Parker Hunsaker: Inside the 9/11 Insurance Payout: $4.5 Billion & a Billionaire’s Gamble | DSH #1685

Speaker 1 Were you ever aware of an insurance score? I actually didn't know that. Can you access that publicly?

Speaker 1 Kind of. There's ways you can, but essentially, your insurance score is comprised of your motor vehicle record, your claims history.

Speaker 1 They also take a look at the vehicles that you're driving, things of that nature,

Speaker 1 and then also how well you pay your bills. So your credit score does have a factor on it, but the lower your insurance score is, the lower your insurance premiums are.

Speaker 1 Okay, guys, Digital Social Hour. We are here in Salt Lake filming for the first time.
We got Parker Hunsaker here today, an insurance expert and analyst, someone I met a couple years ago.

Speaker 1 Thanks for coming on, man. Yeah, thanks for having me.
How's it been since we last met up? It's been good, man. Just taking things day by day.

Speaker 1 I mean, the insurance industry just gets crazier and crazier as time goes. And I know a lot of people's pockets are feeling it.
Yeah. Yeah.

Speaker 1 See a lot of negative headlines in the media about the insurance agency, but you're insurance industry, but you're dealing with it firsthand. So what do you see from inside? Well, yeah.

Speaker 1 So a couple of years ago, I actually made a transition from doing like more personalized insurance to more business commercial. There's a lot more money to be made in commercial,

Speaker 1 but there is a saying that goes around that stands true: more money, more problems.

Speaker 1 So, from a personal side, I mean, a lot of people have just been frustrated with the rates that they're experiencing year after year.

Speaker 1 And it's frustrating because a lot of their agents can't actually explain to them why rates are increasing and going up.

Speaker 1 So, there's a couple different factors and things that can actually have a cause and effect.

Speaker 1 A lot of people don't know that you actually have an insurance score, which is actually separate from your credit score.

Speaker 1 So, like, let me ask you, Sean, have you, were you ever aware of an insurance score? I actually didn't know that. Can you access that publicly?

Speaker 1 Kind of. There's ways you can, but essentially, your insurance score is comprised of your motor vehicle record, your claims history.

Speaker 1 They also take a look at the vehicles that you're driving, things of that nature,

Speaker 1 and then also how well you pay your bills. So, your credit score does have a factor on it, but the lower your insurance score is,

Speaker 1 the lower your insurance premiums are. Interesting.
But a lot of people don't even have that. Yeah, I didn't know that.

Speaker 1 So if two people apply for the same insurance policy, but one guy's insurance score is way lower, would that mean it's more expensive? Well, if it's lower, that means it's less premium.

Speaker 1 So if it's a, or excuse me, excuse me, you're correct.

Speaker 1 A higher score would entail that your premiums are lower. Okay.

Speaker 1 Wow. I did not know that.
I thought everyone paid the same insurance rates. No.
A lot of it's based on zip code too.

Speaker 1 So for example, Vegas, a really hard place to get insurance because there's a lot more break-ins, a lot more theft, those types of things. And so your zip code does play a factor.

Speaker 1 The other things that play a factor is insurance is one of the only industries where you can still discriminate based on race. So, ethnicity, zip codes, male or female, right?

Speaker 1 Most other industries, they're like, oh, you know, everyone gets the same treatment regardless, but those factors all come into play. Wow.

Speaker 1 So, you could still discriminate by race in the insurance industry. Essentially, how does that work? So, it's crazy to think about, but and you know, statistically speaking,

Speaker 1 you know, again, statistically speaking, African-American males will

Speaker 1 typically be in those zip codes that are a little bit more,

Speaker 1 a little bit more, I guess, dangerous.

Speaker 1 So if I'm writing an insurance policy from an insurance perspective, I'm putting a financial risk out there. If I'm taking a look at writing a policy in New Orleans, right?

Speaker 1 Lots of gangbanging, lots of stuff going on down there. I'm probably not going to be as inclined to put my money in New Orleans versus somewhere like Provo, Utah.
Right. Got it.

Speaker 1 That makes sense. Yeah.
Certain states are more strict. I know Cali is really tough to get.
I think car insurance and fire insurance right now. Yep.
100%. On your house.
Yeah.

Speaker 1 Well, wildfire insurance is one of those big things. And a lot of times what people don't realize is a lot of people are getting declination letters, especially in California.

Speaker 1 Oh, we're actually going to no longer write your home insurance because you've got,

Speaker 1 you know, a fire score. And people are like, okay, well, what the hell is a fire score? A fire score is essentially what they'll do is they'll take a certain geographical area.

Speaker 1 They'll make a giant circle from a, you know, a financial expert will come in. They'll take a look at it.
And they'll say, okay, based on this zip code, it's a high-fire risk area.

Speaker 1 So for example, like Malibu, right? Big financial,

Speaker 1 kind of like a risky spot for insurance experts to come in and want to put money in Malibu because there's a lot of brush, right? A lot of wildfire areas.

Speaker 1 So what they'll do is they'll take that and they'll say, okay, this is a wildfire zone. They'll target it that way.
And now they will decline pretty much anything within that zip code.

Speaker 1 And so it makes it very difficult if you live in a certain spot geographically to get insurance. Wow.
Plus, on top of that, you got a lot of people committing insurance fraud. 100%.

Speaker 1 So that's raising the rates for everyone. Yeah.
I mean, so from an insurance fraud perspective, I've seen it happen more on the auto side per se.

Speaker 1 But for example, like I have a close family friend of mine who actually was in a parking lot, right? She hits this old lady, or so, so the claim goes, right?

Speaker 1 Claims that the old lady was hit. They get out of the vehicle, assess the situation.
Turns out the lady had actually just hit her side beer mirror. and wasn't actually hit.

Speaker 1 So no physical damage had actually ensued, but the lady had claimed that she had been hit. So what ended up happening was the insurance company is like, okay, well, what's going on with the situation?

Speaker 1 The lady just wanted an insurance payout. So she was never hit.
All she did was hit the mirror, fall over, give her an Oscar.

Speaker 1 You know, she acted like she had broken her leg, the worst had happened, right?

Speaker 1 And so after the insurance company did all the analysis, what they ended up doing is they actually ended up just paying out the 100,000 because they were just like, I don't want to deal with her anymore.

Speaker 1 Wow. So they said,

Speaker 1 because I don't want to deal with her. and like take this end up any further, we'll just pay her off.

Speaker 1 So a lot of insurance companies are just paying people off basically just to be like done with them. Wow, just because you said you got hurt.
Right.

Speaker 1 But what does that mean for guys like you and me who are actually following the rules of insurance? Well, that means we're paying for all the insurance fraud. That is nuts.

Speaker 1 I mean, I know there's a lot of money in it because in Vegas, I see injury billboards everywhere I go. Yeah.
Well, and that's how those guys make their money.

Speaker 1 Yeah, they get like 30% of the payout, right? I don't know the exact percentage of

Speaker 1 the lawyer, but right. But I mean, some of them can be greedy, right? So, but yeah, that's exactly right.
Holy crap. Yeah, I'm sure people have tried elaborate insurance fraud schemes in the past.

Speaker 1 I mean, when there's millions of dollars to be made and very few face severe penalties, I could see from their point of view, you know.

Speaker 1 Yeah, well, I mean, there's insurance fraud and scandals that happen all around you, and you never know. Yeah, but uh, crazy things that have been insured.

Speaker 1 I know, uh, I think was it Floyd or Manny Pacquiao that insured their hands? Yeah, some a lot of boxers will do that, right?

Speaker 1 So, you've got celebrities and athletes that will actually, or like musicians, a lot of times, right? If you got a professional piano player, they'll actually insure their fingers. Wow.

Speaker 1 Um, something happens to it. I mean, that's their livelihood.
So, um, in insurance, we've got this thing called called business expense or business interruption insurance.

Speaker 1 Anything that essentially could cause a loss to your line of work is something that could actually be covered. So let's say, Sean, you're a piano player, you're a musician.

Speaker 1 Something happens to your fingers, they get smashed in a door, and now you can't perform your line of work, or even a surgeon or a doctor, right?

Speaker 1 Those types of things are things you can insure against to make sure that you're getting paid, even though, because you can't do your line of work without your hands, right?

Speaker 1 So I wonder for me, can you insure your voice? Yeah, 100%. Absolutely.
Oh, yeah. If I lost my voice, I couldn't podcast.
Yeah, you could, you can insure against that.

Speaker 1 And there's policies I could even help set up for you to where we could do that. That's nuts.

Speaker 1 So if you were on the road and you couldn't podcast for a while because your voice was bad, but you, you know, that's a that's a source of income. Yeah, we could actually insure it for those amounts.

Speaker 1 Yeah, because my buddy has uh, shout out to Tiffany. She has like this throat cancer and she's a content creator.
Yeah.

Speaker 1 So if she had insurance beforehand, it might have helped a lot because she could barely talk right now. 100%.
I mean, you've got people like,

Speaker 1 I'm just assuming, right? People like Adele or, you know, people that, you know, make livings off their voices.

Speaker 1 If something were to happen to their voice and let's say they can't go on tour or concert, they still got to get paid because they've invested all this time and money into putting on an event or venue, right?

Speaker 1 They got to pay for all that. Yeah.
So that's essentially something that I would kick in for. Do you ever do any of the wild insurance policies like alien abduction insurance or stuff like that?

Speaker 1 You know, I haven't run into that just yet, but it is a thing. I mean, and this is just totally from my perspective, right? You can get insurance on just about anything, right?

Speaker 1 If you can dream it up, I I guarantee you there's probably an insurance policy out there because we're worst case scenario guys. So, and insurance companies are never going to say no to free money.

Speaker 1 So alien abduction, obviously, you're going to have the guys that are the Bigfoot fanatics or the people that have all these crazy conspiracies.

Speaker 1 I mean, you could probably get insurance on Bigfoot too. Who knows?

Speaker 1 But, um, but yeah, I mean, you could essentially just write that up for, hey, if I ever get abducted, right, by aliens, I want an insurance payout. Yeah.
So there are things like that that do exist.

Speaker 1 That's wild.

Speaker 1 I mean, kidnapping insurance, that makes sense to me if you're a high-profile figure yeah or if you have a lot of government seekers or something yeah i mean it happens right like i i can't think of a specific scenario where it where it's been enforced but essentially if you're a high-ranking ceo and let's say you do get kidnapped and you're on sabbatical you know against your will yeah for a company but now your company can't function right i mean that there's there is a ransom insurance that will pay out so basically you have the feds or whoever come in and say okay you know here's the insurance money that we're dealing with he is covered for kidnapping ransom how much do we need to get get uh give his captors per se to get him out interest get him released i think anyone big in crypto should get that one being in crypto because a lot of crypto guys are targets for kidnapping i don't know if you knew that or not i didn't actually give an example so because they have a lot of crypto the government's kind of i mean

Speaker 1 depends on how they store it i guess but a lot of the big guys in crypto store it on like these hard wallets yeah like in a safe or something and they're not like the strongest people they're like crypto nerds so like they're easy targets for these kidnappings and robberies yeah i mean stuff like that i mean and you could probably even take it to the extent of, you know, what happens to that hard drive, right?

Speaker 1 You could probably insure that hard drive for a cross amount of money. That's, that's personal property, right? So, like I said, you can get insurance on anything, like literally anything.

Speaker 1 How have your insurance claims went in the past? Like, have you ever filed one yourself? I mean, I've helped clients file a few.

Speaker 1 There have been a few cases where, you know, a lot of times what I run into are clients coming to me basically saying, hey, I had a bad experience with my previous broker agent.

Speaker 1 I thought this and this was covered. It turns out it wasn't.
So one thing that I do a little little bit differently is I offer businesses, especially.

Speaker 1 I do like a deep dive analysis.

Speaker 1 So I've got access to AI systems and data software that essentially lets me take a look at any specific business and say, okay, based on the analytics and the proprietary data that we're seeing, this is how, let's just say an HVAC company, for example, this is how an HVAC company would compare against all the other HVAC companies.

Speaker 1 you know, in the United States.

Speaker 1 And so what we do is we say, okay, based on how an HVAC company should be rated, this is the amount of premium you should be paying.

Speaker 1 So, what it does is it allows us to not only fight against insurance companies with, you know, hey, this, based on our data, this is how much they should be paying, but it also lets us stay competitive in terms of like safety programs or other things so that we can actually mitigate or avoid claims.

Speaker 1 I feel these days I get the best insurance no matter what I'm doing. Yeah.
Just I want to be able to sleep at night. So I have the best business insurance.
I have even media insurance. There you go.

Speaker 1 In case a guest says something on my show and I get sued, I have the best home insurance, the best car insurance. But when I was younger, I didn't have any or I had the cheapest policy.

Speaker 1 Yeah, and that's probably common with people. Very common.
I think the first auto policy that I got was $415 a month and it was for state minimum liability. Yes.

Speaker 1 Back then, I had no idea what wasn't included on that, what it didn't covered. But to your point, man, like I just, you know, not even from a bias standpoint.

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Speaker 1 If you've got, if you're a high-profile person, if you've got a high-profile business, you need to look at all your basises because something could happen.

Speaker 1 And again, I'm a worst case scenario guy, but something could happen that you're not prepared for. And all of a sudden, it's, I mean, it's game over.

Speaker 1 I've seen one lawsuit wipe out a lot of businesses. Yeah.
You know, people can't afford six, seven figures and legal fees, and then they're screwed. Yeah.
100%.

Speaker 1 And that's the biggest thing that you're covering against, right? I mean, you have an allegation that comes out, right? I don't know if you saw the astronomer CEO, right?

Speaker 1 Oh, yeah, he's suing them now, right? Exactly, right? Stuff like that. Like, people don't think about that stuff, right? If you get exposed for cheating on your wife, per se,

Speaker 1 who would have thought that'd be the end of a career? Yeah. but I mean, you can get insurance on stuff like that.

Speaker 1 So there's a, yeah, there's a chance that he probably has something that, you know, or may, you know, Cold Play hopefully has something in place that's like, okay, we should be able to insure again.

Speaker 1 I'd imagine they have the best insurance, right? Yeah.

Speaker 1 When you're doing big live events, that's a lot of elite liability. Yeah.

Speaker 1 But again, though, to his point, I mean, it's also negligence on the fact of the CEO's point because, I mean, he got caught cheating.

Speaker 1 So it's like they're going to take that to court and they're going to be like wearing the options and being like, all right, who's really at fault here? Yeah. You know, he was caught cheating.

Speaker 1 Wasn't necessarily the most ethical thing not necessarily but did it hurt his business i think he stepped down i can't remember yeah he did or he got fired or something yeah that's interesting i wonder with marriage if you'd be caught cheating if there's insurance or something for that you know i don't know it wouldn't surprise me if it's out there at athletic cheating insurance cheating yeah cheaters insurance so i know with certain prenups if you cheat you're uh you still got to pay out yeah well i mean you take that to a court and courts are going to analyze all those all those uh documents right they're going to look at it line by line make sure that everything's you know yeah

Speaker 1 yeah yeah what happened in Bezos' situation? He had a prenup, but he cheated. So the I don't know her name, but she got the money.
So, yeah, she's like the fourth richest person in the world now.

Speaker 1 Man, must be nice.

Speaker 1 There's also taste bud insurance. So, how does that work? Is that for people that make a living off eating food? Well, you've had some chefs on your show before.

Speaker 1 Yeah, I mean, so think about it: it's food critics, chefs, you're gonna want to have your taste buds insured. I mean, that's again, your livelihood and your job.

Speaker 1 A lot of these things are gonna be for the ability to do your job at the fullest potential.

Speaker 1 And so, if if you burn your taste buds or if you essentially have something that happens to your tongue, I mean, that's stuff that you can get insurance on.

Speaker 1 I had the lawyer on, his name's Tom Bosworth. He represented a client that burned her mouth off hot coffee.

Speaker 1 I think it was, I don't want to get her on, but it was one of the fast food chains. Yeah.
Huge payout. Yeah.
for coffee. It may have been McDonald's.
I know McDonald's. It might have been McDonald's.

Speaker 1 It might have been that because I did, or maybe it wasn't McDonald's because they did have somebody like actually spill hot coffee and third-degree burns.

Speaker 1 But regardless, like franchises like that, like let's say you've got a Starbucks that absolutely burns the shit out of someone's mouth. Right.
And let's say they're a high-profile individual, right?

Speaker 1 Or burns the back of their vocal cords. Right.
So now you've got these franchises who are getting sued for something like that.

Speaker 1 Not only do they got to pay out all of their, you know, vocal losses, but all of the damage that was causing them too. Damn, that's nuts, all from coffee, $5 cup of coffee.
Never would have guessed.

Speaker 1 Yeah, that's crazy.

Speaker 1 Let's get into this 9-11 conspiracy because I know you got wrote down some numbers and stuff for this, but what exactly happened in your opinion for 9-11 and the insurance companies?

Speaker 1 Yeah, well, so 9-11 is one of those things, but if you take a look at it, I mean, I'll just come out publicly and say, I think it was an inside job, you know, if, and if I, if I die, just know that I would never, I would never kill myself, just know that.

Speaker 1 So, um, but essentially, if you look at the story, Larry Silverstein, um, he's a billionaire that essentially an investor, right? Um, he purchased the World Trade Center six weeks before

Speaker 1 anything had happened, you know, before 9-11. So, six weeks before 9-11, you have a gentleman named Larry Silverstein coming in and purchasing it.

Speaker 1 Now, at that point in time, the building was required by the city to go under major renovation for asbestos.

Speaker 1 So, they wouldn't essentially allow any more people inside working until the asbestos had been fully removed, which meant that it was very undesirable to investors because they had to undergo a renovation project that could cost quite a bit of money.

Speaker 1 So, he comes in and buys it. He says, I'll take on the asbestos liability.
I'll take care of the renovation

Speaker 1 six weeks before 9-11. When he did that, make sure I get my numbers right.
He took out a $3.5 billion

Speaker 1 policy that covered against the buildings, right? So if something happened, that coverage was there. Here's the thing.
Most of the time, terrorism is excluded on policies.

Speaker 1 That's just a standard in the insurance industry because the chances of that happening is very slim. Now, when you're dealing with business owners and high execs, oftentimes they ask to have that on.

Speaker 1 In this case, he specifically came out and said, I would like this to have terrorism coverage.

Speaker 1 So think about that for for a second. You've got this billionaire coming in, buying it for renovation.

Speaker 1 And now he says, okay, I want to have specifically terrorism coverage included on my policy, which again isn't a very common,

Speaker 1 common endorsement that we would see on a policy. So he comes in, all of that happens.

Speaker 1 The policy hadn't been finalized by the time 9-11 hit, which meant usually in insurance contracts, there's a little bit of a waiting period until things are finalized, especially when you're dealing with big, big CEOs and companies like that.

Speaker 1 So essentially what will happen is they'll bind coverage for a lot higher amount, but it doesn't kick in until a certain time after.

Speaker 1 In this case, it hadn't quite been finalized, but they're still on the hook for that big amount, regardless of what happens until the finalization date.

Speaker 1 So because 9-11, 11 happened, they're still on the hook for that big amount. So 9-11 happens.

Speaker 1 And then what Silverstein tried to do is he tried to take it a step further. He tried to say, well, there was two towers.

Speaker 1 So they should have been two separate attacks, which means I'm entitled to $7 billion. Whoa.
And so now you've got the insurance company being like, dude, you're crazy.

Speaker 1 Like this is something that would never, you know, we're never going to be paying out $7 billion for.

Speaker 1 And luckily, they had policy language inside of the policy that protected him saying it's against one specific attack.

Speaker 1 So because it was overarching one single attack, it was actually covered that way.

Speaker 1 And so I think the court settled for, if I get my numbers correct, they settled for $4.5 billion. So still a billion dollars over what he had actually gotten insured against.
Wow.

Speaker 1 So when you take all that into consideration, I mean, again,

Speaker 1 I'm a skeptic, but I believe there's an inside job 100%. There's no way you can have a guy come in and all these facts just line up.
Yeah, you know, he actually made money

Speaker 1 off the collapse of the towers. 100%.

Speaker 1 And I can't remember exactly what he had spent, you know, to purchase the building, but because the asbestos renovation was going on, the value of it had been much lowered. Right.
Holy crap.

Speaker 1 And then they ended up rebuilding them. Was he part of that rebuild? He was part of the rebuild.
He used that money to essentially rebuild, you know, a new building.

Speaker 1 Yeah, I was just filming there last week. It was beautiful.

Speaker 1 i was i saw the memorial i was like holy crap i can't believe that yeah that fell well it makes you kind of wonder a little bit like how you know how how what are the extent that the government would go to you know to essentially make a buck i mean look at what stemmed from 9-11 all the wars that happened all the changes that were made to multiple industries yeah like tsa still up our ass 25 years later can't bring this water bottle or i get yelled at yeah 100 i mean and the security you know goes into that i mean there's i could get into 9-11 if you wanted me to there's so many there's so many other things things that happened there that

Speaker 1 I think are just beyond me.

Speaker 1 You think they'll release the 9-11 files ever? I hope so. I mean, when you look at it from a military perspective, the one question I've got is why did we have

Speaker 1 flight training going on on the West Coast?

Speaker 1 Why was our entire military moved west the day of 9-11? I've never heard that angle. That's interesting.
Yeah.

Speaker 1 I mean, if you go back and look at it, there were two fighter jets that were essentially left to protect Washington, D.C. Wow, that's it.
And that was it.

Speaker 1 On the morning of 9-11, that was all that had happened. Now I feel like there's way more, right, on the East Coast? There's so much that you can uncover.
Yeah, but exactly.

Speaker 1 I mean, and let me ask you, if you were the president of the United States, what's the one area that you want to cover? New York City, I'd imagine, is up and DC. New York City and D.C.

Speaker 1 And please tell me why the morning of 9-11, we only had two fighter jets ready to go. That is weird.
And with our like intelligence agencies, to not see that attack coming at all also blows my mind.

Speaker 1 Well, here's the crazy thing about the

Speaker 1 intelligence agency side.

Speaker 1 Every single one of the ranking officers, I don't know if you're familiar with the military, but you've actually got to go through a chain of command in order to get anything to happen, essentially.

Speaker 1 All those

Speaker 1 intelligence agency officers had been absent in the morning of 9-11. They were either on vacation or they were somewhere else, you know, totally just unaware to the government.
So they tell us.

Speaker 1 Holy crap. So the chain of many coincidences.
Yeah, too many coincidences. So the chain of command had been completely interrupted.
God is nuts. I didn't know that either.

Speaker 1 And Bush was nowhere to be found.

Speaker 1 I can't remember where Bush was in the morning of, but I just remember that he came out with a press conference interview afterwards. And, you know, that was about it.

Speaker 1 What other conspiracies do you feel really strongly about?

Speaker 1 I mean, there's a couple. I know you got Brandon coming on later today.
Skinwalker Ranch. Skinwalker Ranch.
I think that

Speaker 1 the phenomena that's going on, right? I mean, there's things that we can't explain.

Speaker 1 So from a conspiracy standpoint, I'm really fascinated in space, really fascinated with astronomy.

Speaker 1 I think there's a lot of extraterrestrial life that's out there that is yet to be discovered. So who knows? I might be making more money on alien abduction insurance here soon.
I don't know.

Speaker 1 I mean, if aliens make their presence, I'm sure that insurance will be pretty popular. Yeah.

Speaker 1 Call my line if that ever happens. So

Speaker 1 what about the flat earth one?

Speaker 1 I don't know. I feel like with AI nowadays, anything's possible.
Yeah. So that's one where it's like, okay, you know, we've all seen AI videos of flat earth, right?

Speaker 1 As far as from an insurance perspective, I don't know if you can really insure against that. That might be something that's like, I don't know.
Yeah, I don't know about that one.

Speaker 1 I've had a lot of flat earthers on the show. Have you? I'm trying to think which one I'm like most convinced about.
I mean, the Epstein stuff is pretty nuts. Yeah.

Speaker 1 You had to draw an agent or something, right? An agent? Yeah. Meaning what? Like a foreign agent.

Speaker 1 Like there's no way he had all that power and access, not working with some sort of government, I'd imagine.

Speaker 1 I mean, it's possible because when you look at his upbringing, I mean, it's like he had a very non non-standard way of rising to power. He was super tapped in with Harvard.

Speaker 1 He had his own building there. Yeah.
Like, I think a lot of his money just came from his network and who he knew. Yeah.
Right. Yeah.

Speaker 1 We'll see. I don't know if we'll ever know what happened with that, to be honest.
I mean, Trump said he's going to release files. I'm yet to believe it.
And don't get me wrong, like I voted for Trump.

Speaker 1 Yeah.

Speaker 1 But I think he is losing a lot of voters for sure.

Speaker 1 You know,

Speaker 1 he still has my vote. He still has my full support, but I really wish that he would have released some more things to the public as he promised.
Did he win Utah? Is he popular out here?

Speaker 1 He's pretty popular. I would say probably 80 to 90% of the people you're in at too out of here are going to be.
Mormons love Trump. They love Trump, man.
They absolutely, their team Trump.

Speaker 1 I mean, we're seeing a little bit more of a diversity pool now that we've got california being so expensive as it is we're seeing a lot of influx of californians coming into utah vegas is getting that too yeah so i mean we're seeing we're seeing the downside of that i mean i could go on a whole nother tangent about california but uh the biggest thing here is our real estate prices are just through the roof i mean people are starting to we're turning into california yeah people are going to get priced out it's going to be no longer locals that live here yeah it's going to be all like people that come in from cali and other states yeah a lot of foreigners damn so you think you'll stay here i think i'll be here i mean i've lived here pretty much my whole life um it's a great atmosphere as long as you can get along with the mormons you know there's there's nothing really i mean postbone's out here you know he's still out here he's still out here mormon

Speaker 1 i don't know i doubt it but uh you know he's built a house up in cottwood heights um last i heard he actually had a raising canes that you know was in murray like off fort union nice canes is blowing up yeah Shout out to Todd.

Speaker 1 He's coming on the show. But Kanes is, I think, the fastest growing fast food in the world right now.
Yeah. It's a, I mean, it's a good spot, man.
So go get your chicken. Yeah, go get it, man.

Speaker 1 You still play that hook game? You're a beast at that one. The hook game? Yeah.
I try to be. No, actually, honestly, that was the first time we ever played.
No, like, dead serious.

Speaker 1 I did this every time. I was just like, oh, this is fun.
So you're just an athlete, I guess. People see you on the basketball court tonight.
Yeah, dude, we'll do it.

Speaker 1 Well, dude, anything, where can people work with you to get insurance from you or ask you questions and all that? Yeah. I mean, they can send me a DM on Instagram.

Speaker 1 Parker underscore Hunts Acres, my tag there.

Speaker 1 Just for a little bit about the company that I'm with, I'm with USI Insurance Services. We're the second largest privately held brokerage in the entire country.
We do about $2.5 billion in revenue

Speaker 1 every single year.

Speaker 1 So we insure a lot of big companies, a lot of big corporations. That's kind of what our market is, kind of who we're after.

Speaker 1 But we do have some small personal touches with

Speaker 1 certain smaller businesses. So that's where people can find me.
I'm sure you can probably just leave. Yeah, we'll link it in the video.
And then we'll link your Instagram. Thanks for coming on, man.

Speaker 1 Appreciate it. Thanks for your time, Shane.
Takamai. See you next time.
Peace.

Speaker 2 I hope you guys are enjoying the show. Please don't forget to like and subscribe, it helps the show a lot with the algorithm.
Thank you.