In this episode of Build Your Legacy: Insurance Edition, Bill Mills and Josh Harward dig into an often-overlooked topic — disability insurance for agency owners.

They discuss how a sudden illness or injury could disrupt your income and business operations, and why protecting your ability to earn is just as important as protecting your clients. It isn't enough to just have life insurance- an owner needs to also have disability insurance in place as well.

What You’ll Hear

Why disability insurance matters for agency owners

How income protection fits into your overall risk strategy

The difference between short-term and long-term coverage

Practical steps to secure your financial stability

In this episode of the Build Your Legacy: Insurance Edition podcast, we explore how life insurance can be one of the most powerful tools in agency perpetuation and succession planning.

From buy-sell agreements and key person coverage to protecting your family and your agency’s value, life insurance does more than provide peace of mind — it ensures the continuation of what you’ve worked so hard to build.

Join Bill Mills and Josh Harward as they discuss:

• The connection between life insurance and long-term business continuity
• How life insurance supports perpetuation funding and ownership transfer
• The difference between personal and business coverage
• Common mistakes agency owners make when structuring policies
• How to start planning early to protect your legacy

Whether you’re an independent agent, an agency principal, or part of a family-run business, this episode breaks down why life insurance should be part of every perpetuation plan.

👉 Listen now and learn how to secure both your agency’s future — and your family’s.

Independent agencies often ask: “Can I work with carriers that aren’t in your network?” The short answer—yes. In this episode, we explain how working with non-network insurance carriers can provide flexibility while still maintaining strong partner relationships. Discover the benefits, risks, and strategies that will help your agency grow without overextending.