Insurance & Protection Listen to Episodes

A real-life test drive of life insurance: Jerry compares real quotes from three different insurance carriers: Ethos, USAA, and Pacific Life, and explains why there is such disparity in the quotes. He dives into why term vs. whole policies have a hidden cost of insurance (COI) and what you should ask for when presented with illustrations from your agent and finally why those $9.99 ads don’t tell the whole story.

In this episode of Pink Money, Jerry Williams cuts through the noise of nonstop commercials about “dual eligible” Medicare plans and explains what’s really going on during open enrollment. He breaks down the difference between Medicare and Medicaid, what “dual eligible” actually means, and the key parts of Medicare—A, B, C, and D—so you can better understand your options.Jerry also explains the role of Medicare Supplement plans, how Advantage plans work, and why timing matters when it comes to signing up or switching coverage. With clear explanations of enrollment windows, penalties, and cost factors, this episode gives you the practical knowledge you need to make informed healthcare decisions for yourself—or to help someone you love.

In this episode of the Pink Money Podcast, Jerry sits down with Alex from Alexis Roofing to break down what homeowners really need to know about roofs, insurance claims, and protecting their biggest investment. From navigating tricky insurance denials to understanding the difference between replacement cost vs. actual cash value policies, Alex shares insider knowledge from decades of experience as both a roofer and adjuster. You’ll also learn how hail really impacts your shingles, why code upgrades matter, and the red flags to watch out for when hiring a contractor. Whether you’ve recently had storm damage or just want to be better prepared, this episode is packed with practical advice to save you money—and headaches.www.alexisroofing.com💬 Have a question or comment? Contact Jerry here

Sometimes the biggest financial risks aren’t the ones you see coming. In this episode of the Pink Money Podcast, Jerry breaks down why an umbrella policy can be a smart, affordable way to protect your assets beyond the limits of your homeowners or auto insurance.From dog bites at the neighborhood pool to trampolines, defamation claims, or even accidents that exhaust your standard liability limits, Jerry explains:When an umbrella policy kicks in — and why it matters if you have growing assetsHow much coverage typically costs (and why it’s cheaper than you think)Why insurers may require you to max out your auto/home limits firstReal-world stories of renters, valuables, and unexpected liability claims💡 Takeaway: If you have a lot to lose, you have a lot to protect. An umbrella policy may be one of the most overlooked but essential tools for safeguarding your financial future.

As parents age — or even in your own life — there comes a point when someone may need help managing financial or health decisions. That’s where a power of attorney (POA) becomes critical.In this episode of the Pink Money Podcast, Jerry explains:The different types of powers of attorney (general, durable, limited, healthcare, and springing).Why timing matters — and why waiting until a loved one is incapacitated is too late.Common pitfalls, like banks rejecting older POAs or requiring their own forms.The limits of a POA (valid only while someone is alive) and when executors take over.How to avoid headaches by reviewing and updating POAs regularly.Takeaway: A power of attorney is one of the simplest, most powerful estate planning tools — but only if you put it in place before it’s needed. Don’t wait until a crisis forces your hand.

In this episode of Pink Money Podcast, Jerry answers a listener’s question about how to remove a co-signer or joint owner from a car loan and title. He explains what banks look for before releasing the other party, including creditworthiness, payment history, and loan-to-value considerations. The discussion expands to practical steps like checking your credit reports, understanding credit utilization, and building a strong relationship with your bank. Jerry also highlights the importance of full coverage insurance, gap insurance, and knowing how deductibles impact your finances. Finally, he draws parallels between refinancing a car loan and refinancing a mortgage, especially in today’s high-interest-rate environment.This episode gives you a clear roadmap for taking ownership of your vehicle—or your home loan—on your own terms.

In this episode of the Pink Money Podcast, Jerry returns to the mic to break down recent bank failures and explain how FDIC insurance works. He shares lessons from past crises, what it means for everyday depositors, and practical steps to protect your money—like using payable-on-death accounts, trusts, and multiple banks. Whether you’ve got a few thousand or a few million, this episode gives you tools to understand risk and keep your deposits safe.

In this episode, Jerry breaks down the essentials of life insurance—why it matters, when to buy it, and how it fits into smart estate planning. From term vs. whole life policies to cash value, beneficiaries, and even business succession strategies, this conversation explains life insurance in plain language. Whether you’re planning for your family, protecting a business, or just trying to understand the basics, Jerry shares practical insights to help you make informed decisions.

Confused by Medicare? You’re not alone. In this crash course, Jerry explains Parts A–D, compares Medigap vs. Medicare Advantage, and shares practical tips on choosing coverage that fits your health, budget, and peace of mind—plus a reminder that long-term care is a different planning conversation.

Annuities sound mysterious—so let’s make them boring (in the best way). Jerry explains fixed, variable, and indexed annuities, what “annuitizing” actually means, how fees and surrender schedules work, and when an annuity can be a smart piece of your retirement plan. Plus: 1035 exchanges, teacher 403(b) quirks, and IRA alternatives.

Annuities sound mysterious—so we de-mystify them. Jerry and guest Dalton break down what annuities are, how they pay you, the differences between fixed/variable/indexed contracts, tax deferral, fees, surrender charges, and the “10% free” myth/limits. If you’ve ever wondered whether an annuity belongs in your plan—or how to avoid common mistakes—start here.