Insurance Gone Wild

Welcome back to Insurance Gone Wild—the show where we won’t fix the insurance industry, but we will absolutely roast it while helping you avoid accidentally bankrupting yourself. This week we tackle the Great Company Vehicle Mirage (“We’ll give you a $500 allowance—just use your car 🙂”), why that “sweet deal” can implode if you don’t ask your carrier the right questions, and how Non-Owned Auto Co...

Tis the season for… open enrollment! Dennis and Stephanie dive into the thrilling, gut-wrenching world of health insurance like it’s the season finale of a reality show you didn’t know you were starring in. From why every employer seems to pick the most random renewal dates, to why your “perfect plan” doesn’t exist (sorry), they break down the madness with humor, sarcasm, and a sprinkle of “I told...

Dennis and Stephanie take the show live—and it gets delightfully weird, wonderfully useful, and wildly honest. From “can you insure a dominatrix?” (spoiler: yes) to small-biz health plans that actually make sense, they bust clickbait myths, decode the 60–65 pre-Medicare maze, and share real ways to cut premiums without upping your risk. Expect shrinkflation in policies, deductible-reimbursement ha...

Dennis brings the pop quiz, Stephanie brings the receipts, and together they turn “wait, is this even insurance?” into your new favorite game show. They spar over health sharing vs. traditional plans, why “contribution” isn’t just a bougie word for premium, how faith-based commitments actually work, and when pre-existing conditions really are… pre-existing. Stephanie even vows to ditch her employe...

Dennis and Stephanie stumble out of an HR presentation and straight into the wonderfully litigious world of Employment Practices Liability Insurance (EPLI). Between Dennis’ Ozarks charm and Stephanie’s “that really chaps my ass” energy, they skewer the myth that “we’ll just hire a lawyer” is cheaper than having coverage. From wrongful termination to TikTok-inspired “pranks,” vendor side-eye, retal...

Dennis and Stephanie play Approved or Denied? with the weirdest claims on earth: a cow swan-dives onto a sedan, toilets go boom, a burglar sues after face-planting through a skylight, and a very good boy eats a very expensive diamond. Along the way you’ll learn why comprehensive isn’t just for deer season, when liability saves your bacon (and your neighbor’s fence), and how one stray golf ball can...

Medical bills that still bankrupt people who have insurance. Life insurance everyone swears is “too expensive” (until they actually check). Auto claims that hit faster than a Dallas hailstorm. In this spicy, stats-soaked episode of Insurance Gone Wild, Dennis and Stephanie drag the numbers into daylight and make them behave. You’ll hear why “I’ve got coverage” can still end in a five-figure out-of...

Broadcasting from the fiesta-friendly confines of Dos Amores in Hurst, Texas, Dennis and Stephanie take insurance out of the cubicle and into the cantina. With restaurant manager Jesús popping in between karaoke nights and Tejano Saturdays, this live episode leans into real questions from real people—why your premium jumped when you did nothing, whether bundling is a BOGO or a bozo move, and how a...

Confused about Medicare, Medicaid, and all the alphabet soup in between? You’re not alone—and that’s exactly why Dennis Settlemoir and Stephanie Lencioni are here to break it all down. In this episode of Insurance Gone Wild, Dennis and Stephanie cut through the jargon and dive into what really separates Medicare from Medicaid. With their signature humor and honest takes, they’ll help you understan...

What happens when Congress names a law the One Big Beautiful Act? Spoiler: it turns into one big beautiful mess for health insurance. In this episode, Dennis (yes, the man with the hats) and Stephanie (the one who actually keeps things sensible) dive headfirst into the new legislation shaking up healthcare.gov, subsidies, and the future of insurance in America. From subsidies vanishing faster than...

When it comes to protecting your business, is “cheaper” really better? In this lively episode, Dennis and Stephanie pull back the curtain on commercial insurance, breaking down the real risks of cutting corners and the hidden gold inside endorsements and classifications that too many business owners overlook. They mix insider expertise with humor, real-life scenarios, and a little tough love, leav...

Think your homeowners insurance is just about the house? Think again. In this episode of Insurance Gone Wild, Dennis Settlemoir and Stephanie Lencioni blow the dust off liability coverage and show you why it’s the unsung hero of your policy. From backyard fireworks disasters to trespassers who somehow end up suing you, Dennis and Stephanie unpack real-life “you-can’t-make-this-up” scenarios that p...

This week, Dennis and Stephanie pull back the curtain on what your homeowner’s insurance really covers—and more importantly, what it doesn’t. 🏠💥 From misleading premiums to missing ordinance and water backup coverage, they break down real-life examples of claims gone wrong. If you’ve never looked at “Page Two” of your policy, this episode might just save your financial future. Whether it's hail,...

🎧 If You Fail to Plan… You Might Just Flood the Living Room | Insurance Gone Wild What happens when disaster strikes and you realize your “emergency plan” is just yelling “Grab the dog!” and running for the door? In this episode of Insurance Gone Wild, co-hosts Dennis and Stephanie  dig deep into the uncomfortable (and critical) truth: you probably aren’t as prepared as you think. From flash floo...

🎧 Insurance Gone Wild | Health Sharing Programs: Too Good to Be True? Hosts: Dennis Settlemoir  & Stephanie Lencioni 🎙️ Episode Title: “Health Insurance Alternatives That’ll Make You Rethink Everything” 📍Contact: 817-753-0093 | ✉️ contact@igwpodcast.com What if we told you there’s a way to ditch your high premiums and still get covered without jumping through hoops of a traditional insurance...

🎙️ Think your insurance policy has you covered? Think again. In this episode of Insurance Gone Wild, co-hosts Dennis Settlemoir and Stephanie Lencioni pull back the curtain on the surprising (and often hilarious) ways insurance can go sideways — especially when you don’t read the fine print. From jewelry riders that vanish faster than a diamond in a drain to health insurance options you didn’t kno...

Is Your Contractor Insurance Actually Covering You… or Just Paperwork Pretending to Help? 🧐 In this wild ride of an episode, Insurance Gone Wild hosts Dennis Settlemoir and Stephanie Lencioni break down the often-confusing jungle that is contractors' insurance. Whether you’re swinging a hammer, managing a crew, or just trying to keep your business from burning down financially — this one's for yo...

When Life Throws a Curveball: Are You Actually Prepared? 🧾💼⚡️ Dennis and Stephanie are pulling back the curtain on the “oh no” moments life loves to throw our way — from surprise ER visits to the “where’s the life insurance policy?!” panic. In this episode, they break down the must-know moves to keep your family prepared, not panicked. They’ll tackle everything from: Making sense of life insura...

Join hosts Dennis and Stephanie as they explore insurance challenges for when you go on vacation, covering how auto and health insurance work during travel across states and with rental cars. They delve into essential coverage types, including liability and walk-away insurance, plus the nuances of PPO and HMO health plans. Discover insights on Medicare and international health coverage, ensuring y...

Who Gets Paid in a Claim? When disaster strikes and you file an insurance claim, who actually gets the check? In this episode, we unpack the often misunderstood process of claim payouts. From homeowners and auto policies, we explain who the money goes to.  We cover key concepts like lien-holders, service providers, and repair shops, and dive into how insurance companies decide who gets paid and in...

Dennis Settlemoir and Stephanie Lencioni delve into the current tumultuous state of the Texas insurance market in this episode of Insurance Gone Wild. They discuss premium spikes, particularly for homeowners, and the intricacies behind varying auto insurance rates. The duo also covers the challenge of navigating policy changes like scheduled roof coverage and the importance of understanding differ...

In this episode, we tackle a common but often overlooked question—how much insurance is too much? From health and life to home, auto insurance, we break down the different types of coverage and explore where peace of mind crosses into over-insuring. We discuss how to assess your actual risk, evaluate your lifestyle and financial goals, and make sure you’re not paying for policies you don’t need. W...

🎧 Welcome back to Insurance Gone Wild – the only podcast where decoding insurance lingo is actually fun In this episode, hosts Dennis and Stephanie roll up their sleeves and dive headfirst into the wild world of insurance terminology — breaking down everything from "exclusions" and "deductibles" to the tongue-twisting "material misrepresentation" and the courtroom-favorite "estoppel." 💡 Whether...

In this  episode of Insurance Gone Wild, your favorite duo Dennis and Stephanie take you deep into the mysterious—and surprisingly strategic—world of captive insurance programs. Forget what you thought you knew about insurance. We're talking **DIY insurance companies**—yes, businesses forming their own insurance entities to cover specific risks, protect assets, and (drumroll, please)... **legally...

In this dynamic episode of "Insurance Gone Wild," hosts Stephanie and Dennis unravel the complexities of commercial insurance, highlighting its stark differences from personal lines like home and auto coverage. They delve into the critical role of liability class codes—numeric identifiers that categorize businesses based on risk exposure—and emphasize why understanding these codes is paramount for...