The 2026 insurance outlook points to stabilization, not softness. As rate-driven growth slows, carriers are shifting their attention toward organic growth, underwriting discipline, and risk quality.

This conversation explores:
• What market stabilization really means for agencies
• Why carriers are prioritizing policies in force over premium spikes
• How data and technology are reshaping underwriting decisions
• The increasing importance of risk management and loss prevention
• What agencies must do now to stay competitive in 2026

Independent agencies that adapt early and return to the fundamentals of risk selection and client education will be better positioned as the market continues to evolve.

The New Year is often seen as a clean slate—but lasting success in insurance doesn’t come from drastic resolutions. In this episode of the Build Your Legacy Insurance Edition podcast, Bill and Travis discuss how producers and agency leaders can use the start of the year to build better habits, clearer focus, and consistent growth.

From dedicating uninterrupted prospecting time to investing in education and team development, the conversation highlights why discipline and small daily improvements matter more than lofty goals that fade by February.

This episode is a reminder that progress in insurance—like any profession—is built through steady effort, accountability, and intentional routines.

What You’ll Learn:

• How to reset professionally without overwhelming yourself
• Why achievable habits lead to long-term growth
• Simple prospecting discipline that top agencies prioritize
• The role of education and curiosity in career development
• How leaders can invest in their teams without burnout

Perfect For:

• Insurance producers
• Agency owners and managers
• Team leaders focused on growth and accountability
• Professionals planning their year with intention

Connect With Us:
🎧 Listen on Apple Podcasts, Spotify, Amazon Music, or YouTube
🌐 Learn more at siaofnc.com
✉️ Submit topics or feedback at podcastsofNC.com

In this special holiday edition of the Build Your Legacy Insurance Edition podcast, we step back from the day-to-day grind and talk about what the Christmas season can teach insurance agencies about leadership, preparation, and culture.

From lighthearted debates about Christmas movies to meaningful conversations about running an insurance agency, this episode focuses on two timeless lessons: preparation matters and kindness goes a long way.

For many insurance agencies, the holiday season brings a slower pace. Instead of waiting until January, this is the perfect time to prepare for the year ahead, reduce stress, and create clarity for your team. We also discuss why being intentional about kindness, appreciation, and culture isn’t just a seasonal idea—it’s a leadership strategy that carries value all year long.

Whether you lead a personal lines agency, commercial book, or benefits team, this episode offers perspective on how planning ahead and treating your work family like family can strengthen your agency and set the tone for long-term growth.

In this episode, we discuss:

• Why preparation reduces stress in both business and life
• How the holiday season creates space to plan ahead
• The importance of kindness in leadership and agency culture
• Treating your team like family and building long-term loyalty
• Why employees want a career path, not just a job
• Using year-end reflection to prepare for a strong new year

Listen now and enjoy this festive, thoughtful conversation designed to help insurance leaders finish the year strong and start the next one with clarity and purpose.