Catastrophic storms, skyrocketing claim costs, and shrinking carrier reserves are driving insurance premiums through the roof. In this episode Kelly Webb—34-year industry veteran—breaks down the numbers behind today’s “rate crisis,” explains why New Mexico’s minimum limits (25/50/10) can leave families bankrupt after a single accident, and shares practical ways to save without sacrificing protection. Danny adds the perspective of a former “cheapest-coverage” shopper turned believer and retells the personal loss that fuels Kelly’s passion for life insurance. By the end you’ll know:

• How back-to-back disasters in other states still raise your bill

• Why higher deductibles and telematics programs can help offset hikes

• The single biggest mistake people make with life insurance—and how to fix it

*This video is for informational purposes only and is not intended to be financial advice. Consult a qualified financial advisor before making any investment decisions. Investing involves risk.*