How I Made $8,568 in 1 DAY Selling Life Insurance (FULL GUIDE)
This section of the video presents a series of live sales calls and behind‑the‑scenes commentary by John Wetmore, a life‑insurance agent and agency recruiter. The content moves through several distinct interactions: (1) a promotional pitch for John’s YouTube membership that offers live coaching and recorded training; (2) a policy‑consolidation call where John helps a client replace two overlapping final‑expense policies with a single, cheaper $25,000 CoreBridge policy, saving the client $200 per month and adding $3,000 coverage; (3) an anecdotal recount of a Thanksgiving‑day high‑ticket sale that generated $8,568 in a single day; (4) John’s systematic follow‑up process using automated texts, a dialer, and a “no‑show” handling workflow; (5) a high‑risk call with a 76‑year‑old cancer patient, where John walks through medical underwriting, HIPAA authorization, and presents low‑budget $5,000 coverage options; (6) a conversation with an elderly, fixed‑income client who wants cremation coverage within a $73/month budget, illustrating budget‑first pricing and the trade‑off between coverage amount and monthly cost; (7) a recruitment pitch for agents, describing his consulting program, income targets, and team‑building methodology; (8) John’s aggressive sales mindset, including “push” tactics, handling objections, and maintaining high call volume; (9) technical details of the CoreBridge system – sending a 6‑digit verification code via text, pulling medical history, and generating real‑time quotes; (10) moments of empathy where John responds to personal health stories (cancer, COPD, kidney disease, loss of spouse) while still steering toward a sale; and (11) price‑comparison dialogue where John presents multiple coverage levels ($15K, $20K, $25K) and negotiates with the prospect. Throughout, the tone is conversational, instructional, and at times profane, reflecting a high‑energy, results‑driven sales culture.
Chapters
Alright y'all, so I have decided to get back out there and selling again, mostly because, I don't know, I think it'd be fun. I like proving people wrong. I hear a lot of people talk about how difficult this is, and my first real full month back out there doing this, I submitted $40K. I would love for some of y'all to come in and join the competition. I need someone to beat me because I keep beating my team and I don't even do this. So come at me, johnwetmore.com/discord. We'll see you there. Happy Thanksgiving. This is John getting back to you. You had sent me a text a few days ago about— I just haven't been able to get back to you yet, so I just want to give you a call, man, and let you know I wasn't ignoring you.
Okay, hello.
I wanted to see what your schedule looked like so I could put you on the calendar so we can go through some health stuff and I can get you some pricing.
Okay, um, I could talk now.
You can. Okay, let's see. You, you said you put a text, you're looking for $20K in life insurance. Do you have anything now or, or none at all?
Yeah, I need some. Yeah, I would love something above that to cover burial.
Sure. Okay, do you have any, do you have any coverage now or nothing at all? You, you hear me, Bill? Yeah. Do you have any coverage now or nothing at all?
I don't.
You don't? Okay, got it. Uh-oh. Gotcha. See, all right, have you been— have you tried to get any and just been declined, or you just haven't had any?
Got some with, uh, one company, but I canceled. Okay. Was it—
was it the pricing made you cancel, or what?
Yeah, pricing.
Got it. Do you remember what they were charging you?
$87 for, um, $20,000 coverage and then, uh, accidental. Got it.
Do you remember who it was with?
I think Global Life.
Uh, got it. That makes sense. Probably had a waiting period with it too, huh? No, no, didn't you? You got the immediate? Okay, cool. A lot of people at Globe tell me they have waiting period on them. Uh, let's see, how old are you?
How old are you, bud?
62. All right, let's see, you good if I ask you some personal and kind of health questions so I can shop this thing around for you and see what's out there?
Perfect.
So 62, let's see, any— are you a smoker or no? No, no, non-smoker. All right, any, any major health issues I need to be concerned about, or heart attacks, cancers?
Uh, no, I have spinal cord injury, but, um, I'm disabled. Got it. Okay.
What happened?
Uh, that was a stuntman. I broke my back several times.
A stuntman for like movies?
Yeah. No way. I have degenerative disc disorder, so it's a pain in the ass.
Yeah. No kidding. Did you do that long?
Yeah, about 30 years.
No shit. Yeah, crazy. Who did you— did you pretend to be like? You had to pretend to be someone that was like the movie star?
That was double for Mickey Rourke. No shit. Dennis Quaid. Wow. And a lot of other actors that aren't any— aren't A-list.
No kidding, that's crazy. Yeah, hopefully they took care of you for all that stunt work because they definitely made some money.
Fun while it lasted.
Yeah, I bet, I bet. Let's see, are you, you in Wisconsin?
No, I'm in, uh—
oh shit, I hit the wrong button. I looked at someone else. I got you. Let's see. Oh, you're in Georgia?
Yeah.
Oh, we're at— I'm in Marietta.
How are you? I used to live there.
Okay.
I'm in Pooler, right in Savannah right now. I'm getting ready to move to Athens.
Very cool. Not bad. Okay. And coverage, are you looking for just you? Are you married or what's your situation?
No children. Just for me.
Just you. Okay. Who would the beneficiary be in your case?
My friend John Wetmore.
Got it. All right. So I got the spinal cord. I assume you're on some pain meds.
Uh, no, I don't take pain meds, but okay, I'm supposed to.
Okay, got it. Do you take, uh, prescriptions, or have you— you have anything prescribed for any, any other issues at all?
Uh, yes, I have, uh, depression, okay, and high blood pressure.
Okay.
All right.
No, no issues? No diabetes?
Okay.
Kidney issues? Liver issues?
No.
Okay. And I assume you're not a smoker, so no breathing issues, COPD, none of that kind of mess? No.
Okay.
You're pretty healthy other than the, the pain. Yeah. Yeah. Which makes you depressed, I bet. I can— yeah, I get it. Got it. All right, well, let's see what we can— let's see what we got out there. Now, what's— what's— I know you had that $87. What's budget like today for you? Is $87 still an issue? We need to get lower, or where you at with the—
okay, okay.
All right, I assume budget is more important than the— than the premium at this time. We gotta make sure we stick within budget is the main— okay, cool. All right, let's see. Have you had to deal with anybody in your life like passed away and deal with funerals and costs and stuff, or—
Yeah, my whole family's gone.
No shit.
Yeah.
What? Damn, I'm sorry to hear that, man. You were married at some point, I assume?
Married, but I lost my— me, my All your immediate family, like siblings and parents and stuff? Yeah.
Got it. That's tough, man. What did, um, were you involved in paying for the cost of the funeral and stuff? Do you know what that stuff runs?
I hope it's all covered.
It was? Okay, it's fortunate. So no GoFundMes had to happen?
No.
That's good, which is what you're trying to avoid, I assume. Makes sense. Okay. Let me, uh, all right, let me pull up what we'll do here, uh, but is, let's see, Bill, what's your actual date of birth, Bill? Oh shit, so you got a birthday like in a couple days. All right, so we'll try to get you in before the pricing goes up.
How about that?
Let's see, all right, let's do this. Um, have you, have you applied for any insurance recently? Like when was that Globe one? When did that happen?
Yeah, just, I mean, I just got Global and then I got out because the premium goes up too high eventually.
Yep, yep, yep.
And, um, I also was with another company and got out because, um, of the— it was too high.
Okay, which was the second company? Do you remember? I work with most of them, so I want to try to avoid the ones you already had. Do you remember the second company name?
Okay.
How tall are you, Bill?
5'9".
All right, give me a rough idea of your weight.
200. Okay, right.
So what I'm going to do then is I'm going to actually just make this super easy, and I'll actually just have the system pull your medical and prescription history. That way I can have it shop around and see all the pricing, and then we'll just run through which company I think can get you the best pricing because I represent about 30 of them. Um, you said a nonsmoker, right?
Right, it is.
Yep.
Okay.
Yeah, I'm gonna see what kind of, uh, different discounts and things like that I can get you based on that. Um, yeah, some companies, as you know, Bill, take different payment types. Some take that little government card, some take banking. They're all a little bit different. Do you have both available, like checking savings, or you just on the Social Security card?
Yeah, that's fine. I've got both.
Okay, what's your, uh, email, Bill? Were you ever at any of the movie, uh, like the facilities out here in Paulding County?
I was in— I was in a lot. I was in over 300 films.
That was—
yeah, everywhere.
Yeah, I was in Dallas, Georgia for a while, and you know, they got those warehouses where they record all the stuff.
Yeah. Been there.
Yes, I used to live right by it. All right, I'm gonna plug this in. I'm gonna look at, um, Transamerica first. They're usually the, the best with vets, to be honest. I'm gonna have the system shoot you a text here in a minute so I can pull your meds. Uh, you said you have no current life insurance. Let me plug in a little bit more. Do you use a middle initial, bud?
F.
And this is your cell, I assume?
What?
This is your cell phone, I assume?
Yeah.
Okay, you can get text on this?
Yeah. Perfect.
All right, what's your home address? All right, can you verify your social for me, bud? I'm just going to plug away a couple of your health questions. No, uh, a couple things I maybe missed asking. I'll assume them, but they make me ask. No Alzheimer's? No hospital hospital overnight stays, um, no organ transplants?
No.
Uh, not currently bedridden or stuck in a wheelchair?
No.
Uh, let's see, you said no to all that stuff already. You said no to diabetes. No strokes or anything?
No. Cool.
No tobacco. No DUIs or felonies?
No, not in the last 30 years. Perfect.
As long as not in the last 2, I'm good. I'm going to have the system shoot you a text real quick.
Right.
All right. You're going to get a text from a 469 number that's directly from Transamerica. There's going to be a little 6-digit code in there. I just need you to verify for me.
Looking for the code right now.
All right, Bill, what I'm going to do now, bud, is I'm going to have the system pull your medical history. It's going to take probably 2 to 3 minutes, and it'll come back whether or not I can verify your ID and then get you an actual underwriting, and then we'll go through some pricing. I'm gonna put you on hold for like 1 to 2 minutes.
Okay.
Oh, hold on, I got an identity error. What did I do? All right, it says something must match your ID. Is your legal name All right, that worked on your ID. I'm gonna put you on hold for 1 to 2 minutes. The underwriting part's gonna happen. You won't hear any music or anything, but I'll be here, okay? All right, hang tight. Hey, Bill, it said come back with a couple extra prescriptions. Anything else you can think of maybe that you don't take anymore I gotta let them know about?
What prescription?
It doesn't tell me. It just says they didn't— it just says there's additional. It won't show me everything.
Oh.
Anything you can think of? If not, I'm gonna— I got another option, but just curious.
Pain.
It's all pain meds?
Medication.
Were there some narcotic ones at some point?
Yeah. Got it.
Okay, that might be—
I don't take them anymore.
Yes, sir. That's okay. Let me just switch gears a little bit. Sometimes when that's in the history, I gotta kind of make a different move. Hang tight one sec. All right, let me plug away with this Plan B here. Give me one sec. I'm gonna just go through some of these Update these health questions on here. Now they gotta— do you get a company? Yes. So for your info, not bedridden, not there, no wheelchair, no to that, no strokes, not in prison, no Alzheimer's, no dementia, no HIV, no dialysis, no transplants, no to cancer. No diabetic complications, no heart failure, no to suicide, no strokes.
I had heart failure.
You had what?
I had heart failure. Uh-oh.
Oh, I thought you said no heart issues earlier. When was that?
But I thought it was heart attack.
Oh, got it. When, when did you have that?
Uh, it's been 15 years.
Interesting.
Do you take a medication for it, like one of those, uh, but I don't anymore.
When was the last time you took it?
Been over a year. Got it.
Let's see what the question asks. I think it wants to know— where did that question go? If that's the case, I'm going to try to plug it through here. You may be— I may— I can definitely get you coverage. I may have to put you on one that, you know, those ones with the waiting period. They, they want to make sure you're not about to drop dead. So, yeah, so normally what they do is put you in, they'll cover you on, as you know, the accidental side, and then it works like savings for the first 2 years. And as long as you don't drop dead in 2 years, they cover you for full. But I'm going to put you through for one.
That back, you do?
Yeah. Yeah.
Yeah. All right.
I'm going to try to run it through this other company to see if they'll cover you this way. But if not, I can definitely get you into one of those. So give me a sec. I'm going to try to see if I can get you this one. Worst case, I'll put you in one where you got that and we'll kind of go from there. So how do you, how do you, how do you deal with the heart stuff now? It just kind of all went away or you have issues or what's the—
just, you know, heart recovered the muscle.
No kidding.
Oh, that's cool. A big problem for them.
Maybe they had— maybe they were— they figured your, your back was messed up enough, he'd let your heart survive, huh?
Back squat.
Yeah. All right, let me see if I can get you this one. If not, I'll throw you in one of the ones that, like, the plan you had before, and we'll just get you one that's priced good. All right, I'm gonna send— this is gonna be another one, different company. It's going to send you a link as well. Uh, let's see, underwriting engine will start once you hit save. Next, all right, see if you got a text now from CoreBridge. All right, should just walk you right through with what it wants you to do. I can pull up the— let me pull up what it says, but it's pretty easy to walk through. Should be instructions right on there. Yeah, what's it— what's that message say? I'm not Yep, throw that in. That'll let you log in, and you just have to agree and click sign a couple times. That's pretty simple.
I can't get—
what screen are you on? What's it say? I'll pull it up and look at it with you.
Read the terms of the HPA authorization.
Oh yeah, the HIPAA.
Yep. Yeah, I can't get the— the box with the check. It won't do it.
Oh, that little yellow box won't check?
It's not yellow, it's white.
Ah, you got to hit the blue button where it says View Authorization. It makes you view it before to let you check it. You can just hit View and then close it, and, and that box will open up.
Oh, it's not coming through. I don't know. Why?
Did you hit the view and it opened up a window?
Oh, I'm sorry.
That's okay. Hit view, it should pop a window up. It's basically saying we don't share your information, as you know.
I just don't see where it should—
Are you on the one that says click below to review the HIPAA authorization, yada yada?
Yeah.
Okay, do you see that view HIPAA authorization button? You might have to scroll down. It's above the box. It'll say view HIPAA authorization.
I don't see that. I'm just—
read what's on the screen.
Got my name on it.
You might have went ahead. Oh, uh, I don't see you. You must be in it. Can you hit close on that screen? Yeah, yeah, okay, close. I think you're in the file.
I got it now.
Yep, there you go. That should let you check it now, right?
All right, I can't pay for this before the December.
That's okay, I can make it come out whenever. You don't— that's when you get your Social Security, I assume, disability or whatever. Yeah, yep, no biggie. Right now I'm just gonna find you a home and then we'll plug in whatever payment date you need every month. Once you check it, you should be able to hit apply signature and then it's— it'll tell you you're good. Okay, fresh over here. It should say— it say thanks for whatever. Signature complete. Did you get that? Yeah. All right, cool. Let me refresh over here. All right, that worked. I got it. That'll let me underwrite one more time. I'm like I said, I'm going to try to get you this immediate coverage one Worst case, I'll get you the other one with the same company. They offer two different products, so— all right, cool. This one's going through underwriting now. Just hang tight. I can get you the guaranteed— what they call the guaranteed issue one with that. All right, let's see if I got my cases. Yeah, I can get you the one. You are going to have the two-year wait, bud, but I can get you the coverage for sure. Let me look at the pricing for you, okay? Here you go, William. Yeah, I can— for, for to be under, to be at like $84, I can get you $10,000 with them is $84.
Well, with $20,000, well, I want to make sure you stay within budget.
I'll tell you, I'll tell you. Let me, let me— it's going to show me $15,000 next. Let me show you that and then I'll show you $20,000. But I want to make sure this isn't one we're going to— you're going to end up having to cancel. $15,000 is $125,000. And then 20 is $185,000. Yeah, so I'd say either pick the $80-something to $10,000, so at least you got something. And what I always tell people, Bill, is two things. If things clear up once you're a few years outside of the meds, if things ease up, but and/or if your budget changes up, you can always call back and add more. Um, but at the end of the day, some insurance is better than no insurance, and I'd rather you stay in budget so you don't have to cancel again.
And that doesn't, uh, add a—
it won't go up in price on you ever. That will never happen. All they do is they want to make sure you're not literally about to drop dead because of the heart stuff, and they go, just give us 2 years so we're on the same page. Once you hit the 2 years, you have a— you have the same policy like you were healthy. So pricing will never go up, coverage will never go down. It does build cash value, has all that stuff. Meaning if you become— say again?
You can get that check cashed out if you need it.
If you— yeah, I mean, it's not going to be right away, you know, but down the road, a few— 5 years down the road, 10 years, you know what I mean? A few years down the road. Remember, you're only paying $80 to $100 a month, so it doesn't build a shit. It's not like you're gonna have $5,000 in there next month. You know what I mean? But a couple years down the road, you can always borrow against the cash value and take it out for sure. You just got to build it up, you know, because it works like, like I said, as a savings account. So once it's built up, for sure you can do any of that, but you won't be able to borrow money in February, you know what I mean? So tell me, $10,000 or $15,000, you want $80-something or $125,000? And pick the one you can stick with.
How much is it?
80. Let's see, I gotta refresh. 84. Okay, you good with that? Yeah, 100%.
Yep.
All right, perfect. Let's throw that in. All right, let's see. Save. Next. Proposed. Sure. There you go. I got your address. All right, you said, let's see, you want your first one to come out on the 4th, is that what you said?
If I can get a different date, I'll go a little later.
So when do you get your Social Security? This a certain Wednesday, or what do you get?
Third.
Third Wednesday, or the third of the month?
Third of the month.
Because they can match it to that so you don't ever have to move it or get worried, even when it comes on a weekend. It'll— it won't go till the next business day. They know how to match it up like that.
Can we do the 4th?
Yeah, for sure. Yeah, just to leave that extra day in case it's a weekend. Is that what you mean? Yep, they, they know how to do that. So let me plug that in. So a day, we'll start you on 12/4. Now obviously the policy won't be in effect until that day.
John, got you down.
And we're going to put your beneficiary is 100%.
If I wanted to add one to it, would it be immediate or would it take another 2-year?
Well, if you do, it depends when you do it, right? So if when you want to add in, all you have to do is call in to me and then I'll relook at your prescription history and we'll figure out which one I I can always figure out what option I can get you. Meaning if you call tomorrow, it's going to still be the 2-year wait. But if it's like next year, you know what I mean, we might have some options. Does that make sense?
Yeah. All right, the routing number is—
All right, do you want me to deliver your policy by email or in the mail? Email. Email. Okay. For those of you follow— that have followed me for a while, you know I've, I've helped build this agency up to over $200 million $100,000 paid annual premium per year. We have over 5,000 agents a year that sell, and I am rebuilding. We're building a new base shop, helping people build big agencies, get to multi-seven figures in income, or producers that want to, that want to just sell and get to a multi-six-figure sales career. Hit me up. I'm hiring direct. I'm looking to train and mentor winners that want to work their ass off and build something dope. Click on the link below, or you can go to johnwetmore.com/join and put in your application. We'll to see if I'd be interested in working with you. DM me, hit me up, whatever you like. Save you there. All right, we're gonna do one last signature. It's going to be very similar to last time, okay? All right, just sent to you. You should get a text any second, and it's going to be about the same process as the last time. Let me know when you get on there if you get stuck on anything, okay? And that'll put you in place.
Is there accidental death on that?
There is, yep. Or it's the same, so it doesn't— if you die from an accident, it pays out, pays out, it pays out the regular amount.
Yep. What, $10,000? Yep.
Yeah, so if you fall off the ladder or something hanging Christmas lights, you'd be covered. Just doesn't cover the health side.
My other insurance not, not pay, they offer—
nope.
Twice as much.
No. Yeah, if they found— because what happens, Bill, is— and you probably know this— but the, the state, every state, Georgia specifically, gives the insurance companies— when you pass away, although you may have immediate coverage somewhere, the insurance companies are protected by the state, and it gives the state, uh, the insurance companies 2 years. If you die within that 2 years, they can pull all of your medical records and verify everything. And if they find anything that was different than the application, they'll deny it.
Do they do that?
Or yes, if you die within the first 2 years, they hold it.
Yeah.
Yeah. Especially, you know, some of those insurance policies, they make you do blood and urine, you know, and they pull everything up front. Those ones, they know what's going on, so they price it really high. In this case where they just pull it electronically and you just give me the answers over the phone like the previous ones, if you pass away in the first 2 years, they— if they find any discrepancy, they'll decline it.
So what about after 2 years?
After the 2 years, bro, you get away with it. That's why, that's why now it's good to have this in place. You get it covered, and then within, within that, uh, 2-year period, if your, if your health cleans up— and I always do a 1-year review with people, so we review your stuff after 12 months and then try again to see if I can get something for better.
Yeah, but if I got— if I went with Globe Life, $20 grand, $50 grand, um, if I die, if I die in 2 years, yeah, they're gonna check.
They're gonna check after 2 years.
They don't check.
The difference with Globe is— because I can put you in that— but the difference with Globe is, as you know, it goes up at different age brackets, and most of their products after 80 expire. So this one is going to remain level the entire time. Again, I can put you in Globe, but it's not my favorite product. This is a— this is a— I put way more people on this product than Globe, you know what I mean? So it's— they're going to get their money one way or the other, you know that, Bill, you know. And they all work off the same expected, uh, time of age of death, etc. Yeah, I can put you in it, but you ain't— you won't be happy if you live too long, and I don't, I don't, I don't want that to happen to you.
All right. Okay.
All set.
All right, let me pull it up, make sure we got, got it over here.
Let's see.
Save.
All right, I got it. This will give you a policy number here in just a second. I'm going to— you good if I just text you a picture of this? Okay.
Yeah.
Now my system will shoot you out an email a little bit later as well with details from me. You'll get an email and a text with details saying you're approved and here's your policy number. But I'm going to send you a very informal text right now just so you have it. You'll get a text. You should have a text message right now from this number I'm calling you on. Let me know if that went through. It says delivered right now.
I got it. All right, cool.
That's your policy number. You know how to save me as a contact?
Actually, let me just— what's your name? John?
Yep. John. I'll type my last name in here as well. Wetmore. W-E-T-M-O-R-E. And I help people with not only these final expense, veteran life insurance. I do a lot of retirement planning, protecting people's IRAs, 401s, things like that. So if you ever need anything like that or any of your buddies need anything, feel free to give me a shout. Um, I'm, I'm pretty easy to work with and have a shitload of insurance companies I can help folks with. So if you need anything along the way, man, just give me a holler. Um, thank you. Yeah, if anything comes up, you just, you just hit me up. Call me, or if, if you don't catch me if you call, either leave me a voicemail or shoot me a text because I'm on the phone all day long. If you just call and don't leave a message, I may not see it, but if you leave a message or send me a text, I'll always call you back within 24 hours. Okay, Bill.
Okay, sounds good.
All right, my man, you feel better now?
Yep.
All right, homie, hope you have a great rest of your week, and if you need anything, just call me, okay? All right, buddy, have a good one. Closing deals Friday morning. Now I'm late. Let's see, who the fuck do I got next?
I'm not reached. Hello?
Hey, Ernest?
Yes, sir. How you doing, buddy?
This is John over at the insurance. How you doing, man?
How you doing?
Okay, you couldn't be any better, buddy. A little stuffed from yesterday, otherwise I'm doing great.
Yes, yes, okay, that's good.
All right, got your info here. Looks like you were trying to get you some insurance, huh?
What kind of insurance?
Some life, some final expense burial insurance. You remember a plot?
I don't know.
That's the one we've been, we've been texting about. You applied online. We've been texting, you remember?
Hey, excuse me, hold on. You don't care if I'm on this phone?
Is that an animal or a kid?
My grandson.
Got you, got you. Sometimes they're like animals too.
Yeah. Oh yeah, he's 4.
Nah, it's all right. Uh, let's see here. Were you a vet or no? You a veteran? You're not a veteran? I didn't know if you were. I was going to— I was going to mention something. So these are— these are plans for final expense burial insurance. If you drop dead, Ernest, you got any coverage in place for the funeral and stuff?
Yeah, I got New York Life.
Oh, okay. New York Life. How long you had that sucker?
Oh, shit. About 15 years.
Okay. How much coverage?
You know what? No, no, no. Longer than that because I've been retired 9 years. Okay, uh, I'm probably 20 years. Yeah.
Okay, cool. How much coverage you got with them?
I only have a $25,000.
Okay, what's that run you?
You must have paid, uh, 50— let me see, I added on— the first one was only $15,000, I added on another $10,000. So I'm paying 2 policies, one is $20,000, this other one is $35,000. I'm spending about $55, $54 a month.
No shit. Okay.
Now, do you know when—
how that policy does— you know when that thing expires or goes up in price on you?
No, they say whole life, so I don't— I ain't never went up nothing, did the same since I had it. Okay. How old are you? I'm 76.
76. Okay. They have— they have different— is it through Globe or Globe Life? New York Life? Is it that one?
Globe? No, just New York.
New York Direct. Got it. They got a couple different products out there. Okay. Some of— some of their products change at age 80. Is, is yours like that?
My wife passed a few months ago and they paid me straight out, so I wasn't—
Okay, good.
Okay. Were you—
are you satisfied with your coverage amount or were you looking for more?
I could always use more, but paying for it is a big issue. Hell yeah. I'm retired on a budget.
Yes, sir. So tell me again, you got 2, $15K you've had forever. What's that one run you again?
No, both of them together?
No, separate. Separate. What's—
what did—
you— one you said is $15K?
No, no, when I first got the first step in New York Life, it was $15,000.
Yeah.
Then I put up $10,000 more. So the first one is $35,026.
Okay. And the second one?
And the other one— oh no, no, no, no, no, no, go back, go back. I am sorry.
That's okay.
No, I, I got it all based up. I'm paying $87. What am I talking about? One is $53 and the other one is $35, so add that together.
So you're at $88?
Yep.
All right, when did you get the— yeah, when did you add the 10?
Oh shoot, that's been 10 years— over 10 years ago.
So you've had these a while? Okay, let's see.
A long time. Yes, I've been with New York Life for a long time.
Cool. How old are you, buddy?
76.
76. You just told me that. I got a memory like a 90-year-old.
It's all right.
Yeah, I mean, you got— I mean, you, you've got some good pricing. I mean, you got— yeah, I mean, you're priced in at like— hold on, let me see. You were 65, what this thing will cost— $35. All right. And that New York Life, that New York Life one stayed the same price the whole time?
Yeah. Yeah, okay. I'm paying for 5 policies though.
5?
I'm paying for my daughter. Ah, I took off at 4, 4, 1, 5 with my wife. They paid it off, so I'm just paying for 4 now. It's my daughter and my son and 2 for me.
Okay, they with New York Life too?
$134 a month. $134 a month combined? Yeah, yeah, combined.
Okay, cool.
And you've had those I paid, uh, with American Income Life for grandkids and my kids. I paid, uh, close to $100 a month for that. For 1, 2, 3, 4— 4 of them is $100.
For 4— for 4 of your kids or grandkids?
2 grandkids and 2 kids.
Got it.
No, no, 3 grandkids. I had 5. 3 grandkids and 2 kids. Yes, it was about $100.
Okay, are they all under 18 or are they all grown?
Uh, 2, 3 grown and 2 under 18. 210 and the other 3 grown.
Got it. And are those all separate policies?
Yes, yes.
Got it. Okay, so you got a bunch of small payments, $10 here, $15 there, whatever it is. Yeah, correct.
17 is most, I think. 17, I thought. Yeah, yeah.
If you've had those for a long time, I wouldn't, I wouldn't suggest we mess with those things.
Sometimes, uh, $25,000. Then I got another one with State Farm life insurance for one of my granddaughters. That's $21,000 a month. Got it.
Yeah. So you're satisfied with the amount of coverage on you and you, you're paying cheap? I definitely can't beat your price today because you're You know, you got it when you were 50s.
Okay, right.
Okay, you got anybody else in your world that needs some insurance that I can help with? Or you— what do you think?
I don't know. I got 23 too.
Shut the front door, bro. I certainly did. 20— you have 23 children?
13 girls and 10 boys. What?
Can I ask you a question?
My nickname is Punchy and my email is punchy23kids@gmail.com. What does Punchy mean? Uh, I like to fight. I love it. And they kept me with that name. You look punchy, you punch, you just like to punch.
23 babies, how, how is it— there's no way it's one woman, right?
Oh no, I've been married 5 times and buried 3. I don't bury 3 wives, exes.
Oh shit, no way.
And it's for 11 different mothers.
That's what I was gonna ask you. So baby mama drama has been real in your life?
No, ain't no drama because I take care of my kid. We didn't make it, then my kid was still in my life. They stood up my life, right?
Hell yeah, good for you.
Except for 2. My baby's 27, my oldest is 59.
Good for you, buddy.
I only just came by here yesterday.
What'd you do for a living?
I worked for the city cleaning for 32 years. No shit. Waste collection supervisor. Love it, dude.
So you gotta— I bet Thanksgiving family photos are crazy.
Oh, it used to be. Right now they all got their own homes. Yeah, so everybody stayed home yesterday. Yeah, yeah. Where do you live? Right, Cleveland, Ohio. Oh, okay.
Got it, got it, got it. That's my daughter, my oldest daughter. I got 5 kids and everybody thinks I'm crazy, so now I'm gonna reference you forever. I just, I just got like a little warm-up, uh, but my oldest went to Ohio State, so I'm familiar. I've been up, up to Ohio. I've never been where you're at, but Columbus, I've been up there a few times.
Yeah, yeah, buddy. Okay, but I, uh, I—
you got all your retirement stuff taken care of? Because we, we handle a lot of that for folks, like IRAs, 401s. You got all that taken care of or protected? No.
Go ahead. Okay, I did make a mistake and borrow off of my father, though.
Got it.
So my premium is kind of down right now because I never paid it back.
Oh, got it. On which one? On your personal policies?
My $25,000, $825,000, $517,000.
Got it, got it. Okay, I mean, still not terrible pricing though. Yeah, I would— yeah, I don't, I don't see any benefit in replacing those, buddy. I don't, I wouldn't mess with that. Um, if you ever look— yeah, I mean, you, you could, Kent, but your pricing would be significantly more today. Hold on, let me— I'll give you a ballpark just to— you're 76. I mean, if you started over today— you smoke or no?
I quit January 20th, okay, January 21st, 2002, I quit.
Got it. Oh, okay, cool.
Yeah, I mean, oh, never drank, never drank nothing but Kool-Aid.
Yeah, what's your favorite color Kool-Aid?
Cherry.
Cherry, my man. I got— I like the purple one.
Okay.
Um, Let's see. Yeah, I mean, if you, if you went just to give you a rough, so you, so you understand, because I know some people try to cancel stuff like you got $50 for $10,000, $15,000, whatever it is. Now, your current age, you're going to, you're definitely going to push closer to about $100 for, for somewhere in the ballpark of $10,000 if you want to add something just because, I mean, you're 76 now, you know.
Right, right, right. But I beat cancer, prostate cancer in 19. I beat COVID in 20. I had triple bypass this year, January.
You are punchy.
Yeah, I love it.
Yeah, don't, don't cancel those, dude, because you got heart issues and stuff. Any, anything I got you now would have waiting periods and all kinds of stuff, so just keep what you got, buddy. Yeah, don't, don't mess with those policies. You got tons of them. Now again, if you got all these kids and grandkids and you ever decide you, uh, want to make sure someone else covered, I can certainly help you. Uh, okay, if you kind of want to organize that, you tell me. Okay, you got, you got some of these little ones that don't have coverage?
Yeah, I know my kids, some of my, my son. I got a son, my youngest son, I'm paying for his, and my youngest daughter I'm paying for this now with Do Your Bite and, uh, American Income. They got $50,000 apiece and I'm paying for both of them. Got it. Okay, uh, I know my kids, they grown grandkids, they got their own kids, so I got grown grandkids. Yeah, I know they don't. I know they don't. I know they don't. I'm not for sure, but I'm just about positive they don't have insurance, and I'm worried about that. I lost a son, he was murdered. Oh shit, 28 years ago. No insurance, we had to pay out of pocket. We had to save up. It was so hard to bury my grandson. I mean, my son. It was so hard to bury him, man.
That sucks.
I'm sorry to hear that. I lost a 3-year-old granddaughter. She had no insurance. We had to scrape up— she wasn't even 3 years old, she died.
Damn.
We had to scrape for her. And I tell my kids, insurance means a lot. I don't give a shit about car insurance.
Yeah.
Get life insurance. If you can't afford both of them, choose life insurance because the family won't have to suffer.
Yes, sir.
I preach to them, I do, man. I don't know if they listen to me or not.
Yeah, I'm gonna use you as a commercial for people and let them know how important it is. What's, um, my wife passed.
My wife passed. COVID, man. COVID. Would you believe it? COVID took my wife. And 4 years, it's just been 4 years last week. 4 years. And if I hadn't had New York Life out right away. They paid for it, and that was such a relief. I buried my wife, man. I didn't have a problem, you know. So insurance is important. It's important.
Yeah, makes sense. I agree.
It makes a lot of sense. Yes, with this world now, these people, these kids is crazy. You need insurance, man. And if I don't pay my rent, I'm paying my insurance. If I get paid up, I bet you It's a struggle, but I do not— if I have to cut something, I won't cut my life insurance. Damn that car, damn that any other rentals. I'll cut all that before I cut my life insurance.
Good man, taking care of your family. I love it, dude.
Yeah.
What's, um, what's the best way to kind of figure out who needs coverage in your world? How do we do that?
Talk to them. I had to talk to them and get back with you and find out and give them your number as best I could do, because I don't know who what they got. Yeah, but who don't have it, you know? This happened before, uh, with American Life. They asked for my kids and I gave it to them. I don't know whatever happened, if they end up getting insurance with them or what. Okay, but I gave it to them. The only thing I could do is gather them up and talk to them.
Yeah, you want to, um, so I, I can shoot you a text right here. Do you want me— what if I do this? What if I'm gonna shoot you a text with my direct number? Hold on. You're at 3501. Let me, let me text you real quick. Tell me your cell number. I'm not looking at it on the screen.
My phone number.
All right, I'm gonna text you. John Wetmore, life insurance guy. If you want to, um, I just sent you a text from my cell phone. Let me know if that came through. All right, if you'll say that, and why don't you see whether you want to get me a list of name and numbers Um, if, if you want to put them in a text, what I can do is I can, I can, between me and my assistant, we can reach out, let them know that, you know, you, you passed their information along. Yeah, we'll call them and then I can keep you posted on who got it and who didn't.
Oh yeah, with the, with the price, man, because we can't do it. We have to throw you in the trash can until you get back on them coffee cups. Yeah, you know. Because we can't bury you. You know, we had, we had, uh, what you call it, uh, my brother, he had insurance, but he wanted to be cremated. I don't want to be cremated. No.
Good man. Yeah, if you— will you— you want to put together a list for me?
Yeah, I have to talk, you know.
Sure.
Yeah, yeah, yeah, yeah, yeah.
I mean, take your time.
Let me see if I get you something about money.
Yeah, yeah, you do that. You let me know, and then what I'll do is I'll keep you posted on who has insurance and who doesn't. That way, that way you know who to stress over or who you got to fight.
Yeah, yeah, yeah, 100%. If I had one, I could pay for you, you know, but not paying 3. Hell no.
Yeah, no, I, I agree, Ernest. That's crazy. I don't mind helping you organize it all. I do that a lot. And that way, you know, just so you know, some of these other companies, they're great companies, they only represent themselves though, of course. So where I, where I can help is I broke— I'm a broker, meaning I can write insurance for about 30 different companies. So depending—
check around and find out which best for who. Correct. Yeah. Okay.
That way you don't have to have like 20 different companies covering everybody. You know what I mean?
It can—
we can kind of figure it out who's best, and then I can put together a whole list for you who's covered where.
And maybe the ones that do have insurance, maybe their kids don't have it. So maybe I get you some. Okay, I see what I can do, John. Thank you.
All right, my man, you let me know. Hope you have a great rest of your weekend, and I'll, I'll, uh, follow up with you Monday.
Okay, buddy? Okay, good. Thank you.
All right, my man, have a great day. See you. Interesting. Let's see, let's put a note here on this guy. Holy shitballs. All right, we're a little behind.
You have reached— oh, this is Dave, just leave a message, thank you.
Hey Dave, sorry we keep playing phone tag, buddy. I got on with a client and I had to help him out with some insurance, ran over a little bit. Give me a shout back when you can. I got your message, of course, looking, looking to get you on the phone so I can help you out with your coverage. Call back when you can. Uh, let's see.
The disc in her neck was pushing against her spinal cord. Oh, no way. Yeah, so they said— doctor, he said, I don't want to do this to you. I have no choice. Within 6 months, you could be paralyzed. Yeah. And I said, well, I don't want that. He told me it's a very risky surgery. But she wants to have it, and as well, she wants it, she's going to get it then.
And did she not make it through the surgery?
Yeah, she made it through the surgery. She had the surgery on December 28th. Okay. And, uh, 3 days later, the hospital— well, the day after the surgery, my son and I were up there and she was having a very hard time breathing. She was gurgling a lot. I had a nurse sitting next to her and I said, man, can't you do anything? He said, what do you want me to do? I said, I don't know, but you need to do something.
Yeah, save her.
If you can't do anything, get someone else. Yeah, you see, all I can do is call a respiratory therapist. I spoke all of them in there and she, she's, uh, did a, uh, a suction to her, uh, into her throat. She had quite a bit of fluid on her.
Oh, got it.
So when the third service came back down, came down, they got some more out. Got it. And he says this is not uncommon for this type of surgery. Yeah, especially at her age. Sure. I'm gonna tell the nurse who's standing right there and that every hour she's going to have to regurgitate. Very excited. So, uh, yeah, well, 8:30, nurse says, it's after 8 o'clock, you're gonna have to leave. I says, not until you regurgitate her one more time. Yes. So she went ahead and did that, she repeat, and then told us to leave. So we left, and at 2 o'clock in the morning, they called the hospital, called me, said, your wife— if we find your wife unconscious. Uh, man. And I said, do what? He says, Susie, she was blue when we found her. Oh, shit. Yeah. And they said she had a, uh, Heart failure, congestive heart failure.
Oh God, it's all fluid and stuff.
And he says, can we do CPR on her? And I says, well, hell yeah, you haven't done it yet, so we can't do it without your permission. I will do it. Yeah, so they did. They brought her back out, out of it, but she had been unconscious for 29 minutes. Got it, got it, got it, got it.
It's too late by then.
Yeah, they put her in intensive care, and then, uh, 3 days later they told us there's nothing we can do anymore for her.
Gotcha.
Uh, we recommend you put her in hospice. Um, so that was on a Saturday morning. She went to hospice and she passed away on Tuesday.
Gotcha.
That's rough.
How long were y'all married?
Almost 25 years.
Okay, congrats, man. That tough time, I'm sorry to hear that, brother. Yeah, condolences, my man. What I'm gonna do, Arthur, is I'm gonna plug away some of your information here. What I'm, what I'm gonna do, I'm gonna make this kind of easy on you. Um, I'm actually gonna have the system— I'm gonna plug in your social and pull all your medical history so I can just have the computer look around and see who I can get you approved for, because I feel like I can— I feel like I can improve your situation. But I need to see your medications, and instead of asking you to read me all the meds, I'll just pull it so it'll save you some time. Okay. Yeah, let me pull up— do you have a middle initial, Arthur?
Yes.
What is it? W. W. Okay. And Arthur is A-R. Okay. Do you use that on your ID?
Yes, I do.
All right. Your phone number. This is yourself?
Yes, this is. All right. This is my social.
Not yet. Give me one sec. I'll get it in just a minute. I got to read. It had you in Florida, so I got to retype some stuff over here. Yeah. All right. Go ahead with that social, Arthur.
All right.
I'm going to— I'm going to plug in two different options here at the same time and see which one gets you the best deal. Let me go.
Let me—
let me plug in these health questions you already answered for me. Uh, you said no to all those questions. No Alzheimer's or dementia, correct? No.
Uh, I, I was classified as a little dementia.
Did they give you a pill for it?
No.
Okay, when, when— clarify, give me a little more detail on that. What'd they tell you?
Uh, I was in a, uh, rehab center. When, uh, '79 was the first time.
When was the most recent time?
Uh, in March of this year. Yes. Okay.
Did they give you medication while you were there?
For dementia? No. Okay, just from my high blood pressure.
Okay, so is it official dementia if you don't take meds, or what's the official diagnosis? So they're not sure yet?
You're not sure?
Okay. All right, I'm, I'm gonna try a couple different options here because it's kind of gonna vary a little bit. Let me see, we'll work with you, we'll figure something out over here, buddy.
Well, I had 2 strokes in 2014.
Okay.
And they think that's where it came from.
Got it, got it, got it, got it. See, he said no here, no there, no here. You can get a text message on your phone, right?
Yes.
No strokes in the last 12 months though?
No, no.
And not, uh, let's see, you said no.
I did have extremely high blood pressure. Yeah.
How bad is it? How high?
242 over 192. Oh, shit. Yeah.
Dang.
What happened?
What? Why do you know?
My wife passed away.
Oh, just the stress of daily life, does it? Makes sense.
Yeah.
Shit. Yeah. I wouldn't really survive very well without that either.
I get you. Yeah, I didn't want to go to the doctor, the hospital. I bet.
Yeah, I bet nobody does.
My son. Called the family. I called him and told him I had a bad headache and I didn't like the way I felt and my head was throbbing like crazy. And he says, all right, I'm coming down, because he was, he was up here in Vero and I was in Port St. Lucie.
Got it.
And by the time he got to the house, the ambulance was already there. No access. You're going to the hospital. I said, no, I'm not. He goes, you— do you understand your blood pressure is? He said, it's 240— 242 over 192. He says, it most certainly is, look. And he says, I'm gonna take it again right now. And he took it again and it went to 147 over 192.
Yeah, that's wild. And do you check it daily now or no? Do you check it daily now or do you just—
twice a day?
Yeah. Today's advance, it was high today.
Still a little bit on the high side. It said 140s.
Okay. Yeah, that's not bad relative.
No, there's a lot of people have 140s.
Yeah, yeah, I have 140 some days. What up, y'all? So YouTube memberships, we have one now. Right next to the subscribe button, there's a neon white join button. You can't miss it. Subscribe, whatever it says, click the link, get in there. I do a ton of coaching, teaching people how to dial, corrections, working on their presentations, working on their mindset. I will coach on theory, but I like coaching real world stuff. And if you join the membership section, you're going to see live coaching where I'm not only helping people, but every once in a while I get in there and dial myself. There's some cool videos coming out, tons of content. All the training videos will be directly on my YouTube channel. That's available to members only, super easy to find. So join now if you're interested, click below. See you in there. You can get a text message, right, Arthur?
Yes, I can.
I'm going to send you— all right, I just sent you. See if you have a text from a 469 number right now.
Mhm. Yes, I do.
All right, you should see a—
for playing for Trans America Coffee Express Solutions.
Yeah, there's going to be a code in there, 6-digit code. You read through it, you'll see what you— if you read through it, there's going to be a PIN code towards the end. Let me know what that code is. They put a code in there I need. It's a 6-digit code.
Got it.
All right, I'm gonna send you another one in just a minute because I'm gonna— I'm looking at 2 different places at the same time, see which one will give you the best deal. Okay. Yeah, see, it's going to— it's verifying your ID and going to pull your— pull your stuff here now, see what I can get you approved for. All right, let's go back to this. So I have an option with— so you're paying right now. If we take that Gerber policy for $12,000 and that other one that you are— is unknown right now, you said 10 grand, you're paying like almost $800 a month for 22 grand, right?
Yeah.
Okay, this— I got an option here that just come up, $25,000, and it's only $563. Um, and you said those Gerber's recent, right? You got Gerber and the other one pretty recently?
Transamerica is the other one.
Yeah, Transamerica you've had for a while though.
No, I got two. One's— oh, oh, oh, oh, the other one is Transamerica Express.
Oh, no way. Okay, when did you get that other Transamerica?
Uh, I think it was this year.
Interesting. Okay, was it before you were in the hospital or after?
Uh, in between.
No shit. Okay, you might have got luck— you might have got lucky on that one, because once they know you're in the hospital, they— that's not their favorite thing. Okay, so you got $10K there. So the one we're dealing with is Gerber. That's recent. That one's $12K for $429,000, right?
Yes. Holy moly.
Let's see. Do you know Gerber has a waiting period? Do you know anything about the waiting periods on those? Are you familiar?
Uh, 2 years on the TransAmerican.
Yeah. Gerber too, right?
Uh, I have, I have the Gerber product.
Gerber, I'm sure, has the 2-year. Trans over 2 years. So, so here's, here's, here's what we got, Arthur, because you're paying $800 a month for $22,000, right?
Yeah.
Wouldn't it make more sense to have one policy for $300, $250 less a month?
Yes.
Okay, because I can help you convert those into one policy. $25,000 will only run $563. Instead of 8, instead of— you're at $758. So it'd be $200 less a month. Would that make sense to you to do that?
Yeah.
Okay, because I can help you with there. That original Transamerica policy, that one for $100,000, that, that we don't touch. That you keep in place. You're never going to get better than that because you've had that for so long. So I wouldn't mess with that. Um, all right, let me, let me do this. When, when do the payments come out for Gerber and Trans? Oh, do you know?
Uh, no, I don't. Okay, let's see.
You have the policies there?
Not with me. My son would have them somewhere.
Okay, no worries, we can figure that out. I can set up a call with you to Get that out. All right, on this one, $25,000, it would be with CoreBridge. It's only $563.91 a month. I assume you'd want that one to go into effect immediately?
Yes.
Okay, let me put that in for you. And then what we're going to do, I'm actually going to get on the phone with you and let those other ones know to not bill you anymore. Um, that way you're not overpaying. Unless you just want a shit ton more insurance, I can add some somewhere else after, but I'm going to start with fixing these two. And then if you decide you want more, we'll look at more. Okay.
Okay.
All right. Do you prefer these things come out of a checking or savings?
Checking. All right.
See, who do you bank with?
Wells Fargo.
Wells Fargo. Did you open that in Georgia or Florida?
Uh, open up a new one in Florida.
Okay, look up their routing number. Well, can you confirm the routing number on that one? They have two different ones in Florida.
Yeah, that's incorrect.
Okay, all right. And do you— can you verify your account number that you want it to come out of?
Yep, it's 3.
All right, what I'm going to do is send you a— do you want your policy delivered by email or by paper? In the mail.
Uh, right.
All right, what it's going to do now is I'm going to have the system— this one will be through CoreBridge Financial— I'm going to have the system send you a text here in a minute for you to sign on your phone. I assume that won't be an issue. Not present. Text.
You read the following.
Yes, we'll get a text. Yes, I can receive a text.
Text.
All right, I just sent you a text message. Let me know when you— let me know when you get it, and I'll walk you through the process to sign this thing. This is just going to be you approving everything. Let me know when that comes through. It's going to be from a, uh, let's see, you'll see the text from CoreBridge. Let me know when that comes through. You see the text there, Arthur?
Not yet.
No, it didn't come through yet. Do you have an iPhone or Android? What kind of phone you got?
I got iPhone.
You do? Okay, I can resend it if it didn't come through. Let me see, let me make sure I got the right— it went— yeah, and no text messages yet. Hold on, let me see if I can hit resend on this. One second. See if one came through right now. Said it just resent to you.
Oh, here's another one. Uh, Application to review.
Yep, yep, click on that. I wonder why it's not going through. All right, hold on, let me hit resend one last time. If not, I'm going to send this to your email. You can get into your email, right?
I can what?
If, if I need you to get into your email, is that possible?
Uh, I think so.
No, hold on. I don't want you to go yet. I sent it to your text, but if I need to, I will.
Okay.
See if— so a new number, a new text number didn't come through still?
No.
All right, hold on. Let me get to your— let me get to your email. Let me do it that way. Look in your email, Arthur. You're looking at your text messages.
I got one from you. It came in at 12:39. Yep.
All right. What does that one say?
Actually require complete your life insurance application with Cambridge.
Yes, life insurance. Yeah, that's the one we need.
That's the text.
Oh, it is. Okay, we're getting somewhere now. All right, so when you click that text, it opens a new window.
Yes, it did.
All right, what does it say on your screen right now? Okay, um, yep, you're in the right spot. All right, right below that you should see a welcome. Do you see that?
What's the phone number you sent it from?
You were in the right spot where it said to click wrap to. That's the right spot, that one that says CoreBridge Financial. That's where you want to be. I think I got it. Hold on, let me look over here. I think, I think you did it, buddy. Hold on. All right, you did it, Arthur. It came through. I don't know what you did, but you did something right. Hold on one sec for me, buddy. Okay, I'm about to finish up over here for you. All right, that worked. I got you all squared away. That went through. You're approved here, Arthur. Now I'm going to— I'm going to send you a screenshot here with your policy number. This is going to come from me personally.
All right.
I just sent you a text from my cell phone.
Did you get it? From 6? Yeah.
Yep. All right. Your policy— your new policy number is in there. Okay. So that's 625 number. And you see the picture of my ugly face? Yeah, all right, that's me. Do you know how to save a piece of—
piece of—
yes, yep, that's me. Do you know how to save my number? Do you know how to save them? Do you know how to save a contact or no? If not, I'll have you write down my number if you got a pen. You want me to teach— show you how to save it, or do you want to just write it down?
Uh, just let me write it down. Okay.
And then we got to let these other companies know that you don't need those policies anymore. Do you want to do that now, or do you want to do that later? What do you prefer?
I guess I can do it now because he's— my son just text me too. He say he won't be back home till 2:30.
Okay.
All right.
Hang on one second. Let me, let me get Gerber on the line first. Okay. Hang tight. I'm going to call them. I'm going to get them on the other line, and then we'll let them know we don't need that other policy. Okay?
Okay.
All right. Hang on one sec. Hey, Arthur.
Yes, sir.
Hey, they're closed for the holiday today. I did not know that. So here, here's what we're going to do. I'm going to, I'm going to put you on my calendar for Monday. Are you around the house Monday?
Yeah, I'm here Monday.
Okay, I'm gonna put you down. Do you, do you like mornings or afternoons? What's better?
Mornings are good.
Mornings are good. All right, let me pull up my calendar for Monday. Let's see, Monday, Monday, Monday. How's about, how about 10 AM Monday?
10 AM, okay.
That work for you? All right, I'm gonna put you down at 10 AM Monday. And you and I will call in to Gerber and Trans and let them know that you don't need to overpay for those policies anymore because we got you one with some cheaper coverage. Okay, so this one is $25,000 instead of $22,000. So $3,000 more in coverage. And it's, uh, let's see, I'm going to tell you exactly how much less per month that is going to knock out. $429,000 plus $329,000 is $750,000. $58,000 minus $563,900. So I got you $3,000 more insurance and saved you $194 a month.
Okay. Okay. What's the premium total for this one?
This one's $563,900. $563,900.
$563,900.
Yep. For $25,000.
Okay.
And the other ones added up to $758,000. So we're going to get rid of those two. And keep you on this lower one. And then Monday morning at 10 AM, I'll call you, um, and we'll call Gerber and Trans and let them know not to charge you again, okay?
All right, John.
All right, any questions at all for me now, Arthur?
No, sir, nothing at all.
All right, do you feel good about the coverage we got you?
Yes, I do.
All right, well, I got, got down, I got James as your beneficiary, I got your new policy number, and I will give you a call Monday morning. We'll get the other ones taken care of, okay? All right, my friend, I hope you have a blessed day. Okay, thank you.
You too, now.
All right, my man, see you.
Bye-bye.
Holy guacamole, what a fucking shit show that was. He was paying— there's another replacement. He had 20— he had, he had 2 policies for $22,000. He was paying $760 a month. So I got him $25,000 for $560. So I saved him $200 and got him $3,000 more insurance. Hey, what's funny is I was just telling people last night about Craig's, and I'm like, yo, I ain't never sold a policy for as much as Craig sold one the other day, that $500 something. I said I've never sold a policy for $500 a month in my whole career. You just open for $7,000. Yeah, sure as shit, fucking next morning it happens.
Yeah, it's crazy, dude.
I had a guy last night when I sold the one yesterday on Thanksgiving, he, he, it's on my Facebook. He, he texts me, he goes, what kind of leads are you running on Facebook on Thanksgiving? I'm like, the same leads I run when it's not Thanksgiving, bro.
Thanksgiving lead, man. Special Thanksgiving.
Yeah, I got magic Thanksgiving leads. You fucking people. Jesus Christ. So keep plugging away. I'm fucking behind this shit. I'm all out of order today. I ain't calling anybody on time. Just is what it is. But I got like 1, 2, 3, 4, 5— I got 6 more fucking people to call today that I'm— I haven't called my 12:30 yet. I'm about to call him in a minute. I'm calling my 10 o'clock right now that I didn't get a hold of earlier.
Hello? Yes, how you doing, John?
I'm doing amazing, thank you. How about you?
How you doing? I'm doing well. Trying to get over Thanksgiving. I ate too much.
I feel that. I feel that. Takes, takes a little— it's a little slower rolling out of bed today, ain't it?
Yes, it is.
I love it. I was giving you a call about this insurance you applied for. Um, I'm actually one of the underwriters over here to help you figure out what we can get you. Um, I guess tell me a little bit about what you got going on. Do you have any insurance now, or none at all, or what's your situation?
No, I don't.
Uh-oh. Yeah, why not?
This is, uh, I just kept putting it off.
Okay, makes sense. Did something trigger you not putting it off anymore? Seeing family or someone get sick, or what happened?
Got old.
You're about to get older soon, I see too, huh? Yeah, it happens. How old does that make you? I can't do that math with the round number. How old are you?
76 now. Be 77 January 1st.
No insurance at all? Have you ever had life insurance and let it go, or have you not? Just not? Have you just been living dangerously?
Dangerously.
Okay, you're a rebel, huh?
Yeah, I've been in my life.
I bet you got some stories.
Oh yeah, but I can't tell them.
I bet I'd get some before the end of the call. I gotta warm you up a little. All right, so let me ask you this. Any major health issues preventing you from getting insurance before, or what do you got going on health-wise?
No, not before.
Okay, how's your health today? What do you got?
Well, uh, I got COPD. Okay. I have lung cancer.
You have cancer right now?
Uh-huh.
Okay.
It's just, uh, it's early. They just found it. When?
When did they find it?
See, what is this, November?
Yes, ma'am. Now roughly, was it like this year, just recently, last couple months?
Uh, probably 3 or 4 months.
Okay. You still smoking?
Remember exactly.
You still smoking or did you give it up?
I'm afraid I'm still smoking.
Okay. You, you on oxygen too?
We need it.
Okay, got it. All right, got it, got it, got it. All right, who, um, what's the prognosis? Are they treating you for the cancer? What's the— what are they doing?
I had 5 radiation treatments.
Holy smokes.
Okay, everything seems to be okay now.
Only 5? Got it done, huh? Okay. Oh shit, that's good news. Congrats, I guess, huh? That's tough. My wife had to do radiation, but, but I think she had like I think like 10, 10 or 12, 10 treatments or something like that a while back. Yeah, she's good now too. But all right, so we got no, no insurance now. Who, um, so if you pass away, who's, who's in charge? Who's got to deal with, with the chaos and pay for it and all that stuff if you pass away today? Okay, everybody else passed away.
Sorry, what?
Others passed away.
Yeah. Okay.
You got children alive or no?
No.
Okay.
No children.
Okay. Did you ever have children?
No.
Okay, got it. All right, brother and sister. Who would, who would be the main— do you have one as the beneficiary or would you split it up between your brother and your sister?
Split it up.
Okay, tell me your brother's name. All right, let's see. Um, are you working, retired, or disabled? You on disability or no? Retired. Okay.
Couldn't work if I wanted to. Can't stand up that long.
Got it.
Okay.
All right.
Cool.
Well, I can look at some options for insurance for you. Do you know how insurance works when you got some cancer and stuff going on?
Probably ain't gonna get much.
We can get you some insurance. The way it works, Miss Audine, is they want to make sure you're not about to die like next week, right?
So nothing like that.
Yeah, so you, you'll be fine there. What, what happens is we can get you a policy in place. We'll look at some pricing here in a second. I'll pull up some options for you. Um, are you trying to be buried or cremated? What's, what's the, what's the plan? Or do you care?
Besides, really, but I'm leaning more for cremation.
Okay, right. Um, have you— you mentioned some others have passed. Have you had to deal with any funerals or burying anybody recently?
Well, between all three of us, you know, uh, like three sisters passed, and, uh, so they had family to tend to it.
So, yeah, okay. So you didn't have— you didn't have to pay for any of these yourself? Okay. Are you familiar with the costs? I assume you kind of know roughly what funerals cost and cremations, or do you want me to go over that with you?
Uh, funerals probably around $10,000, isn't it? Cremation around $6,000 or $7,000.
Yep, it's about— yep, but I hear $3,000 to $5,000 for cremation, and I hear $10,000 to $15,000 for funerals. It's pretty common, tell me. Um, now what I'll do, um, Miss Audine, I'll look at a couple different options for you to see. What I do is I kind of shop it around for you so I can see who gives you the best deal based on your age and your health. So I'll pull up a couple options for you since it doesn't sound like you need a ton of options, um, or a ton of insurance. Are you— do you get Social Security? Is that how you get paid now?
Yes.
Okay, cool. What, what day of the month do you get that on? Is it a certain Wednesday or you get it on like the 3rd? The 1st? 1st of the month. Okay.
First month.
Okay.
All right, you get sniffles too? I do, yeah.
I got, I got my— I don't know, my assistant's a little bit sick and I think she messed up and sent me a little something.
Ah, she kept that, couldn't she?
She could. I wish she did keep it. It'd have been a lot better, made my weekend a little nicer.
Yeah.
All right, let's see. You're 76 now. You're in Louisiana, right? Yes. Okay, let's see if I want to go guaranteed. All right, let's, um, tell me a little bit about— everybody's a little bit different, um, when it comes to, um, insurance and budget and stuff like that. I want to make sure we're very budget conscious. Obviously, you're— when it comes to a funeral, right, you live in Social Security. Are you pretty— you're pretty, pretty fixed income, pretty tight? Yeah.
Yes.
Okay. All right. Have you, have you thought about, you know, some people when it, when it comes to insurance, I just, I literally just hung up with a guy who is, and I'm not saying you should do this, I'm just telling you what's out there. He was 77. He wanted a bunch of insurance. He just paid $500-something a month. The person before, he had a person before him was like, I can pay like $80 a month. And as some people say, I don't know, $150, $200. Everybody's a little bit different. Do you have like a number in mind that you need to stay within to make it comfortable for you?
But it won't be any of those numbers.
That's fair. Everybody's unique. So you need to be under $100 a month for sure, right?
Absolutely.
Okay, got it. Let's see. You may be going—
you may—
are you open to cremation?
Yeah, that's what I was more leaning to.
Yeah. I mean, the reality is, can I just be honest with you? Are you good if I just shoot it straight? You seem like a straight shooter.
All right.
If you, if you're trying to pay for a full, full funeral, you're definitely going to pay more than $100 a month at $77, $76, $77.
Right.
So you're, you're kind of at a, at a, at a point where we got to decide, um, you know, what your max is. And then my suggestion would be you're either going to have to plan to be cremated or James and Marilyn are going to be coming out of pocket to pay for some of this funeral. Because I don't want to put your budget too high monthly. At 76, we could get you $5,000 in coverage, which would certainly pay for cremation. That runs like 73, only $73 a month. Would you be able to squeeze that? Or would that be— how would you feel there? So you don't have to have James and Marilyn pay for it.
Well, like I say, I'm really tight. I don't get much Social Security.
How much do you get each month?
I pay my bills out of that.
Yeah, how much, how much does Social Security pay you?
Uh, let me think right off the bat. Uh, yeah, it, it, I'm gonna say, I got old, my mind left me too.
I, I definitely understand that.
Say 15. Okay, yeah, 1586.
1586.
Okay.
All right. And you get paid on the 3rd. So if, if— so again, you got a couple options. Someone's either going to have to come out of pocket 4 to 6 grand when you pass, or you essentially could put it on a payment plan and take care of it that way. Um, if, if you did, if you did the $5,000, Miss Audine, it, it'd only be $73 a month, but that would make it so James and Marilyn get, get, get some money to get the $5,000 when you pass away. If we line that up to come out on your Social Security, um Can— are you good if we put it on the Social Security day? And then you may have to give up a couple packs of cigarettes a month or something silly, but if you squeeze— I mean, you're gonna have to give up something to squeeze it in, girl, or, or James and Marilyn gonna be paying for this sucker. So can you, can you make that? That's about the lowest I can go otherwise.
Okay.
And the good news is for you, Miss Audine, the The positive side of it is you ain't had to pay for this for 76 years. Some people get it cheaper monthly, but they've been paying on it for 20 or 30 years, you know what I mean? So you're, you're paying significantly less over time because you, you know, you took your chances and were living wild with no insurance. But I want to make sure that if, if we set it up, you'll be comfortable with that, because I don't, I don't want you to have to pay a little bit and then have to cancel down the road. That would make no sense.
Yeah.
So I guess the question is, how important is it to you to make sure that James and Marilyn don't have to pay? Because you ain't getting out of paying for it. Someone's got to pay. Either you're going to pay while you're living, or they're going to pay when you die.
No.
Can we, can we make that work? 76, 73 bucks? And I'll make it come out on your Social Security day so you don't have to worry about it the rest of the month. It won't be a surprise. It won't hit you.
Just go back and go through my bills again.
Well, the bills ain't going to change.
Give me a—
can I, can I make you a—
or $5,000? Is that what you said?
Yeah. Can, can I make you a suggestion? I do this all the time, Miss Audine. When folks know they need some insurance and they're a little bit timid to pull the trigger, when we line it up with Social Security and that's one of the first bills to be paid for, naturally some of the other stuff you'll naturally won't pay for. You'll let some other things go. You know, what I always do tell people is when they tell me they got to go look at their bills and get back to me, It might be another 76 years before we talk, and it's only going to get more expensive at your birthday in January, so you ain't got much time before it goes up in price too. So, and you think you can make $73 a month work for the siblings?
Yeah.
It'll take us about 10 minutes to set you up, and you won't have to think about it ever again in life.
Give me the figures again. 5,000.
5,000 in coverage, it'll be $73.17. There's another company that will cover you. I'm looking at two different— I mean, 5,000 out of different companies, $100.25. But the one I quoted you, I can get you a little discount on. It's $73 only. So I can save you like $30 compared to what's out there. Well, here's what I'm going to do. I'm not— I don't want to push you, so if you don't— if you, if you good not committing, I'll let you get away with not committing. That's, that's okay for me. Um, but I want to make sure you're, you're satisfied. If I can help you, I will. What do you— how do you want to handle it from here? What do you suggest we do?
Well, I'm not gonna do it today, but I've got you. Uh, what's your last name? Wetmore.
W-E-T-M-O-R-E.
Just a minute, I dropped my thing.
Yep, W-E-T-M-O-R-E. All right, I just, I just had the system send you an email and a text, um, with those, with those two options, $5,000 and $10,000. If, um, if and when you talk to your siblings, if you'd like me to help you out, you just, you can either reply back to text. The one, the one that's going to come to you is from my from my office number.
Okay.
This that you're talking to me on now is my cell number.
Oh, okay.
So either one works, but I just sent you a text from the other number. Um, it's also a 678 number. If, uh, if and when you decide, you just reply there and let me know what you want to do, and I'll give you a call back. We'll set up another time.
Okay, John, thank you so much.
Yes, ma'am. You have a blessed day, Miss.
You do the same. Thank you. Appreciate you. Bye-bye.
Bye.
John, when your days are running behind like this and you got people and you can't get a hold of them again, yeah, how do you reach back out? You just text them?
I mean, yeah, I just keep calling. Yeah, I mean, right now the way I'm doing it, I have the system that will send them a text as a like, hey, you missed our appointment. Um, and then now because I have this dialer, I have her following back up with no-shows and shit. Um, and then I just keep calling them, dude. I don't give a shit if I call them on time or late. I don't— I've got shit like that don't bother me. So I just keep calling them if I can, you know what I mean? It's, it's a balance of new appointments versus following up. Yeah, I'm not going to blow people up 58 times because I have so many fucking people that I can talk to. I just, I figure if I call enough people, I have conversations all day.
Yeah, so, and if you get a hold of him, hey, sorry, man.
Yeah, I don't, I don't care at all. I mean, I mean, it says what it is. Listen, we miss him. Um, I try my best, but I'm, I'm pretty fucked. Well, I'm about caught up now because my— let's see, uh, the 12:30, fucking weird enough, his phone number's now not in service. Uh, the 12 o'clock I sold, that took a while. The 11 o'clock is the one I just didn't make the sale on, so I called her after the 12. And then the 1:30, uh, didn't answer, and I'm about to call my 2 o'clock. So I'm like back on time now because I just had 2 no-shows, basically. Granted, they're no-shows because I was fucking 2 hours late, but yeah, whatever.
You said that was, uh, magically out of service.
Yeah, somebody's phone number is now out of service.
Are you calling? Uh, like, uh, not my cell phone. App.
This is my cell phone.
Okay, because I was having that issue, people were blocking me, and as I call them, my iPhone—
I've done that when I call. Yeah, I've called someone from Sideline before and it worked, but normally it doesn't say no longer in service, usually a different message.
Well, mine, it gives you like a tone, like beep beep beep. Nah, this one I've had—
this one said it, sure. This one's like— this one said, yeah, they probably didn't pay their fucking bill. I just called the next one, keep it moving. Hey James. Hey James, how are you, bud? It's John.
Oh, how you doing, man?
I could not be any better, brother. About you?
I'm doing pretty good, no complaints, no complaints.
I love it. I was just giving you a call back about this insurance you were interested in. Is now still a good time? Okay, you about, you about to run out the house or what?
Yeah, just regular relaxing and stuff. Yeah, just get ready for the day.
Yeah, I love it, I love it. All right, well tell me, tell me what you are looking for. Do you have any insurance now or none at all, or what's your situation?
Oh yeah, I got insurance, you know, for life insurance.
This is the life, the final expense life insurance program you applied for.
No life insurance? No.
Uh-oh, why not?
I just hadn't had time to really check into it like I wanted to.
Okay, how old are you? How old are you, James? 78 years. All right, well, we're gonna find some time today, buddy. Um, let me ask you this, uh, what's the plan? You pass away, you doing funeral, cremation, or what's your plan? Will they cover everything under the sun?
Yeah, uh, I don't know that. Taking care of stuff like that. Yeah, yeah, they do them.
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Yeah, they'll give you the plot and stuff.
They won't pay for the whole service, or if you have to be transported. There's things they do pay for and things they don't. I assume you're aware of that, right? Are you, are you trying to get a little bit of insurance to leave behind for family so they don't have to pay for it, or what's the plan?
Oh my God.
Leave the wife and children some. Okay, okay, got it. Let's see, have you, have you looked at insurance, life insurance before? You said you hadn't looked at it yet, the cost and things.
Program they got, but you know, stuff, you know, need no, um, go through no medical stuff and all that, you know, just call and get— yeah, yeah, yep, yep.
That's, that's what I do. So what, what I do, so you don't have to mess with all kinds of different companies, James, I can actually— I'm one of the underwriters, so I can I can pull up your medical history and look around at all the different insurance companies to see who's the best deal for you out there. Do you have a, do you have a number in mind on as far as how much you're trying to leave behind for the wife and kids?
At least $50,000. I have a million kids, but we're trying to find a split up, you know.
Have you got some prices on that before or no?
Uh, no, they said I'll leave that for further. Yes, y'all. I know how things work. So I got some things on my credit card I'm trying to get taken off, scrubbed down there, maybe about 10 years or so, something like that. Some late charges, but still messing my credit up. Although I don't owe anybody anything, got it been paid off out of my debt. So I'm just trying to wait to get that straightened out by the first of the year because I know the better your credit care, the lower your prices with everything else.
How's your health, James? You got anything going on health-wise?
Like all other old folks, you know, high blood and stuff like that. Just got high blood, false alarm. Yep. And it was take blood pressure medication till us all, but that don't do nothing. Old folks now.
Yeah, buddy. No, they— the cancer ain't found you yet?
No, man, I had what they call prostate cancer, but I had that old prostate removed since it was all still contained in the sac. I just had dinner taken We all get that one. Yeah.
When was that roughly?
Oh man, probably about 7, 8 years ago, maybe 10.
Long time. Yeah, not recently.
That's fine.
Any, any heart— any heart issues in the last couple years?
Um, other than high blood and cholesterol, I'm fine.
Okay, okay. So you only take medicine for those two things now?
Hell yeah.
Okay, so you're pretty good. Do you smoke or no?
Okay, got it.
All right, you said you want to leave behind— all right, let's see. All right, how— I guess, how important is it that you leave some money behind?
Because I don't want her to be struggling with nothing if I leave, you know?
Yeah, yeah, some, some people want to leave money behind until they realize they got to pay for it, and then they, then they get weird. Some— I'm like, I can work magic, but not that much.
Oh no, I know that.
Yes sir. All right, let's see, let me plug in your stuff here. I got you, James. What's height and weight look like?
What's your height and weight, roughly? I think I'm around 260. I was like 245.
You're 65? You're 65, you said?
Yeah, okay.
All right, so you ain't that— you ain't that overweight.
A little bit, but not bad.
You're a big man, you know.
Yeah, I get it. It does—
it does make getting around a little harder with the belly in the way. Got it. All right, let me look at a couple of— what I'll do, basically, James, the process is pretty simple, man. If you're looking to leave some money behind for family, basically what I'll do is I'll plug in some I'll plug in your age, plug in your health stuff, which seems you're pretty healthy. It'll give me a few different options for you. Basically, I'll tell you how much it will cost, um, and for, for each amount, and you basically tell me which, which amount you're willing to pay monthly and, and help you get some coverage. Um, have you thought about it all, leaving, I don't know, $25,000 to $50,000 behind? Um, you know, monthly, what, what you're willing to put towards that? Like, some people put $200, $300, $400 a month. Some people want to put $150 a month. Have you put any thought into it at all? Well, the policy won't—
the policy—
yeah, yeah, for sure. Now, I want to make sure you understand, James, the— your credit will not affect the policy price, okay? You could have a 300 credit score and the policy price is still the same. Yeah, so I can, I can certainly get you, get you something there. Um, all right, so what if we do this? What if I, what if I pull— because if I can pull your prescription history, it'll take me just a minute or two. You said cancer was 7, 8 years ago. I can, I can basically confirm, pull up your medication history and see how much— see that I can get you approved first of all, who I can— who will approve you, and then it'll spit out pricing options for us, and then we can kind of compare and contrast, and I'll let you pick one. Is that fair?
Yeah, I'm in no obligation to take advantage of you. Nah, you don't—
you don't have to do anything you don't want. I just want to make sure I can actually get you something instead of a quote. I'm gonna actually pull your medical history so I can get you a real price, okay? Let me do this.
I don't know what's all on my history, but I know what I take now. Okay, sure.
All right, let's, let's do this. Let's just pull it up and we'll see, and then you tell me what you like and we'll go from there. And if you hate it, you just hang up on me.
All right, no problem.
All right, let's see. But Like I told you, I, uh, I do this for a ton of different companies, so I'll shop it around and see what price I could get you. Uh, let's see, are you here in Georgia? Where are you at?
Yeah, I'm in Georgia. I'm in Kennesaw. Oh, no way! Okay, I'm right in—
my office is in Kennesaw, right off Stylesboro, but I live in Marietta. I know. What's your physical, uh, what's your home address? All right, let me plug in this health stuff. You said you have none of this stuff? No, no. Alzheimer's, no dementia, no organ transplants, none of that stuff. Yeah, I know you said no to a bunch of this, but they make me read it out loud, huh? You said no heart failure, no cancer, no Parkinson's. You said none of that. No diabetes history, right?
Cool.
I never had a stroke or anything. Yeah, let's see. No tobacco, no DUIs or felonies in the last 2 years, I assume.
Perfect.
All right, I'm gonna have this system shoot you a text message, and there's going to be a little code in it that's going to confirm your identity and let me, let me get you some pricing, okay? All right, yep, you're gonna see a text from a 469 number, and there's going to be a, there's going to be a 6-digit code in there I need you to read to me, okay? That is perfect. All right, let me plug away over here. All right, that worked. Thank you, sir. All right, if you just hang tight for me for about maybe, I don't know, 2 minutes or so, this thing is going to do its job and it'll give us an answer here in just a minute. Okay, I'm gonna put you on a brief hold. You won't hear any music or anything, but I'll be here if you need me. Okay. All right, buddy, hang tight. All right, James, uh, Transamerica approved you up to $25,000, this product. Let me see how much— let's look at some pricing options now for you. Oh, let's see if you want— you got a pen and paper handy? No, go ahead, you just read them. All right, if you get— let's see, $25 grand only run you $368 a month if you want $25. If you want to go— let me write that down— $25K, $368. If you want to do $20 grand, it's only $295. And if you want $15, those are the three options: $15, $20, or $25. 15 run, you only $222.
Now, I ain't trying to be funny, but I believe I can beat that, especially 25, uh, $300 something for 25. Last time I did that shit, I didn't pay out that much. I had over 25.
When was that? That was a long time ago though, huh?
Maybe a couple years back. Wasn't that long, bro.
Yeah.
No, I appreciate you though, man, but that ain't giving me what I want. That's a little too much money just for that little bit of insurance.
I'm a man.
I ain't trying to be funny, but I been around here a little while. I'm not a banker. That's a little too much for that little bit of money. You good. Too much money, man.
Hey, it's all good, buddy. Here's what I'll do. I'm gonna shoot you— I'm gonna have the system shoot you a text with your options. If you shop around and find something better, go for it. If you, if you decide you want some help, you let me know, okay? All right, you too, homie.
See you.
Listen, people start talking about bad credit and like real bad credit, you guys are worried about chargebacks. Yeah, I mean, he's— he wasn't that fucking clearly that worried. Yeah, you know, so I'll take a coin flip. I mean, I've done a hell— I've done 3 coin flips today and I fucking written 8 grand.
So I just, I just Hey, bro, you spend 7 minutes getting an hour, spend an hour getting an hour, correct?
Yeah, I just— and I just— I literally just fucking move on with my day. And he's right, he could get it, he'll get it cheaper somewhere else, I'm sure he will. But honestly, I don't think he's going to be out there fucking shopping for insurance today. Yep, yep, yep, yep. And I'm fucking behind. And to be honest, my fucking Maddox and Steph are out, and I'm like I'm kind of ready to be done with my fucking day, and I don't really have to do much of this shit. I don't know, throw it up, see what happens. That was what I chose on that one, which you can do when you talk to 30 fucking people a week. Can't live like that when you talk to fucking 3 a week. Doesn't work. But I got so many fucking people to talk to today. I don't care that I just go through them and find laydowns. That does not bother me to live like that. Better way to live. I would run my whole career, bro. I'll push. I mean, y'all see me push on some, you know. I mean, one, two, the one I closed this morning, I pushed the shit out of her. That one lady, you The one I closed yesterday, I pushed hard too. The one last night and the one this morning, I pushed them both. So I'll push a little, especially the more the need is, the more I push. What am I gonna fucking push with him? He's like, I'm a vet, I got everything taken care of, I just want to leave some money behind. I ain't fucking beating him over the head.
But that's something— that's about as hard as you'll push them.
Yeah, I mean, I ain't fucking begging nobody about no insurance. Yeah, got you. I just tell the truth because the truth is, if we hang up, we ain't talking again. And the truth is, she'd spent 75 fucking years making a decision. If she don't make it now, she ain't making it tomorrow, I promise you. So I push, and if that don't work, I move on with my day and I talk to fucking 6 more people. Sale, sale, sale, sale, sale, lots of sales. Holy shit. Sales, follow up, follow up. Okay, who's next?
Hello?
Hey, Miss Mary?
Yes?
Hey, what's up, Mary? It's John over with the insurance.
How are you today?
Hey, I'm good. I was just giving you a call about the insurance info you filled out. I think I'm calling you a little bit early, but I had a little bit opening. Wanted to see if now was okay.
Yeah, this is fine.
I love it.
Good deal.
I thought I might get lucky if I called you early. You having a good day so far?
How are you?
That's good. Nobody messed it up yet, huh?
Oh, expecting snow, so—
Oh, are you? No kidding. We're— you're in Illinois, right?
Yeah, we're, uh, a little bit north of St. Louis. Oh boy.
Yeah, it's gonna— it's gonna be a doozy. Yeah, it's freezing out there, ain't it, right now?
Oh yeah.
I'm in Atlanta and it's pretty cold, and we, we tend to stay kind of warm. Right.
Okay.
Yeah, very cool. All right, so looks like you were trying to get some life insurance. Um, do you have anything in place now or nothing at all? What are we starting with?
Uh, well, I have a, uh, pre-burial cremation. I've had that done.
Okay, like paid for it, like the funeral home kind of thing?
Yeah, yeah. Okay.
So pre-need done. All right. And what were you looking for when you filled this out? Just some extra money to leave behind, or what was the plan?
I had bills for the kids to pay.
Sure. Okay. Makes sense. Let's see. You got a— you got a mortgage, car payments, credit cards, things like that to take care of?
I have no credit cards. I own my home.
Like outright? No mortgage?
No mortgage.
Yeah, good for you. Congrats.
Um, my husband and I moved here 6 years ago and he died last— a year and a half ago.
Oh, I'm sorry to hear that, man. How long were y'all married?
46 years.
No kidding. Okay, I'm sorry to hear that. Condolences on that one. Did— was it health stuff, unexpected, or what happened?
Pneumonia, dementia.
Oh gosh, got it. That's tough.
Year, last year and a half.
It's a year and a half dealing with it?
Yeah, 2 years. And this coming—
yeah, that's tough watching people's memory go away. I've seen that so many times, it's crazy. That's about the hardest way to go, I've heard, for the family.
We end up having to feed him and walk him, and it was— it was—
and he doesn't know— did he even know who the hell you were by the end, or no?
I think he did, yeah.
Some— sometimes, yeah. That's good. At least fortunate there. I've heard a lot of clients where they don't even know— they don't have a clue who their family is anymore. That's—
mother said, you're not my daughter. So, yeah, I know.
So makes sense. Unfortunate side of it. All right, I got you day birth down right. Do you smoke or no?
Yes, I do.
Uh-oh. Are you, are you trying to quit? Planning on quitting? You gonna smoke to you in the grave? You're quitting? Okay, I like it. Let's see, how, um, tell me about your health. You got anything, anything major going on, or what's health like?
Oh God, my diabetes, uh, I too, it's under control for years. I don't even hear anymore because my blood sugar is so low. Good.
You still on metformin? Do you take metformin or something for it or no? No, you don't even take— okay, no, not any medicine for the diabetes anymore.
I take, uh, allergy. Oh.
Yep, yep. Okay, COPD, fun time. Oxygen or just the inhalers?
Inhaler.
Okay, and how long? Tell me about the kidney disease. What are they doing there? They treating it, or is it bad, or what's, what's the prognosis? Doing.
The doctor said, last one, he said, you're doing great. Yeah, we got it, you know, under control. You're on, on, uh, stage 3.
You are stage 3?
It was 4 and a half, so I— whatever I found, I got it right. Sure.
Did they put you on some pills at first for it, I assume?
No, just watch what I eat. No way.
Okay, never pills. Interesting. I got, I got diagnosed with kidney disease at some point and they gave me pills and I hated And I'm— I don't— I got— it all went away when you eat right. I learned. So, okay, so no, no medications for that at all? Okay. All right, so COPD is the main thing. Anything else, or is that enough for you?
Asthma.
Asthma. Okay, makes sense. You got multiple inhalers?
Yeah. Yeah.
Okay. You said no oxygen, correct?
No action.
Got it. So diabetes, kidney, but not treated. When was that? When did they first tell you that? Has it been a long time or is it recent?
Oh, it's been years. Got it.
Okay. Do you still see a nephrologist or you don't have to go?
Yeah, see him every 3 months.
Every 3 months. Okay. All right, let me pull some up here. Let me look at a few options. Okay. And do you take medications for anything else?
I'm, I'm controlling my blood pressure, reduce that. Okay. Um, I take, uh, he started me on Lexapro about a month ago. Okay, this for anxiety, depression, dealing with grief and all that.
Yeah, was on Lexapro for 10 years actually. I'm very familiar with it. I said I was on Lexapro for about 10 years myself. Yeah, let's see, let me look up this Kidney. Let's see. Not there. Not kidney failure. That's good.
Okay.
See, I'm kind of peeking at some options for you here. So obviously what I have to do is I have to kind of compare and contrast your health stuff with different insurance companies. So one, see who will approve you. Because I'll kind of shop it around, look at different options for you. And then two, figure out kind of pricing based on your health here. Let me, let me plug a few things in for you and see what we can pull up. Okay. So I have, I have a company that will definitely cover the kidney disease. I wrote someone this morning, some insurance that had kidney disease. They get approved. What they—
the way—
there's a caveat to it. Like I said, they want to make sure you're not kind of one foot in the grave. And I'm sure you've heard of the programs where they kind of have that 2-year period where if you die because of that stuff, Yeah, those are, those are not bad programs. The way they work is if you, if you get, if you leave the house, if you're as healthy as, as you say you are and you're doing good, typically, um, what we see is— and you tell me how you feel about this— a lot of folks at your age, as you know, tend to die of accidental death. You fall down the stairs, crazy stuff happens. That side of death is covered immediately, right? So if you die of any kind of accidental death, it's covered immediately. Because of the kidney disease, they just want basically an agreement that says, well, you say you're healthy, but we're going to make you prove you're healthy by telling you if you die because of that in the next 2 years, that says you weren't healthy. However, if you make the 2 years, then you're covered just like you had no kidney disease, right? They just want to make sure that again, you didn't find out and there's no way to believe, there's no way to prove it, you know. So they go, all right, if you got the kidney disease, let's kind of have this 2-year interim. You'll be covered on the accidental side. What I always recommend to folks is to put that in place. Um, the sooner you put it in place, the sooner the 2 years comes, right? And the day the 2 years comes, now you're covered just like you didn't have kidney disease. So it's not a negative. And along the way, Ms. Mary, if you were to pass away, just say you do pass away in that 2-year period, it works no differently than if you took that money and you put it in a savings account, except the insurance company is going to give you 10% interest instead of basically zero interest your bank gives you. So there is a benefit to putting it inside insurance. One, they give you more interest, and then two, it doesn't— the money doesn't have to go through probate or court courts or legal fights, the money just goes directly to beneficiary that you name. So it doesn't get caught up in any of the, the other stuff when people pass away. Does that, that make sense?
Yeah.
Okay, so if you're, if you're open to that, I can certainly put you in a plan that will, that will give you insurance. And then again, my suggestion is get that 2-year clock ticking, that way you get it here as fast as possible. You good with that? Certainly I'm going to give you some pricing, but in concept.
Yeah, I want to— I'm just looking around. I want to find out, you know, exactly, you know, what I'm going to have to pay because I want to fix income.
Yeah, yeah, that's what I'm about to do for you. There's, there's only like 3 companies that will, will do that, um, Gerber, CoreBridge, and, and Fidelity. Those are the 3 that will cover that, and they're all the same way. Now, you do see stuff on TV that will give you pricing with no— you've probably seen them— no health questions, yada yada. The downside about those and the reason I don't put— I can put you in one of those, but I'll tell you the difference. They're a little bit cheaper, so you could get a little bit lower monthly payment with one of those plans. The downside is, though, when you turn 80, it's going to go up in price. And a lot of times when you turn 85, it goes away. So if you're open to the option of the 2-year wait, instead of having one of the ones that starts cheap and goes up in price over time, what I usually put my clients in is one that never changes. It's a little bit more money today than you would see on TV, but it will not go up on you as you age. It stays one price forever, and the policy will never go away on you. So would you rather have one a little bit cheaper now that goes up later or goes away, or would you rather pay a little bit more to be able to keep it forever?
I'd like to have, you know, a regular payment every month.
Yeah, where it doesn't change on you, right? Right.
Okay, okay, cool.
I just want to make sure. Some people like it cheap and they go, well, I'll take it cheap because if I die in the next few years, it's cheaper, and I don't—
myself We traded cars in April, so I have a better car I can drive.
Okay.
We had a Fiat before.
Mm-hmm.
Anyway, uh, my goal is to pay the car before I broke.
Yeah, okay, makes sense, makes sense. That's a good thing. Um, let's see, so you got the pre-need done. You don't really need a lot of insurance, it sounds like, do you?
No.
Okay. You thinking like 5 to 10 grand or you want like a million bucks? Oh no, 5 to 10 grand. Okay. I'm going to have you write down $10,000 as the first option and then we'll do $7,500 and $5,000. Let me pull up the different options. And again, the way this one will work is the pricing on this— none of them will ever change on you. The coverage amount will never change on you. And they call it— the plan is what they call whole life. So you can write that down, whole life. And all that means is it literally lasts your whole life. It doesn't run out on you. So if you decide that you want to apply for the $10,000 So write down $10,000 first. That one you can, you can get away with for only $144. Okay, if you go with $7,500, that one will run you $115. And if you go with the basic, like, or normally cremation, but I know you have the pre-need down, a $5,000 policy, that one's only $73.
3.
Yeah, so $144,000, $115,000, or $73,000. Of the 3, which one would make the most sense for you to start with, you think?
Um, probably the $5,000. I only make $1,500 a month, so, you know, I—
yeah, it's no worries.
That would be good to—
who would you have as the beneficiary of that? I don't I don't think you told me earlier.
My oldest son is my power attorney. I guess.
Okay. What's his first name?
Well, like I said, I'm just pricing right now. Okay.
Well, that's what I just did for you was price it out. That's what I thought. That's what we're doing now. You want me to show you different pricing options? Because I got more, but they're more. Yeah. So I'll tell you, I'll tell you the two other companies. So another company— I'm going to, I'm going to stick with the $5,000 because I'm going to, I'm going to show you all the pricing for them all. If I— that one is through CoreBridge, okay? $73 for $5,000. There's another company called Sika. CoreBridge, yeah, okay. That one is the $73, right? If you go with Sika, which is another company you may not have heard of. Theirs is $101. Yeah, for the same $5,000, same benefits, same plans. So nobody picks that one because it's more expensive. And the last one I tell you, you're going to hate even more because it's even more expensive than Zico. It's like $110, and that's Fidelity. So it saves you the ability to have to look around because I, I'm an underwriter for all these companies, so I can pull them all up and see all the pricing. CoreBridge is the one that focuses on folks over 65 and specifically for those with health issues that just want to put a little bit of money aside to make sure that their family doesn't have to, you know, either have nothing when you pass away or whatever. So ultimately, what I—
what I—
my job is to find the cheapest plan for you because a lot of folks try to shop around. And what will happen is if you start looking at some of them again that sound cheaper, they're going to be ones that go up on you in price down the road. So my recommendation to you would be Corbridge because it's the cheapest policy, $4,000 or $5,000, that will not change on you ever. Unless you want me to put you in one of those ones that changes on you, then you might have another option.
I don't know how much it would go up between now and whenever.
You're, you're not going to like at age 80 it goes through the roof. I can, I can look one up for you. If you went with one that is lower, I could get you into a plan for probably $60 a month. But by the time you're 80, it's going to run about $120 a month. And then by the time you're 85, it's going to be like $190 a month. Yeah. Which is not smart, obviously. And why I don't recommend it. But I wanted to save you the time from having to look at it. But I also figured I'd share it with you. So ultimately, I'm kind of like your private shopper. So I guess with that, do you prefer the Corbridge or do you want one of the ones that's more expensive?
I'll probably go with the Corbridge because it's $73,000. I agree.
I agree. And you want to leave that one to your son, you said?
Um, yeah, he's my priority, so I might as well, you know.
Okay. Now since you're on— I think you mentioned you're obviously on a fixed income and a budget— what, what CoreBridge does that I like also is they line this— you don't have to pay now— they'll line it up to come out when you get your Social Security check to make it convenient for you. Um, what, what day do you get that? A certain Wednesday of the month, or do you get it on the 1st or the 3rd? The 3rd. Okay, okay. And I assume you'd want to line it up with that. Would that make sense to you too?
Oh yeah, yeah. Like I said, I want to talk a little with my son. Okay.
Do you think— what do you think he'll— so I'll give you— can I give you some advice or feedback anyway? Here's what I've learned. I've been doing this a long time. You want to get insurance to not obviously leave a burden behind, correct? It's usually what people, people want. When, when, like, if my mom called me and said, hey, I want to get some insurance for you, here's the price. Now, I don't want to be a burden on her, so what do you think I would tell her? I would tell her not to do it because I don't want to be a burden. I don't want her to— I don't, I don't want her to, you know what I mean? I don't want her to pay for me, and she doesn't want to pay. Both of us don't want to be a burden. So what I find is when people call their kids, their kids tell them no because they don't, they don't want to obligate you to pay for that, right? But naturally, as, as parents, we want to make sure we take care of our kids, right? So I can promise you, if you call your son and ask, there's a high, high chance he'll say, Mom, I'm good, I'll figure it out. Yeah, yes ma'am. So the question is, do you want to take care of leaving some money behind for your son, or do you want to give him the opportunity to tell you no?
Yeah, we talked about this last year when he and I made my will. Um, he, um, looked around for life insurance, which I said I had.
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Since I was 30. Anyway, um, he said might as well put the amount that you would be paying in a savings account.
Yeah, so if you take $73 and you put it into a savings account and you die in 6 months How much will you have? Okay, what if you die in 2 years? How much are you going to have? Significantly, significantly less than $5,000, right?
Right.
And so it takes, it takes typically a decade plus for that break-even point to work out to where it adds up to what you can save. And then usually when people have to go the savings route, they let life get in the way and they forget to keep saving money, you know what I mean? Whereas insurance guarantees it whether you die. If you put $73 in with the insurance company and you die tomorrow, how much will your son get, right? If you die— well, in this case, after the year, 2 years, he gets the full $5,000 right away. You know what I mean? And then the cool thing is for you, Miss Mary, if let's just say, I don't know, 5 years down the road, I don't know, you hit the lottery, your son hits the lottery, you decide you don't need it. These plans do build cash value, so you will have some cash in the policy that you can then cash out down the road. It's not dollar for dollar, right, because you do have to pay for the insurance, but you don't get stuck with zero because it does build up some cash value over time. And keep in mind, the interest rate with the insurance company is 10%. Do you know what it is with your bank? It's like 0.2. So I'm not one to push someone to make a decision, but I'm going to push you gently to do what I think you know you need to do. But I want to make sure you're comfortable with proceeding.
Yeah, what I want to do is I'm going to go back through my bills, okay, and see— I don't know how much I'm going to get increase in Social Security, I don't know, um, see what I can fit in my budget.
Well, the good news is the way they work is they take it out on the day your Social Security comes out. Which means then you get to go back to your bills and go, all right, well, my insurance is paid for. My— you don't have a car, you don't have a mortgage. I got a— you got a car note. Yep. So your car note will be paid for. Obviously that's a priority, right? Insurance would come out because it comes out with your Social Security. And then from there, now you get to look at your bills and go, well, shit, here's what I got left. I got to cut something else out.
Yeah, insurance. I got home insurance. Yep.
Cutting, cutting the— making the insurance the last bill means you'll never pay it because you'll always prioritize something else. So what I always have clients do is put the insurance in, and you then you go through your bills and figure out how to cut something else out. That way your kid gets the money you want them to get.
Right.
Are you okay with that? And you don't have to pay me today. I don't need money. We just line it up with your Social Security date.
Did you call me back Monday after I bounced my bills?
I, I can if that's, if that's what you want to do. Can I— I can, I can get you an approval today and get you in place, and then if you decide this was a really stupid idea, you can cancel it, which I hate giving people that suggestion but I don't think you'll do that. I think once you pull the trigger, you'll be, you'll be comfortable that you made a good decision.
Okay, I could do that.
Tell me your son's name so I can put him down. All right, and you said you get your Social Security on the 3rd, so the policy will not go into effect until the 3rd.
I do want you to call me Monday, make this You can put this on hold, right? Until I come talking.
Yeah, I mean, if, like I said, if you decide you don't want it, I'm never going to force someone to get a policy. Well, I guess my question is, outside of just kind of nerves and making sure budget, otherwise you're fine with it, correct?
Yes.
Okay, good. As long as you're good and like, I just want to make sure because I don't want to push you at all. You know, does that make sense? Like, if you somehow go like, holy shit, I forgot I have this massive bill I forgot about, you know what I mean, or medical, all good. But if all things being equal, you're good with the policy and you're good with the price and it's just a hesitation, I'm good putting it to start. And again, if somehow it— but if you think for sure Monday you're going to cancel it, you can just tell me now and I definitely won't even input it. But if you're pretty comfortable with the pricing, as long as you're comfortable there, I don't mind helping you set it up. And I— you, you always have the ability, Miss Mary, to cancel anything. Because the insurance company will be happy to not cover you if you decide you don't want to pay, you know what I mean? Because they're not obligated. So with any insurance, just like your homeowners, you could call and cancel today. Your car insurance, you could call and cancel today. You can call and cancel this any day. But if you're 100% sure you're going to cancel it on Monday, I'd rather not put you through the process. But if you're pretty confident with the price and the face amount, I think we can put it through. And then yes, I will follow up with you on Monday if you're good otherwise. Was.
Okay.
You okay with that? I want to make sure you're comfortable.
I just want to make sure I can—
Yes, ma'am. Yep, I got you. I do. I talk to people all the time, and I, I understand the hesitation. 99% of people are thankful after they make the decision. So next, and do you prefer it to come out of— do you use a checking or savings, or do you use the little government card. All right. No, no, no, no, no. Do you— would you like the policy delivered to you by email or in a physical in the mail?
Mail. Okay.
Right, last step. I'm going to have the insurance company— is going to send you a text here in a second, and it's going to just have you go through on your phone. I'll walk you through it. It's pretty easy, but it'll have you Log in and sign electronically. All right, you should have in your phone a text message now from a toll-free number. You'll see if that is there, and you'll see it'll say CoreBridge Financial about applying for your insurance, yada yada. Let me know when you see that. All right, you'll click on that. It's going to bring up a little box for you to log in with the last 4 of your social.
I see, click wrap, your browser pop-up blocker is currently blocking this site.
Yep, you should be able to hit like yes or close or something for it to proceed. You scroll down until you see a little yellow box and hit, check the little I agree. Let me know when you get through that, and you should at the end get a signature complete message.
If you're finding ceremony, electronic signature confirmation.
All right, let me refresh over here, make sure it came through. It did. Good job. I have your confirmation and a policy number here in just a second.
Okay, it says view copy of signed application. Do I hit that?
No, you don't have to. You can if you want to, but you don't have to. It's just the personal information of yours I typed in. Your, your side is all done. It's going to refresh over here, and I'm about to send you a text message in just a minute with your new policy number. That way you have it. And you have your pen and paper handy? All right, I'm gonna, I'm gonna make sure you write down my full name. I said John, J-H-O-N. Okay, easy to remember. My last name, probably not the same, is Wetmore.
Wetmore.
And my cell phone number is the one I'm calling from. It's 678.
Yes, I can save it.
Yep. So this, this number that I'm calling you from is my cell phone. I want you to save it under my name and put John Wetmore Insurance Guy or something like that. And then I'm going to send you one more text. This is going to come from my cell phone directly. There's going to be a little picture in there. I just sent you a screenshot of your policy number with your name on it so you have it just for your records as a temporary policy until they send the new one, the physical one, in the mail to you. Let me know that you got that text though.
I got it.
Yep, you see the— yeah, and you see the application policy number, the 625 number?
Yes.
Yep, so that's your policy number. Just save that text just so you have it. They'll mail out a physical policy just like all your other insurance your car insurance, your homeowners, they'll mail you a packet in the mail. You'll get it in about 2 weeks. Obviously, the holidays, mailmen tend to be a little slower, and sometimes they lose some things. If you don't get the physical policy in the mail within 2 weeks, I want you to call me back, and I'll make sure I can— I'll download and email you one, worst case, and, and have them resend you one in the mail. But almost always it makes it. Sometimes the mailman's a little bit late, though. So, um, it's scheduled to come out on the 3rd. Again, if you call me and you're like, I hate you and I don't want it, you call me, I'll cancel it. It doesn't affect me one bit. But I feel like outside of that fine and budget thing, do you feel good getting you a policy in place?
Oh yeah. Okay. Okay.
I just, I just want to make sure we're on the same page.
Want to go over my budget stuff and see what I can afford?
Yep, you do it. It's, it's in there. And just what I want you to do when you look at your budget stuff is remember to prioritize the insurance and see if you can find something else to knock out, like some, I don't know, Mexican food or something or whatever. I don't know, right? Find something, find something else, and, and don't find a reason to cancel this. Now, if you do, again, it, it doesn't affect me. It affects you and your family more. I get paid either way. I'm just an underwriter over here. I make money whether you keep this policy or not. So outside of anything we talked about here, any questions for me while I got you on the phone, Miss Mary?
Uh, no.
Okay, if anything comes up, I want you to let me know. And then if you'd like to call me on Monday either way, even if you want to give me a thumbs up, thumbs down, tell me you dislike it, anything you want, chat with you on Monday, and if you don't call, I'll just assume everything's okay and you're gonna go forward, okay?
Okay.
All right, any last questions for me, or you good?
I'm good.
All right, Miss Mary, I'm glad you were able to leave some money behind for Ricky, and if you need anything from me along the way, you let me know, okay?
I sure will.
All right, Miss Mary, you have a great day, okay?
You too.
All right, thank you.
Bye.
Does that help, Brandon and Remy? I want to push, I'll fucking push. I don't want to push, I won't push. But you, you gave her the outs. I mean, everybody has an out. Yeah, yeah. So I mean, if she didn't want it, she— you gave her 20 opportunities to say never mind and hang up. 100%. Yeah. And I know people are people, man. People are indecisive. People don't like to make decisions. People procrastinate. She's been procrastinating 76 fucking years. You know what I'm saying? And she applied for insurance last month, so I know she wants insurance. People are just hesitant to pull the trigger, just like Brandon's hesitant to pull the trigger to quit his fucking job. Remy's hesitant to pull the trigger to buy some fucking leads. Daryl's hesitant to pull the trigger to fucking make phone calls at 7 in the morning. Everybody's hesitant to make decisions. Who we are as humans. I'm hesitant over some shit, you know what I mean? I've just learned to beat myself over the head to make decisions. Because I know we're all fucking broken. And so when I know— when I'm comfortable that the main problem is making a decision, I will push. If I really thought she couldn't afford it, I wouldn't have pushed. She has no fucking mortgage, dude. She has no bills. You know what I mean? Like, she's got the money. She just didn't want to make a decision. And I can force her this. I can go like, no, you're gonna make a decision now. Her decision could have been no. I told her she could say no 58 fucking times, you know. So if I'm comfortable with it, dude, I'll push. And again, it's fucking $70 at CoreBridge. I make no fucking money. I promise it ain't for me, you know what I mean? Yeah, I'm gonna make $300 on the policy. I don't give a shit at all.
So you're cool with her? I mean, she did fucking cancel on Monday early or whatever.
Yeah, because who cares? I was cool if she didn't write it. I was cool if she fucking hung up on me. I'm cool if she cancels on Monday. I don't give— it's her family, dude, it ain't mine. And I write enough applications that I don't give a shit, you know? But I am gonna—
that's the hat.
Hm, go ahead. No, go— you're good.
That's a hat trick for the day, isn't it?
That's at least 3. At least 3. And she's like, I gotta figure out my budget. I'm like, cool, figure out something else to fucking drop. And I've made a joke about Mexican food and she laughed. Why? Because she knows she spends extra money on shit she don't need. Like we all remember.
Yeah, I remember you saying that along the line somewhere where you're like, yeah, list of 10 things, right, that need to come out. And you typically, the average agent will have it be like the last thing, right, the life insurance. And you want to bump it up to like 3, 4, right behind the insurance, like the mortgage or the car payment.
And I just walked her through that same thing. I was like, you don't have a mortgage, you have a car. Car can be first, fine. Make insurance second. When you go through your budget, put insurance second. Don't try to figure out what's left for insurance. Fucking cut something else out. I told the lady this morning to quit smoking cigarettes, you know. I was like, fucking give up a pack or two a month.
You can—
you'll be fine to afford the policy. She's gone 76 years and ain't fucking turn homeless. She'll figure out a way to pay the fucking little $70, you know what I mean? Something will get cut out. I'm not worried about shit like that.
I was thinking about that the other day with her cigarettes, because I started doing the math with her cigarettes and I could tell she seen where I was going with it. She just got pissed off and hung up on me. It's like, you don't want to give it up, that's you.
You gotta deliver it right. I joke with people a lot though. I mean, you hear how sarcastic I am with these fuckers. Because I'm nice about it, you know what I mean? And ask permission a lot. And I don't know, just lots of conversations. I've just had obnoxiously more conversations than all of you. I've probably had more conversations than most people on here combined, you know. It's just— it is what it is. So y'all just got to put in the fucking dues. That's literally it. This isn't that deep. And you're watching Craig do it. Y'all ain't figured that out? This motherfucker's selling his face off. You don't even know what he's doing still. Burgundy, she's been selling a good bit. I don't know if she's in here. She's been knocking some stuff out. Fucking Daryl's figuring out how to sell, you know what I mean? They're like, some people are figuring this shit out, and it's just they're getting out of their head and getting reps in. Are you going to get nos? Yes. Are you gonna get hung up on it? I mean, stop. Yes, of course. Fuck, who cares? Y'all are just like the clients that we're trying to serve in a lot of ways. We're all that way. I was that way when I was new too. You know what I mean? We're hesitant. We don't like change. It's uncomfortable. It's, you know what I mean, navigating things is, is funny. It's just learning to not, not accept your own shit sometimes.
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