The Modern Insurance Agent

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What happens when a millennial couple dives headfirst into the insurance world, scales a million-dollar remote business, and decides to share their journey with the world? You get The Modern Insurance Agent!Join David and Elle Denning as they peel back the curtain on the messy, magical, and often hilarious realities of entrepreneurship. From the joys (and challenges) of working together as a couple to running remote teams and traveling the globe, this podcast is your behind-the-scenes look at building a business and a life you love.

  1. Long-Term Care Insurance Explained: What Agents Miss

    23H AGO

    Long-Term Care Insurance Explained: What Agents Miss

    Send a text Long-term care planning is one of the most misunderstood and most avoided conversations in financial services. And most families don’t fully understand it… until it’s too late. In this episode of The Modern Insurance Agent Podcast, we sit down with Raymond Lavine, Principal of Lavine LTC Benefits, to break down what long-term care insurance actually is, how policies truly function, and why agents often oversimplify one of the most complex and emotional planning conversations. Raymond brings decades of financial services experience, along with a deeply personal perspective. His father required long-term care during his judicial career. His mother an estate planning attorney who lived to 103 relied on her long-term care benefits for 18 years. That lived experience reshaped how Raymond approaches planning, empathy, and education and it changes how agents should approach it too. If you're an insurance agent, financial advisor, or retirement planner, this episode will challenge how you think about long-term care coverage and where it fits inside real financial planning. 🎧 In This Episode, You’ll Learn: 🏥 What long-term care actually covers (and what it doesn’t) 📑 The real mechanics of LTC policies benefit triggers, elimination periods, and benefit periods explained ⏳ When clients should realistically begin planning 📈 Why inflation protection can make or break a policy 💵 What causes premium increases and how to reduce risk 🏠 How home care and facility care differ inside a policy 📝 What the claims process looks like in real life ❌ The biggest misconceptions agents and consumers still have 📊 Where long-term care fits within retirement and estate planning strategies 🔮 The future of long-term care insurance and private vs. government coverage Long-term care isn’t just a product conversation. It’s about dignity. Preparedness. And protecting families during their most vulnerable seasons. Raymond shares tactical insights agents can apply immediately  along with the empathy-driven mindset required to lead these high-stakes conversations the right way. If you want to move beyond surface-level planning and become a trusted advisor in one of the most emotionally significant areas of financial protection, this episode is essential listening. 📧 Connect with Raymond Lavine raymond@lavineltcins.com 🌐 Website 👉 http://www.lavineltcins.com 📚 Amazon Author Page 👉 https://www.amazon.com/author/www.lavineltcins.com Connect with Us: 🔗Download the resources & access the full podcast library – jumpstartgonow.com/podcast Join the Movement of Modern Insurance Agents! Ready to become the agent clients trust and refer to their friends? Start by building your personal brand, using social media effectively, and prioritizing relationships over transactions. Let’s change the way people see insurance one client at a time! 🚀 📢 Join the discussion! Connect with like-minded agents and get exclusive marketing tips in the Marketing for Insurance Agents Facebook Group. jumpstartgonow.com/join-group

    50 min
  2. AI Websites for Insurance Agents: Own Your Leads

    2D AGO

    AI Websites for Insurance Agents: Own Your Leads

    Send a text AI is everywhere in insurance marketing right now. But most agents are still asking the same question… How do I actually use this in my business without breaking everything? In this episode of The Modern Insurance Agent Podcast, we sit down with Dmitriy Cherchenko, Founder & CEO of Wirechunk, to unpack how insurance agents can turn AI from hype into real, durable marketing infrastructure. Dmitriy has helped 1,000+ insurance agencies launch production-ready websites built with structured AI systems designed for long-term SEO growth and organic lead generation. This isn’t an “AI hack” episode. It’s a systems conversation. We break down how to stop renting attention from expensive lead vendors and start owning your digital presence in a way that compounds over time. If you care about predictable inbound leads, marketing control, and building an agency that doesn’t rely on paid traffic forever, this episode is essential listening. 🔎 What You’ll Learn in This Episode ✅ Why most AI website builders fail insurance agents ✅ What “structured AI” actually means and why it matters ✅ How to turn your website into a long-term SEO lead engine ✅ Why owning your domain and content is becoming non-negotiable ✅ How automated blogging and AI-powered content truly works ✅ The biggest mistakes agents make with marketing tech ✅ How to automate parts of your agency without losing the human touch ✅ What a future-proof insurance business looks like in the AI era 🎯 Key Takeaways for Insurance Agents Your website should generate inbound insurance leads not sit online as a digital brochure SEO and organic content compound over time, reducing reliance on paid lead vendors. Structured systems outperform flashy tools every time. AI works best when it simplifies your business not when it adds complexity. Agents who own their marketing infrastructure will win long term. If you’ve been curious about AI in insurance marketing but skeptical of the hype, this episode will give you clarity, strategy, and a practical roadmap. 🌐 Wirechunk for Insurance Agencies 👉 https://wirechunk.com/insurance 🐦 Follow on X 👉 https://x.com/wirechunk 💼 Connect on LinkedIn 👉 https://www.linkedin.com/company/wirechunk/ Connect with Us: 🔗Download the resources & access the full podcast library – jumpstartgonow.com/podcast Join the Movement of Modern Insurance Agents! Ready to become the agent clients trust and refer to their friends? Start by building your personal brand, using social media effectively, and prioritizing relationships over transactions. Let’s change the way people see insurance one client at a time! 🚀 📢 Join the discussion! Connect with like-minded agents and get exclusive marketing tips in the Marketing for Insurance Agents Facebook Group. jumpstartgonow.com/join-group

    52 min
  3. AI, Climate Risk & The Future of Property Insurance

    FEB 12

    AI, Climate Risk & The Future of Property Insurance

    Send a text Is the era of pooled risk ending? As climate risk intensifies from wildfire exposure and flood zones to seismic activity and severe wind  underwriting is shifting toward property-specific risk assessment. The traditional insurance model is being redefined in real time. In this episode of The Modern Insurance Agent Podcast, we sit down with Ben Gilliland, Founder and Chairman of Future Proof Property Intelligence, to explore how AI, aerial imagery, climate modeling, and construction science are transforming insurance at the individual property level. This isn’t theoretical. Ben’s work began on the ground rebuilding homes after catastrophic loss. Those properties were engineered to survive wildfire, flooding, wind, and earthquakes. Many qualified for insurance discounts. Today, those same resilience principles power AI-driven technology helping homeowners maintain insurability in tightening markets. If you're an insurance agent navigating stricter underwriting, shrinking carrier appetites, or rising non-renewals this conversation will fundamentally change how you approach risk. 🎧 What You’ll Learn in This Episode: 🏠 Why insurance is shifting from pooled risk to property-level pricing 🤖 How AI is transforming underwriting, inspections, and risk modeling 📊 What “property-specific risk” really means in practical terms 🛠️ Why mitigation is becoming mandatory not optional 📉 How agents can stay relevant as carriers reduce exposure 💬 The emotional reality of losing insurability and how to lead clients through it ⚠️ What homeowners must do before the next disaster hits 🔥 Key Takeaways for Insurance Agents: Risk is no longer abstract  it’s individualized. AI-driven underwriting will prioritize speed, precision, and mitigation readiness. Agents who understand resilience strategy won’t just sell policies they’ll protect insurability. Waiting to address property-level exposure may mean losing eligibility altogether. Ben bridges construction, insurance, technology, and human experience in a way few leaders can. This isn’t hype about artificial intelligence it’s a grounded look at how climate change, data intelligence, and underwriting reform are already reshaping property insurance. The future of insurability is being decided now. Are you ready? Find out more about Ben through these links: Ben Gilliland on LinkedIn ben-gilliland-ba8978290 FutureProof website https://futureproof.org/ @FutureProof_PI as FutureProof on X x.com/FutureProof_PI futureproofpropertyintel as FutureProof on Instagram instagram.com/futureproofpropertyintel/ Connect with Us: 🔗Download the resources & access the full podcast library – jumpstartgonow.com/podcast Join the Movement of Modern Insurance Agents! Ready to become the agent clients trust and refer to their friends? Start by building your personal brand, using social media effectively, and prioritizing relationships over transactions. Let’s change the way people see insurance one client at a time! 🚀 📢 Join the discussion! Connect with like-minded agents and get exclusive marketing tips in the Marketing for Insurance Agents Facebook Group. jumpstartgonow.com/join-group

    47 min
  4. Sustainable Marketing for Insurance Agents (Without Burnout)

    FEB 10

    Sustainable Marketing for Insurance Agents (Without Burnout)

    Send a text Most insurance marketing advice sounds great… until real life shows up. In this episode of The Modern Insurance Agent Podcast, we sit down with Kelly Spies, a scratch agency owner who built her business from zero clients and zero capital while navigating injuries, lawsuits, COVID shutdowns, hard markets, and extended recovery seasons. Instead of forcing hustle through exhaustion or quitting altogether, Kelly built marketing infrastructure that carried her agency during seasons when she physically and mentally couldn’t show up every day. This conversation is for insurance agents who are tired of being told to “post more,” “film daily,” or “just stay consistent” without anyone acknowledging burnout, capacity limits, or real human constraints. We talk about the truth most marketing conversations avoid: Agents don’t quit because they lack knowledge. They quit because marketing becomes unsustainable. 🎯 What You’ll Learn in This Episode • Why burnout not ignorance is the real reason agents disappear • How to build marketing systems that survive hard seasons and low capacity • The difference between automation and true structural support • How to stay visible without becoming a full-time influencer • Why memes, humor, and storytelling build trust faster than polished content • How systems reduce decision fatigue, panic, and overwhelm • Why mental health is a business issue, not a personal weakness • What sustainable insurance marketing will look like over the next decade Kelly also shares how an accidental taco-themed meme universe became a psychology-driven trust engine because sometimes creativity is the thing that keeps you human in an industry that forgets you are one 🌮 This episode is equal parts strategy, survival, creativity, and truth. If you’ve ever felt behind, burned out, or overwhelmed by marketing advice that ignores reality… this one’s for you. 🌐 Connect with Kelly Spies 👉 https://bytesyze.kspacific.com Connect with Us: 🔗Download the resources & access the full podcast library – jumpstartgonow.com/podcast Join the Movement of Modern Insurance Agents! Ready to become the agent clients trust and refer to their friends? Start by building your personal brand, using social media effectively, and prioritizing relationships over transactions. Let’s change the way people see insurance one client at a time! 🚀 📢 Join the discussion! Connect with like-minded agents and get exclusive marketing tips in the Marketing for Insurance Agents Facebook Group. jumpstartgonow.com/join-group

    55 min
  5. Frozen on Social Media? The Confidence Reset Insurance Agents Need

    FEB 7

    Frozen on Social Media? The Confidence Reset Insurance Agents Need

    Send us a text If you’re an insurance agent who knows social media matters… but freezes the second you try to post this episode is your reset. In this episode of The Modern Insurance Agent Podcast, David and Elle Denning break down why posting feels so intimidating (and why it’s not a personality flaw), plus the exact mindset shifts and simple weekly plan that builds confidence through reps not perfection. This isn’t about becoming an influencer or going viral. It’s about showing up clearly, confidently, and consistently without sounding salesy, scripted, or fake. You’ll learn how to stop treating social media like a performance, start talking like a real human, and generate content instantly by answering the same questions clients already ask you every day. The goal isn’t to go viral. It’s to go first. 🧠 What You’ll Learn in This Episode • Why social media feels scary for insurance agents (and how pressure kills confidence) • The “talk to one person” shift that instantly makes video feel easier • How to post confidently without sounding salesy, fake, or like an influencer • The difference between selling vs. explaining (and why explaining wins trust) • A low-pressure weekly posting plan you can start this week — even if you hate video ✅ The 5-Step Confidence Plan (Do This This Week) 1️⃣ Pick one audience (one niche, one type of client) 2️⃣ Write down 3 real questions they ask you all the time 3️⃣ Choose 1 question and answer it in a face-forward selfie post or quick video 4️⃣ Reply to every comment and start conversations (that’s where momentum lives) 5️⃣ Don’t judge the post. No view-checking spiral. Just notice how it felt to show up Connect with Us: 🔗Download the resources & access the full podcast library – jumpstartgonow.com/podcast Join the Movement of Modern Insurance Agents! Ready to become the agent clients trust and refer to their friends? Start by building your personal brand, using social media effectively, and prioritizing relationships over transactions. Let’s change the way people see insurance one client at a time! 🚀 📢 Join the discussion! Connect with like-minded agents and get exclusive marketing tips in the Marketing for Insurance Agents Facebook Group. jumpstartgonow.com/join-group

    35 min
  6. How Vlad Cherchenko Built a $1M/Month P&C Insurance Agency

    FEB 5

    How Vlad Cherchenko Built a $1M/Month P&C Insurance Agency

    Send us a text What does it really take to scale a P&C insurance agency past $1,000,000 per month in premium and keep it there? In this episode of The Modern Insurance Agent Podcast, we sit down with Vlad Cherchenko, a Farmers Insurance agency owner based in Dallas who has produced $1M+ per month for 12 consecutive months, with recent months reaching $1.5M in P&C premium. This isn’t theory. Vlad is actively running one of the highest-producing P&C agencies in the country right now. We break down the actual systems, metrics, and leadership standards behind seven-figure monthly production and the painful lessons from his first year that forced a complete rethink of sales structure, accountability, and operations. If you’re done with hustle-only advice and want to understand what scalable, repeatable agency growth really looks like, this conversation delivers. 🧠 What You’ll Learn in This Episode • The costly mistakes Vlad made in his first year and how they shaped his agency today • How his sales team is structured for consistent seven-figure monthly production • The weekly metrics he tracks to lead effectively without micromanaging • In-house vs. remote teams and what actually belongs in each • How virtual assistants removed admin bottlenecks and protected leadership time • What most agents misunderstand about scaling sales and people • The leadership standards agency owners avoid and why that caps growth • How faith, family, and long-term thinking influence sustainable success 🎯 Who This Episode Is For ✔ P&C insurance agency owners ✔ Agents trying to scale past inconsistent production ✔ Owners building sales teams and operational structure ✔ Leaders stuck between grinding harder and leading better 🔗 Connect with Vlad Cherchenko: 👉 https://igc2026.com 👉 https://insurancesaleslab.com Connect with Us: 🔗Download the resources & access the full podcast library – jumpstartgonow.com/podcast Join the Movement of Modern Insurance Agents! Ready to become the agent clients trust and refer to their friends? Start by building your personal brand, using social media effectively, and prioritizing relationships over transactions. Let’s change the way people see insurance one client at a time! 🚀 📢 Join the discussion! Connect with like-minded agents and get exclusive marketing tips in the Marketing for Insurance Agents Facebook Group. jumpstartgonow.com/join-group

    51 min
  7. Healthcare Navigation Every Insurance Agent Should Know

    FEB 3

    Healthcare Navigation Every Insurance Agent Should Know

    Send us a text What actually happens after a client enrolls in Medicare? Most insurance agents never find out. And that gap is quietly hurting senior outcomes. In this episode of The Modern Insurance Agent Podcast, we sit down with Katherine Case of Aviator Health, a Medicare-funded healthcare navigation program designed to support seniors after enrollment—where the real challenges begin. This is not insurance, not a lead program, and not a sales pitch. It’s the missing link between coverage and real-life support. Aviator connects seniors with a dedicated, local healthcare navigator often an RN or case manager at no cost to the senior. From coordinating doctor visits and medications to arranging transportation, social support, and long-term care resources, this conversation reveals what Medicare-funded care coordination actually looks like in real life. For insurance agents working in Medicare, life, annuities, or retirement planning, this episode will change how you think about client value, retention, and long-term trust. 🧠 What You’ll Learn in This Episode • Why healthcare navigation is the most overlooked piece of senior care • Where seniors struggle most after Medicare enrollment • How isolation, missed appointments, and lack of coordination impact outcomes • What Medicare-funded care navigation really includes (and what it doesn’t) • How Aviator supports seniors beyond medical care (transportation, social connection, daily-life coordination) • How insurance agents can add massive value without selling another product • Why this approach strengthens trust, retention, and referrals • How to support caregivers and the sandwich generation without burnout 🤝 Why This Matters for Insurance Agents If you’ve ever thought: • “What actually happens to my clients after enrollment?” • “How do I support seniors without overstepping?” • “How do I stand out without being salesy?” This episode gives you a practical, ethical, referral-safe solution that improves senior outcomes and positions you as a long-term partner not just a policy advisor. 🎙️ About Our Guest Katherine Case brings over 12 years of healthcare experience and a deep passion for human connection to the senior care space. She’s focused on reducing isolation, restoring dignity, and helping seniors truly use the benefits they already have not just manage paperwork. She’s also: • A mom of two boys • A worship band singer • A fan of a solid dad joke (Which somehow makes heavy topics easier to talk about.) 🌐 Learn more about Aviator Health: 👉 https://aviatorcare.com 📞 Connect with Katherine Case: 📱 813-694-8297 📧 Katherine@aviatorcare.com Connect with Us: 🔗Download the resources & access the full podcast library – jumpstartgonow.com/podcast Join the Movement of Modern Insurance Agents! Ready to become the agent clients trust and refer to their friends? Start by building your personal brand, using social media effectively, and prioritizing relationships over transactions. Let’s change the way people see insurance one client at a time! 🚀 📢 Join the discussion! Connect with like-minded agents and get exclusive marketing tips in the Marketing for Insurance Agents Facebook Group. jumpstartgonow.com/join-group

    37 min
  8. The Insurance Referral Superpower (Get Clients Without Asking)

    JAN 31

    The Insurance Referral Superpower (Get Clients Without Asking)

    Send us a text Some insurance agents never ask for referrals… and referrals still chase them down. So what are they doing differently? In this episode of The Modern Insurance Agent Podcast, David Denning and Elle Denning break down the Referral Superpower and why referrals don’t come from asking, scripts, or awkward follow-ups. They come from positioning. You’ll learn how top producers become the easy yes recommendation for clients, friends, and referral partners without sounding salesy, needy, or forced. This episode is for insurance agents who want: • Organic insurance leads • Warm inbound referrals • A simple referral partner strategy that compounds over time No begging. No chasing. No “Can you think of anyone…?” Just clarity, trust, and momentum. 🧠 What You’ll Learn in This Episode (Key Takeaways) • Why the best referrals happen when you’re top of mind, trusted, and easy to explain • The 5 Referral Superpowers top agents use (and how to copy them) • How to build authority without ego using simple FAQ-based content • The “billboard vs. room” mistake agents make on social media (and how to fix it fast) • How to create a one-sentence “what I do” line that makes you instantly referable • Why one strong referral partner can outperform 1,000 followers • A simple 30-Day Referral Superpower Plan to make referrals predictable ⚡ Quick Action Plan (Mentioned in the Episode) ✔ Write your one-sentence explanation ✔ Post one teachable tip your audience would actually share ✔ Comment meaningfully on 5 people’s posts daily ✔ DM one referral partner with value (not an ask) ✔ Share one client win or lesson publicly Connect with Us: 🔗Download the resources & access the full podcast library – jumpstartgonow.com/podcast Join the Movement of Modern Insurance Agents! Ready to become the agent clients trust and refer to their friends? Start by building your personal brand, using social media effectively, and prioritizing relationships over transactions. Let’s change the way people see insurance one client at a time! 🚀 📢 Join the discussion! Connect with like-minded agents and get exclusive marketing tips in the Marketing for Insurance Agents Facebook Group. jumpstartgonow.com/join-group

    42 min
5
out of 5
4 Ratings

About

What happens when a millennial couple dives headfirst into the insurance world, scales a million-dollar remote business, and decides to share their journey with the world? You get The Modern Insurance Agent!Join David and Elle Denning as they peel back the curtain on the messy, magical, and often hilarious realities of entrepreneurship. From the joys (and challenges) of working together as a couple to running remote teams and traveling the globe, this podcast is your behind-the-scenes look at building a business and a life you love.