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Insurance After Dark artwork

Make your agency AI Safe

Insurance After Dark · 2026-05-29 · 39 min

0:00--:--

Key moments - from our scoring

Substance score

25 / 100

Five dimensions, 20 points each

Insight Density6 / 20
Originality7 / 20
Guest Caliber4 / 20
Specificity & Evidence3 / 20
Conversational Craft5 / 20

This episode challenges the conventional wisdom about AI adoption in insurance agencies. Rather than pushing agencies to rapidly implement AI tools, Olivier Glée advocates for a fundamentally different approach: first making your business "AI safe" by recentering it around human values, personal relationships, and genuine client service. The core argument is that fear-driven adoption of AI - motivated by FOMO (fear of missing out) and competitive pressure - leads agencies to use AI as a replacement tool rather than an enhancement tool, ultimately harming the human relationships that define the insurance business. Olivier distinguishes between two unhelpful extremes: agencies jumping "all in" on AI out of fear of being left behind, and those rejecting it entirely out of overwhelm. Instead, he proposes that agencies ask fundamental questions first: Why does our agency exist? What is our real value beyond selling policies? Only after establishing clear human-centered values should agencies consider which tools might amplify that value. The conversation exposes how AI vendors use the same fear-based marketing tactics as the cosmetics industry, exploiting survival instincts rather than offering genuine solutions. For independent agents and agency owners wrestling with whether to adopt AI, this episode reframes the question from "How do I use AI?" to "What kind of business and culture do I want to build?"

Key takeaways

  • →Before implementing any AI tools, insurance agencies must first establish they are 'AI safe' by being grounded in human values, clear purpose, and genuine client relationships rather than pure profit extraction.
  • →AI adoption driven by fear and FOMO marketing leads agencies to replace human elements with technology, ultimately harming client trust and long-term business stability - quality relationships beat quantity of leads over time.
  • →The insurance industry's strength lies in its deeply human nature: trust, security, integrity, and personal relationships; replacing these with AI automation removes the core value proposition and opens agencies to competitive vulnerability.
  • →Agency owners should evaluate AI tools based on whether they amplify genuine human value and service capacity, not based on what competitors are doing or what vendors claim about falling behind.
  • →The mentality and values of those developing AI matter enormously; blindly adopting AI without understanding the values embedded in those tools can inadvertently introduce misaligned energy into your business and erode your agency's culture.

Guests

Olivier Glée

Topics in this episode

Scarcity mindsetAI adoption in insurance agenciesBe Like an Apple TreeDo Happy Work podcastfear-based marketing and FOMOhuman-centered business valuesAI safety in businesscompetitive pressure and technology adoptionclient relationships in insurancetool amplification vs. replacement

Questions this episode answers

What does it mean to make your insurance agency AI safe?

Making your agency AI safe means ensuring your business is grounded in human values, clear purpose, and genuine client relationships rather than being driven purely by profit extraction and fear. It means being confident in the unique value you provide so that any technology you adopt amplifies that value rather than replacing the human elements that define your business.

Should insurance agencies adopt AI tools if they're already successful and thriving?

Not necessarily. If your agency is already performing well, has happy employees, strong referrals, and genuine client relationships, you likely don't need AI tools immediately. The question isn't 'Am I falling behind?' but rather 'Does this tool help me serve my clients better?' If your business isn't broken, forcing AI adoption based on fear and vendor pressure risks damaging what's already working.

How are AI vendors marketing fear to insurance agencies?

AI vendors use FOMO (fear of missing out) and scarcity-based marketing tactics similar to the cosmetics industry, claiming agencies will fall behind, lose business, and become irrelevant without AI. This fear-based narrative plays on survival instincts rather than offering genuine solutions tailored to an agency's specific needs and values.

Will AI tools replace insurance agents and their employees?

AI will only replace human workers in agencies that prioritize pure profit extraction over human relationships and client value. Agencies grounded in genuine human-centered service, where owners have confidence in their unique value proposition, can use AI as an amplifier of that value without replacing human elements - but this requires intentional choice about how the tool is deployed.

What should insurance agency owners do before evaluating AI tools?

Agency owners should first answer foundational questions: Why does our agency exist? What is our core value beyond selling policies? What do our clients really seek from us? Only after establishing a clear, human-centered value proposition should they consider which tools might amplify that value without compromising relationships and trust.

What our scoring noted

Our reviewer’s read on each dimension, with quotes from the episode.

Insight Density

6 / 20

The episode recycles the same core point - be human-first before adopting AI - for nearly 40 minutes with very little tactical or novel elaboration. The creativity-vs-productivity distinction is the sole idea with any intellectual texture, but it is never developed into actionable guidance for agency operators.

making your business AI safe is really the first step before even, even thinking about what kind of tool do I need to use
AI is actually not intelligent. Okay, I have a lot of problem with that expression. I think artificial intelligence, uh, intelligence is an oxymoron

Originality

7 / 20

The 'AI safe vs AI ready' reframe is a mildly interesting rhetorical pivot, and the backward-looking machine vs. forward-looking human creativity argument has some merit, but the rest is indistinguishable from generic AI-skepticism content - mindset over tools, fear sells, FOMO marketing - that saturates every 2024 business podcast.

true creativity, the one that is original, the one that sets us apart, that allows us to come up with amazing ideas, is forward looking. But productivity, the things that machines can do is backwards looking
The AI narrative now really plays into our sense of survival. It's being sold to us as a, uh, necessity in order to survive, which is absolute bullshit

Guest Caliber

4 / 20

The guest is the host's husband, a self-described 'work educator' and 'business guide' who explicitly states he does not actively work in insurance; he has no demonstrated track record operating an agency, scaling a book of business, or deploying AI in any measurable context, making him a poor practitioner voice for an insurance operator audience.

I am a work educator, uh, a business, uh, guide
Me as an outsider, because I don't actively work in the insurance, in the insurance industry, I have this outlook on insurance

Specificity & Evidence

3 / 20

The entire episode is abstract philosophy with zero named tools, zero metrics, zero client case studies, and zero concrete timelines or dollar figures; the only anecdote - a vague conversation with an unnamed agency owner at a Vegas show - provides no usable evidence.

someone had came up to me and um, this was at a show in Vegas. And, um, they have a very successful agency
it will deplete every marketplace within the next five years

Conversational Craft

5 / 20

The hosts function almost entirely as an affirmation chorus - 'you nailed it,' 'boom,' 'that's that scarcity marketing' - and never press the guest on any claim; the sole 'challenge' question at the end is a wide-open softball that invites more of the same philosophical monologue.

I genuinely feel like so much of us just. We're letting AI tell us how to dictate our businesses
What advice do you give anybody who is contemplating of, uh, adding AI to their current business?

Conversation analysis

Computed from the transcript - who did the talking, and the words that came up most.

Share of words spoken

  • Speaker A69%
  • Speaker C16%
  • Speaker B15%

Most-used words

human36insurance22agency19feel15fear15businesses14first14value13humans13better12money12safe11help11tool11important11understand10

Episode notes

Click here to send us your thoughts! Olivier Egli joins IAD to discuss the impact of AI on independent agencies. Thank you so much for listening! Don't forget to leave a review!

Full transcript

39 min

Transcribed and scored by The B2B Podcast Index.

Speaker A: Foreign.

Speaker B: We're back with another episode of Insurance After Dark. And I got my co host here.

Speaker C: What's up, y'?

Speaker B: All? Vera. I don't even have to say Vera because everybody knows Vera. Everywhere I go, where's Vera? How's Vera?

Speaker C: I'm fine. I'm m here, I'm successful. I'm sitting in happiness and wealth and health, and that's all that matters, right?

Speaker A: Right.

Speaker B: So this topic today, it's, um. You know, I feel like we've talked about it, but I think we've only talked it from one angle. It's always, you know, I feel like when we talk about it, we have somebody in that side of it, like the technology side of it, and it's kind of like, I don't know, some response kind of seem repetitive. You know, it just seems like everybody. They're probably robots, though, to be honest with you. They. They're even human. So.

Speaker C: Dude, I never thought about that. I'm telling you, your favorite topic, you guys, it's AI I know before you click on Stop and not want to listen, this is AI in insurance, okay? We are very, very focused on making sure that we, as you know, we dedicate our, this podcast really to the independent agent. That's what we care about. So I don't want to get into, like, carrier AI stuff. We want to understand what's going on on the independent agent side. Um, we have Olivier here. Some of you guys know he's my husband, Olivier Glee. Um, we have a company called Be like an Apple Tree, and he has a podcast actually called Do Happy Work. And Olivier, we're bringing you on here because you recently did an episode about how to make your business AI safe. And because, you know, insurance, I thought, hey, naturally, I want to have you on this show to help us help agents feel good about everything that's going on with AI so welcome to Olivier. Feel free to share a little bit more about yourself.

Speaker A: Yeah. I am a work educator, uh, a business, uh, guide. So I help people not just make their business AI safe, but make it future proof, but also align your personal self with work that is meaningful. I call this happy work, and I call what I help people build happy businesses. So I think nowhere is this more relevant than in the insurance sector, where I have had, uh, the great fortune to work with agency owners and people working at, uh, industry before. But now with the, uh, adventure of that is AI right? The things are shifting yet again because now, besides just, uh, more. More fractured marketplaces, we also have a technology that has introduced A new kind of scarcity and fear and agony even in um, in what we do. So yeah, I very excited to share my perspective on how we can extend the validity of our work in, in insurance in times of AI.

Speaker C: Well, just jumping right in because Carlos and I have really, I feel like we've really touched on this topic so much. Mostly because all the shows we go to, it's all AI stuff. LinkedIn is full of AI, Instagram's full of AI slop. But Olivier really like around the topic of AI and the insurance agency owner, how should they approach this? Because we have a couple of uh, of sides or schools of thought. One is like eh, overhyped, don't care, not interested. And the other is like full force, don't want to get left behind. I'm going to put all my systems in place with AI and it's not necessarily about replacing their people. They just feel like somehow AI or tech is going to make them better.

Speaker A: Yeah.

Speaker C: So what are you seeing and what should insurance agencies really be thinking about?

Speaker A: I mean this is a, it's a very loaded and layered question and it's probably, there's probably not enough time to answer it in detail, but I will share the gist of it. It's because it's always the same conversation we have, whether it's AI, whether it was before, you know, like email marketing or it was like the adventure of certain automation that was, became possible. The problem is not technology. The problem is not really what we do with it. The problem is our mindset with which we approach business. Because AI, yes, it's an incredible thing. It's the highest developed technology that we have ever had access to. But the same thing people thought when the first personal computers came out and the same thing was thought when electricity came out and when during all the uh, big industrial revolutions we were always stunned by it, but at the same time also fear because it involves change. The problem each and every time is that our mindset is not ready for a powerful tool. We are not ready. Just like we were not ready when you know, nuclear energy became available to us. We're not ready. What are we doing with it? We build weapons. So the danger with AI is kind of same thing is that of course because we're so scarcity driven because all we care about is how can we use it to have more leverage in extracting more money, in making more business, in closing more deals with. We also going to use this technology of course to push people out of the business and to remove what is most Human about our business. This is always the danger with technology when it's used by people who don't understand what it means to be human. And I know that I'm kind of like widening the field right now. I'm like opening the picture a little bit. I know, and I know that people always want for me a concise, precise answer what to do with AI. But I guarantee you there's no simple answer to this as long as people don't understand what work, what insurance work is actually about. If you today, you run an agency because you want to make more money, then you will use, uh, AI in ways that will replace people. And then we have to be fearful, we have to be scared of that, we have to be scared of the mentality. The Cs work only as a way to extract money from people. Me as an outsider, because I don't actively work in the insurance, in the insurance industry, I have this outlook on insurance as being one of the most human industries in the world because you guys deal with safety, security, with integrity. When you introduce AI in a system where people just want to make more money, what you really do is you create more fear, you create more competition. And now what you do is you create competitive AI systems. So I see this already now. A lot of people have. These have one of two kinds of thoughts. The first one is all in, um, all in, I gotta learn this thing. I gotta use it better than my neighbor, better than my competitors. I have to be faster, more efficient, more involved. And then there are the other ones who are overwhelmed and just look away and there's no gradient in between. And that is when a tool becomes toxic because it means that you either use the hammer to kill someone or you don't touch it at all. When in reality, you need to learn to use the hammer to, to build houses, to fix houses, to provide people with value. But this is not happening currently because people are fearful. When you approach AI with fear, when you approach it out of the fear of missing out on, um, missing the train, the AI train, well, you're either going to learn it to do harm or you're going to reject it because you're fearful of the harm that it can cause. And that is the problem that we're facing today. This is, this is a technology that we are mentally not ready to fully embrace. And so the very first step is to make sure that our businesses are safe. It's not about making our businesses AI ready. Our, uh, businesses first have to be AI safe. And what do I mean by AI Safe. It means that in order for our businesses to survive, in order for our businesses to be around in the next 1, 2, 3, 4, 5 years, instead of turning them more and more into systems, into technological systems, we have to turn them more and more into human environments. We have to refocus the businesses, the agencies, around human values. And I have seen in my own observations, in my study of it and in my work that I do with my clients is that AI is not capable of emulating human aspects. It cannot replace the human aspect in, in.

Speaker B: In.

Speaker A: In relationships, in personal dynamics. And we all know, and I'm. I hope that a lot of the listeners will agree with this, the insurance business is a personal business. The instant you remove the personal aspect, all you do is really just push around numbers, zeros and ones and, and policies for money. But I'm really hopeful that most people are not in insurance because of that. They are here because there is a duty, there's a responsibility to the insurance industry. So when you shift your business away from human values, let's say you don't care about human values, well, then you should replace it entirely with AI. I agree with that. But imagine what kind of world you help create, and imagine what kind of workplace you create. Imagine what kind of environment you help shaping. One where humans are intentionally being left out. Where everything that is human and special about us, everything that we care about in our work, in the creation of value, in the building of relationship, becomes replaced with its technological cousin. And before we know it, we have removed the very basis of life, the very basis of the joy that we seek and the happiness that we want to have. We have replaced it with something that is artificial and is not able of giving us that. So, as you can see, the question is, is. Is a big one. And the answer is an even bigger one. But making your business AI safe is really the first step before even, even thinking about what kind of tool do I need to use in order to increase my efficiency. Because for me, making a business AI Safe means making a business human again. Why are we here? Why does our agency even exist? What is the real reason besides just selling policies and bringing people into our book of business? What is that one thing that we're here to provide? Because once you have that, you prove that you're needed and that you are built on human values. And now you have to ask yourself, well, are they. Are there AI tools that can help me be more efficient in deploying that value, in being more human, not being less human? We're paying a High price right now because for so long in business, people have people. I'm talking about people, not robots. People have behaved like robots. Then of course, when people behave like robots, they should be replaced by robots. This is what's happening now. But this leaves us in the near future with nothing else but robot. With, with robots that, that deal with robots. We need to go back to be humans who deal with humans and who use sophisticated tools to deal better with humans.

Speaker B: You know, it's, it's crazy that you say this, because I feel that a lot of people right now are building a fear before they even try anything. It seems like with everything going on with social media and people and companies telling you, don't be left behind, you're going to fall apart, you're going to be out of business. It's. Instead of motivating, I start seeing a lot of fear going into their, into their head. And you know, it's one of those things where it's just like, if I don't jump on board, then I'm not going to be able to keep up and I'm lose my business, you know. And I think people. I'm glad you said that because I think people are not thinking about, like, before we move forward on it with AI, let's make sure that first we are an AI safe environment. I mean, I think that's more important because the number one fear is I'm going to be replaced. And it doesn't have to be that way. I mean, like you said, if you're just talking about like just money, money, money, you don't care about human values. And that's probably what you want.

Speaker A: But that's exactly my point. If you're fearful today of AI, uh, it means that for a while now you've done something wrong. Because confidence in the value that you bring into the world resists technological advancement. That has always been the case. If you show up for your people in the right way, your people will have your back. Your clients will stay with you throughout the organizational and technological change. It does not matter. But the problem is that for so long, so many of us have done what everybody does. We've sold the same thing for the same price in the same way. And then of course, when a disruptive technology arrives, it puts things at odds. Now we have nothing except following the sheep, the herd of sheep again and asking ourselves, what will it take? But, uh, what I want for people who understand is rather than constantly chasing your own tail, constantly running after the next, the next and the next technological Development, develop your own value system so that you get a more confidence, also a sense of clarity and you know, like self leadership. That does not make you vulnerable to what the world says and does because that gives you time to adapt and to also adopt new technologies. When people just blindly steer into whatever the next AI agent is, that just has been, that has been, uh, announced this morning. They don't even. They become blind to their business because all they focus on is now the thing, but they don't see how the thing relates to what they are doing now. They're just focused on keeping up, keeping up. And I have been teaching for many years now. You should not, you should not work or live in a comparative way to the world. You should not do something because everybody else is doing it. You should never try to work in a relative fashion to your environment. You should always live on absolute terms that are true for you where you ask the questions that relate to you and to the people you serve. But we have abandoned that now because now people only exist in relationship to the AI news that they get. Right? What is the world doing with AI? Am I up to, Am I up to speed? Did I already miss, you know, the connection train? Uh, am I already, you know, story of yesterday? No, because if you're doing a good job, you're not. And you, you can buy time with that. That's, that's what I mean by being an AI safe business.

Speaker C: It comes from this fear that really, at the end of the day, I think people only think about money. I'm gonna miss out on all this money because, you know, all these agents using AI are getting so many more clients. And I always like to say, like, are they, are they getting so many more clients? Carlos, remember how, um, we had recently a commercial, uh, like an episode on commercial insurance and how some agents that finally decide to get into commercial, they want to do every single thing instead of just latching onto one, understanding why they want to do it, and being really, really, really good at that. And then you can open yourself up or get tools to become better at other things, right? Why? Because they're terrified that they're going to miss out on something and I don't know how many more times and how many more decades have to pass for us to finally realize that we are sheep. I don't care if you think you're some like, leader and like, no, I stand out. Like if, if, if you even had an inkling of like, oh my God, I might be irrelevant. You're a sheep and I'm sorry if that hits hard, but I, I, I think Carlos is like, boom. Um, but I think you nailed it. Olivia. When you said we've, we're robots now, using robots to do more robot things, I, I hope that it's coming home to everybody to understand what it means to be an AI safe business. It's like, do you know why you even exist? As. Do you remember why you started as an agent? Because many of you didn't start from scratch.

Speaker B: You're right. Because after, I'm sure after listening to this episode, uh, people are going to really sit down and kind of reevaluate, like, where do I stand? Why did I start? You know, I didn't start this way, but somehow I lost my way. And now I feel like I need to do what this agent's doing. I'm doing this agent, this agency's, you know, stuff like that. So I love that, I love that whole part where he's saying, you know, is your business AI safe? And it doesn't mean, like, you're not going to get a program or something that makes you work more efficient. I mean, that's, that's cool. I mean, like, we've been using it forever, you know, like, we came out with PowerPoint, we had Excel, we had, you know, Word, right? This is just some new things. But the way they're portraying everything, it's, I feel like they're using the fear of everything to kind of make you buy their systems. And every, every single day, I just kind of feel like it's the new thing now. It's the next big thing. It's gonna be this and it's gonna be that. It's like, it's a never ending story. And I feel like what they're using, the approach to all of us is fear, fear, fear.

Speaker C: Gonna say, since you come from advertising ova, you're the first one to say they're using that same old thing of like, oh, you need this makeup or you're gonna look old or you're not. You need this moisturizer or your face is gonna fall apart like that. That is literally what. They're just using the makeup industry tactics to scare the heck out of everyone, to buy more, uh, you know, things that you don't need.

Speaker A: It's true. I mean, fear sells because by, um, default, the way our brain works, we're much more attuned to risk than, uh, to, uh, opportunities. Because we, we need to survive, right? We need to survive in order to thrive. Survival comes first. The AI narrative now really plays into our sense of survival. It's being sold to us as a, uh, necessity in order to survive, which is absolute bullshit. It's not true, and it will never be true. But, uh, it's so in the center of our attention right now that, of course, people who already have a scarcity mindset, who have a scarcity outlook on the world, they eat that shit up. For them, that is, it's religion now, it's truth. It's the fact. It's just, it's a little bit like with what have to happen with cryptocurrency, uh, with Dodge coins, everything. I mean, the, the history, even the recent history of, uh, mankind is littered with all these fashionable terms. And I agree, AI is a breakthrough technology, and it's here to stay. It is here to stay. But we, with our attitudes, will decide whether it's going to be our end, and I mean it this way, because it has the power to unhinge everything we've built, or if it will actually permit us to do a better job at the things that we are meant to do. And this is a decision that is not left to the government or to the AI development companies. This is left to every individual who opens up ChatGPT in the morning. What am I, what drives me to use chat? Why am I using chat? Is there, is there sense and validity in my decision to use it? Does it actually increase my ability to serve my people? Or is it a laziness? Is it B, to cut out a human element I don't want to deal with? Or is it C, to extort something that I feel I deserve? And it's sadly, and unfortunately, it is not one of the better choices. Uh, it's not one of the better reasons why we make those choices. We think that it's something that's going to help us to, uh, mine more stuff. And this is a race to the bottom. This is unsustainable, and it will deplete every marketplace within the next five years. If we believe that, if we do this, we have to understand, just like money, just like a microphone, it's an amplifier. It will amplify whatever is true about you. So if you are a fearful person, if you're a fearful agency owner and you decide to introduce AI into your agency, you will use AI to, uh, amplify that fear that you have. If you're a confident person, if you know what differentiates you from the rest of the market, where your value proposal lies, why your people seek you out, and you use AI, you will Amplify that value and the result will be night and day, even though you're using the same tools night and day. Because a person who uses a tool to create value will never harm a human being and will never replace a human, human value with an artificial replication of it, never incapable of it. And, and I just want to add to this, and because it's something that we, we tend to forget. Has any one of you ever looked at the people in charge of AI? Any one of you? Have you ever studied the people that. Their mentality, their outlook on life and work, of the people who are, who are actively developing AI and selling it to the masses? That should tell you a lot. Because when we just blindly adopt the creations of people who are not able to even understand what it means to be human, to run a human business, we invite their energy into our agency. We make their energy part of our agency. You can have had an insurance agency for 25 years that was successful. You introduce that kind of energy today, you might destroy a 25 year legacy, a lineage within a few months. Because people are not stupid. People are not stupid. And the people you serve, if you turn your back on them by introducing AI rather than human reports, that will cost you. It might look at first like you're closing more deals. It will look at first like the numbers are going up. But we don't even know yet what the midterm and the long term numbers are. And I guarantee you that quantity will be defeated by quality over a short period of time. And the leads that you get through AI will start to dry out and they will start to bite you in the ass. And then when it's the most important, you're not going to be able to deploy, you're not going to be able to show up for your people because you have replaced everything that's human about your business with system that have no liability and no loyalty. That is just a fact. There's no substitute to humanness in the human experience. Why would there be? Why would we replace what is most human about us? Showing up, sharing our gifts with the world, being there for our people? Why would we replace this sacred connection with something has nothing to do with us? Why would we.

Speaker B: That's interesting you say that, Livia. You know, someone had came up to me and um, this was at a show in Vegas. And, um, they have a very successful agency and they were asking about AI and at the end it kind of turned out where I just kind of said, well, what do you. Why do you need it? I mean, Based on our conversation, you're doing great. Everyone in your company is happy. Um, you said that you have a lot of huge referrals coming in. Like you guys are not struggling. He's blessed, you know, yada yada. But I started thinking, it's like, well, I don't think you need AI or you need to implement. I mean, do you feel like you need it because they're telling you to? Because from what I look like, I mean, it's kind of like that whole saying, if it's not broken, then why fix it? But they kept hammering to these people, oh, if you don't have this, you're falling behind and blah, blah, blah, this and that. So I was just like, if it's already working, I don't know, you might not even need a.

Speaker C: That's that scarcity marketing that they're doing, man, the FOMO marketing.

Speaker B: I wish you were there. Cause you. I could have. I kind of, I mean, now that you were talking about this, you're right. Because what their agency had, that really stands out now because we're having this conversation is they had a very, well, human touch. Value. Touch to that business.

Speaker A: Yeah.

Speaker B: And you can see it when they are, they're talking to me about it. So it's just like I didn't use those words and I wish I would have done it because it would have been like bone. But you know, it is what it is. But that's technically what it was.

Speaker A: It's like, you know, Carlos, there's an, there's maybe an important aspect to, to throw in the mix, you know, in order to like get read the full rounded out picture. A.I. is great. I'm not here to demonize A.I. okay. I'm not here to say that A.I. is, uh, is going to kill us. A.I. is not going to do anything. Right. It's like with the hammer again, it's the, the intention of the hand that uses the tool that either kills or builds AI is amazing because it can actually really increase our efficiency to the degree where our work makes more sense and our works becomes more, more streamlined. And where certain people don't have to do mind numbing labor. That's very important, has always been very important. The problem is just that we're blowing it out of proportion in our greed. We allow it to take over aspects that are actually very important that humans do them. And I like it to always see it in a very simple way. Everything in life is always divided in kind of like two aspects that are complementary. Uh, this is kind of Translated, um, through the concept of yin and yang, day and night, the negative and the positive, right. They complement each other. In a business you always have a creative side and you have a productive side. That's true to an artist as much as it is to ah, an insurance agency or to uh, any kind of other business entity. And AI is actually not intelligent. Okay, I have a lot of problem with that expression. I think artificial intelligence, uh, intelligence is an oxymoron that it should actually be forbidden. It's not artificial intelligence, it's or artificial efficiency. Uh, but intelligence is a human or rather a natural trait that is required to be creative in creativity is something that is left out to humans. Only humans can be creative. A machine cannot be creative no matter how advanced it is. And you know why? I heard a very good explanation why machines can never be creative. Because true creativity, the one that is original, the one that sets us apart, that allows us to come up with amazing ideas, is forward looking. But productivity, the things that machines can do is backwards looking. It looks back in time. And this is what the large language models are doing in a very impressive way right now. No matter how advanced they are, they look at tables of information and extrapolate meaning out of them. But that means that they need to have information. But humans have this incredible ability to be intelligent. And even in the absence of information, they're able to come up with things even when they don't know. That's to me what makes an amazing insurance agent is to just feel and know what's right for the given moment, for the given person. Something we can never outsource to machines. So it is very important that when you have an insurance agency that you also understand where's the limit? Where's the impenetrable wall between what is creative and uniquely human and needs to remain in the hands of humans and what is strictly productive and can be streamlined and can be handed into uh, into the hands of a digital entity that is algorithm based. But we just tossed a whole sink@ uh, AI. We just take the whole thing, which is take everything and we tell AI to come up with all aspects of our. That's why it fails and that's why we lose. We have to first take the responsibility to understand where's that separation, where's the holy human part that is truly original and creative and where's the productive side that needs to be streamlined that where, where AI can make a difference so that we are relieved of labor's duties and can be creative? And how many insurance agents are Listening to this right now, who think, oh, no, you know, being in insurance has nothing to do with creativity. I mean, I. I'm always sad to hear when people think that their work has nothing to do with creativity, because if it involves other humans, you always have to be creative with your words, with your thoughts, with your actions, with your decisions. That's where it shows. That's what we cannot leave it to AI. We cannot. So the forward looking part, looking forward, looking into what needs to be done. This is sacred and human. But to clean up behind us and to use the data available, you know, to just run processes, by all means, find the best possible tool to do that. It makes sense.

Speaker C: I genuinely feel like so much of us just. We're letting AI tell us how to dictate our businesses, our lives. What can I do better to. How do I do this? Versus saying, this is who I am, this is why I do this. This is who I serve. What can you do to make me better at this or at sharing my message? But there's a lot of digging, right? Most agencies. Carlos, how many times? Ah. And, uh, I don't like to use these words lightly. Where, you know, your mission or your vision, your. Why? Because, Olivia, you know, we. We get really granular on these things, but there. There's no. No clear direction, there's no clear narrative that says, this is why my agency exists, why I will never be replaced, and why I put humans first.

Speaker A: Yeah. Yeah. And maybe, you know, let's ask the people listening to this. Sit down and write tonight in your. In your journal. Write down, why does your agency exist? And if you revisit it the next day and all you can find are, uh, reasons that are replaceable. They are generic. There are kind of like industry standards. Then there are two possible outcomes. A, you have to close down your business because nobody needs you, or B, you have to be replaced by a machine. That's the consequence. If, however, the. The answers you come up with are personal, human, beautiful, important, relatable to a large set of people, and truly, truly important for the continuation of mankind, then you need to stay exactly where you are and find the best possible way to secure this and use AI to amplify it. But who sits down and does these things? Usually nobody. We just truck along. And now we do it instead with. Right, with this software. We do it with that software. And instead of doing it in cash, when I do it cardless. But we should stop. We should really understand AI as a crisis in the true sense of the word, which means A decision. We need to make a decision now. Who am I going to be in the age of AI? Who is my agency going to be? Just one of the many that just uses the better tool or that unique one that uses the tool to bring this uniqueness better into the world? And I am not splitting hair here. Um, I know it sounds probably like very off kilter because we don't talk at this level usually, but what I'm talking about are natural references. They're references that you can find in thriving ecosystems in nature, but also in businesses that have been around for decades and that will survive most other businesses because they allow for natural human dynamics to steer their decision making, not just like jumping to the next on the next fashion that happens to be on vogue.

Speaker B: A couple things. I'm sure Vera will wrap it up, but I have always my last question, right?

Speaker C: He always has one or two or three last questions.

Speaker B: No, I only have one. I don't have one. It's okay. So agency owners out there, those are listening. You're still con. Because there's a handful, there's a lot actually debating AI uh or not AI uh. I like how you pointed out a couple things, you know, that you're not here to bash down A.I. uh, it's here to stay this and that. What advice do you give anybody who is contemplating of, uh, adding AI to their current business? Like, what do you, what would you be your first, like their, their advice to take it on the first step to figure out they need it or not or what to do?

Speaker A: Well, I think it goes, it goes back to a lot of things that we discussed. But you have to ask yourself always the big question before you introduce a new tool into your sacred ecosystem. It's the big three letter question. Why M, Why not how not what? Most people just look like, okay, how am I going to use AI? What tool am I going to use? No, stop. Go back to, you know, to the beginning and ask why? And then when you have an answer, ask again until the reason for it is so clear cut, so absolutely transparent that you realize I have no other, other choice than to now ask, okay, how am I going to proceed and what is it that I'm going to introduce in terms of AI? Do not rush into it and never ever build a business on AI. Okay, this, this is, this is one I cannot, because that's one that actually upsets me. There are so many people out there right now playing these, you know, uh, paying for these Google Ads and Instagram ads where they tell other entrepreneurs that they want to teach them how to teach other people how to build an AI business. There are no AI businesses, okay? An AI business is an impossibility. Every business is always human. If it's not human, there's. There is no business. Because humans pay and humans create value. So if you are an agency owner and you're tempted by AI, never, ever believe the lie that you're going to turn your business into an AI business. You're going to turn your business into a human business that's going to use AI to help it deliver more value. This is a promise you have to make to yourself and to us. Because otherwise you're garbage. Otherwise you're poison to the world. And we don't want you. And I want people to wake up to AI businesses, so called AI businesses, and avoid them because they undermine what is important about life and they undermine the value that we need in our lives. So the big question, why? And then develop a game plan. Develop a game plan that never loses sight of the why. Whatever you do, whatever you learn, whatever tool you introduce, always make it feed into that why. Never lose the why out of sight. And make that why about people, about something personal. Not about money, not about success, not. Not about numbers. Because if you do, you're lost and you're done. And you will not survive what comes next. I guarantee you this, you will be swooped up, crushed. You're gonna get onto the wheels. You're gonna be story of yesterday.

Speaker C: Yeah.

Speaker A: That is so important. And this is why I'm so hopeful. I actually think it's a great thing what's happening because it's gonna make so many. Allow the term bad businesses disappear. Um, so many who don't have a good why are going to be crushed by the presence of why. Because a, uh, weak why, uh, in times of AI is just not enough. It will show that you have nothing to offer.

Speaker C: And you'll be surprised at how difficult it will be for you to sit down and write out your why. Because you probably haven't thought about it in a really long time. Or at all. So I think that we've given folks a lot to think about. And I also think that your homework, your takeaway from this episode, don't use AI to ask these questions. Don't even use your laptop or your phone. Grab a piece of paper. And you know what? Not even a pen. Use a pencil and write down your why.

Speaker A: Yeah, agree.

Speaker C: And as Olivier said, once you do that, write it down again until you get so crystal clear. And I'm gonna plug it. If you need help, call Olivier. Olivier, where can people reach you if they want to learn more about how you're approaching all of this? How you help people figure out their why, how to do happy work. And you do a lot of stuff in insurance, so where can. Where can people find you?

Speaker A: You. You can find me on LinkedIn under, uh, my name, Olivia Eagley. I have a podcast called Do Happy Work.

Speaker B: You guys got some homework to do, so thanks, everyone.

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