Insurance Gone Wild
Insurance Gone Wild,” hosted by Dennis Settlemoir and Stephanie Lencioni, the discussion centers around the intricate and often frustrating world of insurance as it relates to YOU the consumer. Our Motto is ”We are consumers too! And those payments can SUCK!”
Episodes
After all these episodes talking about insurance, there’s really only one question left:
Have Dennis and Stephanie actually been listening to each other?
This week on Insurance Gone Wild, they're putting it to the test.
Stephanie quizzes Dennis on health insurance and employee benefits, while Dennis fires back with commercial insurance questions—and somehow this turns into one of the most educational episodes they've done.
...
Everyone keeps saying AI is coming for insurance agents…
But is it?
In this episode of Insurance Gone Wild, Dennis and Stephanie discuss where artificial intelligence is actually helping the insurance industry—and where it's creating even more frustration.
From endless chatbot loops and impossible customer service experiences to underwriting, healthcare approvals, and buying insurance online, they explain why insurance is...
You leave your job…
A COBRA packet shows up in the mail…
…and suddenly you're expected to make one of the biggest health insurance decisions of your life.
In this episode of Insurance Gone Wild, Dennis Meyer and Stephanie Lynch break down what COBRA insurance actually is, who qualifies for it, how long it lasts, and—most importantly—whether it's really your best option.
While COBRA can provide valuable ...
UnitedHealthcare just announced one of the biggest health insurance changes in years.
By the end of 2026, the company plans to eliminate prior authorization requirements for roughly 67% of pediatric services—meaning many families could see faster approvals for MRIs, specialist visits, routine surgeries, sleep studies, and more.
Sounds like a huge win...
But is it?
In this episode of Insurance Gone Wild, Dennis Settle Meyer and St...
Nobody likes talking about death.
But your family will have to.
In this deeply personal episode of Insurance Gone Wild, Dennis shares what he's experiencing firsthand while helping settle the affairs of an elderly couple—and why it's convinced him that life insurance is only one piece of the puzzle.
The conversation goes far beyond policies and premiums. Dennis and Stephanie discuss the emotional, financial, and logistical chaos...
Is life insurance a scam? Is investing your money instead a better idea? And do you really need it if you're young and healthy?
In this episode of Insurance Gone Wild, Dennis and Stephanie respond to real comments from listeners and tackle some of the biggest misconceptions surrounding life insurance.
The conversation gets passionate as they explain why term life insurance is often far more affordable than people think, why waiting c...
It started as a conversation about insurance...
And quickly turned into a therapy session for just about everyone living in 2026.
In this episode of Insurance Gone Wild, Dennis and Stephanie tackle the growing frustration many consumers are feeling as prices continue to rise, health insurance becomes increasingly difficult to navigate, and information overload leaves people feeling stuck.
From skyrocketing health insurance premiums an...
You set up the LLC.
You bought the rental property.
You got insurance.
So you’re protected… right?
Maybe not.
In this episode of Insurance Gone Wild, Dennis and Stephanie welcome investment property insurance specialist Todd Burnell to break down one of the biggest mistakes real estate investors make:
👉 Your insurance policy might not actually match your property ownership.
And if the deed, LLC, and policy aren&rsquo...
It’s time for the annual Airing of the Grievances… insurance edition.
In this episode of Insurance Gone Wild, Dennis and Stephanie vent about the thing everyone in insurance secretly complains about:
📞 endless hold times
🤖 automated systems that solve nothing
📧 underwriting departments that disappear for days
📂 claims adjusters who never call back
💸 rising premiums with shrinking coverage
From fighting ph...
Storm season is here—and if you think a little wind or hail means a brand-new roof, you might be in for a rude awakening.
In this episode of Insurance Gone Wild, Dennis and Stephanie break down what really happens when storms hit your home, your car, and your insurance policy. From wind vs. hail claims to the frustrating truth about partial roof replacements, they unpack the biggest misconceptions homeowners have during storm ...
Most business owners think they’re covered… until they’re not.
In this episode of Insurance Gone Wild, Dennis and Stephanie pull back the curtain on the wild world of commercial insurance—and yeah… it’s worse than you think.
We’re talking:
A jiu-jitsu gym classified as a building materials dealer (??)
A 24-hour restaurant with zero liquor liability
Claims that were approved… the...
What do a comedian, a fake deer accident, and a totaled car have in common?
Apparently… a masterclass in what not to do with your insurance claim.
In this episode of Insurance Gone Wild, Dennis and Stephanie break down a viral comedy bit that raises a very real question:
👉 Could you actually fool an insurance company with a “creative” claim?
From staged deer collisions (yes… involving venison 😳) to r...
Life insurance gets misunderstood… a LOT.
In this episode of Insurance Gone Wild, Dennis and Stephanie break down why life insurance isn’t about “getting rich when someone dies”… and why that mindset is completely missing the point.
From the classic “buy term and invest the rest” debate to the controversial topic of life insurance for kids, this episode tackles the real questions people a...
d most ridiculous) insurance claims during the holiday season.
Spoiler alert:
🎄 Your Christmas tree might be plotting against you
🕯️ Your candles are more dangerous than they smell
🚗 And your neighbors? Yeah… they might steal your Amazon packages
From house fires caused by cooking and decorations to burst pipes during cold snaps, and the shocking truth about holiday theft and accidents, this episode mixes humo...
You’re in a car accident.
It’s clearly not your fault.
The other driver has insurance.
So why is your insurance company getting involved?
In this episode of Insurance Gone Wild, Dennis and Stephanie break down a viral clip featuring a frustrated driver dealing with a “not at fault” accident — and the confusion that followed when the at-fault driver carried low state minimum limits.
video refere...
What does it actually take to insure an event as massive as the Super Bowl?
In this episode of Insurance Gone Wild, Dennis Settle Meyer and Stephanie Lynchoni pull back the curtain on the wild world of large-scale event insurance — using the Super Bowl as the ultimate case study.
Spoiler alert: it’s not just one policy.
From general liability and excess coverage to cyber liability, terrorism coverage, ass...
In this episode of Insurance Gone Wild, hosts Dennis and Stephanie break down some of the most misunderstood — and expensive — areas of health and dental insurance.
If you’ve ever been confused about HSA vs FSA rules, wondered why doctors push year-end spending, or been shocked by a dental insurance max benefit, this episode is for you.
Dennis and Stephanie explain:
Why FSAs are truly “use it or lose it&rdqu...
Insurance feels modern, complicated, and overpriced — but here’s the plot twist: it’s actually been around for thousands of years, and the core idea has never changed.
In this episode of Insurance Gone Wild, Dennis and Stephanie take a surprisingly entertaining trip through the history of insurance — from ancient merchants spreading risk across ships and camels, to London coffeehouses full of underwriters (y...
Should you read your insurance policy?
Dennis and Stephanie say no—and then spend the next 40+ minutes explaining exactly why.
In this episode of Insurance Gone Wild, the duo dives headfirst into the confusing, lawyer-written, comma-dependent world of insurance policies—where “herein” still exists, endorsements giveth and taketh away, and two adjusters can look at the same roof and see completely differe...
Buying a car should be exciting. Instead, it usually comes with paperwork, confusion, and that one terrifying question: “Wait… am I actually insured right now?”
In this episode of Insurance Gone Wild, Dennis and Stephanie take a very real (and very common) scenario — buying a car from a private seller when your agent is unavailable — and break down exactly what coverage you do (and do not) have when y...
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