From Family Agency to Insurance Business Rising Star | Kelly Smith

From Family Agency to Insurance Business Rising Star | Kelly Smith

Author: Heath Shearon June 25, 2026 Duration: 40:33

In this week’s episode of Insurance Town, I had the privilege of sitting down with my good friend Kelly Smith.

Kelly is one of those people who has truly lived the insurance industry from every angle. She grew up in a family agency, spent time at the front desk, worked in personal lines, commercial lines, agency operations, underwriting, carrier sales, and now helps independent agencies grow through her work with FirstChoice.

What I loved about this conversation is that Kelly’s story is not just about insurance. It is about curiosity, hard work, education, family, leadership, and finding your place in an industry that can open a lot of doors if you are willing to keep learning.

We talked about what it was like growing up in an independent agency, hiding under desks, messing with paper files, and learning the business from the inside out. Kelly shared how that agency background gave her a completely different perspective when she moved to the carrier side. She understood the urgency agents feel because she had sat in that seat herself.

We also talked about her passion for education. Kelly shared a powerful story about being homeschooled, feeling behind academically when she started college, and how that experience fueled her desire to keep learning. Since then, she has earned multiple designations, completed her CPCU, and recently finished her MBA in insurance.

 The best insurance professionals don't just master one job. They learn the entire ecosystem. Kelly's career took her from an independent agency to the carrier side and now to helping agencies grow through a network. Each step gave her a new perspective that made her more valuable. Whether it's earning a designation, volunteering with an association, mentoring others, or simply staying curious, investing in your education compounds over time. Your next opportunity often comes from something you're willing to learn today. 

One of my favorite parts of the episode was our conversation about the next generation. Kelly’s daughter recently attended risk management camp at App State, and we talked about how important it is to show young people that this industry is bigger than home and auto insurance. There are opportunities in sales, underwriting, claims, marketing, leadership, technology, agency ownership, and so much more.

Kelly also shared what it means to be recognized as one of Insurance Business America’s Rising Stars. Her humility really came through in this part of the conversation. She talked about being grateful for the opportunities she has had, but also wanting her story to encourage others, especially women and young professionals, to see what is possible in this business.

00:00 Welcome

 02:35 Born Into Insurance 

 06:00 Agency vs. Carrier: Seeing Both Sides 

 09:10 Can We Attract the Next Generation? 

 12:20 From Homeschool to MBA 

 17:45 Why Education Creates Opportunity 

 23:45 Leadership Through Service 

 26:00 Becoming an Insurance Rising Star 

 30:15 Helping Independent Agencies Grow 

 31:45 The Truth About Insurance Networks 

 35:45 Connect with Kelly 

 36:50 Sponsors & Closing


If you're looking for one of the most innovative events in the insurance industry, check out Insurance Fest, hosted by Insurance Business America. It's not your typical conference. You'll hear from industry leaders, discover what's next in insurance, and connect with people who are helping shape the future of our industry. It's also where today's guest, Kelly Smith, will be recognized as one of Insurance Business America's Rising Stars, an honor that's incredibly well deserved. After hearing her story, I'm sure you'll understand why she's being recognized as one of the industry's emerging leaders.


I'll be there as well, speaking on stage and recording a live episode of Insurance Town with Christina Lucas from Google. 

If you're planning to attend, come find us. Stop by, say hello, celebrate Kelly's accomplishment, and join us for the live podcast recording. I'd love to meet you in person.

To learn more or register, visit Insurance Business America's Insurance Fest. I hope to see you there.

Sponsors
Canopy Connect
1Fort AI
Viva 

  • (00:00) - Welcome
  • (02:35) - Born Into Insurance
  • (06:00) - Agency vs. Carrier: Seeing Both Sides
  • (09:10) - Can We Attract the Next Generation?
  • (12:20) - From Homeschool to MBA
  • (17:45) - Why Education Creates Opportunity
  • (23:45) - Leadership Through Service
  • (26:00) - Becoming an Insurance Rising Star
  • (30:15) - Helping Independent Agencies Grow
  • (31:45) - The Truth About Insurance Networks
  • (35:45) - Connect with Kelly
  • (36:50) - Sponsors & Closing

Heath Shearon has spent years navigating every corner of the insurance industry, and in Insurance Town, he acts as your guide through its often complex landscape. Think of each episode as a casual, informative conversation held on the front porch of a town built entirely on insurance knowledge. Heath, who jokingly refers to himself as the Mayor, doesn’t just lecture; he brings in the many friends and colleagues he’s met over his career for genuine discussions that break down real-world scenarios. You’ll hear practical advice, behind-the-scenes insights, and straightforward explanations designed for both industry newcomers and seasoned professionals. This isn't about dry theory-it's about the tangible how-to and the why behind common business and personal coverage questions. The tone is welcoming and grounded in experience, set to a bluesy soundtrack courtesy of Daddy Long Legs. Tune into this podcast for a unique blend of business education and relatable storytelling that makes the intricacies of insurance feel approachable and even engaging.
Author: Language: English Episodes: 50

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