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Hi, my name

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is Natalie McGill and I am with Capitol
Agency Insurance.

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I am here today with my colleague
Brian Rauber and we are here to answer

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some frequently asked questions
about the agency about insurance.

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And we're really excited to get into that.

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Looks like we have another question
that's come in.

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Natalie, what's your insurance pet peeve?

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Oh, I know this one.

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The term full coverage.

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What does that mean?

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How is it
that it's fully covered? From what?

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It's a term that,
I somebody invented an insurance

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marketing room somewhere a long time ago,
and it's it's

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it doesn't exist.
So there's no such thing.

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There's no such thing.

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I think, I mean, people

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use it to describe comprehensive
and collision coverage on an auto policy.

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So if you hit somebody and they, you know,

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and you have full coverage, it's
going to take care of everything.

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Misnomer.

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There are a lot of pieces
to an auto policy.

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And without getting as nerdy
as I want to at this moment,

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just I to understand that
that there is no full coverage.

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What what's your pet peeve?

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Well, I've got to be careful with this
because I don't want to,

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offend anyone,
but it's the term apples to apples.

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I understand,
when when folks are shopping

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to compare their rates,
they want to compare, what they have.

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But apples to apples
is really not what we're here for.

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We want to make sure
that you get the right value,

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the right coverage, for your needs.

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What I like to tell clients
when I talk to them is,

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if you shop apples to apples,
and that's what you've always done,

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you have the same liability coverage
you had when you were 16 years old.

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And I think it's probably safe to say
your life is changed.

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Your assets have changed.

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So, apples to apples is
the one is the one that gets me.

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I think the conversation
needs to be deeper.

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Yep. No, I completely agree.

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And, you know, a Capitol agency,
one of our philosophies, philosophies

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is, you know, if somebody comes to us
with, you know, their current policy

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from another agent,

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you know, that's like copying somebody's
homework that may or may not be right.

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Yeah. So dog should have eaten it.

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Exactly. The dog.

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Dog may have needed to eat that policy.

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But, we're going to

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underwrite your risk, as you know,
as we know how to do.

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Our next question is, you know,
what is your elevator pitch?

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Why should I buy my insurance from you?

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Well, as we mentioned earlier, Capitol
agency has been around nearly 75 years.

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We've got a team of licensed account
managers, account

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executives,
all with a wealth of experience.

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We're independent agents
so we can help our clients

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shop their policies
through a host of carriers.

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And I think we're good.

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Yeah.

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But talk to me about you.

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Why should I buy my insurance from you?

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What makes Bryan Roper
the guy I want to buy insurance from?

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I've been in the industry for 25 years.

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And I've worked, in all lines
of business

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out on home, commercial life, long term
care, Medicare related products, health.

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I like what I do.

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I mean, this is my career,
and we're here to help.

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Yeah.

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I think, you, like me,
are also an insurance nerd.

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Which, you know,

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it doesn't make us one. Hates to brag.

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Yeah, it doesn't make us, like,
the coolest kids at the party.

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But we I actually enjoy insurance.

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I enjoy the business of it.

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I enjoy digging into policy,
you know, coverage and questions and,

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Well, at the end of the day,
insurance is important.

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I'm glad that we're, partnered

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and part of Cap Fit
because, you know, it's all about assets.

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And, at the end of the day,

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you know, your insurance
is the foundation of your financial plan.

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And, you know, you don't want one mistake,

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you know,
a bizarre accident to compromise.

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You know, your nest egg.

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So now I am getting nerdy. Yep.

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It's okay. It's okay.

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Oh, wow. It.

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Oh, we have another video question.

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This one is from our friend Alex.

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I've heard people mention

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personal umbrella policies,
but what exactly does that cover?

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Excellent question. I'm glad you asked it.

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We kind of touched

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upon it a little bit earlier,
I think, with our young driver question.

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Do you want to go ahead and just explain,
sort of what an umbrella is

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and what it does?

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Absolutely.

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An umbrella is a separate,
liability policy that that goes above.

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And I can't say umbrella
without doing this. Yeah.

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Above and beyond the policy limits
of both your auto, and your home.

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And if you have other, toys,
like boats or,

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or, you know,
ATVs and the umbrella policy,

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adds liability coverage

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beyond the maximum payout
that you would have on those policies.

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So, you know, the most common event
that that would happen

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where an umbrella would kick in, would be
an unfortunate auto accident where,

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you know,
most clients have auto policy limits

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that that stop at 100,000 or 250,000
for the injuries to one person.

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The umbrella,

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if you maxed out your policy,

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it would add a million on top of that.

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So you'd go from 250,000 for the injuries
of that person to 1.25 million.

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Yeah.

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And, you know, in this day and age, it's
not hard to exceed those underlying limits

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if you're in a multicar accident
that, you know, involves,

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you know, a Tesla,
a BMW, and a Mercedes and a Kia,

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and you've already blown through
your underlying limits pretty quickly.

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And if there's injuries, 
you know, on top of that,

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the $100,000 does not go very far
in a hospital setting any longer.

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And I think the thing to keep in
mind is the umbrella protects your assets.

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So, you know,

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let's say that you have a policy where
it's maxed out at 100,000 in coverage.

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If you have an accident
and it exceeds that 100,000

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that injured party or their family
can come after your assets.

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You know the policy, the carrier,
they're going to pay the 100,000

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the injury party is going to to pursue

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the rest of
of what they need for their injuries.

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And that means they can come
after your personal assets.

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So, you know, think of your savings, your
your home equity, if you have more

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to protect than what your liability
limits are, you're under insured. Yep.

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One of the objections
that I hear, from time to time is, well,

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I don't have anything.

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You know, I don't have any assets
for them to come after.

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Let them come after me.

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Like, do you have the capacity to work
still, you know, are you not,

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you know that a tiger manage, 
you know, or beyond,

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you know, like a court can consider your,

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future wages in any kind of judgment
and that kind of situation.

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So you may not have anything now,
but everything that you plan to have in

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the future is in jeopardy if you don't
have the right kind of coverage in place.

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Absolutely.

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Garnishment is a very real thing.

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You know, I'm I'm
no, I'm not an attorney, but, you know,

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they can garnish up
to 25% of your after tax income. So,

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you know, can
you live on 75% of what you did before?

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I can't

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my wife can't live.

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I love this question. So,

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I, you know, I have, friends and family,
obviously, outside of the industry.

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Shocking.

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And, you know,
they'll say your insurance is boring.

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It's boring. How do you do this?

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Why are you doing this?

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What's your why? Why are you.

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Why have you stuck with it
as long as you have?

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You know, every.

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Every day is different.

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Every client's different.

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You know, as we've talked about,
we do multiple lines.

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We're not just auto and home.

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You know, if you have a small business,
I can help you insure that I can I can,

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help you navigate.

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As that business grows,
you're going to have different needs.

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You're going to need worker's
comp at some point.

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You know, if if you need

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your business needs group health,
we can help with that.

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You know, when you reach retirement,
I can help you with that transition

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from, you know, regular health insurance
or under 65 health insurance

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to Medicare, like,

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there's

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we can help clients
throughout every stage of their life.

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And, you know, again,
you know, as I mentioned earlier,

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insurance is is the baseline,
the foundation of your financial plan.

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And I know I, I guess it's
kind of an honor to help people with that.

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Yeah, I agree.

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For me, I think,

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you know,
insurance has a place for everyone.

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And it's not just, you know,
for those that sit behind, you know,

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actuarial tables, setting rate, it's
not just the product people,

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building the insurance
policies on the state level.

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It's been a the industry
has been good to me in a lot of ways.

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And my favorite part of it is,

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being able to, you know, use my, my,
my people skills.

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You know, I love talking to customers.

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I love interacting with our employees.

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Insurance is never going away.

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And literally every person and needs some
form of insurance from birth to death.

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So, you know, being able to be the person
that helps them

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navigate that journey is it's kind of fun.

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We at Capitol Agency Insurance
would like to be your insurance partners.

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You can reach us, pretty much anywhere.

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You can find Capitol Federal.

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You can stop into your local branch.

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You can give our 800 number a call
or find us on the website, or on social.

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Or you can click on the links below.