I've got the state minimum insurance. You just gave yourself a financial death sentence.

They're getting sued personally. They're garnishing wages. We don't offer that in my office. We don't offer the state minimum because you're setting them up for failure. We had a million dollar payout a month ago. What about insurance for watches and someone busts in your house and snatches your watches? If you don't have those on your policy, you're eating all those. What about a wedding ring where there's a big fat diamond?

And then all of a sudden she looks down, the diamond's gone.

Couldn't that be covered on the homeowner's insurance? If you have it endorsed. In this day and age, everybody needs an umbrella policy. What are two things that you learned that, man, if you'd have learned that earlier, you'd be much better off? The number one thing that I would say, and it's why I'm so against, you know, buying insurance online.

What it is, Brad Lee, back again with another episode of dropping bombs today in the studio.

Folks, I got a real treat for you. My man, Doug Blevins in the house. What's up, Doug?

Just glad to be here. Honored and excited. Folks, if you guys don't know Doug Blevins, the house. What's up, Doug? Just glad to be here. Honored and excited.

Honored and excited. Folks, if you guys don't know Doug Blevins, you can find him on social media at Doug Blevins as most cases. You can also find him like a couple other at Doug Blevins underscore insurance. Yeah, Doug Blevins, agency, Doug Blevins insurance. They're all similar in the platforms. Just Doug Blevins, folks. You can't miss him. So Doug is a basic, I wouldn't say basic. I'd say basically you're a financial advisor slack, because you do home and auto.

We do. Yeah, we do it all. We're a one-stop shop. You know, we kind of hang our hat on white glove service with a concierge type feel to it. But you do everything. Yes, sir. Yes, sir. Yeah, it's an insurance agency, but we do, we do financial products that have a guarantee. So we don't do anything with investment, meaning that there's no risk. They all have a floor and a guarantee built into.

Like annuities. There you go. We love the fixed index annuity. That's kind of our flagship.

So how long have you been doing that? Well, I've been in insurance nearly 25 years now, really got into understanding how all those products work. I would say probably about a

decade ago. And we really started working with Lincoln Financial about six years ago, six to seven

years ago. And the fixed index annuity was still had the safeness of an annuity that our

parents and grandparents knew about. But it had a lot more of a sexy feel to it,

had the big shiny lights instead of just the fixed rate to make it safe. Instead of putting

people's money in the market and that money in the market being at risk, Lincoln Financial

will take that risk, but they do not put your money in the market, but they use the market

to grow your money or contract you a guarantee to preserve your money in the market, but they use the market to grow your money or contract,

contract you a guarantee to preserve your money and protect it when the market is down.

So do you have all your friends and family into that deal? A good bit of them, including myself,

yeah. So how did you get into this whole thing? Well, when I was in high school, my family's insurance agent, which was a state farm agent

back in the day, he was helping with athletics and helping with our baseball team.

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