Agency Freedom

Agency Freedom


Agency Freedom Podcast exists to help insurance agency owners and sales professionals make the jump from the captive world to the independent side of the industry. We then equip you in every topic imaginable to help you dominate your market once you’re FREE. We deliver authentic, actionable and audacious content and hard-hitting interviews from the best former captives in the country. Make your Freedom Jump with Agency Freedom Podcast.

Hosted By

Hosted By

James Jenkns

In Part 1 of this two-part episode, James talks with Aaron Farmer, Principal of Top Dog Pet Health Insurance, and President of California Flood Insurance.

To learn more about California Flood Insurance, visit

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Episode Highlights:

  • Aaron discusses how he got his start in the insurance industry and shares that he has a soft spot in his heart for farmers. (5:10)
  • James discusses the benefits of an independent agency vs a captive agency. (8:08)
  • Aaron shares that he had a bit of an advantage that most people don’t have, and that is that he had gotten into the private flood game and used private flood to write homeowners. (13:56)
  • Aaron believes that most agents nowadays are unconcerned about losses or the failure of a company. (21:18)
  • Aaron explains why it is important for any agent, particularly younger agents, to consider becoming a business owner after they have chosen to stop working as an insurance agent. (25:12)
  • Aaron mentions that one advantage of his farmer’s contract was that he could put business outside of farmers if it didn’t fit. (32:16)
  • Aaron shares that he just re-entered the contracting market with a live company that does some very fascinating InsurTech-type things with life. (38:16)
  • Aaron explains that life insurance has many challenging issues, but there are many resources and you can bring in experts, if needed. (42:54)
  • Aaron discusses several technologically advanced and inventive projects he’s working with. (43:42)

Key Quotes:

  •  “I believe you can be successful. It doesn’t matter, independent, captive, there are successful people everywhere.” – Aaron Farmer
  •  “I feel like it’s our duty as agents, we should be talking to people about life insurance, it’s important.” – Aaron Farmer
  • “There are a lot of complex issues that could be solved with life insurance, but someone just needs to tell them. And someone needs to hold their hand. And there are a lot of resources. So you don’t even have to be 100% expert, you can just bring the experts in, right?” – Aaron Farmer