A few months back, my mother-in-law was shopping around for new insurance, and she asked me to take a look at her current policy versus the quotes she got from an independent agent.

Within 30 seconds, I noticed that her current policy listed her roof as being the original roof... from 30+ years ago.

She'd actually replaced that roof a few years prior. But because this happened before I became an insurance agent, I didn't know that a new roof could reduce her insurance premium. If I'd known then what I do now, I would've had her call her insurance company the moment she got that invoice for the new roof.

I felt bad that she'd likely overpaid for years, and it got me thinking about all the things that I didn't know until I became an agent—things that quietly cost me and others money. I no longer sell insurance, but I stay licensed just to stay in the know, and I can help way more people by sharing quick tips like this.

This episode is the first in a series of things I didn't know until I became an agent. I hope you find it helpful!

📺 PREFER THE VISUALS? Catch the full video edition of this tip on our YouTube channel: https://youtu.be/OvzITBKV_x0

🗂️ THE "EX-AGENT" PLAYLIST Want more hidden insider tips that insurance companies rarely advertise? Check out the playlist: https://www.youtube.com/playlist?list=PLttWXnucVzERBi0lXWYLsr8pQWM6JoeG5

✉️ SEND ME YOUR QUESTIONS & FEEDBACK If you have questions, personal finance topics, or insurance questions or headaches you'd like me to tackle next, shoot me an email at info@cleverdime.com

If you prefer to watch the video, you can view it at https://youtu.be/OvzITBKV_x0

https://www.cleverdime.com

WHO AM I? Hi! I'm Pete. Ex-Insurance agent turned consumer advocate. I hold a finance degree and spent years in the insurance industry before realizing I could help way more people from the outside. At CleverDime, I create practical, rational content focused on consumer advocacy, personal finance literacy, and wealth management. My goal is simple: help you plug leaks in your spending, keep more of your hard-earned money, help prevent you from being taken advantage of, and grow your wealth. Legal Disclaimer: I am a licensed insurance professional, but CleverDime is strictly an independent media brand. I no longer sell policies or work for any insurance companies. Content on this podcast is for educational, informational, and entertainment purposes only and does not constitute personalized insurance, legal, or financial advice. Please conduct your own research or consult with a licensed professional before making any major financial decisions.

Ever fill out a form online to check an insurance rate or look into solar panels, only to have your phone instantly explode with spam calls? In this bonus episode, we pull back the curtain on "lead generators"—how to spot them in the fine print in less than 10 seconds, and how to protect your personal data.

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📺 PREFER THE VISUALS?

This episode features specific real-world examples. If you want to see exactly what these fake comparison sites and carrier disclosures look like on screen, you can watch the full video version on YouTube here: https://youtu.be/gMzwSK-jE8k

✉️ GOT A SITE I SHOULD AUDIT

If you have a personal finance tool or site you want me to test out with my burner phone so you don't have to risk your data, shoot me an email at info@cleverdime.com

https://www.cleverdime.com

WHO AM I? Hi! I'm Pete. Ex-Insurance agent turned consumer advocate. I hold a finance degree and spent years in the insurance industry before realizing I could help way more people from the outside. At CleverDime, I create practical, rational content focused on consumer advocacy, personal finance literacy, and wealth management. My goal is simple: help you plug leaks in your spending, keep more of your hard-earned money, help prevent you from being taken advantage of, and grow your wealth. Legal Disclaimer: I am a licensed insurance professional, but CleverDime is strictly an independent media brand. I no longer sell policies or work for any insurance companies. Content on this podcast is for educational, informational, and entertainment purposes only and does not constitute personalized insurance, legal, or financial advice. Please conduct your own research or consult with a licensed professional before making any major financial decisions.

Have you ever made a purchase and later wondered, "How did I end up buying that?" In one of the last sales courses I ever took, it taught a few techniques that completely changed how I look at buying decisions. None of these automatically mean someone is trying to manipulate you - and I've worked with plenty of honest, helpful sales pros but they're worth recognizing so you can slow down and make the best decision for you. In this episode we cover: ✔ The "That's Interesting" technique ✔ The Yes Ladder ✔ Feel, Felt, Found ✔ Social proof ("Most people choose this...") ✔ The Psycho Dial ✔ And a few other sales tactics worth recognizing. My goal isn't to make you suspicious of every salesperson. It's to help you make fewer purchases you'll regret later. What would you like me to test or tackle next?

If you prefer video, you can view it at https://youtu.be/sLH6OxC_wMM

https://www.cleverdime.com

WHO AM I? Hi! I'm Pete. Ex-Insurance agent turned consumer advocate. I hold a finance degree and spent years in the insurance industry before realizing I could help way more people from the outside. At CleverDime, I create practical, rational content focused on consumer advocacy, personal finance literacy, and wealth management. My goal is simple: help you plug leaks in your spending, keep more of your hard-earned money, help prevent you from being taken advantage of, and grow your wealth. Legal Disclaimer: I am a licensed insurance professional, but CleverDime is strictly an independent media brand. I no longer sell policies or work for any insurance companies. Content on this podcast is for educational, informational, and entertainment purposes only and does not constitute personalized insurance, legal, or financial advice. Please conduct your own research or consult with a licensed professional before making any major financial decisions.