Not a larger deal.

[Captain INSano 🗣️ @CaptainINS_ano]

I see people selling their book with as low as $50k - $300k in premium. Is there always a buyer these days? Seems like a 2-4 multiple at that.

This might be a dumb question… but can anyone explain why someone might want to buy that persons book?

& for the seller…

Do they just accept a check & transfer the book & deal is done?

[Captain INSano 🗣️ @CaptainINS_ano]

So proud of my 5 yr old niece.

She sold a Capri Sun for $5 at a yard sale.

Supply & demand, baby.

[Captain INSano 🗣️ @CaptainINS_ano]

An old friend of mine from HS just bought an inflatable bounce house for their kid & just had the business idea to rent it out to others for bday parties.

I mentioned they should get insurance for this

& they said “no this is only a side gig thing. I don’t need insurance now”

I feel like this is the biggest foreshadowing to an “I told you so moment” I’ve ever experienced

[Captain INSano 🗣️ @CaptainINS_ano]

@cjhuts This generations closest thing to Einstein.

[Captain INSano 🗣️ @CaptainINS_ano]

Went to the doctor for the first time in 3 years today. Now that I have a kid & another one on the way – my priorities are starting to change.

~health is wealth~ 😤💰

[Captain INSano 🗣️ @CaptainINS_ano]

@dbescky Texas

[Captain INSano 🗣️ @CaptainINS_ano]

Anybody have any life insurance tips for someone who had stage II breast cancer?

My aunt had stage II breast cancer. Last treatment date was 3/10/25.

Age at onset: 37

Last mammogram: 3/10/25 showed no evidence of disease

All carriers responded with will need at least 3 years before we can submit an application. Looking to get her a term policy.

I figured this was the case, but I’m all ears if anyone has any tips for someone who had cancer looking to get life insurance. I have personally never dealt with this situation before.

[Captain INSano 🗣️ @CaptainINS_ano]

I feel like I’m watching the downfall of an agency I follow happen right before my eyes. Randomly just opened 3 new office locations. Looking to hire multiple CSR/admin’s & sales people commission only.

I hope I’m wrong & this dude is actually crushing it, but I’ve seen this play out a time or two when an agency gets ahead of themselves trying to scale too quickly.

[Captain INSano 🗣️ @CaptainINS_ano]

So it’s a good practice in the sense of creating a psychological barrier for the person signing it thinking they can’t make a claim/take them to court because they signed the waiver? They don’t hold any real weight other than hopefully preventing someone to make a claim?

Had to ask chatgpt 20 different ways to come up with this thought

[Captain INSano 🗣️ @CaptainINS_ano]

Can someone explain how waivers & insurance work together?

For example:

A moving company that has you sign a waiver saying we are not responsible for damaging your property

A fencing company that has you sign a waiver saying they are not responsible for hitting any underground lines

Do these waivers actually allow any damages to not fall back on them? Only if it’s negligent? How far can these waivers actually protect the company?

[Captain INSano 🗣️ @CaptainINS_ano]

@KKintheSip Can you explain a little further?

[Captain INSano 🗣️ @CaptainINS_ano]

@RBIAgent Can you explain a little further?

[Captain INSano 🗣️ @CaptainINS_ano]

My kid is padding the stats.