Kyle Jones on Unbiased Broker Advice & Why Your Agent Should Lose Money For You | Episode 16

Welcome to The Change Energizer Hot Seat Podcast! This is where top leaders are dropped into the hot seat to open up about high-stakes wins and reveal the "Trust X-Factor" behind their triumphs.

In this episode, host Scott Carley puts Kyle Jones, an agency owner and expert broker at Goosehead Insurance, in the Hot Seat to answer the trust-based questions every client is silently asking about their insurance professional.

Kyle, an agent with nearly 20 years of experience, peels back the curtain on the insurance industry, explaining the crucial difference between a captive agent and an independent broker and why he's willing to lose commission to ensure his clients have the absolute best coverage.

 

🔑 Key Takeaways & Discussion Highlights:

• 01:13 - Who Kyle Jones Serves: The core of the Goosehead business (home and auto) and the expanded protection for boats, motorcycles, investment properties, and umbrella coverage.

• 03:04 - How Brokers Choose Products: Using top-notch technology to shop the entire market and find a tailored solution, not just the easiest or cheapest option.

• 05:30 - Working for the Client, Not the Carrier: Kyle explains the "negotiation table" analogy that defines an independent broker vs. a captive agent. He also shares why their model removes agent bonuses, eliminating incentives to favor one company over another.

• 08:53 - Availability After the Sale: The long-term approach to client relationships and the service team backing Kyle up for day-to-day policy needs.

• 11:31 - Handling Premium Increases: The proactive strategy of re-shopping the market to offset statewide rate increases, a key benefit of using a broker.

• 14:43 - Evaluating Client Needs & Risk: Proactively identifying liability exposures like pools, teenage drivers, investment properties, and regional risks (wildfire, hail, flood) to ensure clients have an umbrella policy for complete protection.

• 20:14 - The Claims Support Process: Why you should call your agent before filing a claim, the impact claims have on your record, and how the team advocates for clients with the carrier's licensed claims adjusters (especially in cases of "ghosting").

• 23:49 - Keeping Policies Current as Life Changes: Making sure policies are updated when a home becomes a rental property and how a "dashboard" alerts the agency to abnormal rate increases.

• 31:20 - The Broker Mindset: The difference between being an "order taker" and an "insurance advisor" who curates the right, non-negotiable coverage for the client.

 

Connect with Guest Kyle Jones (Goosehead Insurance):

• Direct Line: 512-851-1198

• Office Line: 512-572-6772

• Email: [e-mail]

• Website/Quote: goosehead.com/kyle-jones

 

Connect with The Change Energizer Scott Carley:

• Book a call with Scott: calltheenergizer.com