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welcome to learning with meek the insurance geek thats me Im Joel meek and thanks for joining us do these videos specifically to cover some topics that we get in terms of a lot of questions from clients and other people in the area and so were trying to try to help people make sure they have the right coverage we our office make sure they have the best rate as well and because you never want a situation where you have a claim and you find out at that point you did not have the right coverage because clearly its too late like jumping out of an airplane without a parachute right you had to make sure before you jumped and this basically what we try to do with our clients and through these videos today I want to talk about something that it used to be pretty common that it was included with most most agents would include this for clients because they cared about them they want to make sure they were protected but we have seen a dramatic increase in the quotes and policies where agents