Why Your Insurance Is Probably Broken — And What Kim Ruiz King Wants You to Do About It

In this episode, Toye and Kim cover: the COVID pivot that launched a new career; how a CPA background gave her an edge in explaining complex insurance products; why people know they need life insurance but keep delaying it; the emotional reality of knowing a family needs coverage and watching them say no; the story of a pregnant woman's death and the family who lost everything without coverage; learning to release the clients you cannot help; the Chinese Bamboo Tree philosophy — watering consistently before visible growth appears; Fambuli Insurance Services' recent surge in inbound leads including clients who found them through AI; launching BNI chapters to build the Loudoun business community; and meeting her husband through the very first insurance company she joined.