Hello everyone and welcome to At Bairns. I'm Andy Surwer.

And welcome to our guest, Dan Amos, CEO of Affleck.

Dan, great to see you. Thanks so much for joining us.

My pleasure.

So supplemental insurance, that's what Affleck does.

A lot of people don't really understand what that is, so break it down for us, please.

Well, in their healthcare system, whether it be national health care in Japan or be our health care system in the United States,

there are gaps that are created in the health care to try to create some control

over expenses, although it really hadn't been done that much. But that's the idea. And those gaps

that are created, people need additional cash to cover those, whether it be things like co-pays and

deductibles or someone goes to a particular

area for cancer treatments that are specialized or they're out of work or the spouse is out of work

taking care of the loved one. Any of those things, we pay this cash to them, and they take that money and fill the gaps

that are created.

And usually when you put those together with major medical, it'll cover most of the expenses

that are created in that gap.

Right. And we've seen the commercials with Nick Sabin and Dion Sanders explaining it with a duck. the expenses that are created in that gap.

Right.

We've seen the commercials with Nick Sabin and Dion Sanders explaining it with a duck.

We'll talk about the commercials in a little bit.

The company is a family company initially founded by your family.

It's a big publicly traded company, to be clear, but your father and uncles founded the company in Columbus, Georgia. How did that come about?

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