The I Love CVille Show With Jerry Miller! - The Kyle Miller Show: Insurance Agent Eva Gee Scott Joined Kyle Miller

Episode Date: March 28, 2024

Eva Gee Scott, State Farm Insurance Agent, joined Kyle Miller live on The Kyle Miller Show! The Kyle Miller Show airs live Thursday from 2:15 pm – 3 pm on The I Love CVille Network. Watch and listen to The Kyle Miller Show on Facebook, Instagram, Twitter, LinkedIn, iTunes, Apple Podcast, YouTube, Spotify, Fountain, Amazon Music, Audible and iLoveCVille.com.

Hello, ladies and gentlemen. Welcome to the show. I'm your host, Kyle Miller. Thanks for joining me. And today, our show is all about highlighting people that are doing great things in their community, in their life, building entrepreneurs. And so today, our show, we have a special guest with us. Her name is Eva G. Scott. So, Eva, thank you for joining us today. I appreciate it. Thank you. And it's weird because, so so one grandmother was Evelyn and

one grandmother was Giselle. And so Evelyn Giselle became Eva G. Gotcha. Yeah. Interesting. Interesting. Yeah. Now, Eva, you've been in the insurance world for a little bit, a little bit of time. Tell us, tell me a little bit how all that happened, you know, your past experiences and what kind of led you into the insurance. Right. I think that insurance isn't an industry that many people desire. Yeah. You didn't wake up and be like, I want to be an insurance agent. Right. Right. Unless you like had a family member, a parent who worked in the industry and we need in Charlottes, State Farm has had a large presence. So there are some people who are like, I'm going to work for insurance.

But for me, it was the summer before my senior year of college. Okay. And I had gone to the Career Services Department looking for internships. And State Farm had an internship. It was in Lincoln, Nebraska. So as I talk, you're going to hear I'm from Wisconsin. I grew up in Milwaukee. And so I went to the University of Wisconsin-Whitewater. And so I applied for this internship. I got it. 30 people from around the country came to Nebraska and we lived in the dorms.

So it was like real world without cameras. Like we worked at State Farm, but it was so I drove my car to Nebraska. I spent the whole summer there. And I like I fell in love with State Farm. And I had a job offer going into my senior year of college. So you can't beat that. What did you do on this internship like do they still have this internship? They do it looks a little bit

different now but for me I was aligned with the Public Affairs Department and that's that that name has transitioned over the years but what I was responsible for was building connections in the community with State Farm agents, our executive office, and the community they're in. So I had lunch with the mayor of Lincoln, Nebraska, and I got to pass out those big checks that State Farm gives so much. And they don't advertise that a lot, but the amount of grants that they provide to the communities around it is amazing. And that was what I got to do. And then I loved it.

So I was like, I'm ready to be a public affairs specialist. And they're like, well, you can go to auto claims because that's where. So the internship gave me this exposure to this world of insurance that I didn't even know existed. And then I kind of got to take a step back into claims. Like that is the foundation, one of the foundations of our company. And I learned about auto, auto insurance beyond just paying for it as you know, a 22 year old consumer. Exactly. So like, you know, you're, you're leading us down that route with the, with the auto insurance. What are some of the things that you learned about auto insurance that like most people don't even know about? Like,

honestly, I look at my bill or look at my, you know, whatever you call it. I don't even know. I get a stack of it. What does it mean? Like, yeah. Um, And I rely a lot on my insurance agent to kind of guide me, hey, this is what you do. This is where you're at. So can you explain a little bit? Yeah, of that? Exactly. And I appreciate hearing that because you have to understand like, this is what we do all day. Right. And so the letters and the numbers on your declaration pages or on your renewal statements that you get, that's like a second language to us. But for you, it isn't. And that's okay. I think it's important to kind of take a step into deeper and understand what are you paying for, what does it mean.

Because there's lots of elements to that monthly statement every month or every six months. So that's a thing. Auto insurance renews every six months for our company. Some are different. But looking at, like, what are you responsible for? What happens if an accident occurs? How does that work? And talking to your agent.

And, like, maybe once a year, just get a quick refresh. Tell me what this means again, you know, quickly. Or I really want to understand. Let's do a quick refresh. What again, tell me what this means again, you know, quickly, or I really want to understand, let's do a deeper dive. Right. And I'll say the biggest lesson. It's kind of sad. Well, I was in auto claims and we had a customer who was on a motorcycle and they pulled out in front of a van. And I would say that was the incident that made me aware of the importance of knowing your limits, the liability limits that you have on your car insurance, which means like if I'm responsible for hurting or killing someone in an accident, do I have enough insurance to

protect me? And if I don't, can I get more? Or what does that mean for me? Like, how is that making me exposed now personally liable for that incident? Luckily, we did. We had enough limits. The people survived. They were in, like, comas for six months. It was a long time.

And it costs a lot of money, right? The medical bills, your claim is kind of made up of like medical bills, your lost wages, and then like additional pain and suffering. And that's, I'm again, generally broadly, this is like disclaimer, right? It's, um, so then you have to look at like, okay, what is the value of that? And do I have enough? And I share that situation with my customers, not to put fear into them, but just to, like, help them understand, like, this is why you have. You want to make sure. Yeah.

Yeah. The auto insurance just as sincerely isn't for the car. Right. It's for all the damage that you could do and that. So what do you typically, what would you typically like to see people with what type of coverage for their car, at least for the death benefits or the, I don't even know if that's what it's called. Liability limits. Yeah.

The state mandates a certain requirement. Okay. Okay. And then they reevaluate that on a reoccurring basis. Okay. And so the state minimum limits are $30,000 per person and $60,000 per accident. Okay. So then you have to kind of step back and say, like, okay, is that enough? Yeah.

And it's a really important thing to view because we'll have people call in and bills are going up and maybe they'll do a quote online and it'll be significantly less right and then i'll say okay help me like let's look and make sure that you're getting the same coverage because i understand from a budget perspective some people need to make sure that they can afford all the bills that they're responsible for right and but then when we go deeper into the policy we realize oh, oh, they reduced your limits. So they increased your exposure. And so let's talk about that. What does that mean?

What happens if something goes over? And, like, we can match the same low limits, but usually after the conversation, they want to keep what they have. Like, that's our goal is to make sure that you – and it's like, is it ever enough? It's balance. It's that balance. Right. Well, you never know. Right. I mean, I was looking at, um, last year, maybe it was last year. Time flies, right. With kids, um, for health insurance. Right. And I was like, all right, what's this? I was getting self-employed. You know, I don't have any company to go through And I was like, all right, what's this? I was getting self-employed. I don't have any company to go through. And I was getting quotes for like $2,400 a month.

I'm like, this is ridiculous. It's a highway robbery almost. And so I had to go in and look at other options, other things that I could do. And basically, not piecemeal, but like say, oh, I don't need that because I don't have kids or I, you know, this, whatever it was, they were asking for different things. Um, and I was like, no, I don't do that.

That's not, I don't, Oh, we can take that off. So like they were able to cut down on the plan. Um, so it was just interesting and I'm sure insurance quotes and everything, you can do that as well with yours. It's not all just cut and dry. This is what I want. This is what I need, right? Exactly.

And that's like we have a big campaign going, like the personal price plan. It's not just for the commercials. It's legit. Like your insurance, what you need is going to be different than what I need. And it's going to, some of it's based off of the vehicle you have or the home you live in, but other factors are contributing. So it's, it's really important. I think too, like if you go online, beware,

because you want to make sure you're getting everything that you need. And I don't know if you experienced this with looking for health insurance, but like once you click into the universe, the amount of like phone calls you receive, like, yeah, right. Hey, it looks like you're shopping. Listen, it's part of the industry. Like it is, it is how we make new connections with people that aren't going to call us directly. Right. And so I'm not saying Internet leads aren't a bad, but you just want to make sure that you know what you're getting yourself into. Now, I was on a call the other day with a guy that was doing, you know,

as entrepreneurs, as things, we make money, and we do our best to make as much money as we can. And that's a lot of the times that's where we, that's what we're thinking about. How do we make more money? How do we help and grow and expand and stuff like that? But then also on the back end, he came on that call. He's like, I'm not going to make you a single penny on this call. Okay guys. So just get that in your head right now. But what I'm going to do is save you. Right. And one of the things that he brought up in that call was, uh, vehicles, how entrepreneurs can get sued by if my son was, if I own the car and my son was driving the car, I can still get caught up in that. Right.

And so I think, you know, if you have a kid or something like that and they're out driving your vehicle what do you and I don't even know how the insurance rate is because my son's only 13 I'll get into this pretty soon but like what do you see with the insurance on how to best make that work right or to most cost effective is to cost effective is to put the car in the kid's name and then have it that way because that's a lot of liability in having that car in my name, my son's driving it, and he's 16, 17 years old.

Right, and this is like, it depends. Yeah. It depends. And again, why it's so important that you have a relationship with your insurance agent, because those are the types of conversations and questions that you're not going to just get on line. Right. Because it really, each individual situation can be completely different. And so looking at the family and how that's comprised, but also the type of vehicle. So it's really like a personal plan for you.

And I heard you. I was like listening. Like I think that making money is important, right, just to live. However, I want you to know that like we approach it from a space of, we want to make sure that you're getting the protection you need and you understand what you're paying for. Right. And, and know that circumstances can change. So what you have today doesn't need to be what you have even next year or down the road. Right. So it should be more than just like a one stop. I've got my insurance. I'm set for the rest of my life. Right. What you're saying is it should be a yearly thing that you

should check in because situations and scenarios change. Like, you know, I could have bought a couple more houses, turned it into rentals. I could have done this. I could have done that. Now we're in a different bracket, or maybe there's some more exposure that we have here. I personally have a million-dollar umbrella policy, right? But I'm thinking, I think I need to up that. Okay, well, I talked to my insurance agent, and he was telling me that I needed to go through a, I forget what he said, like a physical almost. Okay.

To kind of, I may be misquoting that. I'm trying to remember what he said. Yeah. But there were some things that I had to go through to up that up to like two and a half, three million for just an umbrella policy for anything and everything. Right. After all the insurance, other insurance products that we have but i think good for you for for even like acknowledging that it might need to be increased right and changed right and so that's what it's about like no when people come to see me sometimes they'll get like embarrassed that they don't know what they have right and i just want to reassure

them like no like that's that's how we are staying here. And this is why I have a job, to help you through these situations. And I would say that different laws will come into place, scenarios with your personal life come into place. So all of that's important, that at least annually, you should get a phone call. And then if there's a major life event that occurs, then ask for like a one-off, you know, an additional appointment. I mean, I think that's what, as far as business owners, entrepreneurs, we don't always have the right answer, but we have somebody that knows, right? Right.

And so to put as many people in your corner that know about other things in life and that they could be your trustworthy person to go and talk to, I think that's what you've got to really feel comfortable with. And just having our conversation here, I mean, you're just a ball of energy, sincere, you brought us gifts, right? And I just think that's the ball of energy, you know, sincere. Yeah. You brought us gifts. Right? And, like, I just think that's the type of person that you are.

And you obviously know what you're talking about. Yeah. Yeah. And I have State Farm behind me. I mean, I think that's where, when you think about, like, who do you go to or why Eva? Right. So it's me, yeah, personally, but also you've got the number one insurance company in the country. And so, like you said, the resources, the contacts,

the amount of knowledge and experience. The company's over 100 years old, and it didn't just happen for luck. They care, and I care, and that's why I also chose to start my business with them. Right. So let's get into a little bit of that, right? Yeah. So you worked corporate for how long? 15 years.

So you know the ins and outs of everything. Well, well, well. I don't know. I don't think you're that old. No, yeah. 15 years, I started in claims and then I moved to Charlottesville in 2009. And that was my first like company move. And I was in human resources and so I would help leaders and corporate like on various different projects and then I went into leadership and then I moved to Maryland for my first leadership role so we kind of did like a back and forth around the country six times we we did Virginia to Maryland and Maryland to Virginia then Virginia to Colorado then back did Virginia to Maryland, then Maryland to Virginia, then Virginia to Colorado, then back to Virginia, then Arizona, and then back to Virginia. And I'll tell you,

I'm not from Charlottesville, but I feel so connected to the community here. It embraced me. I found my husband here. We bought our first house here. We're raising our kids here. So I feel like to be in this community and to, like, it all kind of worked out. And after 15 years and figuring out, like, what's next, I'll tell you, my husband got super supportive, amazing. But it was like, do we get to stay this time? Can we put our roots in finally? And that's when I explored the State Farm Agency opportunity.

So how was that transition from corporate salary position going into, hey, I'm going to build my own brand business here in Charlottesville because I love it, right? And I know I like insurance. How was that transition for you? It was what I, I mean, it was hard. I think you grow, I grew up in State Farm Corporate. Right.

Right, from like, I was 22, like when I up in State Farm Corporate. Right. Right. From like, I was 22, like when I started, right out of college. And I got to see the country. Like they provided me all these opportunities. And so, and the relationships and the people. Like when I left, I was like, it was a second line leader position. So I had teams like around the country. And the people, I like to leave the people was probably the hardest for me.

Right. But then I realized, like, I'm not leaving the people. Like, the people come visit me. Like, they do. Like, the people I worked with for years, like, I'm in contact with them. And State Farm also had an amazing program where they paid for my, mostly paid for my MBA. So I got my MBA in insurance and I felt like those two things colliding were kind of like, okay, it was 15 years in.

I have my MBA and I was working in the Charlottesville Operation Center on Pantops and then it was, and then COVID. And we kind of re-evaluated our like brick and mortar presence. And we found out that Charlottesville wasn't going to continue to have that building on Pantops. But we loved our home and the community. The kids were getting older. So it was like kind of a culmination of those things. Like, okay, if I'm going'm gonna make a change it's now right um and it's been it's been awesome yeah it really has yeah it's being an entrepreneur i'm sure it was scary yeah i'm sure

that was like oh my gosh like i know what i'm doing but do i really know what I'm doing, but do I really know what I'm doing? I have the support from my husband, but it's still like, oh, here we go. It's like riding that first roller coaster and getting ready to go over the edge. It's like, is this going to be good or not? That's how I found going into different aspects of business, different things. It's always that first step. But I think taking that first step just makes you take the second. And then you're rolling. Because you don't want to fall on your face.

You just got to keep going. Right. Right. So I always love it. I find it exciting. I find it exhilarating. And I just really enjoy it. Really enjoy it. And I'll tell I really enjoy it. Really enjoy it.

And I'll tell you that I have an amazing team. Yeah. And that is what has kept me alive and optimistic and just like that continuous growth. Like to see, I come in every day, like they're happy, I'm happy. Like, the energy that they bring to me every day just makes me want to succeed that much more. Where is this office?

Where's your office at? I am right across from Barracks Road Shopping Center on the CVS side of Emmett. Gotcha. So, like, I look at Brazos tacos every day. Gotcha. And have to restrain myself, or else I'll have to like roll home. So we're on Emmett and Carothers, I think I'm saying that right, but I'm probably not. It's a hall, it was UVA and it actually like used to be the State Farm Office. So I've learned.

Okay. The agent that had the office prior to me was Frank Schultz. Okay. And he was an agent for 40 years, state farm agent for 40 years. Gotcha. And so he actually still owns the building that I'm in. Okay. And taking over that legacy has been amazing, too, just to, like, get to meet him and know him. And a lot of the customers that were with Frank are now with me.

And that's awesome. Nice. Yeah. What do you see with everything that's happening with insurance, or just the world, right? Yeah. What do you see possibly that, you know, with AI and all this other stuff, what do you see in the next, I don't know, 10 years of what insurance is going to look like? Do you have any idea?

I think that there's some, like, misconceptions of what people will want or what they think they want. When I think about technology advancement and the instant gratification or the need that we want, I see value in that in a lot of different areas. But when I think about insurance and the importance that it carries, I still, I hope that agents are still part of that. Right. That need and that want. Right.

And I think that they should be. So maybe, like, the process can get faster. Right. It already, I've seen it, just like in my, I've been in this role for eight months. Right. And just, like, the technology advances. Like, the ability to, like, call us and have us enter the information and provide you a quote. I mean, it, it could take 15 minutes and it may be faster. Um, and so I would

say that that could get better. Um, I know that we use a telematics program. It's called drive, safe and save. And, um, that captures information of driving behaviors. And it's a lot of, like, for the driver to know, like, what behaviors they have. But hopefully that data can help us learn more, too. Is that an app that goes on your phone? Exactly. Oh, so it's like, okay. Yeah.

Okay. So a lot of people, some people. I know, I know, I know. Okay, but listen, this is what I say. It's like when I pull up Google Maps to get here, even though I knew the vicinity of where I was going today, I still use that as my guide. And so I just try to help build that connection.

Your phone is with you. You're using your phone to put in your right it's not for everyone but i encourage people because not only does it let you know of the behaviors you have when you're driving but it also like provides um some premium offset yeah so those programs that you can sign up for it's an it's a space where we can talk about, like if you're calling in and you notice that your bill is significantly higher than it used to be, or that you want it to be like, it's an area where you can, you decide, do you want to be a part of the program? And you can do that. Well, it's, uh, it, can you be part of the program and then like go over and like, I haven't got a speeding ticket in like 15 years.

But it's not to say that I don't speak. You have to be actively recording. Right. Pause. I know. All right. Because I know they have those trackers and stuff inside those trucks. We don't use that word.

Oh, okay. Trackers. I was talking about semis. But they have it in the semis where they can actually see them hitting the brake pedal and how fast and hard they hit it and is it a quick stop. I was talking to a guy. I was actually buying a house off of one time. He was a trucker and he had lost his job because he had hit the brakes too hard

um like three times which is kind of like i was like really that's it three yeah but i mean you're you're hauling all that weight and so it was just it was just different um it was something i hadn't experienced before but now i guess they have them in the in the phones where they can track and make sure that you're a good driver. Hold. No, I'm just kidding. I'm just making fun. One of the questions that, you know, I think about all the time with my house insurance. Yes, yes. What am I not, what am I missing? Like, I was talking to a buddy Monday night.

Okay. And he was saying how he bought I think we were talking about insurance we were talking about this and that because I had surgery and we were talking about insurance and he was talking about how his insurance agent back in 2007 when he bought his first house sold him, and he lives in Louisa County

sold him earthquake insurance and he was like, earthquake insurance? this guy's blowing smoke. I had a fault line through Louisa County. And then a couple years later, then there's a huge earthquake that completely demolishes the school. Right. I remember that. And so what are some of the things that you see that people, like, kind of don't do? Or, like, something like that. What is something that you see that, you know, if you had that, it would have been better?

What are some of those things? Yeah, I think, and I, like, making sure that you're looking at it. Right. Like, and seriously, like, on an annual annual basis or I would say mainly, like, if you haven't had a sit-down and review in the last five years, you want to request that. Okay. Because so much has changed. Okay.

And so, like, the cost of material, the labor, you want to make sure that you have enough coverage. And then I would also say, like, your personal property. A lot of people, that's what's inside the home. So if you, like, take the roof off the house and you shake everything out, like, that's the personal property. Right. And so clothes and furniture, all of that's included, but there's also, like, more items that are, like, significant of value.

And a lot of people, you want to make sure that those are included in your personal property. Like jewelry is a good example. Some policies only will cover up to a certain amount of jewelry. Well, you can get a separate policy for jewelry specifically. Musical instruments. We've had bicycles, cyclists who have a lot of bicycles that they want extra protection for. So I would say that's a space that people maybe not always know.

Like their jewelry, art, and then I would say a big one that doesn't connect to home insurance is protection of that mortgage. And so what does that mean? That's like if your mortgage was given to you based off of like two incomes or even one income, okay. And then something happens to one of the providers of that home. Right. Like, what happens to that house? Gotcha. And so a lot of the times when we've got new homeowners or even existing homeowners, we at least want to ask, like, do you have the protection if something were to happen that we could pay off the house for the partner that's there?

So if the person doesn't have necessarily like a health insurance or life insurance, if they don't have that, that's maybe something that you should look into. Yeah. Okay. And like, and is it enough? And I think that's probably a big gap I see too

is maybe we'll talk about and we'll say like what's the biggest asset that you own well most people they would say it's their personal residence right right it's the biggest asset that right right and then we talk about like no it's you right like you are the biggest asset to your family right because for me like I've got 20 more years of work ahead of me. And so throughout those years, I talk like, even if you made $50,000 a year, for the next 20 years, add that to, that's a million dollars. It's more than my home costs. So I think that's the other piece. We just try to have that conversation to help see like, okay, well, if something were to happen to me, how many more years would I want my paycheck to go to my family? Gotcha.

Gotcha. You know, like is paying off the house, is that enough? So I think those are conversations that get a little deeper. And sometimes they're scary because you're talking about like death, right? And that is something that we know is inevitable, but we don't want to think about all the time. Well, I think I'll take on to my experience of buying houses. I've probably bought over 400 houses.

And the biggest thing that I see with families is that people die without a will. They've never talked about it, not once. And now the rest of the family is fighting for whatever's left, right? And in those times, in my scenarios, right, most of the time the family didn't have much to start with, and the last thing is the house. And now the house is getting sold, and it's broken to four, six, eight siblings.

And so they're not getting what they think they deserve. And all of this stuff could be handled with preparing. Like, just talk to somebody. This stuff needs to be, I think they need to talk about it in schools more. I think they need to, hey, this is what this is about. I don't think necessarily schools do a great job in preparing people for life.

I don't remember any class that I took in college or high school that talked about insurance and what it actually means. Right. You know? And so um definitely even if those people had life insurance it would have paid for the house it would have it would have given the family a little bit more money it would have done this and it doesn't even cost that

much kyle let's switch seats. It's true. It really is. And I think that's the other thing. It's got to cost so much. But I'll tell you, I just helped a woman business owner, four kids. She just got a 20-year term policy for $625,000. And it's costing her $72 a month.

Now, there's factors that contribute to it. Your age, your gender. That's not my space is underwriting of the insurance. But come and ask and let's see what we can do. And I would say that that's a space where you just start. What kills me is the GoFundMes you see too on Facebook or social media. And I donate to them because I feel bad. My heart is there. And then I have these thoughts like, could I have, should I have, did I talk to them about it?

Because they could be set up in a far better situation than what they're currently in. If they'd have just taken a couple more extra steps, had a conversation, invested some money, right? Because that's what you're doing in the insurance. You're planning for a rainy day. You don't want anything to happen, but you want to make sure that you're doing in the insurance. You're planning for a rainy day. You don't want anything to happen, but you want to make sure that you're covered for when it does happen because who knows?

Yeah, and I understand, and maybe it's not the time. It's not in the budget. And that's where I want to help have that real conversation. And there's absolutely no judgment attached to that. But I would say the sooner, like the younger, the better. Right. Especially do you do whole life as well? Yeah. So I have a million dollar whole life policy that I fund. And I got it when I was 25. Right.

And so it's just it's money going into it every month. Right. But that policy that I got, I mean, it was way cheaper than what if I get it now at 39. Right. Right. And I got them for my kids. Right. And some people, like, when I share that, they're like, look, I didn't get it hoping that my children will not survive or not outlive me. Right?

But what I did, because the other layer to, like, child policies is that it locks in their health. Yeah. So, like, typically, like, when they're younger and we're going through questions, like, and there's situations and there's scenarios. So I'm not, this is, like, broadly talking, like, I'll just talk about my kids specifically, okay?

They didn't have anything at the time when the policies were written. And so when they're 40, they have these policies that are going to carry them forever. Like, I hope they never smoke. They better not. Or get an ailing disease or whatever it may be. But now I've locked in their health for the rest of their life. And it's powerful. And my mentor, he has million-dollar policies set up for his kids,

and he dumps cash in. And what I also think that business owners don't know, that they are write-offs. And then you can also borrow against those policies after they've got enough cash value in them. You can borrow that money and then put it back, and it still grows. So there's some cool different things that you can do as far as insurance that you may not know about, and hopefully this is shedding some light for some people out there with this. And then you can partner whole life and term.

It's pretty cool. It's pretty interesting. And it's not just wasting money. I don't think so. No, it's pretty cool it's pretty interesting and it's not just wasting money I don't think so I think someone I went to this class and they were challenging us what do you do and I was like I sell insurance no what do you do

and it's like I protect families and the reason it's like it's important it's a choice it's like it's important, it's a choice. It's like an active choice. It's going to take some time. So you've got to say like, okay, I'm going to dedicate to like going in,

learning about this, filling out the applications, and then it's like so rewarding after. Well, I think people think of this as a big, like this big thing that they have to bite off. Like they know nothing about it. Now I got to learn all this stuff about it. And then I got to do this. Break it down. Like, hey, I'm going to learn. All right. We're going to take this week and we're going to learn about what the heck whole life is and how is it going to benefit me. And I'm going to make a decision on whether or not I'm going to get into it. Great. Boom. And then maybe take a week off and then go to the next week and say, all right, now I'm going to learn about what this is. And all you got to spend 30, 45 minutes a day on that. Have a

conversation with you, do a call, do a little reading, find out what's best and how you can make it work. And you continually to stack that every month, wills, all this other stuff, trusts. Yes. And you keep doing that, and then by the end of the year, you'll be financially set or protected in a whole different level. So I...

Good job, Kyle. I don't know much about insurance, though. No, you do, though. I think that's where you do. You do know more. And most people do. They know more than they think they know. But let us help you put that puzzle together.

You've got the pieces there. I know the base, right? All right, what do I need to do here? What do you see? Because that's where I really, when I use, I know the base, but I need to know specifics like, all right, is my, you know, benefit here on my auto insurance? Do you, what, what is the majority of the claims at? Where do I need to be? Like is 500,000 enough or do I need to be at a million? Yeah. Right. Um, I think too, it's like everyone is in a different space and that's okay too. But most importantly, too, it's like everyone is in a different space, and that's okay, too.

But most importantly, like, well, what's most important to you? Right. So, like, think about you and the value you're bringing into your family. And, like, what do you want to do to protect them? Right. And, you know, the goal is to survive. Right. And not have to use, it depends on what the policy is,

but I would say there's so many different options that we can use and stack and explore to help fit what you need and what you can afford. And that's why you just can't say, hey, it's a... Just do it. Right. What is it? One size fits all? Yeah.

Everybody's different. Everybody has different income levels. Everybody has different exposures with kids and other things and businesses. And you do business insurance as well? Yeah, we do. Nice. You kind of cover everything. Yes.

House, home, business, life. And then actually I'm also a certified financial consultant. And so we offer an array of financial products as well and so it's really a place where you can come to our office and talk about all of the things and um that's what we really enjoy like our day is that much better when people come in and visit us um like actually in the office or on the phone we do do it all. We can do video. We can do phone calls. But like when the bell rings and someone enters our office,

it's like everyone just gets a little bit more excited. Oh, that's cool. Yeah, it's cool. That's cool. Well, I appreciate you coming in, Eva. Thank you for coming in, sharing some knowledge. Leaving here, what is one thing that you want listeners to remember

about the insurance? Yeah, my like, I've gone to a few different like organizational meetings and I try to say like, insurance isn't always fun, but I am. And so at least come in

and talk about it and no obligation. Like, let's just look at what you have. Is it enough? And do you know? Do you know what you have? Yeah. So just look at those documents a little deeper.

And if it's not with an agent in town, maybe it's time to get an agent in town. Okay. And then. Is local better? Is it like, does it's time to get an agent in town. Okay. And then this local, local better. Is it like, does it make a difference? I'll say like, I like it because then we can see each other face to face. Okay. But at the same time, like when our customers move an hour away, I don't want them to leave me either. So I would say it depends. It depends on what your needs are. Um, but being local provides more opportunity. So I would say to that, find somebody you trust, right? Somebody that trusts,

that gives you the right advice. It's not just trying to sell you something. Right. Wants to make sure that you're, you're protected and in life. So do that. Find somebody you trust. Eva is a perfect, where do people find you? They can find us locally on Emmett Street, so near the CVS. My website is Eva, E-V-A-G-E-E-S-C-O-T-T.com, so evagscott.com. And you can search Eva G. Scott State Farm, and I'll show up too. Cool. Yeah. Well, I really appreciate you coming out today, sharing your story, sharing your info, and everything that you know about this.

And if you want to learn more, granted, guys, we can't cover everything that happens on a 45-minute show. But if you want to learn, we can hit the basis, but if you want to learn more, reach out to her, understand where you are in your situations, and get protected because, really, insurance necessarily isn't an expense. It's an investment for yourself.

And reach out to Eva. Thank you, guys. Thank you. Until next week, I'll see you later.