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.

Independent insurance agency growth requires more than market access. An SIA of NC partnership delivers coaching, carrier alignment, Access Plus support, and stacked compensation that helps agencies scale profitably.

Whether you’re starting from scratch or running an established firm, discover how this model helps owners shift from salesperson to business leader while preserving independence. Build stronger carrier relationships, unlock profit-sharing, and protect the most valuable asset you’ll ever own—your agency.

#insurance #SIAofNC #InsuranceEditionPodcast #BuildYourLegacy #AgencyGrowth #IndependentAgency #CarrierRelationships #InsurancePartnerships

How SIAA Partnerships Drive Agency Growth
Jack Calabrese, Chief Growth Officer at SIAA, joins us to share how SIAA helps agencies grow stronger, smarter, and faster. From market access to technology and training, these partnerships go beyond policies—they help independent agencies build long-term value and prepare for the future.

We discuss:

• The history and evolution of SIAA
• Why growth is the cornerstone of the model
• How local and national support work together
• Strategies to build your agency as a true financial asset

Listen now to see why SIAA partnerships are a proven path for agency growth.

#Insurance #SIAofNC #InsuranceEditionPodcast #BuildYourLegacy #AgencyGrowth #IndependentAgencies #InsuranceBusiness

What commission do independent insurance agents get paid? In this episode, we break down how agencies earn 100% commission when writing business directly with carriers. Discover why this structure means faster payments, greater ownership, and long-term equity for your agency.

Listen in to learn:
✔ How direct commissions improve cash flow
✔ Why ownership of contracts builds lasting value
✔ The benefits of eliminating middlemen in compensation

Available on Apple Podcasts, Spotify, Amazon Music, and YouTube.

#insurance #siaofnc #insuranceeditionpodcast #buildyourlegacy #AgencyCompensation #InsuranceGrowth #IndependentAgencies

Direct codes may open doors, but they aren’t the whole story. In this episode, we explore why agency partnership benefits keep independent agencies engaged for the long haul. From profit-sharing opportunities to consulting services and long-term stability, partnerships provide resources no agency should overlook.

Listen in as we break down why agencies stay for decades—and how partnerships deliver lasting value.

#insurance #siaofnc #insuranceeditionpodcast #buildyourlegacy #agencygrowth #carrierrelationships #independentagencies

Your agency is your legacy—but can you pass it on to the people you trust most? The answer is yes. In this episode, we dive into how to pass your agency to family or key employees, why it matters for your succession plan, and real-world examples of successful transitions.

From family ownership to key employee buyouts, we share what works, what to watch out for, and how to make sure your agency thrives in the next generation.

Listen now and start shaping the future of your independent agency.

#insurance #siaofnc #insuranceeditionpodcast #buildyourlegacy #agencyperpetuation #successionplanning #independentagency #agencygrowth #insurancepodcast #legacyplanning