#89 Life Changes, Insurance Changes

Robert and Da’Sha talk about their experiences in Panama over Christmas and New Year’s. Robert visits the farmacia to treat skin mites, battles with an Airbnb host over hospitality and fire safety issues, purchases a bottle of Hendrix Amazonia at the PTY duty free shop, and cheats death in a taxi in Playa Banca. Robert’s review of one of their the Panama City airbnbs: https://www.airbnb.com/rooms/1440764624744720649?viralityEntryPoint=1&s=76 BMFCE: Insurance producers and adjusters can earn insurance continuing education credit listening to Robert’s live webinars. No test required for credit! BMFCE.com.

The enhanced Obamacare subsidies are scheduled to expire at the end of the year, and people are anxious about health insurance. Maybe the real solution isn’t more subsidies dumped into a broken system. Instead, maybe it’s separating the markets: one system built explicitly, transparently, and honestly to cover people who need guaranteed, comprehensive care—funded through taxes and direct subsidies—and another system that allows healthy individuals to buy true insurance that is priced based on risk, choice, and personal tradeoffs. BMFCE: Insurance producers and adjusters can earn insurance continuing education credit listening to Robert’s live webinars. No test required for credit! BMFCE.com.

Robert is in Panama for December 2025. He remarks on the changes in his life over the past several months and how the insurance he needs changes with it. BMFCE: Insurance producers and adjusters can earn insurance continuing education credit listening to Robert’s live webinars. No test required for credit! BMFCE.com.

Robert is joined by Eddie Velez to talk about changes in Medicare plans for 2026. Find Eddie Velez and his services at https://yourcarerep.com/ BMFCE: Insurance producers and adjusters can earn insurance continuing education credit listening to Robert’s live webinars. No test required for credit! BMFCE.com.

Robert tours the historical sites in Lima, Peru and finds the human remains buried in the catacombs. The costs for people to be buried there were considerable, and they had to pay it without the benefit of modern burial insurance. BMFCE: Insurance producers and adjusters can earn insurance continuing education credit listening to Robert’s live webinars. No test required for credit! BMFCE.com. The show is supported by Mercury Protect. Protect against those pricey unexpected auto repair headaches. Mercury offers a Monthly Vehicle Repair Plan that never expires with time or mileage. These plans include 24-hour roadside assistance and rental vehicle assistance. Mercury has been protecting vehicles since 1974, with over $6.7 billion in assets, Mercury will be there when you need them. Click for a quote!

Robert is visiting Lima, Peru and becomes the target of a common street scam.  BMFCE: Insurance producers and adjusters can earn insurance continuing education credit listening to Robert’s live webinars. No test required for credit! BMFCE.com. The show is supported by Mercury Protect. Protect against those pricey unexpected auto repair headaches. Mercury offers a Monthly Vehicle Repair Plan that never expires with time or mileage. These plans include 24-hour roadside assistance and rental vehicle assistance. Mercury has been protecting vehicles since 1974, with over $6.7 billion in assets, Mercury will be there when you need them. Click for a quote!

Robert catches up with Da'Sha about a variety of topics including disability income insurance, vaccine mandates for school children, and what to do with his remains if he dies overseas. BMFCE: Insurance producers and adjusters can earn insurance continuing education credit listening to Robert’s live webinars. No test required for credit! BMFCE.com. The show is supported by Mercury Protect. Protect against those pricey unexpected auto repair headaches. Mercury offers a Monthly Vehicle Repair Plan that never expires with time or mileage. These plans include 24-hour roadside assistance and rental vehicle assistance. Mercury has been protecting vehicles since 1974, with over $6.7 billion in assets, Mercury will be there when you need them. Click for a quote!

Robert is planning a trip to Peru and Panama. He is joined on the podcast by Jonna Hudson, a travel insurance professional, to get recommendations on how he can insure some of the key risks he may face on his trips. BMFCE: Insurance producers and adjusters can earn insurance continuing education credit listening to Robert’s live webinars. No test required for credit! BMFCE.com. The show is supported by Mercury Protect. Protect against those pricey unexpected auto repair headaches. Mercury offers a Monthly Vehicle Repair Plan that never expires with time or mileage. These plans include 24-hour roadside assistance and rental vehicle assistance. Mercury has been protecting vehicles since 1974, with over $6.7 billion in assets, Mercury will be there when you need them. Click for a quote!

Robert is joined by Cece Denno, excess and surplus lines insurance market expert. The two talk about the interesting things E&S can cover that admitted carriers do not, the brokers that have special licenses in order to offer these E&S policies, and how some households and businesses may have coverage from a non-admitted carrier and not even realize it. BMFCE: Insurance producers and adjusters can earn insurance continuing education credit listening to Robert’s live webinars. No test required for credit! BMFCE.com. Check out Cece's other podcasts here: Sincerely Yours: https://podcasts.apple.com/us/podcast/sincerely-yours/id1041866300  A Swim Down Memory Lane: https://podcasts.apple.com/us/podcast/a-swim-down-memory-lane-a-umass-farewell-to-bob/id1529542027

Robert talks with Eddie Velez, an insurance professional specializing in Medicare products. He helps seniors find the best program for them, and sometimes, that includes gym memberships paid by the insurer. The next time you see a silver-haired stud pumping iron at L.A. Fitness, he may be taking advantage of his federal benefits. Find Eddie Velez and his services at https://yourcarerep.com/ BMFCE: Insurance producers and adjusters can earn insurance continuing education credit listening to Robert’s live webinars. No test required for credit! BMFCE.com.