--- title: Ep. 20 - Insurance Questions, Answered description: Planning for longevity isn’t just about money—it’s about ensuring your future quality of life. Learn how RMC Group can help you plan for retirement. image: https://rmcgp.com/hubfs/Email%20Headers%20-%20images%20pod.png --- [ ← Back to Blog ](https://rmcgp.com/rmc-podcasts) # Ep. 20 - Insurance Questions, Answered Written By RMC Group Published on: January 13, 2026 **Categories:** Retirement Plans ![Ep. 20 - Insurance Questions, Answered](https://rmcgp.com/hubfs/Email%20Headers%20-%20images%20pod.png) ### Welcome to Season Two of the Legacy Lab! In this episode of *The Legacy Lab*, Megan Davis and Ashley Simpson answer the most common Property & Casualty insurance questions business owners and individuals ask. They walk through how often you should review coverage, common mistakes that can lead to gaps or overpaying, and how to think about limits as your business or life changes. The conversation also covers key personal insurance topics — from homeowners and auto policies to flood, hurricane, umbrella coverage, and smart ways to save. Whether you’re preparing for a renewal or want to improve your overall protection strategy, this episode breaks down complex insurance ideas into useful insights you can act on.   [➡️ Listen on Apple Podcast](https://podcasts.apple.com/us/podcast/the-legacy-lab/id1789614291) [➡️ Listen on Spotify](https://creators.spotify.com/pod/profile/thelegacylab/episodes/Whose-Car-Is-It-Anyway--Understanding-Hired--Non-Owned-Auto-Coverage-e31v8vc)   ## Key Takeaways - Insurance should be reviewed regularly and updated as your business or personal situation changes to avoid gaps or overpaying. - Understanding policy details like coverage limits, replacement cost vs. actual cash value, and business interruption coverage is critical before a claim happens. - The right insurance strategy goes beyond price, helping protect both personal and business assets with coverage tailored to real risks. ## Other Resources - [Meeting Link for Thomas Bacharach ](https://meetings.hubspot.com/tbacharach/meeting-with-tom-bacharach-rmc-group)(business insurance) - [Meeting Link for Ashley Simpson](https://meetings.hubspot.com/asimpson6) (personal insurance) - Navigating the Gusts >> [Read Here](https://rmcgp.com/blog/2023/11/30/navigating-the-gusts) - Actual Cash Value vs. Replacement Cost: What’s the Difference? >> [Read here](https://rmcgp.com/blog/the-art-of-risk-management-keeping-in-step-with-the-unexpected) - Follow us on social networks at @rmcgp on [LinkedIn](https://www.linkedin.com/company/rmc-group), [Facebook](https://www.facebook.com/rmcgp) and [Instagram](https://www.instagram.com/rmcgp/) ## Related Blog Posts [![Ep. 28 - What Happens if I Live Too Long?](https://rmcgp.com/hubfs/Email%20Headers%20-%20images%20pod.png) ](https://rmcgp.com/rmc-podcasts/ep.-27-what-happens-if-i-live-too-long) ### [Ep. 28 - What Happens if I Live Too Long?](https://rmcgp.com/rmc-podcasts/ep.-27-what-happens-if-i-live-too-long) Planning for longevity isn't just about money — it's about making sure your future quality of life is protected. We spend a lot of time planning for what happens if we die too soon. But what about... [Read More](https://rmcgp.com/rmc-podcasts/ep.-27-what-happens-if-i-live-too-long) [![Ep. 27 - Ten Years of Giving Back: The Story Behind the RMC Open](https://rmcgp.com/hubfs/7-3.png) ](https://rmcgp.com/rmc-podcasts/ep.-28-ten-years-of-giving-back-the-story-behind-the-rmc-open) ### [Ep. 27 - Ten Years of Giving Back: The Story Behind the RMC Open](https://rmcgp.com/rmc-podcasts/ep.-28-ten-years-of-giving-back-the-story-behind-the-rmc-open) Ten years. Two charities. One tournament that started in a rainstorm. Here's why the RMC Open is one of our most meaningful traditions. What happens when a chance encounter on a rainy afternoon... [Read More](https://rmcgp.com/rmc-podcasts/ep.-28-ten-years-of-giving-back-the-story-behind-the-rmc-open) [![Ep. 26 - When Disaster Strikes: Business Interruption Insurance and What Gets Left Out](https://rmcgp.com/hubfs/RMC%20-%20Podcast%20Blog%20(9).png) ](https://rmcgp.com/rmc-podcasts/ep.-26-when-disaster-strikes-business-interruption-insurance-and-what-gets-left-out) ### [Ep. 26 - When Disaster Strikes: Business Interruption Insurance and What Gets Left Out](https://rmcgp.com/rmc-podcasts/ep.-26-when-disaster-strikes-business-interruption-insurance-and-what-gets-left-out) The best time to understand your coverage is always before disaster strikes. This episode is where to start. What happens to your business when disaster forces you to close? Most business owners... [Read More](https://rmcgp.com/rmc-podcasts/ep.-26-when-disaster-strikes-business-interruption-insurance-and-what-gets-left-out) 1004 Collier Center Way #206 Naples, FL 34110 ```json { "@context" : "https://schema.org", "@type" : "BlogPosting", "author" : { "@type" : "Person", "name" : "RMC Group", "url" : "https://rmcgp.com/rmc-podcasts/author/rmc-group" }, "dateModified" : "2026-01-13T15:15:00.541Z", "datePublished" : "2026-01-13T15:15:00.000Z", "headline" : "Ep. 20 - Insurance Questions, Answered", "image" : [ "https://rmcgp.com/hubfs/Email%20Headers%20-%20images%20pod.png" ], "mainEntityOfPage" : { "@id" : "https://rmcgp.com/rmc-podcasts/ep.-1-insurance-questions-answered", "@type" : "WebPage" }, "publisher" : { "@type" : "Organization", "logo" : { "@type" : "ImageObject", "url" : "https://rmcgp.com/hubfs/RMC_Group_Logo_%5BYW.BL.NA%5D.svg" }, "name" : "RMC Group" } } ```