Bob Morales - Independent Insurance Broker

08/18/2026

06/27/2026

"Most great people have attained their greatest success just one step beyond their greatest failure." — Napoleon Hill
The moment that feels like the end is often the moment that matters most.
Many of the world's greatest achievements were preceded by setbacks, disappointments, and failures that seemed impossible to overcome. What separated successful people from everyone else wasn't luck—it was their decision to keep going.
Failure is not always a sign to stop.
Sometimes it is a sign that success is closer than you realize.
Napoleon Hill reminded us that persistence often reveals opportunities that are invisible to those who quit too soon.
Keep taking the next step.
Keep believing in your vision.
Keep moving forward.
Your breakthrough may be closer than you think.
✨ What challenge did you overcome that ultimately led to something better?
Discover more timeless success principles at www.naphill.org

09/26/2024

Hello Everyone,
Just checking in with some family pictures. We are all good here. Megan is off to school at Sac State and Leigha is a junior in high school. Having lots of fun. See everyone at Aunt Becky and Uncle Miguels 50th anniversary!

05/22/2024

The boys had a great time at their Reno tournament and finished 3-1 beating some very good teams. Super Proud of them!

03/12/2024

An update from my friend Steven Johnson on the state of insurance:

"U.S. P/C Industry Underwriting Loss Reaches 10-Year High: AM Best
https://www.carriermanagement.com/news/2024/03/07/259633.htm

Summary statistics from the Article (listing all US P&C interests):
• 2023 resulted in $38B (Billion) in Underwriting Losses.
• 2023 experienced about $65B in Cat Losses almost doubling the average annual figure.
In 2023, 28 individual Cat Loss events each exceed $1B on their own.
• 2023 saw Net Written Premiums grow 11.8%.
• The 2023 overall Combine Ratio for the Industry grew to 103.7%, up from 103.1% in 2022.
(This means carriers paid out $1.04 for every dollar of premium they received in 2023.)

I suspect if these numbers focused on California only, they’d be even more negative. So far, in 2024, weather events have been less extreme than they were at this time in 2023.
If the weather holds, there may be a light at the end of the tunnel for California in 2024. Nonetheless, I believe the Property Market will continue to be constricted."

AM Best published its annual tally of the U.S. property/casualty insurance industry’s financial results yesterday, reporting that $38 billion of underwriting losses for 2023 was a 10-year high for the sector. Severe weather-related losses, stubborn inflation and upward reinsurance pricing fueled t...

03/09/2024

Colfax Basketball Camp - Sign up now!

07/28/2023

In honor of Shark Week!

05/18/2023