Cover art for Fatal Risk

Fatal Risk

Summary

Long-listed for the FT & Goldman Sachs Business Book of the Year Award 2011.  The true story of how risk destroys, as told through the ongoing saga of AIG  From the collapse of Bear Stearns and Lehman Brothers, the subject of the financial crisis has been well covered. However, the story central to the crisis - that of AIG - has until now remained largely untold. Fatal Risk: A Cautionary Tale of AIG's Corporate Suicide tells the inside story of what really went on inside AIG that caused it to choke on risk and nearly bring down the entire economic system. The book: Reveals inside information available nowhere else, including the personal notes and records of key players such as the former Chairman of AIG, Hank Greenberg Takes listeners behind the scenes at the US Treasury and the Federal Reserve Bank of New York Details how an understanding of risk built AIG, but a disdain for government regulators led to a run-in with New York State Attorney General Eliot Spitzer Fatal Risk is the comprehensive and compelling true story of the company at the center of the financial storm and how it nearly caused the entire economic system to collapse.

©2011 Roderick Boyd (P)2012 Audible, Inc.

Narrator: Joe Barrett
Author: Roddy Boyd
Length: 11 hrs and 57 mins
Available on Audible
Cover art for How to Sell Property and Casualty Insurance 2nd Edition: Understanding Insurance Sales, Tips and Techniques

How to Sell Property and Casualty Insurance 2nd Edition: Understanding Insurance Sales, Tips and Techniques

Summary

When a marketing rep comes into your office or someone from the management team and tells you to "sell the value", how often do you find yourself rolling your eyes? As a former agency owner and now a consultant, I often find myself spouting the same slogan. Why? Because, I have done it and done it quite successfully. Whenever a rep came into my office and told me to sell the value of carrier X, I would think that’s something an expensive company would say or an overpriced company, because what else could they say? We’ve officially entered a hard market cycle in California on the personal lines side, which is strange to even say. The market has tightened up and many carriers are non-renewing or reducing underwriting appetite to not take on a lot of new business in California. This is why I started writing in 2014 and again in 2017, 2018 and 2019. In my estimation our industry is going to see a massive shift over the next three or four years. A shift from judgement underwriting to block chain and data underwriting. Artificial intelligence has already been underwriting, selling and handling claims for smaller insure-tech companies for the past four years. This is a prevalent trend in our industry. But, why? Why? Because, we have shifted our focus from selling peace of mind to selling a price. Why? Because, we have put more value on talking about premium, payments and price, than having hard conversations about protecting assets and families. We have shifted hard on price, and almost every insurance company has followed suit in their marketing efforts. Almost exclusively every billboard, social media ad and print ad espouses X insurance carrier savings you up to 25-43 percent on your insurance per year. The conversation has shifted in a way that will cannibalize our industry and wrongfully set expectations for consumers. A recent study by insurancequotes.com found that around 80 percent of consumers self-report in blind surveys that consumers shop or are prompted to shop based on price. This study is congruent with most studies down on consumer behaviour.

©2019 Michael Bonilla (P)2019 Michael Bonilla

Narrator: Rich Brennan
Length: 2 hrs and 41 mins
Available on Audible
Cover art for How to Sell Life Insurance.: Life Insurance Selling Techniques, Tips and Strategies

How to Sell Life Insurance.: Life Insurance Selling Techniques, Tips and Strategies

3 ratings

Summary

In this book we will cover the following topics:  Rebuttals/Common objections  How to develop a process for selling life insurance Life insurance sales strategies Rapport building Systems to determine a death benefit Why people buy life insurance Common sales maxims and mistakes Selling based on value not price Ways to differentiate yourself in your market Do you have trouble achieving consistent results in your life sales practice? Perhaps this book could help. I've put together in this book most of the process, systems, and techniques that have helped me in my career.  Whether you are a seasoned veteran in the life industry or just starting your practice, this book might be what you've been looking for. Are you struggling with objections from prospects? Having trouble finding qualified prospects? Looking for a new strategy or plan of action? Do you have trouble explaining insurance in a simple matter of fact way? Are you looking for under-served markets? Are you looking for structure? Do you ever wonder when to offer permanent over term insurance? Do you wonder how a life insurance retirement plan works? What about the pitfalls of a life insurance retirement plan?

©2018 Michael Bonilla (P)2018 Michael Bonilla

Narrator: Greg Young
Length: 2 hrs and 2 mins
Available on Audible
Cover art for The End of Insurance as We Know It

The End of Insurance as We Know It

Summary

Change is coming to insurance. The tradition-bound P&C industry is on the cusp of the most radical change since the invention of the automobile. And leaders are unprepared for the size, scale, and speed of what's to come from the wave of millennials, new technology, and venture capital funding coming our way.  Insurance has been largely immune to upheavals for reasons that startups do not comprehend. Brand recognition, reams of customer data, legal contracts, and regulation all make insurance much harder to conquer for insurtech startups. But this time is truly different. Forces have been unleashed that will upend the industry sooner than you think.  Collaborate or compete? Start small or go big? Pure tech play or MGA? The End of Insurance as We Know It bridges the divide between the traditional players, startups, and investors to show the areas where opportunities for disruption are ripe and what technologies you need to know about to stay relevant in our revolutionary time. Learn why insurance is the perfect digital product and gain a competitive edge no matter where you stand today in the ecosystem.  Rob Galbraith has 20 years of experience implementing innovative ideas in the P&C insurance industry to expand markets and improve profitability. Known as The Most Interesting Man in Insurance, Rob is a frequent speaker at industry conferences, recognized thought leader, and insurtech influencer. PLEASE NOTE: When you purchase this title, the accompanying PDF will be available in your Audible Library along with the audio.

©2019 Rob Galbraith (P)2019 Rob Galbraith

Narrator: Key James
Length: 8 hrs and 35 mins
Available on Audible
Cover art for How to Sell Property and Casualty Insurance.

How to Sell Property and Casualty Insurance.

Summary

This audiobook is a comprehensive guide to selling auto, home, and umbrella Insurance. I've also put in some commercial lines tips as well. If you're having a hard time selling insurance based on value and keep getting price objections, then this guide might be what you have been looking for. I've detailed out methods, rebuttals, tips, and techniques to help. This guide answers a lot of common questions I receive from agents. It's tougher now than ever to compete as an insurance agent. Give it a listen, and let me know what you think.

©2018 Michael Bonilla (P)2018 Michael Bonilla

Narrator: Oliver Hunt
Length: 1 hr and 43 mins
Available on Audible
Cover art for Reimagining Healthcare

Reimagining Healthcare

Summary

A brilliantly simple look at how we can fix healthcare without drastic policy change and political diatribes. Since FDR, the US healthcare system has been mired in politics and policy. All the while it has only increased in complexity and cost. Today half of all personal bankruptcies are attributable to healthcare costs. Many community hospitals are barely getting by with single digit profit margins. With a system teetering on the edge of a systemic crisis, we need to turn to a brand-new approach to rescue the US healthcare system.

©2020 Thomas Koulopoulos (P)2020 Post Hill Press

Length: 7 hrs and 18 mins
Available on Audible
Cover art for The Field Guide to Understanding 'Human Error'

The Field Guide to Understanding 'Human Error'

9 ratings

Summary

When faced with a human error problem, you may be tempted to ask "Why didn't these people watch out better?" Or, "How can I get my people more engaged in safety?" You might think you can solve your safety problems by telling your people to be more careful, by reprimanding the miscreants, by issuing a new rule or procedure and demanding compliance. These are all expressions of "The Bad Apple Theory" where you believe your system is basically safe if it were not for those unreliable people in it. Building on its successful predecessors, the third edition of The Field Guide to Understanding 'Human Error' will show a new way of dealing with a perceived "human error" problem in your organization. It will help you trace how your organization juggles inherent trade-offs between safety and other pressures and expectations, suggesting that you are not the custodian of an already safe system. It will encourage you to start looking more closely at the performance that others may still call "human error", allowing you to discover how your people create safety through practice, at all levels of your organization, mostly successfully, under the pressure of resource constraints and multiple conflicting goals.  The Field Guide to Understanding 'Human Error' will help you understand how to move beyond "human error"; how to understand accidents; how to do better investigations; how to understand and improve your safety work. You will be invited to think creatively and differently about the safety issues you and your organization face. In each, you will find possibilities for a new language, for different concepts, and for new leverage points to influence your own thinking and practice, as well as that of your colleagues and organization. If you are faced with a human error problem, abandon the fallacy of a quick fix. Listen to this audio.

©2014 Sidney Dekker (P)2018 Sidney Dekker

Narrator: Sidney Dekker
Length: 3 hrs and 58 mins
Available on Audible
Cover art for Cryptocurrency Trading: How to Make Money by trading Bitcoin and Other Cryptocurrency

Cryptocurrency Trading: How to Make Money by trading Bitcoin and Other Cryptocurrency

Summary

The era of cryptocurrencies has begun! This book teaches you how to take calculated risks and make massive profits by trading cryptocurrencies.  We are in the middle of a financial and technological revolution. Very few people are aware of this. And even few know how to profit from it. It all began in 2009 with Bitcoin. And today the total market cap of cryptocurrencies is more than $500 billion! And it is expected to cross the $1 trillion level soon. This kind of wealth creation is unprecedented in modern history. More than 100,000 millionaires have been created by just Bitcoin alone. Do you want to be a part of this movement? All it takes is some common sense and the strategies taught in this book. Learn the tricks of the trade that can make you six figures in profits from Bitcoin, Ethereum, and Litecoin.  In this ultimate cryptocurrency trading bible, you will learn everything from the fundamentals of the process to the more advanced cryptocurrency trading strategies and techniques. Among other things, you will get to learn: • Basics of cryptocurrency, Bitcoin, and blockchain. • How to identify profitable trends in the market. • How to use the altcoin trading platforms like GDAX and Coinbase. • How to store and protect your earned coins using cryptowallets. • What the top experts are saying about the future of cryptocurrencies. The window for cryptocurrency trading is wide open as of right now, but nobody knows when it may close. If you are curious enough to explore, this window is all you need to retire early. So get the book today to learn more.

©2017- Devan Hansel (P)2018 Devan Hansel

Narrator: Glynn Amburgey
Author: Devan Hansel
Length: 1 hr and 57 mins
Available on Audible
Cover art for How to Trade Options: The Complete Guide for Beginners

How to Trade Options: The Complete Guide for Beginners

Summary

Get started learning how to trade Options. If you're reading this right now, you're considering learning about options. What are options? Are they better than stocks? Are they hard to use? In this audiobook, author Tim Morris takes your hand and becomes your mentor, teaching you everything you need to know to get started with options. In part one, Tim goes over what exactly options are, and the reasons behind trading them versus trading stocks. This includes calls and puts, strike prices, expiration dates, volatility, and option Greeks. Then in part two, you'll learn basic option strategies, as well as one advanced strategy that you can start using right now. Tim even offers practical advice throughout the audiobook on real world occurrences that the fundamental option textbooks don't mention. Tim provides charts, examples, and equations throughout the audiobook, making a somewhat complicated subject simple and easy to understand. If you know nothing about options right now, when you're done listening to this audiobook, you'll have all the knowledge necessary to feel confident trading options. Options can provide a number of benefits over traditional stocks, and after listening to this audiobook, you'll know exactly how to use them. Get this audiobook now to get started learning how to trade options today!

©2019 Tim Morris (P)2019 Tim Morris

Narrator: Tim Morris
Author: Tim Morris
Length: 44 mins
Available on Audible
Cover art for Agents of Change

Agents of Change

1 rating

Summary

Follow along with fictional insurance agency owner Jim Wakefield as he fights to keep his struggling small business afloat. Slowly and surely, he discovers not only how to find more customers, but also how to retain them for the long-term through loyalty-generating marketing initiatives. During his year of eventual marketing mastery, Jim and his team bond closely as they overcome significant odds to reach a point of growth and sustainability. For clarity, the authors step in at the end of each chapter to provide further explanation and free valuable resources to help you attain the same success as Jim in your own hometown insurance agency...or any other business. The discoveries of fictional agency owner, Jim, and his team are factual and footnoted, and matching results from his activities can be found in hundreds of individual successes that Agency Marketing Machine has helped to produce for clients.

©2017 Agency Marketing Machine (P)2017 Agency Marketing Machine

Narrator: Jason Leikam
Length: 4 hrs and 5 mins
Available on Audible
Cover art for How to Sell Indexed Universal Life Insurance

How to Sell Indexed Universal Life Insurance

Summary

Indexed Universal Life Insurance (IUL) is one of the fastest growing financial products on the market. There are a lot of ways to sell an IUL. As an agent, here is a simple system I used to sell Indexed Universal Life.

©2018 Michael Bonilla (P)2018 Michael Bonilla

Narrator: Andrew Heron
Length: 37 mins
Available on Audible
Cover art for The Long Fix

The Long Fix

1 rating

Summary

In The Long Fix, physician and health-care CEO Vivian S. Lee, MD, cuts to the heart of the health-care crisis. The problem with the way medicine is practiced, she explains, is not so much who's paying, it's what we are paying for. Insurers, employers, the government, and individuals pay for every procedure, prescription, and lab test, whether or not it makes us better - and that is both backward and dangerous.   Dr. Lee proposes turning the way we receive care completely inside out. When doctors, hospitals, and pharmaceutical companies are paid to keep people healthy, care improves and costs decrease. Lee shares inspiring examples of how this has been done, from physicians' practices that prioritize preventative care, to hospitals that adapt lessons from manufacturing plants to make them safer, to health-care organizations that share online how much care costs and how well each physician is caring for patients.   Using clear and compelling language, Dr. Lee paints a picture that is both realistic and optimistic. It may not be a quick fix, but her concrete action plan for reform - for employers and other payers, patients, clinicians, and policy makers - can reinvent health care, and create a less costly, more efficient, and healthier system for all.

©2020 Vivian S. Lee (P)2020 Kalorama

Author: Vivian Lee
Length: 7 hrs and 4 mins
Available on Audible
Cover art for Questions and Answers on Life Insurance

Questions and Answers on Life Insurance

Summary

Questions and Answers on Life Insurance is an extremely useful and one of a kind resource for anyone looking for a simple way to understand life insurance. It covers all the basics and the advanced information that you need to know. And all this in a format where can go directly to the information you need without having to sort through information you're not looking for. Author Tony Steuer brings 17 years of experience in the life insurance. During this time Tony has guided clients with purchasing their life insurance and the ongoing maintenance of policies. He has also worked with professional advisors on reviewing their client's policies and determining needs. Tony has helped to keep client's, where possible, from unpleasant surprises. Questions and Answers on Life Insurance covers: Life Insurance Needs Planning Keeping your policy in force Company Evaluations Pitfalls to look out for Questions and Answers on Life Insurance is a valuable resource for anyone involved with a life insurance policy. It helps makes a complex financial product understandable for consumers as well as financial advisors.

©2010 - 2013 Anthony Steuer (P)2014 Anthony Steuer

Author: Tony Steuer
Length: 11 hrs and 45 mins
Available on Audible
Cover art for Patient Advocacy Matters II

Patient Advocacy Matters II

Summary

This is the ultimate guide and reference book for anyone who will use medical care or have insurance questions. If you don't have a professional advocate or someone to advocate on your behalf effectively, this is the advocate for you. Inside Patient Advocacy Matters II, you will find more updates from the first edition that keep up with the ever-changes tides of healthcare.  We know what is, or isn't, happening in Congress, and we must do everything in our power to keep up with the changing legislation in the healthcare sector. This is the guide you will want to listen to from beginning to end to discover new changes and even brush up on the practical tenets of healthcare that will get you out of the hospital and back home safely. This is the reference book you'll want to have if you need to help a loved one, but you don't know where to start.  This is the reference book you'll want to have if your insurance circumstances have changed and you need to become familiar with a new way of navigating your healthcare. This is the book you want to get because it could very well save your life or the life of someone you hold dear. This is the book that is as valuable as American Express. Once you listen to this guidebook, you won't want to leave home without it ever again.

©2018 NShore Publishing (P)2021 NShore Publishing

Length: 7 hrs and 5 mins
Available on Audible
Cover art for Investments Don't Hug

Investments Don't Hug

Summary

This is not a boring discussion of life insurance written for actuaries, accountants and attorneys. Instead, it's a collection of love stories told through the words of husbands and wives, moms, dads, and their families of how each was forever impacted by an act of love demonstrated through the simple purchase of a life insurance policy. Important lessons are woven through these real stories, instead of imaginary accounts where everything goes right and there's always a happy ending. Sometimes life is difficult, but a disciplined thoughtful approach may prepare your family to preserve their respect and dignity even during the most challenging circumstances. These stories share the pain, anxiety and joy experienced by loved ones while illuminating the tools that you can use to take charge of your own financial life for the certainty and security for those you love. As you listen to Investments Don't Hug, have a pen at hand to make notes. It's also wise to have a box of tissues close by, as you pause to take in the emotional significance of its message through the tears shed by the narrators and the author. An important virtue will come through loud and clear; expressing love for your spouse and love for your children by taking the important steps to insure that your love will continue on, by protecting and sheltering the lives of those you love from the financial losses that often occur by your own death. This journey takes you through the lives of couples and their families while providing gentle lessons on how life insurance actually works, how much you may want to own and what type you may wish to purchase.

©2016 Mark Bertrang (P)2017 Mark Bertrang

Narrator: Mark Bertrang
Length: 7 hrs and 47 mins
Available on Audible
Cover art for False Premise, False Promise

False Premise, False Promise

Summary

A native of Canada with direct experience under a single-payer system, Pipes debunks the Medicare for All plans touted by Democrat contenders. American health care is at a crossroads. Health spending reached $3.5 trillion in 2017. Yet more than 27 million people remain uninsured. And it's unclear if all that spending is buying higher-quality care.  Patients, doctors, insurers, and the government acknowledge that the status quo is unsustainable. America's last attempt at health care reform - Obamacare - didn't work. Nearly a decade after its passage, Democrats are calling for a government takeover of the nation's health care system: Medicare for All.  Supporters of Medicare for All assert the right to health care, promising universal, high-quality care to all Americans at no cost. With a sales pitch like that, it's no wonder the idea has broad support. Democrats, particularly progressive ones, hope to capitalize on this enthusiasm.  Here Sally C. Pipes makes a case against Medicare for All. Using evidence from government-run systems in Canada and the UK she explains how single-payer health care makes a litany of promises it can't possibly keep.  Between unpacking the plans under consideration in Congress - including the real costs behind the claims - and detailing the horrors of single-payer care in other countries, Pipes highlights how Americans actually fare better than their peers in Canada and the UK on health outcomes. Included are heart-wrenching stories of the human costs of free, universal, government-run health care systems.  Pipes concludes with her vision for delivering the affordable, accessible, quality care the American people are looking for.

©2020 Pacific Research Institute. Foreword © 2020 by Tom Coburn (P)2020 Blackstone Publishing

Narrator: Pamela Almand
Length: 4 hrs
Available on Audible
Cover art for Everyone Ends Up Poor!

Everyone Ends Up Poor!

Summary

What is financial freedom and how do you achieve it? That is a question I asked myself in 2014. My name is Curtis Ray, from Gilbert, Arizona, and the author of this book Everyone Ends Up Poor™. I want to tell you my story of financial discovery through family, entrepreneurism, product development, and an array of experiences. This is not a traditional story of an investment strategy secret or 401(k) success, but a story of true pursuit of knowledge, breaking down the whole system of financial planning, and discovering the inefficiencies and underwhelming results of the 401(k), IRA, Roth IRA and other traditional financial plans.  Throughout the book I look back on my life of running numerous businesses, what I learned through rapid success, partnerships, my rise and fall of financial wealth, and what ultimately led me to a career in educating the public on the Rules of Money and how to achieve financial security.  This book is like no book ever written. Explaining clearly why a 401(k), IRA, Roth IRA, and other traditional retirement vehicles are not your friend, were never designed to produce you a good retirement income, and why Everyone Ends Up Poor™.  Once someone understands the pitfalls of the current financial system, I explain the steps that can be taken to improve your retirement success by up to 400%.  Through the experience and knowledge found in my journey, anyone can start the path of financial freedom today. In this book I explain the 7 rules of money prosperity, the 9 pillars of financial planning, pitfalls to avoid as an entrepreneur, and the one-of-a-kind financial strategy called Maximum Premium Indexing or MPI™.  Everyone Ends Up Poor™ will challenge every belief you have regarding the current financial planning system.

©2018 Curtis N. Ray (P)2018 Curtis N. Ray

Narrator: Curtis Ray
Author: Curtis Ray
Length: 2 hrs and 51 mins
Available on Audible
Cover art for Medicare: The Clear, Concise, Self-Educating Guide

Medicare: The Clear, Concise, Self-Educating Guide

Summary

Let's not mince words here: Researching medicare is tedious, time consuming, and frankly not motivating. The amount of information can appear over-whelming, in addition, the Internet is filled with small portions of truth to bait you in, just to end up on a fill-form page requesting your personal information. What is the solution? Medicare: The Clear, Concise, Self-Educating Guide simplifies the entire process. Only hand selected information is included to best serve the most common scenarios senior-citizens encounter when transitioning into medicare. Spare yourself the experience of filtering through thousands of pages of information, and consider a simplified guide that details only the most relevant information. What you can expect to learn:   The most costly mistakes to avoid when getting started What benefits did you actually earn? How to enroll & coordinate benefits Medicare Advantage VS Supplement plans with comparison charts Late enrollment penalties that last forever/deadlines Prescription drug coverage with analysis charts What if I retire after 65? What if I keep my employer coverage? How to find a plan that fits the budget What plan allows you to choose your doctor and hospital What plan offers the most protection when traveling The number one reason for bankruptcy in the USA today is medical debt, much of which is preventable with proper coverage. You have worked to hard to screw this process up now. Roughly 50 percent of senior citizens only have original Medicare, so do not make the same mistake. Get an idea of the overall cost so you can actually plan a budget. Buy this audiobook today!

©2018 Mario Robertson (P)2018 Mario Robertson

Narrator: Tom Sleeker
Length: 1 hr and 3 mins
Available on Audible
Cover art for How to Start and Build an Insurance Agency, Edition 2

How to Start and Build an Insurance Agency, Edition 2

Summary

Are you thinking about getting into the insurance business? Already in it and need a refresher? Struggling to grow and find ways to sell on value? Having a hard time marketing or growing? This revised version by Michael Bonilla, former insurance agency owner and broker, has packed this edition full of relevant information facing new and existing agents.

©2018 Michael Bonilla (P)2018 Michael Bonilla

Narrator: Jack Nolan
Length: 1 hr and 59 mins
Available on Audible
Cover art for Reimagining Healthcare

Reimagining Healthcare

Summary

A brilliantly simple look at how we can fix healthcare without drastic policy change and political diatribes. Since FDR, the US healthcare system has been mired in politics and policy. All the while it has only increased in complexity and cost. Today half of all personal bankruptcies are attributable to healthcare costs. Many community hospitals are barely getting by with single digit profit margins. With a system teetering on the edge of a systemic crisis, we need to turn to a brand-new approach to rescue the US healthcare system.

©2020 Thomas Koulopoulos (P)2020 Kalorama

Narrator: Peter Lerman
Length: 8 hrs and 49 mins
Available on Audible
Cover art for How to Sell Umbrella Insurance

How to Sell Umbrella Insurance

Summary

Are you having trouble coming up with a simple system to sell umbrella insurance? Here are some tricks and tips that I have learned over time. What I have found working with agents and being an agent is that it comes down to asking the right questions and relaying the information in a simple way.

©2018 Michael Bonilla (P)2018 Michael Bonilla

Narrator: Simon Watts
Length: 45 mins
Available on Audible