The Power Producer's Podcast

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Power Producers
Podcast

This is The Power Producers Podcast where we are refining and redefining the sales game. A place where sales professionals can come to learn from other sales professionals and thought leaders who have mastered their craft. As well as their peers who are still striving for perfection to achieve their “why”. Real sales professionals. Real stories. Real results. Are you ready to feel the power?

How AI and Automation are Reshaping the Industry with Jeff Harris, Episode #396

November 12, 2025

In this episode of the Power Producers Podcast, host David Carothers sits down with Jeff Harris, the CEO and co-founder of Appulate, widely considered the original Insurtech (founded in 2005). Jeff shares Appulate’s journey from solving the “abysmal” problem of supplemental form generation to becoming an all-in-one AI solution for agencies. They discuss the critical gap between insurance and technology, how AI is reshaping the industry, and why Appulate is taking a conservative and reliable approach to its implementation. The conversation also covers the dangers of agents using public AI tools with client PII and how technology is the “great equalizer” for small agencies.

Becoming the Protege with Lloyd Brown, Shoptalk Episode #199

November 7, 2025

In this third installment of the “Becoming the Protégé” series on Power Producers Shop Talk, host David Carothers sits down with contestant Lloyd Brown. David opens the show with a candid discussion on the need for greater diversity in the “pale, male, and stale” insurance industry, commending Lloyd for joining the competition. Lloyd shares his powerful personal journey, from attending ministry school for six years to become a pastor to finding his calling in the business world. He explains how his core strength of empathy has become his greatest asset, allowing him to build a successful niche serving churches, religious organizations, and schools in the challenging Florida market.

From Submission Bottlenecks to Scalable Growth with Toby Hung, Episode #394

November 5, 2025

In this episode of the Power Producers Podcast, host David Carothers sits down with Toby Hung, co-founder and COO of 1Fort, to discuss the practical application of AI in commercial insurance agencies. Toby shares his background on both the carrier and tech sides, explaining why he co-founded 1Fort to bridge the gap between insurance and technology. The conversation centers on how AI can automate the most time-consuming, non-revenue-generating tasks—like the submission-to-bind process—allowing agencies to 10x their revenue without 10x their headcount. They also explore why AI is the “great equalizer” for small and mid-sized agencies.

Becoming the Protege with Joe Hollier, Shoptalk Episode #198

October 31, 2025

In this second episode of the “Becoming the Protégé” series on Power Producers Shop Talk, host David Carothers sits down with Protégé Season 3 contestant Joe Hollier, also known as “Mr. Hotel.” Joe, a 20-year industry veteran, shares why he’s joining the competition to accelerate his full transition into the commercial insurance space. The conversation covers his deep background in the hospitality industry, his niche focus on boutique and luxury hotels, and how he’s building a brand focused on service over sales and improving hospitality culture to differentiate himself.

Reclaiming Purpose in a Distracted World - Tania Khazaal

Reclaiming Purpose in a Distracted World with Tania Khazaal, Episode #394

October 29, 2025

In this episode of the Power Producers Podcast, host David Carothers and co-host Kyle Houck welcome Tania the Herbalist, a former top insurance salesperson turned holistic life advisor. Tania shares her journey from corporate burnout to helping people become the “CEO of their life” by finding purpose and balance across health, career, and relationships. The conversation delves into the scarcity mindset around time and energy, the societal programming that hinders women’s confidence in the workplace, the detrimental effects of the “cutoff culture,” and the importance of holistic independence from broken systems.

Becoming the Protege with Sam Louwrens, Episode #197

October 24, 2025

In this first episode of a special 12-part Power Producer Shop Talk series titled “Becoming the Protégé,” host David Carothers introduces the contestants and coaches for The Protégé Season 3. Kicking off the series is Sam Louwrens (Can’t shut up Sam on X), whose application video generated significant buzz. David sets the stage, explaining his motivation for reviving The Protégé—to give back, train new talent, and challenge the industry’s often inadequate approach to developing producers. Sam shares his creative background, why he decided to jump into the competition, the story behind his unique application video, and the early media attention he’s already receiving.

From Confusion to Clarity with Ashley Napier, Episode #392

October 22, 2025

In this episode of the Power Producers Podcast, host David Carothers and co-host Kyle Houck welcome back Ashley Napier of Solomon Strategic Advisors, a key supporter of Producers in Paradise. Ashley, who transitioned from an agency COO to a leadership consultant, shares her insights into the common struggles facing insurance organizations today. The conversation explores the critical need for organizational clarity, the difference between mission and vision, and why many leaders lack the self-awareness and other-awareness required to build high-performing teams. They also discuss the pitfalls of promoting top producers into leadership roles they aren’t suited for and the cultural challenges presented by mergers and acquisitions.

Becoming the AI-First Agency with Kevin Surace, Episode #391

October 15, 2025

In this episode of the Power Producers Podcast, host David Carothers and co-host Kyle Houck are joined by Kevin Surace, an inventor, keynote speaker, and the “father of the virtual assistant.” They take a high-energy deep dive into the present-day impact of Artificial Intelligence (AI) on the insurance industry. Kevin explains that the AI revolution is not a future event—it’s happening right now. He details how AI is set to transform every aspect of insurance, from automating claims processing and quotation to serving as a powerful co-pilot for salespeople. They discuss practical, actionable ways agents can use AI today to find new clients, refine their sales pitch, and handle objections more effectively.

Why Stand Alone Cyber Beats BOPT Extensions Every Time with Zane Goldthorp, Shoptalk Episode #196

October 10, 2025

In the fourth and final installment of this Shoptalk series, host David Carothers and Zane Goldthorp of ProWriters tackle a critical issue facing agents every day: the vast difference between a standalone cyber policy and a simple BOP or package endorsement. They call out the laziness of settling for an endorsement, highlighting the massive coverage gaps it leaves and the E&O exposure it creates for the agent. Zane shares real-world horror stories of agents discovering their client’s six-figure loss wasn’t covered by their BOP. The conversation provides a clear, strategic path for agents to transition clients to proper coverage and use the inadequacy of endorsements as a powerful competitive wedge against other agents.

Why Being Liked is Killing Your Sales with Austin Medlin, Episode #390

October 8, 2025

In this episode of the Power Producers Podcast, host David Carothers and co-host Kyle Houck are joined by Austin Medlin of closedsales.com for a deep dive into the psychology of high-ticket sales. Austin, a sales expert with a 60% close rate on cold traffic, shares his journey from a natural-born hustler to a seven-figure closer. The conversation centers on overcoming the biggest hurdle for most salespeople: the fear of rejection and the need to be liked. Austin breaks down his framework for winning sales, which prioritizes deep discovery to build trust and emotional alignment before the pitch. He stresses the importance of being a leader in the sales process and why call review is the most critical tool for improvement.

David Carothers Podcast with Zane Goldthorp

Cyber Insurance Risk Management with Zane Goldthorp, Shoptalk Episode #195

October 3, 2025

In the third installment of this Shoptalk series, host David Carothers and guest Zane Goldthorp of ProWriters shift the focus to proactive risk management for cyber insurance. They make the case that even in a soft market, a responsible business owner’s focus should be on security, not just on meeting minimum carrier requirements. The conversation covers the essential security controls every business should have, including MFA, MDR, and employee training.

The Diamond Letters with Kevin Ring, Episode #389

October 1, 2025

In this episode of the Power Producers Podcast, host David Carothers, co-host Kyle Houck, and returning guest Kevin Ring of the Institute of Work Comp Professionals come together for a special tribute to the legacy of an industry pioneer, Preston Diamond. The conversation is sparked by the release of “The Diamond Playbook,” a new book compiling decades of Preston Diamond’s influential weekly sales letters. Kevin shares the story behind the book’s creation and offers a deep dive into Preston’s timeless sales philosophy: being client-centric, using stories to build trust, and moving beyond a product-pushing mentality. They also discuss how Preston’s critiques of agency websites from the 1990s are still shockingly relevant today.

Why Every Agent Should Lead with Cyber with Zane Goldthorp, Shoptalk Episode #194

September 26, 2025

In the second episode of our multi-part Shoptalk series, host David Carothers, co-host Kyle Houck, and guest Zane Goldthorp of ProWriters dive into the strategy of selling cyber insurance in a soft market. The conversation begins with an update on ProWriters’ expanded capabilities as a full-scale professional liability wholesaler. The core of the episode focuses on the agent’s “duty to offer” and presents a powerful strategic argument for getting clients into a cyber policy now, before the market inevitably hardens. They provide tactical advice for overcoming client pushback and reframe the conversation from selling a policy to fulfilling an advisor’s duty to protect a client’s livelihood.

Producers vs. Processors with Sam Louwrens, Episode #388

September 24, 2025

In this episode of the Power Producers Podcast, host David Carothers sits down with Sam Louwrens, a young producer and artist known as “Can’t shut up Sam” on X. The conversation explores the unique advantages of Gen Z producers, the flaws of the traditional agency model, and how to effectively compete with national brokers by being nimble and consultative. David and Sam stress the importance of moving beyond a salesperson mentality and becoming a strategic advisor who focuses on solving operational problems, not just selling a commodity. The episode also touches on the power of a fee-based compensation model and the critical need for agency cultures to support creativity and autonomy.

Why the Soft Cyber Market is Your Best Opportunity with Zane Goldthorp, Shoptalk Episode #193

September 19, 2025

In this first episode of a new multi-part Shoptalk series on the Power Producers Podcast, host David Carothers and co-host Kyle Houck are joined by Zane Goldthorp of ProWriters to kick off a deep dive into the cyber insurance market. Zane brings everyone up to speed on the recent acquisition of ProWriters by Victor, explaining how it will expand their product offerings into E&O and other specialty lines. The main focus of the conversation is a detailed breakdown of the current soft market in cyber. Zane explains the cyclical nature of the market—how the hard market of 2021-22 led to massive profits, which in turn attracted new capacity and drove prices down, creating the current buyer’s market.

Marketing Intelligence for Insurance Agencies with Joshua Lauer, Episode #387

September 17, 2025

In this episode of the Power Producers Podcast, host David Carothers and co-host Kyle Houck are joined by Joshua Lauer of Lauer Creatives for a deep dive into the world of marketing intelligence. Joshua shares his unique journey from aspiring songwriter to a data-driven marketing consultant. The conversation focuses on the most common and costly mistake B2B companies make: losing marketing attribution as leads move from their website to their CRM. Joshua breaks down the technical solutions for creating a seamless data flow, discusses the complexities of tracking “dark social,” and offers his perspective on the practical applications and limitations of AI in marketing analytics.

The Captive Conversation Part 4, Shoptalk Episode #192

September 12, 2025

In the fourth and final episode of The Captive Conversation on Power Producers Shoptalk, host David Carothers and Warren Cleveland of Captive Coalition unpack the conversation framework that allows agents to stay in control of their most valuable client relationships. They reframe the captive solution as the ultimate business continuity plan for an agent’s book, ensuring long-term retention. The conversation provides tactical advice, including a powerful “pattern interrupt” to start the discussion, and stresses the importance of shifting from a salesperson to a true strategic advisor. They also cover the right and wrong times to introduce the captive concept and why agents must act as the “quarterback” to guide their clients.

Turning Risk Into Opportunity with Valkyrie Holmes, Episode #386

September 10, 2025

In this episode of the Power Producers Podcast, host David Carothers and co-host Kyle Houck are joined by Valkyrie Holmes, the CEO and co-founder of FAURA, for a look into the future of risk assessment. Valkyrie explains how her background in data science at NASA and SpaceX led to the creation of FAURA, a platform that quantifies a property’s ability to withstand natural disasters, a concept she calls property survivability. They discuss how this technology equips agents with the tools to explain risk, justify pricing in a hard market, and offer clients actionable steps for mitigation. The conversation covers the agent education gap, building codes as “minimum wage,” and how granular, property-level data is changing the insurance landscape.

The Captive Conversation Part 3, Shoptalk Episode #191

September 5, 2025

In the third installment of our four-part series on Power Producers Shop Talk, host David Carothers and Warren Cleveland of Captive Coalition break down the fundamentals of captive insurance. This episode is designed to give agents the foundational knowledge needed to confidently discuss captives with clients. Warren demystifies the core concept, explains the different models, and provides a critical warning against the misused 831(b) tax election. They also tackle common misconceptions about size and risk, and outline the ideal prospect profile, emphasizing that commitment to risk management is non-negotiable for success.

From Cold Calls to Carpool Closers with Ema Roloff, Episode #385

September 3, 2025

In this episode of the Power Producers Podcast, host David Carothers sits down with Ema Roloff of Roloff Consulting for a deep dive into modern digital marketing for the insurance industry. They discuss the critical shift from traditional sales tactics to building trust through educational content, a strategy Ema calls the “Favorite Teacher Framework.” The conversation tackles the biggest hurdles for agents to talk about and lack of time—and offers practical solutions for creating a sustainable content engine. They also explore the right and wrong ways to leverage AI, the trap of vanity metrics, and why authenticity is the most important currency in today’s digital landscape.

David Carothers

Kyle Houck

Authenticity, Hustle, and Humor: Redefining Success for the Modern Insurance Producer

October 30, 2025

The insurance industry isn’t known for flash or flair. Most people picture gray suits, paperwork, and words like “renewal,” “loss runs,” or “premium audit.” But a new generation of producers is proving that this business doesn’t have to be boring. They’re showing that authenticity, energy, and creativity can make insurance not only engaging but a platform for meaningful connection and career fulfillment.

Producers vs Processors: How Young Talent, Fee-Based Models, and Transparency Are Disrupting Commercial Insurance

October 30, 2025

The world of commercial insurance is evolving rapidly. It’s no longer just about quoting policies and hoping for renewals. Today, producers have the opportunity to lead with value, bring strategy to the sales process, and create long-lasting client relationships that transcend policy pricing.

Marketing Intelligence for Insurance Agencies: Tracking, Attribution, and Data-Driven Growth

October 20, 2025

In the ever-evolving world of commercial insurance, marketing has become a critical lever for growth. Yet most agencies still struggle to understand what’s actually working. From websites that generate leads with no attribution to CRM systems that silo vital data, insurance agencies are often flying blind.

How Data-Driven Prospecting and CRM Tools Are Reshaping Middle Market Commercial Insurance Sales

October 20, 2025

If you’re a commercial insurance producer trying to grow in the middle market, you’re probably aware that the old-school prospecting methods—cold calling hundreds of businesses, dropping off trinkets, hoping someone is “coming up on renewal”—are no longer enough. In today’s competitive environment, success isn’t about how many people you reach. It’s about reaching the right people at the right time with the right message.

Turning Risk Into Opportunity: How Property Survivability Data is Transforming the Insurance Landscape – A Conversation with Valkyrie Holmes

October 14, 2025

Too many agents stop learning once they’ve earned their license. The bare minimum—meeting continuing education requirements—is not enough in today’s climate. Producers often resort to online forums, asking where they can complete CE hours “as quickly as possible.” This mindset directly impacts their ability to communicate complex subjects like reinsurance or risk modeling to clients in an understandable way. As a result, they struggle to retain accounts and close new business in an increasingly competitive market.

From Quote Chasers to Trusted Advisors: Closing Middle Market Insurance Accounts with Total Cost of Risk Strategy

October 13, 2025

The problem? Too many producers are pitching too soon, to the wrong people, with nothing more than a quote to offer. This article walks through how to close more business by positioning yourself as a trusted advisor, selling Total Cost of Risk (TCOR) outcomes, and using a structured approach to differentiate at every stage of the sales process.

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