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This episode is sponsored by IA Path - Unlocking Your Adjusting Superpowers. Go to https://iapath.com Michael Gay has built a career in the program business space a MGA/MGU space. Program businesses are the incubators of the insurance product chain where niche or test insurance products can be built, tested, tweaked and marketed without the pressures of a scaled up, generalized product such as auto, homeowners or workers compensation. Michael is an expert in this area and walks us through how he comes up with ideas for insurance products, how he builds them and how he measures the success of these programs.  CONNECT WITH MICHAEL GAY: LinkedIn: https://www.linkedin.com/in/michaelwgay/ MENTIONED IN THIS EPISODE:The AIG Story by Maurice Greenberg: https://amzn.to/2tr1Rnf Bullett Journaling: https://amzn.to/2K4BD3X  BOOKS RECOMMENDED BY MICHAEL: Zig Ziglar Performance Planner: https://amzn.to/2Mk5HoY The Complete Idiots Guide to Physics: https://amzn.to/2tALZO2 The Complete Idiots Guide to Music Theory: https://amzn.to/2yDihh1 Books by Zig Ziglar: https://amzn.to/2KgnpsU The Bible: https://amzn.to/2tre6zV The 10X Rule by Grant Cardone: https://amzn.to/2K8lpa8 Books by Don Malecki: https://amzn.to/2MS8xCG  SUBSCRIBE AT:Buzzsprout RSS: https://goo.gl/5K4X3QGoogle Play: https://goo.gl/WMAvW4iTunes: https://goo.gl/7SqwvPOvercast: https://goo.gl/8b4cbDStitcher: https://goo.gl/DmE7MiYouTube: https://goo.gl/1Turar