In this episode, Martin sits down with James Benham, co-founder of JBK and CEO of Terra. With more than 25 years in technology and over two decades in insurance, James shares his journey from launching his first company at 21 to building and selling products like SmartBid, all while remaining proudly bootstrapped.

James challenges the notion that insurance is slow to innovate, highlighting its strong potential for smarter modernization through better integrations and automation. On distribution, he argues that technology is far more likely to empower brokers and agents than replace them, emphasizing that relationships, trust, and accountability remain central to the business.