For the first ten years of my business, a low, constant hum of fear was the soundtrack to my life....

Introduction A life insurance policy is a unique financial instrument, fundamentally operating as a contract between the policyholder and an...

Section 1: The Foundation of U.S. Insurance Regulation: A State-Centric System The regulatory framework governing the insurance industry in the...

Introduction: The $4,000 Anesthesiologist and My Painful Wake-Up Call It was a bill that made no sense. Three weeks after...

The 10-Minute Mistake That Cost Me Thousands The sound was a sickening crunch of metal and plastic, a sound you...

I still remember the early days of my consulting practice. The feeling was electric—the freedom, the intellectual challenge, the direct...

Introduction: The Subcontractor Nightmare That Nearly Cost Me Everything In the early days of my company, I wore every hat:...

I’m a consultant based here in Denver, and for the first 15 years of my career, I thought I had...

Section 1: The Foundational Rationale for Verified Repair Reimbursement The practice of insurance companies reimbursing policyholders for property damage after...

Introduction: The Quiet Hum of a Repaired Life The sound is what I notice most. Not the deafening roar of...