In this episode of the Built Simple Podcast, host Adam Brsan dives into the critical topics of contracts, transparency, and the importance of asking questions in the final expense insurance industry. Inspired by a recent podcast featuring an ex-Senior Life agent who lost her renewals after leaving the company, Adam reflects on his own 11.5 years with Lincoln Heritage and the similarities between these semi-captive carriers. He discusses the do’s and don’ts of agency contracts, the consequences of recruiting agents to new carriers, and why understanding the fine print is essential for protecting your renewals and building a sustainable business. Adam shares personal insights from his career, including an email exchange with Lincoln Heritage about safeguarding his renewals, and emphasizes the need for uplines to be transparent with their agents. Whether you’re an agent or agency owner, this episode offers valuable advice on navigating the complexities of insurance contracts and avoiding costly mistakes.

Key Takeaways:

• Why Senior Life and Lincoln Heritage operate as semi-captive carriers and what it means for agents.

• The importance of understanding contract terms to protect your renewals.

• How transparency from uplines can prevent misunderstandings and financial losses.

• Adam’s personal experiences with renewals and agency-building at Lincoln Heritage.

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Timestamps:

• 0:00 Introduction

• 1:30 The Senior Life agent’s story and lost renewals

• 5:00 Comparing Senior Life and Lincoln Heritage

• 10:15 The role of TV leads and semi-captive models

• 15:00 Adam’s experience building an agency at Lincoln Heritage

• 20:30 Understanding contract rules and renewals

• 25:45 Transparency and the upline’s responsibility

• 30:00 Final thoughts and advice for agents

#Insurance #FinalExpense #BusinessTips #Transparency #AgencyBuilding #BuiltSimplePodcast

In this episode of "Built Simple", I share a personal story from a day ice skating with three of my kids and how it mirrors the challenges of working with insurance agents. My oldest child, a confident skater, tempted me to focus on fun, while my middle child needed occasional help, and my youngest required constant support to stay upright. This experience sparked a realization about prioritization: just like on the ice, we can’t only focus on the top performers—those “easy wins”—at the expense of the team members who need guidance most.

Drawing parallels to managing agents, I explore how to balance attention between rockstar performers, steady-but-wobbly middle players, and struggling newbies. The bigger lesson? Tackling the hardest tasks first—whether it’s coaching a rookie agent or diving into a tough project—sets the stage for long-term success, rather than procrastinating with quick fixes. Tune in for a practical takeaway to rethink your focus, ensuring your whole “rink”—team or task list—moves forward together.

In this episode of the newly rebranded *Built Simple Podcast*, host Adam Brsan takes us on a personal and professional journey inspired by a lighthearted moment with his daughter during a game of ping pong. When she proudly declared, "I'm just built different" after scoring a point, Adam found himself reflecting on his own approach: "I think I'm just built simple." This revelation sets the tone for a candid discussion about the power of simplicity in both business and family life.

Adam dives into his career in the insurance industry, sharing how his greatest successes have stemmed from focusing on one product, one company, and mastering it before teaching others. He contrasts this with the overwhelm of managing multiple carriers and the complexities of the broker route—challenges that left him discouraged and stretched thin. From battling cumbersome contracting processes to facing roll-up debt from agents writing bad business, Adam explains why he’s returning to what he does best: keeping it simple.

Beyond business, Adam opens up about his family’s homebody lifestyle—fishing at the lake across the street, playing basketball with the kids, and cherishing quiet moments together. When he suggested a vacation to his daughter, her response—"Why? I just like being home"—reinforced his belief that simplicity brings contentment.

Tune in for an honest reflection on avoiding overcomplication, the pitfalls of treating companies like mere "carriers," and Adam’s renewed mission to help agents succeed through focus and clarity. Plus, get a sneak peek at upcoming guests and trainings as the *Built Simple Podcast* continues to grow.