Ready to unlock the secrets to a fulfilling remote work lifestyle? Join us for an inspiring conversation with Andrew Jernigan, the visionary founder of Insured Nomads. Andrew shares his incredible journey from a traditional desk job to embracing the digital nomad lifestyle. Discover how love, flexibility, and a desire to support his family motivated Andrew to sell his Mercedes in 2000 and embark on a global adventure. Learn why remote work flexibility is crucial for employee satisfaction and how loving your work can boost productivity.
In this episode, Andrew delves into the often-overlooked aspect of remote work: comprehensive risk management and insurance. Listen as he explains his motivation for establishing a global broker network and affiliate marketing platform to safeguard remote workers. Amid the pandemic, traditional travel insurance fell short, making global health policies essential for long-term travelers. Andrew also shares his commitment to social impact through supporting the nonprofit Not For Sale, emphasizing the critical need for proper health coverage when living or working overseas.
The discussion extends beyond insurance to the unique challenges faced by remote workers and their families in building community and maintaining stability. Andrew’s personal anecdotes highlight the importance of planning, authenticity, and community in overcoming these hurdles. We conclude with heartfelt gratitude to Andrew for his valuable insights and for shedding light on the future of Insured Nomads. Don’t miss this episode packed with practical advice and inspiring stories for anyone navigating the remote work lifestyle.
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Remote Work Flexibility and Insurance Solutions
Speaker 1
0:02
Hello
everybody
,
this
is
Alex
from
the
Remote
Work
Life
podcast
.
I
want
to
thank
you
for
joining
me
.
I
have
a
special
guest
with
me
today
,
andrew
Jernigan
,
and
he
is
the
founder
of
Insured
Nomads
,
and
I've
been
speaking
to
Andrew
for
a
few
months
now
.
We
connected
via
Facebook
,
which
is
the
beauty
of
social
media
and
remote
work
as
having
remote
work
and
digital
nomad
lifestyle
in
common
,
and
I
was
intrigued
by
Andrew
and
the
fact
that
he
has
a
really
,
I
suppose
,
necessary
business
that
he
runs
on
a
remote
basis
as
he
travels
or
has
traveled
with
his
family
.
So
,
andrew
,
I
want
to
thank
you
for
joining
the
podcast
,
for
joining
the
remote
podcast
.
Speaker 2
0:58
Thank
you
,
it's
a
pleasure
to
be
with
you
.
Speaker 1
1:00
Excellent
,
and
as
I
always
do
,
as
I
usually
do
,
um
,
I
start
by
asking
what
,
what
brought
you
here
,
what
brought
you
to
and
embracing
this
uh
,
this
uh
lifestyle
as
a
,
as
a
digital
nomad
,
as
a
remote
worker
.
How
did
you
get
here
?
Speaker 2
1:20
I
guess
one
of
the
main
reasons
was
love
.
In
2000
,
I
resigned
from
my
desk
job
,
sold
my
Mercedes
and
decided
to
work
remotely
,
traveled
to
several
countries
and
in
the
process
began
a
relationship
with
someone
from
another
country
other
than
my
own
and
decided
to
relocate
there
.
So
I
got
started
earning
via
outsourcing
services
and
settled
in
Brazil
for
quite
some
a
couple
of
years
and
continued
that
working
remotely
.
Over
the
years
I've
kept
going
from
the
UK
,
us
,
thailand
,
ghana
,
south
Africa
,
brazil
,
us
Thailand
,
ghana
,
south
Africa
,
brazil
,
mozambique
and
elsewhere
.
And
really
remote
is
the
way
forward
for
me
.
I've
had
corporate
jobs
where
I've
said
you
know
,
nope
,
I'm
willing
to
join
you
but
I'll
be
remote
.
And
they've
accepted
that
you
know
,
not
knowing
most
of
the
executives
that
I
was
working
alongside
on
conference
calls
and
Zoom
calls
etc
.
Speaker 2
2:25
And
even
now
,
after
20
years
of
working
remotely
20
years
,
yes
,
it
was
2000
when
I
started
this
remote
work
journey
,
and
not
just
remote
work
,
but
remote
work
around
the
world
.
So
that
was
before
it
was
called
a
digital
nomad
.
And
of
course
,
being
a
digital
nomad
just
means
you
have
the
freedom
to
do
it
.
You
can
work
from
home
and
still
be
a
digital
nomad
.
That
doesn't
necessarily
mean
you're
traveling
.
So
location
independence
,
so
many
different
names
for
it
.
In
this
industry
,
I
mean
this
segment
.
Speaker 1
3:03
And
that
was
what
I
guess
.
I
suppose
a
lot
of
people
,
when
they
start
out
,
they
have
that
idea
of
wanting
to
have
flexibility
in
their
work
or
flexibility
in
their
life
.
Was
that
a
big
,
a
big
driver
for
you
then
?
Speaker 2
3:21
Absolutely
.
It's
been
flexible
for
various
reasons
through
time
,
whether
it's
due
to
my
wife's
travels
with
her
job
,
because
she
has
a
global
role
.
So
at
times
I've
needed
to
work
remotely
so
I
could
take
care
of
the
kids
.
If
there's
a
teacher
meeting
or
if
I
have
to
pick
them
up
One
season
,
it
was
because
my
parents
,
my
aging
parents
so
it
may
not
be
just
because
we
want
to
travel
aging
parents
so
it
may
not
be
just
because
we
want
to
travel
.
Working
remotely
is
essential
for
various
reasons
for
flexibility
in
this
current
day
.
So
as
we
create
companies
,
as
we
are
in
management
of
companies
,
we
need
to
be
as
flexible
as
we
can
with
teams
.
They
may
not
be
telling
you
the
reason
why
they're
working
remotely
or
why
they're
required
for
it
,
and
really
it's
one
of
those
things
where
we
shouldn't
have
to
ask
now
of
why
are
you
working
from
X
location
?
It
should
be
almost
one
of
those
things
of
protective
information
by
HR
.
Speaker 1
4:20
No
,
I
can
see
that
and
I
agree
because
really
,
what
we
should
be
doing
is
enabling
people
to
work
in
situations
that
suit
them
.
Obviously
,
if
they're
able
to
work
at
their
optimum
level
and
their
outputs
are
what's
I
heard
you
hear
this
all
the
time
you
know
where
they
work
shouldn't
really
have
an
impact
as
long
as
it
doesn't
impact
the
business
and
people
around
them
.
So
it
shouldn't
necessarily
.
I
agree
.
Speaker 2
4:53
It
shouldn't
necessarily
be
a
question
,
so
right
our
other
our
question
really
shouldn't
be
whether
someone
could
work
remotely
,
but
are
we
going
to
allow
them
enough
freedom
to
not
work
too
much
remotely
?
Because
the
the
flip
side
of
it
is
is
that
our
team
members
will
put
in
more
hours
per
day
just
if
they're
enjoying
their
work
or
if
they
have
too
much
to
do
.
We've
got
to
encourage
them
to
have
a
life
other
than
their
work
.
Speaker 1
5:28
Yeah
,
and
again
,
I
agree
on
that
because
the
tendency
is
well
for
a
lot
of
people
.
I
think
productivity
is
a
big
challenge
and
you
know
,
if
you
hire
somebody
in
your
company
who
is
good
at
what
they
do
and
you
you
know
you
want
them
to
work
remotely
,
the
challenge
is
not
necessarily
whether
they're
going
to
do
the
job
,
is
that
.
The
challenge
is
,
like
you
said
,
is
almost
having
them
not
overwork
.
You
know
,
having
them
sort
of
have
that
to
strike
a
balance
,
because
from
for
me
personally
,
when
I
first
started
,
I
didn't
get
the
balance
right
at
all
.
I
I
overworked
.
Um
,
what
you
often
find
is
when
you
work
remotely
is
you
can
do
more
.
For
me
personally
,
you
can
do
more
than
you
would
if
you
were
to
work
in
more
of
a
I
suppose
,
a
co-located
situation
.
Speaker 1
6:23
I
don't
know
if
you
found
that
yourself
,
Andrew
absolutely
,
especially
when
you
love
your
work
and
that's
key
because
,
again
,
if
you've
got
all
,
if
you're
hiring
somebody
and
you
know
that
they're
a
good
match
for
your
business
because
they
love
what
you
do
,
then
they're
a
good
match
in
terms
of
they
,
they
love
what
they
do
,
in
terms
of
the
work
.
You
literally
you've
got
the
all
the
ingredients
for
somebody
who
you
could
just
say
,
okay
,
do
what
you
do
,
go
ahead
and
do
it
.
Give
them
that
trust
,
give
them
that
flexibility
,
give
them
that
leeway
to
to
do
what
they
do
.
So
,
yes
,
but
anyway
,
I
mean
,
andrew
,
I
want
you
to
tell
us
more
about
um
insured
nomads
before
we
go
any
further
,
because
it's
one
of
those
things
.
Again
,
when
I
,
when
I
first
started
working
remotely
,
you
,
you
don't
insurance
is
not
one
of
the
first
things
you
think
about
um
,
and
it's
so
important
because
there's
so
many
,
so
much
more
responsibility
on
your
shoulders
than
before
.
Speaker 2
7:26
So
tell
us
about
Insured
Nomads
,
yes
,
it's
a
response
to
a
change
in
the
industry
actually
,
as
we
have
a
gig
workforce
where
people
are
working
for
Upwork
,
they're
working
for
their
freelancing
or
they're
telling
their
company
they
want
to
work
remotely
financing
,
or
they're
telling
their
company
they
want
to
work
remotely
.
A
lot
of
times
the
personnel
department
,
the
HR
,
is
not
putting
them
on
a
global
plan
,
they're
not
putting
them
on
the
standard
health
plan
,
so
you
have
to
go
out
and
find
your
own
.
So
Insured
Nomads
has
stepped
in
due
to
a
gap
in
this
industry
and
we
serve
the
location
independent
,
the
remote
workers
,
with
high-level
benefit
products
,
providing
great
service
and
really
at
much
more
reasonable
prices
than
has
been
available
out
there
.
Speaker 2
8:15
Going
back
in
time
,
I
recall
when
we
relocated
from
the
US
to
an
African
country
,
I
could
not
get
term
life
insurance
.
So
I
live
there
,
you
know
,
going
malaria
over
and
over
other
things
,
flipping
our
SUV
,
et
cetera
,
without
life
insurance
for
my
wife
and
kids
.
We've
made
it
where
that's
possible
for
cross-border
term
life
insurance
.
We
have
great
global
medical
insurance
for
when
you
have
trips
.
Travel
insurance
Remote
workers
shouldn't
be
on
travel
insurance
if
they're
spending
most
of
the
year
abroad
.
Just
a
side
note
Disability
insurance
for
those
who
are
living
outside
their
passport
country
,
Things
like
that
.
We
started
it
because
there's
a
need
for
better
.
There's
not
a
need
for
another
insurance
company
.
There's
a
need
for
better
.
Speaker 1
9:13
And
what
do
you
do
better
?
I
mean
,
you
mentioned
a
few
things
that
potentially
are
different
there
.
What
do
you
do
better
than
the
others
?
Speaker 2
9:22
One
our
claim
service
.
One
our
claim
service
.
The
providers
that
we've
partnered
with
for
administration
and
assistance
are
phenomenal
.
Their
service
levels
,
their
response
time
is
really
good
.
We
utilize
all
the
chat
forms
practically
that
are
in
use
right
now
,
from
to
Telegram
to
Messenger
,
and
even
Discord
for
you
gamers
out
there
.
So
we
are
here
for
you
to
walk
you
through
the
purchase
,
through
assistance
all
throughout
it
,
and
usually
you're
having
to
piece
together
things
going
from
one
company
to
another
in
the
international
product
space
.
So
we're
putting
it
all
in
one
spot
to
where
you
can
get
what
you
need
,
without
going
from
one
company
for
this
,
one
company
for
that
,
with
global
service
numbers
.
Speaker 1
10:27
No
,
I
mean
,
it's
always
good
to
have
things
all
under
one
roof
,
isn't
it
?
Rather
than
having
to
trawl
the
internet
and
do
all
your
research
and
try
and
like
budge
things
together
to
make
sure
that
you've
got
everything
in
place
.
The
last
thing
you
want
to
,
when
you're
sitting
there
with
your
,
your
mac
or
your
,
I
don't
know
you're
on
your
phone
,
you
have
some
sort
of
mishap
or
something
,
that
the
last
thing
you
want
to
be
doing
is
going
on
back
over
your
notes
and
having
to
go
here
and
there
and
everywhere
,
and
you
know
you
want
everything
in
one
,
in
one
place
,
don't
you
?
Speaker 1
11:01
yes
absolutely
so
.
What
?
What
brought
you
to
the
um
,
to
the
insurance
space
?
What
?
Why
did
you
choose
that
as
as
your
,
as
your
routine
,
and
how
?
Tell
us
a
bit
more
about
I
get
,
I
get
,
I
guess
,
the
,
I
don't
know
,
the
,
the
,
the
process
,
not
the
process
,
the
actual
journey
that
you
took
to
becoming
,
you
know
,
heading
up
,
insured
Nomads
?
Speaker 2
11:29
Well
,
I
was
in
healthcare
administration
in
the
US
.
I
ended
up
marrying
a
doctor
who
became
a
travel
med
doc
,
global
health
doc
.
She's
actually
one
of
our
founders
and
is
working
extremely
much
.
With
the
current
pandemic
that
we're
going
through
,
our
volume
has
picked
up
significantly
with
this
as
well
.
Global Health Insurance for Remote Workers
Speaker 2
11:50
But
really
getting
into
risk
management
is
just
because
I
care
,
seeing
way
too
many
people
look
at
insurance
and
say
I
can't
afford
it
,
or
buying
something
they
didn't
need
or
less
than
they
needed
and
not
not
having
the
um
,
the
educated
brokers
,
intermediaries
to
share
with
them
how
to
do
it
.
Speaker 2
12:18
So
this
process
of
building
a
broker
network
,
the
intermediate
network
around
the
world
,
building
the
affiliate
marketing
platform
so
that
everyone
can
monetize
and
sell
our
products
,
it's
quite
a
journey
,
but
it's
not
because
of
of
insurance
,
it's
about
protecting
people
.
I
see
myself
as
the
knight
with
a
shield
and
a
sword
to
make
sure
that
you're
protected
.
So
that's
the
why
.
Also
because
where
we
started
out
from
the
beginning
,
one
of
our
co-founders
is
actually
all
of
our
co-founders
are
fully
just
social
impact
based
.
We're
looking
to
fund
significantly
the
work
of
Not
For
Sale
,
which
is
a
global
nonprofit
that
works
in
human
trafficking
,
the
protection
and
provision
for
those
still
in
the
plight
to
get
out
of
human
trafficking
those
that
are
,
whether
it
is
commercial
labor
or
various
aspects
,
from
quarries
in
children
working
in
quarries
to
those
working
in
clothing
stores
,
to
the
sex
trade
.
So
we're
working
to
fund
that
significantly
.
Speaker 1
13:38
No
,
I
think
those
are
all
worthwhile
reasons
why
,
I
think
,
yeah
,
it's
one
of
those
things
,
isn't
it
?
Where
you've
got
you
only
know
what
you
know
.
I
guess
don't
you
when
it
comes
to
when
you
decide
to
pack
your
bags
and
go
traveling
,
it's
always
good
to
have
that
peace
of
mind
that
insurance
that
you
take
out
is
going
to
cover
you
,
and
it's
even
more
reassuring
that
if
the
person
who
heads
up
the
business
that
is
going
to
give
you
that
coverage
has
your
best
interests
at
heart
,
it
sounds
like
Insured
Nomads
does
.
So
I
love
that
.
I
really
like
that
,
and
not
only
just
your
customers
,
but
also
,
like
I
said
,
the
human
trafficking
.
I
always
love
when
there's
a
different
element
to
business
that's
trying
to
do
better
,
not
just
for
the
business
but
for
people
in
general
.
So
that's
great
.
I
love
that
.
Andrew
,
you
mentioned
the
pandemic
at
the
moment
and
the
fact
that
your
numbers
are
.
Your
numbers
are
going
up
.
Do
you
think
that's
directly
related
to
what's
going
on
with
with
the
coronavirus
?
Speaker 2
14:51
Absolutely
.
You
know
there's
in
the
remote
work
field
.
Many
people
decide
to
work
outside
their
passport
country
and
for
some
reason
it's
been
promoted
that
you
should
get
travel
insurance
when
you're
doing
that
,
even
though
they
plan
on
living
for
a
year
or
three
years
outside
their
passport
country
.
Travel
insurance
is
for
a
trip
,
not
for
a
lifestyle
.
And
so
right
now
people
are
finding
that
their
travel
insurance
is
void
,
or
if
they
were
to
get
infected
,
it
would
be
excluded
the
next
time
they
buy
travel
insurance
because
it's
a
pre-existing
condition
.
So
right
now
people
are
turning
to
us
because
our
Nomad
Health
Insurance
plans
have
no
exclusions
for
coronavirus
and
that's
nomadhealthinsurancecouk
,
or
you
could
just
go
to
insurednomadscom
.
Speaker 2
15:48
But
right
now
people
are
realizing
okay
,
I
traveled
and
I
don't
have
insurance
at
all
,
so
I
need
to
purchase
.
Or
I
traveled
and
now
my
insurance
is
void
,
or
it
will
be
soon
,
as
soon
as
the
country
I'm
in
is
declared
a
do
not
travel
zone
by
the
British
government
,
the
US
government
,
etc
.
And
at
that
point
they
either
have
to
get
out
and
if
there
are
no
flights
,
you're
stuck
and
your
interest
has
been
voided
.
So
sure
,
there
are
travel
policies
that
aren't
being
voided
,
but
still
it's
travel
policy
.
So
if
you
get
sick
.
The
next
travel
policy
you
have
will
exclude
anything
that
is
a
pre-existing
condition
,
such
as
a
pre-existing
infection
like
this
wow
,
I
mean
,
wow
,
I
mean
.
Speaker 1
16:38
It
makes
you
wonder
,
then
,
why
is
there
not
more
information
readily
and
freely
available
about
this
?
Why
does
it
take
?
Can
I
address
that
really
quick
.
Speaker 2
16:50
Yeah
,
please
.
One
insurance
is
complex
and
people
are
pinching
pennies
so
they
buy
the
cheapest
cover
they
can
for
their
trip
,
because
they
don't
want
to
read
through
the
fine
of
well
,
I'm
traveling
,
so
I
get
travel
insurance
right
,
Versus
paying
10
times
more
for
a
global
health
policy
.
But
if
you're
diagnosed
with
a
disease
while
you're
traveling
for
a
year
,
you
should
have
had
a
global
health
policy
.
Yeah
,
it's
basically
the
money
.
People
don't
understand
this
and
they
pay
for
something
cheap
.
Speaker 1
17:29
I
guess
that
that
kind
of
it
kind
of
reveals
a
I
suppose
a
I
mean
you
,
you're
covering
a
gap
in
terms
of
providing
the
insurance
,
but
when
,
I
guess
,
when
you're
thinking
about
becoming
a
nomad
or
remote
worker
or
moving
just
,
you
know
,
not
necessarily
being
nomadic
but
just
moving
somewhere
else
and
going
to
work
,
it
goes
to
show
that
,
I
suppose
,
at
the
top
of
mind
is
not
,
which
I
suppose
is
,
I
guess
,
understandable
At
the
top
of
mind
you
don't
think
okay
,
what
happens
if
I
get
sick
?
Speaker 1
18:07
I
mean
,
you
don't
really
think
about
those
things
.
I
suppose
when
you're
in
that
situation
where
you
want
to
just
get
up
and
go
,
you're
thinking
about
,
you
know
where
are
you
going
to
stay
and
who
are
you
going
to
be
with
and
the
equipment
that
you're
going
to
take
,
and
you
may
,
you
may
insure
the
equipment
,
but
you
don't
think
necessarily
about
how
your
,
how
those
things
are
going
to
get
covered
,
outside
of
the
one
thing
I
just
mentioned
.
And
I
suppose
it
rests
on
,
I
suppose
,
if
you
are
going
to
be
doing
that
,
it
rests
on
your
shoulders
to
have
that
understanding
and
do
the
research
,
and
I
think
Andrew's
solution
can
help
with
that
.
You
know
,
make
sure
you've
got
all
bases
covered
.
Building Community in Remote Work
Speaker 2
18:50
Group
plans
with
us
start
at
two
people
.
So
if
it's
a
small
business
,
all
the
way
to
a
major
corporation
or
charitable
organization
,
educational
organization
,
so
this
is
not
just
for
individuals
and
families
but
for
business
entities
,
for
discounting
,
for
group
rates
and
underwriting
.
But
you
know
,
insurance
gets
complex
and
it's
one
of
those
things
that
,
okay
,
let's
people
blank
out
.
Now
it's
like
,
okay
,
change
subjects
,
you've
gotten
too
deep
.
But
it's
one
of
the
things
we
have
to
overcome
in
protecting
people
.
Speaker 1
19:31
Stop
long
enough
to
understand
what
you're
purchasing
rather
than
just
look
at
the
price
and
the
perceived
features
and
make
a
proper
plan
as
well
when
you're
thinking
about
going
,
rather
than
just
look
at
the
price
and
the
perceived
features
,
and
make
a
proper
plan
as
well
when
you're
thinking
about
going
elsewhere
,
to
a
different
country
.
Plan
everything
.
I
mean
,
I
know
a
lot
of
people
have
a
tendency
just
to
get
up
and
go
.
I
don't
know
.
I
know
people
,
I
know
friends
,
I
know
family
,
who
are
of
that
,
have
that
sort
of
um
nature
where
they
just
think
you
know
,
I'm
here
now
,
let's
just
take
,
let's
just
take
everything
go
traveling
or
go
,
go
and
work
.
But
I
think
you've
got
to
be
a
bit
more
,
a
bit
more
shrewd
than
that
Um
,
especially
in
the
times
that
we're
living
in
now
.
You've
got
,
you
have
to
have
a
contingency
plan
.
You
have
to
have
a
safety
net
.
You
have
to
have
a
safety
net
.
Speaker 2
20:20
you
have
to
,
you
know
,
just
have
things
in
place
to
to
make
sure
that
when
you
get
to
your
destination
,
all
you
can
,
all
you
have
to
think
about
,
is
the
day-to-day
things
like
work
and
living
and
having
fun
,
right
,
you
know
yeah
,
I
was
think
when
you're
saying
that
,
it
reminded
me
I
was
one
of
our
clients
,
one
of
our
insurers
,
healthy
,
in
his
mid-20s
,
going
off
to
an
African
country
,
and
it's
like
you
know
,
I
really
don't
need
insurance
but
I
guess
I
should
get
it
.
He
had
a
$500
excess
,
perfectly
healthy
,
you
know
,
just
covered
,
I
think
,
worldwide
excluding
North
America
.
Just
covered
,
I
think
,
worldwide
excluding
North
America
.
And
so
it
was
so
inexpensive
because
of
his
age
.
Sure
,
it
was
maybe
$200
more
than
travel
insurance
,
but
this
was
a
global
plan
.
Speaker 2
21:11
He
went
to
visit
a
family
member
during
his
year
policy
in
Chiang
Mai
,
went
to
the
hospital
with
a
headache
and
they
determined
he
had
a
brain
tumor
.
Oh
my
gosh
,
for
Bangkok
couldn't
fly
anywhere
.
So
for
his
,
his
policy
was
close
to
$1,000
for
the
year
.
He
had
a
500
excess
and
he
had
brain
surgery
removed
a
tumor
,
had
brain
surgery
removed
a
tumor
.
He
got
back
,
went
to
Johns
Hopkins
for
a
review
,
said
excellent
surgery
,
everything
is
great
,
he's
still
a
client
,
now
married
,
he's
given
the
raving
review
,
etc
.
But
it's
that
thing
where
he
didn't
think
he
needed
insurance
but
he
thought
you
know
,
I'll
do
it
,
I'll
go
ahead
and
do
it
.
And
now
you
know
I'll
do
it
,
I'll
go
ahead
and
do
it
.
And
now
you
know
,
of
course
,
married
,
his
wife
has
an
,
etc
.
Has
coverage
,
and
you
know
this
is
years
,
years
later
,
but
it's
so
much
fun
to
make
sure
that
people
are
protected
.
Speaker 1
22:10
No
one
will
use
it
and
the
average
person
doesn't
no
,
yeah
,
well
,
yeah
,
protect
yourself
with
the
,
with
the
thought
,
that
thought
that
I'm
not
going
to
use
it
.
Put
that
in
place
and
then
put
it
to
the
back
of
your
mind
,
right
and
for
you
.
I
mean
,
you've
talked
a
lot
about
insurance
Personally
,
from
your
point
of
view
,
andrew
.
You're
an
experienced
remote
worker
.
20
years
behind
you
,
you've
done
travelling
to
different
continents
,
continents
.
That
all
sounds
great
to
me
and
it
all
looks
great
,
so
you
have
a
lot
of
um
knowledge
to
to
sort
of
to
be
able
to
share
with
people
on
some
of
the
challenges
that
you've
had
to
overcome
as
well
,
in
terms
of
maintaining
not
just
your
business
,
but
you've
got
a
family
,
you've
got
three
children
.
What
have
been
the
biggest
challenges
that
you've
had
to
overcome
?
Speaker 2
23:02
since
our
remote
work
experience
has
taken
us
to
many
different
countries
.
One
of
the
biggest
challenges
is
,
of
course
,
raising
kids
in
this
lifestyle
,
education
,
making
sure
they're
having
community
,
which
is
a
factor
with
remote
work
anyway
,
is
having
community
because
you
don't
have
the
office
tribe
to
go
to
lunch
with
and
to
go
go
to
grab
a
coffee
etc
.
So
that's
,
whether
you're
working
remotely
in
your
hometown
or
you're
working
remotely
in
Rio
de
Janeiro
,
as
I
am
today
,
it's
building
the
tribe
.
And
when
you
do
that
as
a
family
it's
even
more
challenging
Because
my
daughter
yesterday
was
with
a
friend
who
has
lived
in
,
just
moved
here
from
,
I
believe
,
dominican
Republic
and
before
that
was
in
Angola
and
is
planning
on
moving
to
Canada
next
year
.
Her
other
best
friend
is
from
Sweden
and
here
we
are
.
She's
American
but
living
in
Brazil
.
So
sure
that's
a
challenge
is
being
unique
.
Speaker 2
24:22
And
as
a
good
friend
of
mine
wrote
a
book
,
use
your
Difference
to
Make
a
Difference
.
His
name
is
Tayo
Roxson
.
It's
in
our
differences
,
our
differences
,
that
we
can
really
change
things
,
just
like
changing
the
insurance
world
.
It's
understanding
that
people
everyone
is
unique
and
has
a
different
need
.
They
may
not
be
best
fit
for
our
product
so
we
may
refer
them
to
another
company
.
Speaker 2
24:52
It's
looking
out
for
the
people
we're
with
,
whether
it's
our
family
,
our
friends
,
our
family
members
,
to
build
a
true
community
authenticity
through
the
hardships
.
That's
probably
one
of
the
biggest
challenges
to
overcome
,
because
traditional
workers
don't
understand
the
remote
worker
.
Even
if
you're
a
local
with
them
,
you
just
sit
at
home
,
right
.
You
watch
TV
shows
all
day
at
home
,
right
,
that's
what
they
day
at
home
,
right
,
that's
what
they
say
yeah
,
right
or
oh
,
you're
off
in
this
place
.
It
must
be
incredible
.
And
when
you're
actually
sitting
at
your
laptop
for
14
hours
a
day
and
you're
not
seeing
the
incredible
place
where
you're
actually
working
,
so
yeah
,
that's
probably
one
of
the
biggest
challenges
is
the
community
aspect
for
yourself
and
for
your
spouse
and
kids
,
with
remote
work
.
Speaker 1
25:54
Yeah
,
and
that's
a
pretty
common
theme
actually
among
people
I've
spoken
to
who
either
have
worked
remotely
for
a
number
of
years
or
just
just
sort
of
dipping
their
toe
in
or
just
getting
into
the
world
of
remote
work
.
Is
that
,
yeah
,
building
community
,
um
,
in
a
way
that's
just
,
I
guess
in
a
way
reflects
what
they
used
to
be
when
they
were
working
in
a
collocated
situation
.
But
you
can't
really
,
it
doesn't
really
reflect
,
does
it
?
It's
,
you
have
to
be
a
bit
more
deliberate
about
it
in
many
ways
,
don't
you
?
You
have
to
,
yeah
,
take
deliberate
steps
to
get
to
know
people
and
really
try
to
communicate
,
try
to
.
Speaker 2
26:39
If
you're
not
naturally
adverse
to
,
sort
of
inclined
to
mix
and
and
share
ideas
,
then
you
almost
have
to
sort
of
force
yourself
out
of
your
,
your
bubble
to
to
create
that
community
,
to
create
that
,
that
,
those
contacts
,
because
the
last
thing
you
want
is
to
isolate
yourself
yeah
,
and
we're
such
an
isolationist
society
now
it's
not
like
we're
we're
borrowing
eggs
from
our
neighbor
anymore
,
or
and
we're
such
an
isolationist
society
now
it's
not
like
we're
borrowing
eggs
from
our
neighbor
anymore
,
or
that
we're
actually
getting
to
know
our
neighbors
because
we
say
,
okay
,
our
neighbor
isn't
going
to
be
our
friend
,
we
just
go
in
and
out
.
Speaker 2
27:13
Society
has
shifted
over
time
to
where
we're
very
,
very
selective
of
who
we
decide
can
come
in
our
circle
.
That's
true
Versus
the
agriculture
society
,
the
manufacturing
society
,
the
unions
,
the
labor
groups
,
where
you
just
went
out
to
the
social
gatherings
with
those
that
you
were
in
your
community
,
whether
you
like
them
or
not
.
Now
it's
like
,
nope
,
I
don't
like
them
,
I
don't
like
them
,
I
don't
like
them
.
So
in
the
end
,
it's
like
you
don't
like
anybody
.
So
you
don't
have
a
social
network
,
except
a
virtual
world
,
whether
it
is
a
social
network
or
gaming
,
or
internations
,
or
whatever
the
social
network
is
that
you're
deciding
to
virtually
be
part
of
.
Speaker 1
27:59
I
suppose
what
I
hear
a
lot
is
there's
this
tag
.
I
mean
there's
many
sort
of
stigmas
attached
to
remote
work
,
as
you've
pointed
a
couple
of
them
out
.
This
word
isolation
now
it's
okay
,
they're
not
synonymous
.
I
don't
think
remote
work
and
isolation
is
necessarily
synonymous
.
No
,
not
at
all
,
and
that's
what
I
don't
want
to
sort
of
go
off
on
a
bit
of
a
rant
now
.
But
uh
,
it's
,
I
think
it's
,
it's
almost
becoming
.
Speaker 1
28:34
Isolation
is
part
,
is
,
has
become
part
of
,
it's
always
been
there
before
.
Remote
work
was
there
,
I
mean
,
the
people
isolate
themselves
.
Before
personal
choice
was
around
,
it
was
yeah
,
it's
,
it's
a
personal
choice
and
I
think
,
yes
,
there
is
a
tendency
to
be
,
obviously
to
be
more
alone
,
but
it
doesn't
necessarily
mean
that
remote
workers
are
isolationist
or
or
desire
to
be
alone
.
It's
just
that
we
have
to
learn
as
human
beings
to
be
more
,
like
you
said
,
look
over
the
parapet
to
check
on
your
neighbour
,
to
talk
to
one
another
,
and
I
think
,
in
a
way
,
remote
work
is
an
opportunity
to
be
more
deliberate
where
that
is
concerned
.
But
,
as
I
said
,
I
don't
want
to
go
off
on
a
rant
because
we'll
go
off
on
a
tangent
and
we'll
go
on
for
a
bit
too
long
,
but
I've
got
a
few
more
questions
for
you
,
andrew
,
before
we
wrap
things
up
.
And
I
mean
in
terms
of
you've
got
a
team
around
you
as
well
where
Insured
Nomads
is
concerned
.
What
have
been
your
main
challenges
when
it's
come
to
actually
hiring
remote
talent
?
Speaker 2
29:53
I
believe
the
challenge
is
knowing
how
people
communicate
best
and
getting
to
know
them
as
an
individual
,
even
though
you're
working
remotely
,
because
the
temptation
is
to
jump
right
into
a
task
,
into
the
current
project
and
to
be
all
work
and
then
you
forget
to
realize
that
,
oh
,
this
person
does
like
words
of
affirmation
,
or
this
person
likes
quality
time
.
And
we
don't
have
quality
time
.
We
have
purposeful
time
whenever
there's
interaction
.
So
,
as
we
live
our
lives
to
actually
care
for
people
,
we
have
to
learn
to
care
for
our
fellow
remote
workers
more
than
the
function
they're
providing
.
Speaker 1
30:46
No
,
I
like
that
,
I
like
that
and
I
think
,
again
,
it's
remote
work
,
I
always
say
,
is
about
people
.
It
puts
people
first
.
The
best
remote
teams
,
the
best
remote
workers
put
people
first
.
And
in
the
times
that
we're
living
in
now
,
we
can't
avoid
the
the
whole
issue
around
um
coronavirus
and
there
are
probably
many
people
now
that
perhaps
previously
worked
in
an
office
building
that
are
now
having
to
turn
to
remote
working
.
And
I
think
central
to
that
is
what
andrew
has
been
talking
about
,
which
is
thought
,
thinking
about
people
.
Speaker 1
31:29
Obviously
,
work
has
to
be
done
.
If
you
,
if
you're
working
within
a
business
,
the
work
has
to
be
done
.
But
it
requires
that
you
know
working
with
other
people
require
,
especially
if
you're
managing
other
people
,
it
requires
that
you
are
cognizant
of
how
they
are
,
how
they're
doing
.
And
,
again
,
you
have
to
be
a
bit
more
deliberate
about
understanding
and
asking
questions
,
not
so
much
that
you
overwhelm
them
,
but
to
a
point
that
you
understand
them
and
and
and
can
help
them
as
much
as
you
possibly
can
.
And
again
,
andrew's
point
about
,
I
guess
,
the
challenges
of
hiring
people
Before
you
hire
remote
workers
,
think
about
how
you're
going
to
manage
them
as
well
and
think
about
having
a
plan
to
manage
,
not
necessarily
in
a
cookie-cutter
way
.
Manage
people
based
on
their
needs
as
far
as
possible
.
Speaker 2
32:37
Yes
.
Speaker 1
32:39
You
know
.
Okay
,
andrew
,
before
we
wrap
up
,
what
are
the
plans
for
insured
nomads
?
What
?
What
are
your
?
You're
in
a
busy
time
right
now
,
as
you
described
earlier
on
.
What
are
the
plans
going
forward
?
Speaker 2
32:57
yes
,
we
are
in
a
major
online
transformation
.
So
,
although
I'd
love
for
you
to
follow
us
on
social
media
,
which
is
at
InsuredNomads
,
on
any
channel
,
but
our
website
,
insurednomadscom
will
be
under
a
full
relaunch
at
the
end
of
the
month
have
anyone
who
is
using
links
and
social
media
on
your
website
,
etc
.
To
join
our
affiliate
program
,
because
this
is
a
big
project
of
ours
really
is
to
get
more
people
protected
and
reward
people
who
are
making
that
happen
,
referring
business
our
way
.
So
we're
launching
new
products
all
throughout
the
year
.
So
that's
those
are
some
of
the
highlights
of
what's
coming
,
adding
new
team
members
,
etc
.
It's
a
busy
,
great
time
of
growth
for
us
sounds
good
.
Speaker 1
33:58
Uh
,
you
mentioned
a
couple
of
urls
.
I'll
include
them
,
of
course
,
in
the
show
notes
so
that
anybody
who
who
wants
to
have
a
look
at
insured
nomads
can
do
so
,
because
I
think
it's
.
It's
a
necessity
that
you
have
your
insurance
in
place
,
it's
necessity
,
so
I'll
include
those
in
the
show
notes
.
And
again
,
one
,
just
one
more
question
for
you
before
you
go
,
because
I
know
you're
a
man
who's
traveled
in
different
locations
,
different
continents
,
as
we've
discussed
before
.
What's
the
most
unusual
or
exotic
place
that
you've
worked
?
That
would
be
in
.
Speaker 2
34:35
Ghana
,
west
Africa
.
We
went
there
to
work
in
a
clinic
and
in
the
meantime
,
built
it
up
,
had
an
incredible
team
there
of
Ghanaians
.
My
third
child
was
born
there
,
nicholas
,
and
we
lived
about
,
oh
,
two
hours
from
the
nearest
gas
station
and
we
were
one
of
the
only
folks
with
,
of
course
,
refrigerator
or
anything
like
that
.
We
lived
weeks
without
electricity
.
In
the
end
it
had
a
full
operating
theater
.
We
had
imported
an
ambulance
from
Japan
,
straight
from
battery
,
built
from
Nissan
,
and
you
know
,
I
guess
,
the
culture
,
the
drilling
the
boreholes
,
the
providing
health
care
for
those
who
couldn't
afford
it
,
having
black
mambas
and
living
through
malaria
and
typhoid
fever
,
and
you
name
it
.
Personal Connection and Appreciation
Speaker 2
35:33
I
think
that's
the
best
answer
for
you
and
I
cherish
my
time
there
,
made
very
close
friends
and
still
keep
up
quite
regularly
.
Speaker 1
35:47
So
it
was
very
enriching
Sounds
good
to
me
.
I
can't
beat
that
.
I
can't
top
that
one
.
I'm
afraid
it
sounds
good
to
me
.
Andrew
,
I
just
wanted
to
thank
you
for
joining
us
and
sharing
your
story
,
sharing
information
about
your
business
as
well
.
Insured
Nomads
with
the
remote
work-life
community
will
be
looking
out
for
changes
to
the
website
and
updates
and
the
progress
that
you're
making
.
So
thank
you
so
much
for
being
with
us
today
.
Speaker 2
36:16
Thank
you
so
much
.
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