Vicki Gunvalson Breaks Down Wendy’s Insurance Fraud Case and RHOC Season 20

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Speaker 1: Reality with the King is hosted by me, Carlos King.

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Speaker 2: I'm an executive producer who have produced some of your favorite shows from the Real Housewives in Atlanta, New Jersey and my own creation, The Love and Marriage Franchise and Bell Collective. Every episode we recap reality television from the Real Housewives Franchise to The Bachelor or Selling Sunset, in addition to celebrity guests, whether in the unscripted space or scripted as well.

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Speaker 1: All right, ray Jaws. Before we get in to this episode with.

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Speaker 3: Vicky, Gova said breaking down exactly what insurance fraud is, I want to warn you that Vicki is a working woman. So if you hear Eddy Ding's bell's and whistles, it's because the og of the OLC was in the middle of a work day and she is busy as can be. Exkews the beings, the bells and the modifications and get into this amazing episode with Vicky.

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Speaker 1: Go on today's episode of Reality with the King. Listen.

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Speaker 2: It's not every day that I am in the presidence of Royalty.

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Speaker 4: Oh God, my crown's a little crooked.

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Speaker 1: How's up?

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Speaker 5: Oh honey, I'm here to Celtic back front and Center because I don't know if you know this, Vicky Goblesin, but when I started my podcast in twenty twenty two, my first episode, well my second episode was the top ten greatest Housewives of all time.

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Speaker 2: And Vicky Gobalsant, you were on the list, honey, my top five. You are also Vicky Goblesan on Carlos King's Mouth rushmore of the greatest.

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Speaker 1: Housewives in the history of the franchise. You are a legend, and you have no idea that ever since I.

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Speaker 2: Started my podcast, I've been wanting to talk to you, and I feel like today it's a great time just to really say I've obsessed, I love you, and I figure the greatest thing to ever happen to the franchise.

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Speaker 1: So there we go.

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Speaker 4: That was awesome. I appreciate you, I really do, because you know it's you're only as good as the last episode. I used to care when I used to say that we're only as good as the last episode of the last season. But it was an incredible journey. I enjoyed it. You know, it was on full time I think fourteen or fifteen years, and then part time spriggled in this last season. I wasn't on and all, which kind of made me sad. But you know, I watched it with one eye open and when I close, going what's going on with this franchise? Why is everybody so angry with each other? So, you know, it really really is interesting to see how it all evolved after it, you know, so many years being on. So anyway, we're where we are for a reason. You know, we're heading into the twentieth year. I'll be at Bravocan this year, which I'm excited about, and you know, just trying to live my life to the fullest. I told you that we bought a house. Michael and I bought a house in Lakina and we went out to the Nest last night, which is this boldie but goodie. All the people that are over sixty go there, and it was like I was inundated with fans. I was forty when you know when when I started watching you, and now I'm sixty, I'm like, okay, that's me too. So it's fun. It's fun to see the people, and you know, the loyal fans that really just like you, like you've watched me evolve and grow, my kids grow up, and my daughter's got four kids now and my son lives in Spain, still selling insurance for me remotely, and I'm in a committed relationship again, so let's hope it doesn't go. Oh yeah, we're four years now almost. In January, Kelly Dad introduced us.

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Speaker 1: What happend that happened? Bigby who?

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Speaker 4: Well, after Steve cheated on me. I was like, I'm done. You know, I don't trust men, I don't trust anything. I'm good by myself. And then I thought one night, you know, because that's a little good therapy, right, you're sacrificing, You're you're giving up things that are really important to you. So she's like, write a list of what you what's important to you. So I started my list and it got to eighteen things, and Kelly called me and she's like, I want you to meet somebody. I'm like, I'm not dating again. I just I'm good with my girlfriends, I'm good with my work, I'm good with my family. She's no, I think you'd be good. I said, is he from California? And she's like, no, he's from Texas. I said, okay, I don't want to meet anybody from California because they all just get divorced and cheat and lie. And I'm saying that as a broad stroke. You know, most of my friends that are single have not had good experience. So I'm from Chicago. You're staying married for forever. You go through the bumps in life, you don't bail out. I bailed out once I got to California. I shouldn't have. And so she introduced me to him. I'm like, Okay, it's okay, you know, and I'm like, where are you from. It's like Texas. I go, okay, that works. And then it was here's my eighteen things of what I want a man. Do you fit him? He goes, we're only on our first date. It's not even really a date. And Rick, so he had all of them but one, and the one was he didn't have a boat. I'm like, don't worry about it. Fun get the boat. Here we are. I'm like, well, the closure, this is what I need in a man. No cheating, the line. You have to be self sufficient, you have to own your own business. So here we are.

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Speaker 1: Well. Look.

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Speaker 2: One thing that I have read recently is mel Robbins.

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Speaker 1: You can heard of her, you know.

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Speaker 2: She said that if you are lucky in enough to find a partner that has eighty percent of what you want. You have hit the jackpot, so, VICKI I think you hit the jock pass to start.

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Speaker 4: Well, I think so, you know, I'm very cautious still after almost four years, I don't know. People get married. So Kelly got married after a year, and Chamor got married after a year, and then like, I don't need to be married to be in a committed relationship, but I'm a marriage person, Like, ah, my friends are married and my family's all married. I just never want to be divorced again. It sucks.

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Speaker 2: So yeah, anyway, yeah, well listen before we get to today's topic, I do want to ask you this you said earlier.

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Speaker 1: How season twenty of the show you.

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Speaker 2: Helped build Vicky Govison is approaching and everybody and their mother is assuming that Vicky Govison will at least return for the twentieth season.

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Speaker 1: Of the Real House of washing Wors County.

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Speaker 2: Is that something you have haven't been approached yet or interested in?

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Speaker 4: Well, I've been approached by Tamra. She's like, we need you back. I'm like, hold on, girl, you're not Bravo. Stay in your lane. No, Bravo has not reached out to me. And they're the mother of the ship. I mean they drive the ship. So if they want me back for good TV, quality TV, inspirational messages showing what it's like to be a working business woman and building real estate empires and being kind to one another, then I'll come back. But if they want me throwing wine glasses in somebody's space and calling people to see you and see what does it see you next Tuesday? I don't do that. So I have four grandchildren eyes around me to be a role model. I don't need the money. Although I would love the money, I don't need it. I mean they're making big numbers now, you know, Tamar and I were in the seven figures when I left, so and that's but it's a hard life, you know. I think relationships get challenged. My boyfriend wants nothing to do with it. He's very he looks at it as a very toxic He's like, you're selling your soul the devil, and well, if you keep if you keep that in mind it's just TV, then you're not selling your soul. If it's real life that are infiltrating into your personal life. Now we're selling our soul the devil. So I'm pretty good about keeping in that lane of I'm only as good as my last episode or how I film. I don't entertain chaos in my personal life, my business life, my friendships. I just I can't do it anymore. I did it for as long as I could. But I don't feel healthy with toxic people in my life. And as you grow older, you've got to keep that crap out, you know, or it eats that you.

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Speaker 1: Yeah, yeah, now look good.

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Speaker 2: But you, I will say to this because you look amazing. It's that to love take his full and.

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Speaker 1: Dump.

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Speaker 4: I said, you're draining my love take. He's like, stop with your love take. Michael's got he said, your two handfuls. I'm like, no, not, I got this.

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Speaker 2: You know how Let's say you're you're you're a bass and and like you said, you definitely got this. So Rain Bobs, I wanted Vicky and I to tape an episode today because, as we all know, in the Bravo Land, doctor Wendy and her husband Eddie Osepho are being accused of insurance fraud.

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Speaker 1: And what I want my audience to do right now is.

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Speaker 2: To listen to an expert in the field so that we all can received a masterclass from Vicky Gombison when it comes to the deuce and deult of insurance, because there's a couple of things that these two are being accused of that I wanted to talk to Vicky about.

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Speaker 1: So listen, rain Drops.

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Speaker 2: As you know, vick and Gobison is the founder of Culture Insurance. She has been in the business for over thirty four years and clouting with over sixteen thousand clients in her tenure in the business, and as we all know for Wonderful Sung Michael is a part of the business as well, so she gets creating a family business. And who better yet to talk to about this topic than Vickie.

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Speaker 4: Yeah, I'm very emotionally responsible and connected to this because you know, we all pay premiums on either our health insurance or our jewelry insurance or our home insurance. Life insurance is one of our specialties. And when you look at somebody taking advantage of an insurance policy collecting on it, when we're all absorbing the cost of our premiums rising, you know, just like the Ala fires. You know, people are still trying to collect on that. But when we get down to jewelry insurance. She had to itemize all those pieces, her rings or jewelry purses, whatever it was. So you literally have to itemize because your home owners insurance will collect maybe five thousand dollars let's just say as a finder on that.

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Speaker 1: But when you.

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Speaker 4: Itemize your jewelry, you pay a premium for that. And when you take advantage of that policy and lie supposedly and collect a pretty large dollar amount from that itemization, it's very clear if she did wear the ring that she said that was, you know, stolen. That's fraud, just like if we don't pay our taxes, it's fraud. You know, you're going to pay for it some way. You're gonna go to jail, you're gonna have precisions of paying back. But you know, I played by the book I have always, and I tell my clients, you know you're itemizing this or you're insuring your home for X amount of dollars. A lot of people are under insured on their homes right now because the premiums have gone up so hard, and then when the fire happens or a flood happens, then they're blaming the insurance company they didn't cover it. Like you lowered your your benefits and you increase your deductible to save money on the premiums, and now you've got to be again, we're innocent until proven guilty. It doesn't look good for them. It just doesn't when you're prosecuted. I don't know a year later on a claim that you filed. There's been behind the scenes investigations to get to this place. So shame on them if they did, because we're all paying the premiums for people that are not ethical.

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Speaker 2: This is reality with the King, and I'm Carlos King.

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Speaker 1: Let's get back into the show.

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Speaker 2: Talk to me about this. You said something that I definitely want to get into. You mentioned how yes, in twenty twenty four, Theoseseephos.

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Speaker 1: Said their house burglar rise.

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Speaker 2: And because of that they file three playbout claims from three different insurance companies. So before I can do what happened a here later, I do want to ask you this because this was confusing thinking to a lot of us due to.

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Speaker 1: The burglary that arose.

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Speaker 2: Allegedly, they have home site insurance, Jeweler's Mutual insurance, and Travelers Insurance.

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Speaker 1: Before I came to the detail with a house gin burglarise.

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Speaker 2: Is it typical to go through three different insurance companies for fifty seven items that were allegedly stolen?

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Speaker 4: Well, fifty seven items is a lot. You can't memorize all fifty seven. So obviously she had them itemized. And I have Jeweler's Mutual for my jewelry from my diamond rings, for my diamond earrings and things like that. But obviously it's not fifty seven. I got like four items. She's play a big premium on that. Now Travelers might have been her homeowner's insurance, so then she has a jewelry claim, a home home owners claim, and then what was the third one? So Travelers Jewelers Mutual, and what was the third one? Okay, so she's got maybe laddered the coverages for if and when a burglary happens. Most people, as a broadstroke, have jewelry insurance itemized and then their homeowners insurance, and homeowners insurance typically does not cover jewelry up to maybe a cap of five thousand dollars, so she had to itemize if she had that many items. I don't really understand how she can collect on all three because typically it's a policy that Oh you're claiming on that, so we're not going to cover on this. So there's a lot of funny stuff going on there. I'm not in claims. I write policies, and when I write the policies, obviously we very much disclose. If you lied, sheet steal and make a claim that's not ethical, it is fraud and you will be punished by jail for resending pain back to the claim. Just like if you crash your car into a wall and you said some miss you, it's it's illegal. So you have to do things ethically. And in my business, I'm part of the National Ethics Bureau, I'm licensed by the Department of Insurance. We have an oath of conduct as an agent as a professional business owner, and I teach and tell my clients this is this is a policy that's there when you need it. It's not there to take advantage of. So, you know, she maybe she thought she got away with it. I don't know. Allegedly is a big word, but it doesn't look good for them, right.

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Speaker 2: Well, that's that's what people are saying because what you said earlier is, well, we'll talk about when someone files an insurance claim, the fact.

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Speaker 1: That a year later, we now know that they were prosecuted for these a less prize.

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Speaker 2: The police said that there's fighting senses on pair of prison course went up when they assessed the home that was allegedly burglarized and they felt like going through the second floor of the home didn't seem realistic.

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Speaker 1: They found no debris from.

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Speaker 2: The alligure robbers in the house and because of that, they've also said that based on insurance and I want to make sure I get this accurate. Travelers Insurance NICKY paid them over twenty five thousand dollars, including four thousand and five hundred for a diamond anniversary bring, but questions to a rose as investigators and insurers noticed red flags the lack of force, entrigue, security systems showing no disturbances, and returned luxury items that were later listed as stolen.

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Speaker 1: Jeweler's Neutral and Home.

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Speaker 2: Site also received claims and homes I ultimately denied theirs after inconsistencies were recovered.

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Speaker 1: When some files for.

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Speaker 2: An insurance claim and a year later they're prosecuted, how much work does the insurance company go into discovering if this claim is accurate?

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Speaker 4: A lot of work? How much did they totally pay out. I thought it was over four hundred thousand combined.

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Speaker 1: So that was the thing.

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Speaker 2: Closide insurance, the maximum policy was four hundred and I believe twenty three thousand dollars.

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Speaker 1: They said that allegedly the husband sent an email to his.

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Speaker 2: Wife Wendy, saying, add more items so that we can reach the maximum policy, which was allegedly awesomely paid off paid.

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Speaker 4: Yeah, that's guilt right there. Insurance company used to have to go through just like a murder or you know, something like that. They want to know what they're up against to prosecute. They obviously have done their homework and I but she wouldn't. She sends a email like what was stolen? Is it over forty items stolen? She itemized all those So I don't know. It just doesn't look good.

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Speaker 1: It doesn't look good.

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Speaker 4: Is it just abnormal for the housewife or is it just the world we're in? I don't know.

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Speaker 1: Well, I want to ask you this, there's a lot of housewives who are in big trouble. When it comes to a lesser crimes that are being committed. You are the og w olc.

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Speaker 2: There will be no real housewives franchise because it wasn't for the work you did since season one, and you've been on this show, like you said, for fifteen seasons.

00:18:52
Speaker 1: I want to ask you this because there's no better person to ask this question too. Is it difficult for a real house.

00:19:00
Speaker 2: By today, in today's time, with social media and everything else, to sort of keep up with the Joneses and portray a lifestyle that they can't afford.

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Speaker 4: I mean we can see it across the board every franchise everything. You know, we've got people renting houses because they don't manage their money. I've never rented in my life, not that renting is bad, but you've got to have a goal in mind to start getting equity in California, are equity in our homes is our everything? And you know, living beyond your means is also a huge thing. The clothing, the jewelry, the cars, the you know, facade. It's just to me, it's like, what are you doing? And I think Bravo feeds into it. Love you Bravo, but it's one franchise is doing this and then the other one has. Oh I have to be better than her, I have to look better than her. I mean here's a perfect example. Miami housewives are perfectly beautifully groomed women, gorgeous clothes, but I think they can afford it. I don't know they're net worth, but you can tell the lifestyle they have in the class of ladies and their friends. And then you go to some of the other franchises, it's like, what is she wearing and why is she saying that when we know she's in financial problems she owns the irs or it just I go crazy with it because I pay fifty percent of my income is in taxes, thirty eight percent federal and another twelve percent state, and those taxes are paid before I do anything, because it's not my money. And I see some of the women on my cast have snowballed and oh, I'll pay the taxes from last year when I get my next year's contract. That's crazy shit. And then you got penalties and interest in all this stuff. So I do my very best in educating every cast member that comes on to get my Excel spreadsheet. And by the way, when you get paid that X amount of dollars you pay federal and state and then you carry on with whatever's net because you get paid as at ten to ninety nine don't get paid as a W two, So there's no.

00:21:02
Speaker 1: Chan explained that not to interrupt you, but explained to the audience. I mean, I know that. He explained to me how a lot of reality.

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Speaker 2: Stars of public biggures get paid ten ninety nine and two and what.

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Speaker 1: The difference is. Right.

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Speaker 4: So let's say, for instance, I got to check for fifty thousand dollars for Bravo. I will immediately pay twenty five thousand. Now I put it towards the federal in state and then I met twenty five. But in a paycheck scenario, they would already take out the federal in state. You have to be responsible enough to do that yourself. So I don't wait for quarterly payments. I don't wait till the end of the year. I do it the day I get paid, because it's not my money. And so teaching some of the other cast members, it's like, okay, stop with yourself. You are not suspend the paycheck. It's not yours. Half of it goes away. So but my CPA says, Vicky, you're just too responsible and you don't let a day go bias it because I don't want to spend the money and that's not mine. And so she's like, okay, you're one of the old the ones. Usually they paid quarterly, I said, then they got penalties and interest. I'm not doing it. So we already pay enough in taxes. I don't need to pay them anymore.

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Speaker 2: Do you do you personally talk to reality stars about this sort of the ways of being financially secure, because you're really big on being a working woman.

00:22:22
Speaker 1: You're really big on not depending on a man. You're really big on beyond your means.

00:22:28
Speaker 2: Do you take a personal interest in tell some of your former castmates, some of the girls on the show, other housewives, how to do it properly.

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Speaker 4: I do, but they don't listen.

00:22:39
Speaker 1: They don't.

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Speaker 4: They don't listen. It drives me crazy, it does. It drives me crazy, especially in my cast. I don't go over to Miami and say, oh, by the way, did you pay your federals? Don't do that. But my cast, if they'll listen to me, they'll never be in trouble. So there we go.

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Speaker 1: There you go.

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Speaker 2: One of the things that yourself was a a Vickie that I really want to drill down into is the allegation of double dipping, so allegedly the diamond ring they first called the claim to home Site Insurance, who denied it. I'm sorry, home Side Insurance, who paid them twenty five eighty dollars for that. Then that same ring, they tried to get the money from Jeweler's Mutual Insurance without informing them that they were already paid out allegedly from home Site.

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Speaker 1: Is that illegal?

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Speaker 4: Illegal as illegal? Can't do that. First of all, the fact that Homesite andrelus Virtual allowed the same jewelry to be itemized on each on each policy, one should have disclosed. Let's say I put my help myself in here, I have Jueler's Mutual and I have you know, John Hancock for my homeowners, and let's say I itemize them both. You should, as a responsible human, disclose to one of them that, oh, by the way, this is all itemized over there, but it's not over here. You can't double dip. I mean, insurance companies are one of the richest entities in the world, and people think, oh, I've paid these premiums for this money years and I'm just going to double dip. You can't do that. It's illegal. So very you know if it's easy money, it typically is illegal. Sorry, I may have said something wrong, but nothing in life is easy. I work really, really hard for every dollar I have, and it's not easy. But I'm grateful and thankful for my clients that trust in me, and the life insurance Michael's my life insurance specialist, and all those things that we do for people. It's just it's not easy. So if I was going to be in an insurance agent and make a claim, that's wrong. So I lose my business, I lose my license. Okay, let's say I collect one or two hundred thousand dollars. Is that worth going to jail? Is that worth getting free money illegally? No, it's robbing. Somebody can do it.

00:25:14
Speaker 2: And just to make sure I got this right, Range Job Travelers reportedly paid the twenty five three hundred and eighty dollars, including the forty five hundred dollars for the diamond anniversary bring, while home Site denied their claim after discovery and consistencies.

00:25:31
Speaker 1: So I wanted to make sure I got that right, Vicky. Did you hear her that allegedly the diamond ring that they claim was stolen.

00:25:41
Speaker 2: Prosecutors are alleging that Wendy wore it in a recent photo on social media. Now some people are saying that, look, maybe she got a replica of the ring.

00:25:54
Speaker 1: It's the money towards that. What what do you think about that.

00:26:00
Speaker 4: That can happen? You know, I years ago I lost my It was a diamond ring that had like four or five different bands on one ring, and I was in Bali and I put it in a glass next to my dresser, and when I checked out, I left the ring in there, So I knew that right away. When I was in the car, I'm like, okay, I left my ring in there. We're going to turn the bus around, come back. They're like, there's no ring in there, and I knew it was in there. So I called my jeweler and I said, listen, my ring is gone. And it was itemized and it wasn't a lot. I mean it was like eight thousand dollars and she's like, you already itemize this, Well, we'll replace it because it was a beautiful ring. So those type of things can be done. And she could have maybe done cubic zirconia. She could have done you know, who knows, But there's lab mind diamonds now wherech don't cost a lot to redo. I don't know the story there, but you can have another ring made that looks like the other one, if that, in fact was stolen. So I don't know. It's the whole forty two items or whatever the number was like itemized. That's crazy. That's a lot of freaking jewelry, and that premium was high because if you itemized all those things. I mean, I've got a Rolics watch and a Cardier watch and they're in my safe, and two of the watches are itemized, and my other Michael Cores is not. It's like I only itemized stuff that would be difficult to replace. But if they're if they're in my house, they're in my safe. So I don't know where she had all these forty two items at. Did they break into her safe? I don't know. Whole thing smells very fishy.

00:27:37
Speaker 1: You are obviously you know, like I said, you've been in insurance.

00:27:40
Speaker 2: You don't work in plants, but but you work in Obviously it's like a policy for people. But as somebody who works within this business, when you first read this story, you're you and you read what happened was been alleged. You immediately felt like, what like this was a open and shut pace.

00:27:58
Speaker 1: So you feel like maybe they did not have the intention.

00:28:02
Speaker 2: Maybe maybe they just didn't know that you don't double different insurance.

00:28:06
Speaker 4: I go bullshit. I mean, if you're making a claim for that many items, you knew something was going to happen eventually because you want to get collected on it. I mean, most people don't have forty two items that they itemize, Like I said, I have a Michael Course watch and ever Relics watch. I don't itemize my Michael Course. I mean how many diamonds and quality watches and things like that that they have That that's a lot. So I don't know, it just sounds very icky. I don't like it.

00:28:37
Speaker 2: So I want to talk to you about that because you know, there are people Biggie that are saying, look, let's say this is true.

00:28:47
Speaker 1: Those selfles did not murder anybody. They didn't steal from you, they didn't rob you. What does it matter to you? It doesn't affect you personally.

00:28:57
Speaker 2: As an assurance CEO of Culture and Stare who's been in the business for thirty four years, what did you have to say to that does this impact the average of America?

00:29:08
Speaker 4: Yes, it does because if an insurance company has to come out three four, five hundred thousand dollars, that is coming out of a bucket of reserves to pay out. And now what causes that reserve to be depleted by a half a million dollars? And that goes back into the insurance policy holders, and now our premiums are going up to supplement that claim. So it's tough, you know, it's just I go back to La Fires, all those people that had their homes insured. What happened us in Orange County, California, one hour south. Our premiums have increased because we've got to pay all the millions and millions and millions of dollars in claims going out. So it does affect us, it does.

00:29:54
Speaker 2: I've heard that when insurance companies investigate possible bowl malice intent where someone files for a claim that may not be accurate, that ultimately they want their money back, that the insurance companies want their money back in this particular case, do you think that ultimately that's what they want or do you think based.

00:30:21
Speaker 1: On the high value amount that it.

00:30:25
Speaker 2: Is going so far as it has because jail time is what the prosecuted they seeking in addition to paying back.

00:30:32
Speaker 4: And Sally, I mean, they can put a lien on their house for restitution, but it they can Bigie Well, I would think, so, yeah, they can go to lean in their homes. Absolutely, they're going to get their money back some way, somehow. Obviously these people already spend their money. They're living beyond their means. So as a prosecutor, if you steal from something or somebody, you can have your property seized and leaned to get the restitution. Because I doubt she has the money still sitting in savings account. They blew it, my guess. And I also think it sets an example for those of you out there thinking, oh, I'm going to get away with this. You're not going to get away with it most of the time. And maybe there's some little slide two or three thousand dollars claims you get away with no. But when I lost my ring in Bali, I lost my ring in Bali. It was an hotel. Hotel didn't cover it. I had to make a claim on my insurance. I had a new ring made by my jeweler exactly the way the other one. So that's it. I mean, when you do have a claim, insurance company should be there for it. But now forty two items, well I do what I do.

00:31:44
Speaker 2: Crazy VICKI composit back. I do want to ask me this is it immediately suspicious when someone said, okay, my house will brugm Ris and I camy over forty two items?

00:32:02
Speaker 1: Yeah, bullshit, that's not that's.

00:32:06
Speaker 4: There's no cameras, there's no footage. There's all of a sudden the cameras were covered. Yeah, bullshit. As I told you, I just bought this house here with this pretty view out here in Lakinita and we are on the golf course, and that's good and bad. So anybody can come into this house. Well don't even think about it, all you bad people out there. Anybody can come in the house and hurt me or burglarize me. But guess what today, security is coming, getting cameras all over the golf course, all around the perimeters of the house, in an alarm system, because I don't want bad people entering my life. And if somebody entered their home and they have that much jewelry, chances are they had cameras and a security system and all of that where is it.

00:33:00
Speaker 1: I don't like it. You don't like it, well, look a lot of people don't like it. And look what advice, Nicky.

00:33:06
Speaker 2: Do you have or your real housewife's sisters and solidarity when it comes to the pressures of trying to keep up with the Joneses or maybe or maybe not understanding the law or insurance. And because there's a lot of allegations of people faking burglaries across the franchises, what well, what's our ice for these women to not get caught up?

00:33:29
Speaker 4: I have such great advice, So are you sitting down? I think it's humbling to the viewers and audience that somebody may not be as affluent as somebody else. You know, when I started the show, I'm from the Midwest. I was working in my home office. I had Laurie working for me and Duff, and it was very clear I have to work. I mean, my husband made decent money working for home Depot as an executive, but in order to live in California and put my kids to private schools, I had to work. And we bought a house out at the river. So I think it was humbling for not only me to be around other women that didn't work. They were very affluent or they acted that way and for the viewers to go, okay, she works. Like even these girls I met last night, they're like, You're the reason why I've maintained my inde independence because twenty years ago it was okay to work while you're married and while you're raising children. I think when you live beyond your means or you're showcasing something that's not real, it's annoying. And it's annoying for me because I was filming with people like that. It's like, what are you doing? You got fifty thousand on your credit card and you look cute, but who cares. You can't afford what you're wearing. You can't afford what you're driving. So I say this, live within your means, save twenty percent of your salaries. Make sure you have life insurance on the breadwinner if you're the breadwinner. I got a ton of life insurance on me if I broke tomorrow. Please God don't crook me to where I'm very busy day tomorrow after it was coming. But I think that when you live within your means, it's humbling that most of the people in the world or even the United States are overextended. They can't afford a two thousand dollars outfit or of ten thousand dollars perse. So when we show the world that we are like them, it's better than showing something that we're not. I mean, I'm the big believer that you live within your means, you pay your taxes, you save, you get life insurance on the breadwinner. Oh by the way, Coto insurance dot com. And then you know, we just we just be responsible people. You know.

00:35:39
Speaker 1: Yeah, no, that that's good advice. One last question about the insurance part of it.

00:35:45
Speaker 2: What takes to happen after these types of insurance for all crimes? Happy do is it likely that the insurance companies keep them honest clients or no eld they're dropped?

00:36:02
Speaker 4: I mean, no insurance company is going to keep somebody on that fraudulently made a claim against them. They're going to have difficult time getting insurance anywhere anywhere. It's a big red flag with a big circle with the line through it, like no nope, closure man.

00:36:20
Speaker 6: Okay, if you were robbed or you were hurt by somebody, and then then they went back and said okay, well sorry, like I'll restitute pay for it, but I still want to be your friend. The answer is no, you're not my friend if you could steal from me. Same with an insurance company. We're not friends with them. But a character of who you are goes throughout your lifetime.

00:36:47
Speaker 1: Right yeah, yeah.

00:36:49
Speaker 7: And the thing is that even even if they're not convicted, the accusation of insurance fraud would still be something that may be hard from the beginning.

00:37:00
Speaker 1: Insurance in the future, right, cor yeah, yeah, yeah.

00:37:04
Speaker 4: It wanks like a duck, it's a duck. You know. If it quacks like a duck, it's a duck. That smells. If it quacks like a duck, it's a duck.

00:37:10
Speaker 1: Right, that's not that's not a thing though. But listen my last how does it go?

00:37:18
Speaker 3: Oh?

00:37:19
Speaker 1: Well, no, if it no, If it quacks like a duck, it.

00:37:23
Speaker 4: Is a duck, right. Or if it wattles like a duck, it's a duck. I don't know. If it's a duck, it's a duck.

00:37:31
Speaker 1: If it quacks like a duck a duck.

00:37:33
Speaker 2: If it walks like a dutch, looks like a duck, it quaests like a duck, there is probably a duck.

00:37:38
Speaker 4: Duck. There you go. Yeah, I'm go the next question.

00:37:44
Speaker 2: My last question for you is this Vicky Gollison, because I want to make sure Spectrum.

00:37:49
Speaker 1: Delivers your service. But look, when it comes to.

00:37:54
Speaker 2: The prosecution of the insurance fraud, is it up to the insurance companies to dictate with the prosecution if they want to.

00:38:09
Speaker 1: Fully extent the law to prison time? Do they do? The insurance companies have a say in what they want whether if.

00:38:16
Speaker 2: Give some money back they can they can you guys can do what you want to or do insurance companies have a say and say.

00:38:24
Speaker 1: No, we want them to be in prison.

00:38:28
Speaker 4: I don't know the answer to that. I would assume that they would have some say so, but I don't know. I don't want to misspeak. That's a claims issue. I'm on the other end. I write the policies and a lot of them. So people are coming to us because we do ethical business. And by the way, if you are an agent and you know that client is putting forty two items down, you kind of me as an agent and I would kind of say, you know, I guess the all forty two items. I want to know you know where it's being held. It in a safe is it at a bank? Like? Where where are these items at? Because I, as the insurance agent, is responsible for disclosing all of this to the insurance company, you know, and that's that's a big deal. There's insurance brought on a lot of things. Health insurance, life insurance, property and casualty, you know a lot of things. And I have never had an insurance company say, Vicky, we're taking away your positions with these insurance companies because you're writing bad business. So if I write bad business and there's a lot of claims, they're going to pull my contracts. So I got to write a clean business and disclose everything, and then the insurance company can can can decide to ensure it or not. For instance, let's say you're my client with life insurance. We do a ton of life insurance, and you say, you know what, Vick, I think I have cancer, but I haven't been diagnosed yet. There's just a lot going on with my health. I haven't gone to the doctor. I as the agent, I have to disclose Carlos sustaining he's not feeling well, he thinks he has cancer. I know there's no record of it. I have to disclose that, and the insurance company then can require a scan or what have you, because they want to know that what they're getting into. Right, So when you do a reputable practice like mine, the underwriters love me because I'm disclosing everything and then they can decide what to do with it. So whoever wrote those policies up, they should have asked other questions, do you have other insurance and force for this? You're you can't ensure two companies for the same item, so I look at the insurance agent, whoever you are. You should have asked more questions to make sure that you're not ensuring one item twice.

00:40:45
Speaker 2: You know, Yeah, yeah, yeah, No, it's tough.

00:40:49
Speaker 1: It's tough. It's tough. Wellie, listen, I can't thank you enough to take time of your busy schedule.

00:40:54
Speaker 4: You are and target right now and lows and and gets some mops and broom and lots of stuff to do here. So Black thank you.

00:41:04
Speaker 2: But before you do all of that and run your Erran's sister, let everyone know how they can find you in case they want to hire call self insurance for the life insurance policy and everything else.

00:41:15
Speaker 4: Yep, So we're going to go to Kotocoto Insurance dot Com and put in your information and either Michael or myself get right back to you. Look at the split. So and if you're under the age of sixty, get this one. You can possibly get a policy with no medical exam as long as you answer these questions no no, no, no no, and be honest. We'll order your MB Medical Information Bureau see if you're lying. And we've been able to get policies issued in twenty four hours, so we've got a great system, all online. You don't have to see me, but ken if you want, We're like every day and press hard. Three copies is out now it's all digital.

00:41:56
Speaker 1: Wait, I want to make sure I heard this right. You are a licensed in every state, yep, yep.

00:42:01
Speaker 4: And I'm a broker, so we represent every insurance company. It's been working very hard and the ces and all that you know certified in every state, so it's good.

00:42:19
Speaker 1: Well listen, I'm still happy for you.

00:42:22
Speaker 2: And as I will end this conversation, I want to say I need you back on my TV screen, so I want to make sure that Bravo calls you.

00:42:33
Speaker 1: I need you back to twenty It only makes sense. You are the O G the O C.

00:42:38
Speaker 2: You're the Mount Rushmore of the Real Housewives and you have built this franchise on your back and.

00:42:45
Speaker 4: I my crowd is crooked, but but.

00:42:48
Speaker 2: I tilted back in censor and Vickie seriously, thank you for your service.

00:42:55
Speaker 4: We okay, welcome you have a good day.

00:42:57
Speaker 1: It's good to talk to you, good to talk for you. And I'll for your gain, okay.

00:43:00
Speaker 4: Baby by.

00:43:04
Speaker 2: Reality with the King is executive produced by me Carlos King, produced by Lizzie Nimitz.

00:43:11
Speaker 1: And a partnership with the Lack Effect Network.

00:43:15
Speaker 2: You can also find us on my YouTube channel at the Carlos King Underscore