Navigating Insurance with Expert Advisor David Hurd

In this episode of the Build It Keep It Podcast, host Ted Murphy welcomes special guest David Hurd, co-founder of Sublime Choice Insurance. David shares his extensive background in both the medical and insurance fields, illustrating how his problem-solving skills developed in cardiac medicine translate into effective insurance advising. The discussion covers homeowner's insurance, auto insurance, and the importance of life insurance. David shares compelling real-life stories emphasizing the value of comprehensive insurance coverage and the role of insurance advisors in managing risk. Listeners will gain valuable insights into making informed insurance decisions to protect their wealth and family.

00:00 Introduction and Guest Introduction
00:57 David Hurd's Background in Insurance
03:19 Transition to Brokerage and Business Ventures
05:54 Founding Sublime Choice Insurance
08:12 The Importance of Insurance Advisors
12:20 Real-Life Insurance Scenarios
15:43 The Importance of Umbrella Policies
16:24 Auto Insurance Horror Story
18:20 Costco and Insurance: A Comparison
20:19 The Role of an Insurance Advisor
22:24 Introduction to Life Insurance
23:13 The Critical Need for Life Insurance
30:18 Term vs. Whole Life Insurance
37:38 Optimizing Your Retirement Strategy
41:04 Conclusion and Final Thoughts