I Sold Insurance In Person For The First Time in 6 Years.

What up, y'all? John Wetmore here, getting back into sales. I'm going out into the field again to see what it's like. I know a lot of y'all doing telesales, but I got this sucker now. So during this, you're going to see my crew driving me around. I had two split up the day, take me to houses, made some sales. Watch the video, see what you get. Hey, Miss Catherine.

Yeah.

Hey, it's John over at the Benefit Center here in Hiram. How are you? You had sent in a little postcard to us, but your phone number wasn't working. I was coming to bring you the information. What's this about? It's about the burial coverage that you had sent in that little postcard. I already got some. Yeah, they had me bringing out the new updates to you, so I was trying to verify your phone number.

I've already got insurance now.

Yeah, no, this is the new one you requested. I haven't been here. Can I bring you the little postcard to show you? I have it in my hand.

Yeah, come on in.

All right, thank you. Oh shit, he said, oh, I hope you got a sigh on that. Good morning. Good morning.

Hey, hey, how's it going?

Good, how are you?

Good.

Can we close this, leave it open? Oh, you leave it open. Leave it, leave it, man. John.

Frank.

Frank, nice to meet you, man. You want to do a table over there? Sure. How are you, sir? John.

Bill.

Bill, nice to meet you, Bill. What's the relation?

I'm taking care of him, he's my younger brother.

Okay.

Yes. No problems.

Yeah, yeah, makes sense. Yeah, we can come hang if you want. Do however you want.

Yeah.

How are you today? Y'all having a good morning so far? Yeah, yeah, yeah. Okay, that's right. You remember, you remember setting that thing in?

Yeah, that's me.

That's you?

Yeah.

Cool deal. I guess y'all looking for some insurance, trying to clear that out?

Uh, well, we've been researching it. Yeah. And, uh, reminded about all the life insurance. Yep. Yep, that's so—

I'm licensed with the state of Georgia to do all types of life insurance, life insurance, retirement planning, burial coverage, all that type of stuff. Yeah, so they send me around all day telling people these— are you trying to get coverage? Tell me a little bit of what you're trying to accomplish. Let's start there, because I'm an underwriter, right? So my job is to figure out what you're trying to accomplish, let's figure out what programs are available in the state, regulated, that you're eligible for.

So you work for the state government?

I'm licensed by the state. Oh, so I'm an independent licensed insurance agent. And so we represent all kinds of different insurance companies and it's regulated through the state.

Uh, I guess we're— I don't know, life insurance, probably pretty expensive. I've got the money to bury everybody. Okay. Because I don't know how long she's gonna live. She's doing cancer treatments right now. Your wife is? Yeah. Go away.

Shit. Okay, what's, what's, what kind?

Well, she's got— she gets, uh, chemotherapy.

Chemo.

Got it. Twice a week. Got it. My wife did, uh the radiation. Yeah, wow. She's had that breast cancer 20 years. He's been having it off and on.

Really? Yeah, my left side at 40, first mammogram. She's good now. I mean, you're not gonna wait to check every year or whatever, but— Okay, so what— do you have any insurance? I know you got money, you said, to take care of everything. What do you have, um, for insurance in place, if any?

No, no life insurance.

Not at all? No. Okay.

I was a poor person.

Got it.

What'd you do? Uh, I worked— I started out in the Army, 16 years.

Got it.

And I, I kicked me out for too much time in grade. I was a lower ranking person.

Got it.

Didn't pay good. Yeah, yeah. I mean, I liked it, but it just didn't pay good. And then AT&T for 16. That's the only job that paid.

Got it. Yeah. So burial, explain kind of how It's mapped out for you now. You pass, she pass. It's just take cash out of the bank account, pay for it kind of thing.

Yeah, that's what I was thinking about. I was thinking burial insurance when I saw that.

Have you looked at insurance ever?

I do.

Okay, what'd you think?

What's that?

What would you get for pricing? You have—

oh yeah, yeah, right there.

Pretty cool. I don't know.

Yeah, all kinds. Here's one right here.

Yeah, I'll tell you, I see a lot of these.

Yeah, AAA. And I was thinking about going through where I got my 401k and everything, is, uh, is, uh, getting it from them. Fidelity.

Let's see. No chance in winter training class. Yep, you got your pricing here.

Yeah.

These ones, I'll show you. All right, so this one here, so I'm going to show you some stuff. You read pretty good with those?

Yes.

All right, read this first line right here, that first sentence.

Once this insurance is in effect, you can keep it until age 80. Okay, now see, that's only 6 years away from me.

So my suggestion is you put that one where it goes, the trash can, because that one's going to go away. Yeah, let's see if we get— that's, that's going to be— that's the same thing. Yeah, it's all in one. Yeah, it all came together. I see.

Yeah, just put them out the way you want. Sure.

Yeah, and then we'll see some of— every once in a while you can get one that's decent. Oh, that's just one more. Let's see what you got here. Oh, this is AAA too. Yeah, yeah, that's the same thing. Yeah, so now are you— I obviously, it'd be ideal for you to have some, some coverage for Cynthia. Are you looking for yourself at some point? Tell me a little bit about your health.

Oh, mine's pretty good.

You got pretty good?

Yeah, I'm lucky.

Do you take meds for anything?

I have high blood pressure, but I really don't think I need it anymore because I used to weigh 240 and I've gone down to 175. Yeah.

All right, so nothing with cancer, heart attacks, none of that kind of stuff, diabetes, kidneys, none of that. You're good.

A lot of cholesterol.

She's current cancer. Um, so a couple options, um, and, and certainly you could, you know, kind of figure things out how you want to do it. What a lot of folks do when there is current cancer, you can get some coverage, right? They're going to give you a waiting period to make sure that— I'm sure you've seen some 2-year waiting periods. Those are typically standard. So you pick an amount of burial If anything happens in a 2-year period, you get all the money back plus interest. So you don't lose, right? There's a general concept how they work. If you make it 2 years, you're fully covered as if you never had health issues whatsoever. They just want that little buffer to go, we're willing as long as it's not deathly, you know what I'm saying? A lot of people do that, and those are really critical to make sure you start that 2-year clock as soon as you can.

Yeah, right.

Because if you keep putting that off, it gets delayed further.

Yeah.

So the quicker you can get to that period, quicker you're fully covered. Oh yeah, no, you're good.

Does that make sense?

So that's the type of plan that we could look at for her.

Yeah.

Now for yourself, if, if we're looking for something— yeah, that's just—

there we go.

Oh, another car. Yeah, I'm in the driveway too. Um, you know, for yourself, the ideal situation for most clients is to have something that not only runs past age 80, right? You try to get something permanent, something that doesn't change in price, something where coverage doesn't go away or change as you age, like that one. Um, and ideally immediate coverage, right? So most of the plans, especially if your health is as good as you say it is, you can actually get coverage like today and have it in place. And it's just a matter of kind of looking at pricing and figuring out what makes sense for your budget. All right, so that's kind of where I come in is, all right, let me shop it around, plug it in the computer, look at options, and then you pick whatever plan makes sense. Does that kind of make sense?

Sure, yeah.

Okay, any questions on it? I wanted to make—

Well, I got a pre-honorable discharge, and one of the benefits of an honorable discharge—

Yes.

Oh, you go for the VA cemetery?

Sure.

Yep.

So some pieces you don't have to pay for. You don't need quite as much insurance as the everyday Joe. Yeah. Um, I assume you know they don't cover everything, everything, right?

Yeah, they just give you a hole in the ground.

Yeah. Do you guys have Wi-Fi here by chance?

You do?

Is it easy to connect to? Oh yeah, if I, if I use yours, it'll be better than my phone. That's where it take me. Give me one sec.

It's a long number to plug in there to get it.

Do you have it?

Let me go write it down. I can go write it down.

You can, if it's not hard. No, it'll make it quicker if I do Wi-Fi versus my phone internet. You have a good morning, Miss Cynthia.

Uh, yes, thank you.

How are you? I'm hanging in there. It's nice weather out. Oh, I know, I love it. Yeah. Sorry to hear about the cancer treatment. Yeah, has it beaten you up or is it not too bad?

Uh, well, it's every other week. It makes me feel bad. Yeah, but I get a break to build myself up.

Every 2 weeks, not too shabby. Is it breast cancer again?

Yes, metastasized to my bones.

Ah, got it. Tough, tough.

Yeah.

I don't know if you overheard, my wife got breast cancer at 40. First, first mammogram.

Oh, that's her first one at 40?

Her first one.

She got—

it's been 7 years now. She's free. She had, uh, surgery and, uh, radiation, so she's been 7 years out of it.

7?

Mhm.

That's good.

Yeah, still gets checked, you know, every 6 months or year depending on which doctor.

Still goes.

Um, I don't think I got checked The whole 20 years, 'cause I had it in 2004.

Oh, wow.

Me and my mother got it almost the same time.

No kidding.

Hers came back too, and she passed away 2 years ago.

Wow.

Hers also metastasized, but it traveled also to her throat.

No way.

But she was a smoker for years.

Yeah, that's my grandpa. Died of that same throat cancer. Got him.

Really?

Yep. He's a big smoker, heavy drinker, a big smoker. And by the end, he couldn't even talk. It was so bad when he was passing, you couldn't hear the voice. That, yeah, it was a mess. Oh yeah.

Yes, the way it was my mom.

Yeah, that's rough to see.

It's, uh, stressful to take care of them. Yeah, because I mean, you love them, you don't want to see them go through that.

Yep. There you go. Awesome.

Yeah, that's the password.

Which name? Um, like 80 of them. Yeah, how many there are? Do you know it? Sure.

Uh, yeah, I might have to go— maybe that might be it, right? It's AT&T.

Do you know which one? Um, yeah, 3 of them.

You sure?

Yeah, yeah, look on your phone. It's the last 3 letters. I believe that's it.

I think it's— I think it's not gonna work. It's probably one of those others.

I'm pretty sure I wrote it down right.

Yeah, there's just so many of the AT&T ones. Yeah, I wonder if it's not— yeah, you do? Oh, you have the whole thing?

Yeah, I can't see it from here. It'll—

it's not— it'll pop up in a second when it— when the error comes, it refreshes everything. It looks for the new list.

Let me see your phone a second. Can I see your phone a second?

Oh yeah, there you go.

Mine's upstairs.

The 5P7? Yeah, that's the one we were trying.

Yeah, that's it right there. ATT 38.

Oh, that's the password.

Oh no, right up here.

Yeah, the passwords are here too. Let me try that. Oh, that's different. Oh, that's totally different. Let me try that one. Let me see that.

That's right. Yeah, let's try it.

Six.

Try it. Maybe question— I got this one off the back of the modem, so maybe they've changed.

Mark 6. It's weird because it clearly said the password right there.

Yeah, yeah, I don't know what that is. Why it's different. It's different on the back of the, uh, It's so weird.

Yeah, I don't know the answer. Nope, that didn't work. I'll just connect to my phone. It's okay, it's all right. I'll just do it on my phone. There we go. You're working. That's my phone, it's coming. Here we go, now I'm connected on my end. There we go, it's a little bit better. All right, and let's see, I got you down— are you still 73, she's 64? Yes. Non-smokers, right?

Right.

Perfect. Let's plug this in again there.

Cynthia, here's your phone back if you want it. I'll put it right here for you.

Do you have any rough idea of burial costs and coverage amounts? You might be kind of running between your brain a little bit.

Oh, um, Thinking about buying a couple of plots. So I've already got a plot for my brother.

Okay.

For him.

Okay.

And, uh, I'm thinking about maybe buying a couple of plots here for me and Cynthia.

Yep, makes sense.

Yeah.

Have you seen pricing of like funerals and all that jazz?

Yeah, like $10,000, $20,000 a year.

I mean, you got some of it paid for already, so it's not gonna be near— yeah, near as bad for you, but I really wish this internet would come a little quicker. This is usually way faster for people.

But that's just for the embalming and burying you, right? Yeah, $10,000.

Yeah, I mean, it, it certainly includes— for most people, they have to pay for the, the hole in the ground, essentially. Some people already have like the casket and stuff figured out. That's why it's between $10,000 and $20,000. Depends how much of that stuff they have already filled out or taken care of and how many— how much they don't.

She doesn't want to be buried in a VA cemetery.

Cemetery. Yep.

Okay. My grandfather's in one. He was in the Army too, but they were really kept up nice.

Yeah, yeah, yeah. I've heard good things about them.

But they don't bury next to each other, they bury on top of each other.

No way.

Yeah, they would like a few— like if I died first and then she died, she goes right on top. On top. Yeah, and she'd be on the back of the stone and I'd be on the front.

Ah, kind of neat.

That's what I did.

My grandfather go to final bed together.

Let's see.

All right, I'm, I'm going to put hers in first. We're in Georgia. She is 64. No nicotine. We're going to go cancer. Cancer. Uh, where is other last treatment this year?

Yeah, I've already got a woman up there. I got to contact her about two plots.

Okay.

Yeah, I might just get buried here.

Y'all been out here a long time?

Uh, no, 5 years in Paulding.

Okay, got it.

Yeah, well, I'm from Atlanta though. Okay. I used to live on the other side, Tucker.

Got it. Oh yeah, that's out there. Yeah, you're about my, uh, father-in-law's age and he grew up out here.

That's a nice area. It's kind of quiet. I like it that way.

Yeah, it's great.

Yeah, Norcross is getting too crowded for me.

Yeah, we've been— yeah, it is crazy out there. We, um, we were in Paulding County forever. My wife, born and raised in Hiram, her and her family. Um, we used to live off Ridge Road. Yeah, I lived there for years. We've since moved to— now we're in Marietta.

Yeah, yeah, yeah, it's still pretty nice.

It is. Yeah, we got some land, we're on acreage, so it's not too bad. Um, all right, let's do that one. That's probably combined, that's going to be the best option. 2 years easy. Plug in a few different amounts. I'm going to show you a few different range. I'll pull up yours as well.

Oops, couldn't get your laptop to work.

It's just quicker on the phone, to be honest, I— it— because it connects through the phone. So if I can't get on your Wi-Fi, I have to get on the phone Wi-Fi, and I may as well just— yeah, I may as well just do it from here.

Is that an iPhone or—

it is, yeah, it's an iPhone. So the hotspot, it's quicker to just do it here than mess with this, but I will have to do some on that in a minute. And, uh, let's see. Okay, and then I'm gonna look your stuff up. Put you in. No cancer for you. Male, 73.

Yes.

All right, put your height. How tall are you?

Uh, 5'11", almost 6 feet. 5'11" and a half.

I guess 6. I thought you were there.

Almost. Yeah, when I lost weight, I shrank a half an inch. Did you? Yeah, in height.

Yeah, I watched a video yesterday, said if you measure yourself standing up and then you measure yourself laying down, you'd be taller laying down. I know that. Yeah, I saw some doctor doing it for people yesterday.

Spreads you out.

Yeah, yeah, yeah. Alright, $73 if we go— which option you are? Let me see which would be the cheapest on your side. Trans is pretty good. Each of them are a little more expensive. That one's more expensive. Nope, these are gonna be the best one for you. Transamerica. Assume you're familiar with Transamerica. You heard of those guys, Transamerica? You know the names? You probably get seeing some stuff from them. They advertise. Transamerica, the insurance— yeah, yeah, Transamerica Insurance Company.

I never heard of them.

They're huge, huge. They cover a lot of seniors. Yeah, they're one of the biggest out there. I'm surprised they do a lot of stuff on TV, more TV ads than mail.

I don't think I've ever heard of them.

Transamerica, yeah, they're one of the biggest out there. They're up there with Mutual of Omaha. Mutual of Omaha, Transamerica. Mutual of Omaha is a little more expensive because of their name. You could pay for all those TV commercials.

Yeah, yeah, I've heard of Mutual.

Yeah, he got like dementia and stuff.

Uh, no, he's got schizophrenia.

Oh, got it.

And then they put him on this medicine for— he's been on olanzapine, now he's got side effects from that, which Yeah, I've heard of that. I mean, used to smoke, he's got COPD.

Gotcha.

But he's got, uh, what do you call the shakes?

Yep, I forget what— I know what you mean, from the med. Yeah, it's like, uh, uh, what's the word it's called? That's the Michael J.

Fox has that.

Yep, uh, Parkinson's.

Parkinson's. Yep.

Yeah, craziness. That's sad. Can you talk at all?

A little bit.

Little. Yeah, got it. Oh yeah, I think I heard him say someone was here.

Yeah, that's right.

All right, cool.

Sometimes he acts like a normal person, and other times it's like he's somewhere else.

It all depends on the meds, the timing and stuff. Yeah, I have a lot of clients that have it, schizophrenia, and I've seen some do really well, super functional, and they go through phases. All right, so this is for Cynthia, for yourself, right? We kind of separate it down the middle, and both of them are the same, $10,000, $15,000, or $20,000, right? Now remember, hers will have a waiting period. Right. So first 2 years, it'll, it'll accumulate interest. You make it 2 years, the full coverage amount, and you can pick lower, higher, something in between. But the default is $10,000, $15,000, and $20,000. That's kind of what the computer spits out.

Okay.

So if you did $20,000 for her, $111. 15 is $84, and 10 is $57. On your side, obviously age comes into play and you're a guy. So we're older and males, we pay a little bit more for the insurance. $20,000 for you, $168. 15 is only $127,000. If you do $10K, $86,000. And these programs go down to 5 or up to 40. And so you can pick something in between if— okay, something like that. So ultimately the process now would be what makes sense for you budget-wise, and then my job is to help you qualify for the thing, plug it in and go through the underwriting process. So I guess, what's your, what's your thoughts there?

I'd have to think about it. Um, jeez.

And some people start with one if one person's more important than the other. Some people do it that way.

Yeah, she would be most important. Yeah, I don't know if I'm going to outlive her or not, but yeah, I could.

It's possible. It happens, happens every day, especially when you got the health battles, you know what I mean? It's like— and here's what I always tell people too, is it, one, it only gets more expensive as you wait. Yeah, you know, um, and you do have to qualify for them, so there's a process. And so what I usually tell people is, if you know you're going to get something at some point, get something small so you got it in place, you have some coverage. Because the second you have a health day, you know very well you go to the doctor tomorrow and they'd be like, well, now you have X. Yeah, these all come off the table, you know. And for her, you really just want the 2-year started instead of dragging that out. So, you know, typically that's why I kind of tell people is like, stay on the low end of budget, and if you have a waiting period of some major health issue, get something, get something.

Hopefully she'll be around a couple more years.

Yeah, and that's the goal. Yeah, that's normal. And again, worst case, it goes into savings, it goes into an account where it accumulates interest in the meantime, so you don't lose.

Yeah, but it's how—

so how quick can we get the clock going? Yeah.

So if she, let's say, heaven forbid, she dies a year and a half from now, you get all the premiums, whatever the math is.

$57 times 18 months, right? So what's it, $1,000? Yeah. Plus interest, which again, it's not gonna be a lot, but it's, it's interest. Yeah. Yeah, you get every penny back. And if you make it through 2 years, the very first day you hit 2 years, that anniversary, is full coverage.

Yeah, yeah, uh, yeah, $57 a month on 10 grand. Yep, 10 grand.

Yep.

Can I think about it and call you back later?

You can if you want. I ain't out here very much. Yeah, they send me all over the place.

Yeah, huh? I'm talking about, you know, just talking to you on the phone or something.

Yeah, yeah, yeah. If you, if you ain't ready to push now, I ain't one to push you. I mean, obviously the, the goal would be to help you get it done on, on the spot so you don't have to stress over to think about it.

Yeah, but well, we just have a problem with quick decisions.

Yeah, yeah, it seems like every time I make a quick decision—

there's 74 years in, buddy, it ain't that quick of one now. This has been a long, slow one. Yeah, you know, and again, for me, it's— I get paid just to show up, so I— it doesn't— it is what it is. Yeah, um, you know, I do see a lot of people though that want it and they think about it, and by the time they make a decision, it usually a health issue triggers something, and then it turns into waiting periods and delays and more expensive. And, you know, think about how long you've been playing with those papers.

Yeah, they've been sent— they sent them to me every month.

Yeah, so again, no pressure. Yeah, I do see a lot of people put it off and then regret it later. So if you know you're interested and you want the I can help you if you're, you know, it's not your thing. Again, I'm not the sales guy, so I don't— I get paid either way.

Yeah, Cynthia, I was thinking about getting it for you. Uh, we can't lose on it. He says if, you know, we get— he says 2-year waiting period, but he says we get it back If you say died, heaven forbid, a year and a half from now, we'd just get what we put into it with interest. Okay, so we can't lose. It's not— can you say it?

Yeah. And then at the 2-year mark, it's officially fully covered. Yeah. Yeah.

Since I'm not getting financial— just a second, okay? Just since I'm not getting financial help anymore, let's Thank you.

I think I was definitely going to get it for her. This would just like, you know, well, $10,000, you just get $10,000, right? Yeah, that would cover the embalming. We buried my mom a couple years ago. I think she cost about, I think, $10,000 or $15,000, something like that.

It's pretty common.

Yeah, but she already had a plot and everything.

Yeah, man, it's only going up in price. Yeah, 10, 15, 20 years from now, it's gonna be up there.

Oh yeah, I'm sure.

So it takes 5 or 10 minutes, I mean, but I want to make sure she's good as well, you know. Yeah.

Oh, we can't— I'm gonna go ahead and get one for you. Okay, okay.

Can you cancel anytime? Just in case?

I mean, you certainly— you're welcome to. Obviously the goal is to keep it, but life insurance is a one-way street. If you decide to stop paying, they're more than happy to stop covering you, you know what I mean? They don't, they don't care. I mean, that's so technically you can cancel anytime you want.

Now something's happening, you know.

Yeah, I mean, again, if you pay it for— the problem, what I tell people is if you pay it for years and years and years and you cancel, you don't get a ton of the value back, you know what I mean? It builds cash value though over time when you keep them. So let's say, yeah, We can help you with that.

2 years?

Yep.

Where's my phone? It's there. Cynthia, how do you get in your phone?

Uh, 5841.

5841. Where's your computer? Here it is.

For those of you that have followed me for a while, you know I've helped build this agency up to over $200 million in 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 see if I'd be interested in working with you. DM me, hit me up, whatever you like.

See, wait a minute, let me see something. Is that 925792?

Yep. All right, that's '82. Oh, '82, I think. Hold on, it's upside down. No, that's a '92, you're right.

Let's see, so At 2 years, let's say she died at 2 years and I've only paid, you know, if I paid the $5,792, that'd be $1,390. Yeah, I would get $10,000 if she makes it 2 years.

Yep. If she makes it, say, 23 months, you basically get $1,000 or whatever it is, $1,300, right? So the second you make 24 months, it's $10,000. Okay.

All right, I want to get it for her.

Okay.

I've got hopefully, you know, I've got plenty of money right now, but 10 years from now I might be broke. Yeah, yeah. You never know what's going to happen.

Life happens.

Yeah.

Let's see, let's start a new one up.

Of course the Russians could nuke us and that, you know.

It's true. It is crazy happening stuff right now.

Yeah. How many times is Putin going to say it before he does it?

Bro, I agree.

That's what scares me.

All right, let me get her full legal names. Not terminal.

They'll just send me a bill or shit, dude.

So what'll happen is you either put a— you put a payment information on with them and they just bill it monthly, just automatically. You'll get a— you'll get a full policy in the mail just like any other insurance policy, your homeowners, your car insurance. They mail a big binder, okay, out to you within a couple weeks, and then it just automatically comes out of your mouth. Yep. Let's see, we're at 70— is that a home number or cell? Is that the number you prefer I put on file?

Yeah, that's it. That's mine. No, she's got a number too. Hers is, uh, do you want to put hers on file or yours?

What do you prefer?

Uh, it's for her, so she can call her and let her know. I've sent something. Wait a minute, let me, let me get it for you. Hang on a second.

Yep, you're good.

Um, hang on, man.

Wait a minute.

I don't ever call her.

No, I get it.

Yeah.

This happens to all of us now.

Yeah, I just hit the thing and it dials her automatically. I don't ever think about the number. Where is she? It should be right here, the number.

If you show me the one you hit, I know what to click to get it up.

Yeah, if you have your phone, your connection, you have a favorites.

You probably have favorites, right? Is she in here? Uh, she's not your favorites.

All right, let's see, let's see.

Husband. Uh, let's do this. This is under her name, Cynthia. Yeah, Cynthia. There we go.

Yeah, that's it.

Yeah, that just has her email. Is she right here? Yeah, I'll just—

Cynthia, what's your number? What's your number? I'll let you give it to me.

Okay.

What's your email?

Uh, okay.

And last 4 of your social. I assume you want this thing to go into place immediate, to start the clock?

Sure.

Yeah, yeah.

Like you said, the longer we wait, the worse it gets.

Hey, when you get a cough like that one—

yeah, he does that all the time.

Yeah, yeah.

My mom took care of him for 50 years. Now I got him. She passed away a few years ago. Yeah, that's tough. I didn't have the heart to put him on the street. He wouldn't last long on the street.

Yeah.

Yeah, you ain't got enough brainstem.

My mom— I had an uncle similar. As an adult, my mom's family had to take care of him. I got like, like 45. He passed away though, like super young, just with the schizophrenia and the bipolar, all that stuff.

Yeah, usually it takes you out at a young age. Yeah, didn't do that with him.

Yeah, let's see, we got nothing here. Uh, you got no schizophrenia, Alzheimer's, dementia. You're not using oxygen. No. Let's see, for the last 5 years, yes on cancer. Last 5 years, no ALS or anything, I assume? No, nothing. No badness, drug abuse, no cigarettes?

I got a little bit of arthritis, but that's about it. Feel a little stiff in the mornings.

Yeah.

Forcing, nothing major.

Yeah. Perfect. All right, let's go. Have your phone with you. It's gonna— it sends a text link even though we're sitting here. The technology today, it's going to send you a text here in a second.

Okay.

And then if you want, I can kind of walk you through how to do it. It's— you just click and sign. You kind of click some buttons to sign. You should have a text, and then it's gonna—

this will be Mutual of Omaha.

This—

hers is—

hers is combined. Insurance. Combined insurance will cover the cancer side. On your side, um, your side, I can get you Mutual of Omaha on yours, but Transamerica was a little cheaper. So if you like name recognition, you can pick, but it was a couple bucks less. Hers, it's combined, and I'll give you all the information on it, but it's combined.

Did you change something on the Wi-Fi? No, because I don't have a server, so I'm drunk.

No, I didn't change anything. I just looked up, got the number off.

Server cannot be found.

Oh, and you're—

let me go see something.

Maybe if you turn off the Wi-Fi and just use your cell phone. You know how to do that? Okay, I can do it if you don't know how on the iPhone. Okay, just turn it off. Yeah, you should go to your text. See if you have— see if one come through yet.

Yeah, it came through. No.

Oh yeah, now you can refresh. Hopefully if you refresh, that should— there you go. That one? Yep. Yeah. Can you read it okay?

Uh-huh.

Okay. You want— you want to walk through or do you want me to help you over there?

Uh, I guess you can walk through it.

Yeah, I can. Let me see. I don't mind doing it if you—

was it on or off?

Yeah, it's on. It says everything's fine.

All right, there you go. I'm all—

you're good there.

We gotta figure it out.

Oh, that's it?

That's it. Yeah, I just had to put in a code and it validates your ID. I'm just thinking over here. Let you guys see. So when she clicks over there, it goes to her cell phone and signs it up for her. All right, that's good. We're good here. All right, beneficiary. Let me put your information in. Make sure I get everything. Franklin is the legal name?

Yes, sir.

Your date of birth? Yes, sir.

You want a bottle of water?

I would love one. That would be great, actually.

I'll have you right back.

I left mine in the car. Hey, sir. I'm going to show you some of this. So you'll see that we're going to put in $10,000 here and you see pricing $5,792. And that graded benefit, that means that 2-year, otherwise it would say immediate benefit. So graded means there's that 2-year kind of gap. Okay. All right, now let's see. All right, do you want to use— you can either have it come out of a checking or savings account. Which do you prefer?

Um, is it automatic type thing?

Yep, yep, they do them automatic. That way nobody misses or forgets during treatments or any of that kind of stuff. So you just plug in the info from a card and it'll, it'll come right up.

Um, okay, I'll go ahead and do that.

Okay, thank you, sir. Um, do you know by heart? Uh, I can let you type it in if you want, if you know it.

It's, um, you're talking about for the checking account?

Yeah, just the routing and account number.

I don't know it either.

Hang on. When was your last treatment, Miss Cynthia?

Um, Let's see.

Or you got one coming up?

Let's see, uh, next week I do.

Oh, so you're right in the middle.

Yes.

You go to Paulding?

Yeah, yeah, it's only 15 minutes away.

Yeah, that's my wife went the same place.

She did?

Yep, yep, she was there for years— or years ago, sorry. Yep, yep, yep.

Let me see now.

Let me get it out here.

Should be in here somewhere.

Hold on a minute. You want to read it or you want me to just— I can read it off of it if you want. If you—

oh, I guess it's— is it a check? Is it? I'm about out of checks. Hang on a second.

Sometimes it's on that little paper in there.

Yeah, you can't see it on the paper though. See how it's got it blocked out?

Yeah, usually there's like a another one, not, not the copy, but like a sample right at the end. Look, keep going. Oh, there you go.

Yep.

Let's see. Oh boy. Oh, you got it. Do you write it down in there? Do you need to write it down? Oh, are you good? The amount? Oh, okay. I'll get it in like a piece of paper. We'll write it, write it down for you. And then again, you'll get, you'll get it all in the mail, and you can create an online account, all kinds of cool stuff when everything goes through. Review. I understand, I understand. All right, so here we got your policy number. Okay, so an effective today or the 20th. They get— they take like 3 days to process it. Okay, so let me write down policy and I'm gonna— do you have a— do you want me to write it down on something for you, or do you want to wait till it comes in the mail? The actual policy number? Yeah, yeah, I'm gonna get— do you have something that I— this is— I'm gonna— I gotta take this piece back. Yeah, do you have something you want me to write it on for you? Uh, like maybe another sticky, or we got a little— how about this thing here?

Oh, that'll work.

Yeah, sure, let me do that. I'll put Cynthia Combined Insurance, it's otherwise known as CHUBB, is shorthand. 10,057.92 policy number. All right, so I don't know if she needs that page, so I didn't fold it all the way over, but I got all your stuff. And then I put my contact here for you as well, just so you save that. John Wetmore. Wetmore. Yep, W-E-T-M-O-R-E. And I'll, I'll send you a text so you'll have it in your phone as well.

Okay.

Um, I'll actually send you a screenshot of this. I can't do it here, but if you got Wi-Fi, it should—

my printer— oh, you don't have—

absolutely, I couldn't get on your— yeah, I couldn't get on your Wi-Fi either, but I am going to put this in a text to you, and it'll either go now or it'll go when I get service. All right, you might have it already. I think I got enough service where it might have gone through. I can't, I can't tell. Let's see, um, sometimes my laptop's a little slower.

Yeah, there it is. John Wetmore.

Yep, there we go. Yeah, that's it. Yep, that's a picture of that one. Again, you'll get the actual policy, but for now, um, just keep that handy, of course. And if you— again, if you guys need anything, you can call me. If, if for whatever reason I don't If you call me and I don't pick up, just make sure you leave a voicemail.

Okay.

Because I'm in houses a lot, and if it's just calls, I get so many spam calls I won't see it.

Oh yeah, I know what you mean.

Um, you get them all, you get them all the time too. Yeah, it's sometimes it's hard for me to get older folks.

Yeah, that's just this morning.

Dang, it's like that every day.

Sometimes they'll call it 5 minutes apart, same people. So it's like they're, they're dialing your number like they're trying to bother you.

Yeah, they keep going. Yeah, see, look, all right, so this is for you. So these are— and again, you can, you can see these are all the companies you can get insurance through, and I can look them all up. Yeah, so they put them kind of in order of pricing and/or coverage. So you can see Transamerica for your age, $86, and this is for $10 grand. Right now I just have, uh, you can see $10,000. I can change that to whatever, but $10,000. Transamerica's $86, Aflac's $88, Mutual's $89. So I always tell people, this is going to be your best coverage, but if you really like the name and you feel more comfortable with someone you know, it's only $3 more and you can be with somebody you know. Now these guys are great.

Well, what's that? $86.29 monthly.

That's, that's $10 grand for you.

Yeah. Oh, that's— I'm gonna wait a while on myself.

You are? Okay, cool. Just want to take care of it.

I've got the money. I don't think I'll get any on myself because I've got the money to bring it.

Yeah, the one thing you might want to think about is just this one concept. I don't know what you got set up for when you die, how much legal paperwork. Things a lot of times get caught up in probate with cash when people pass. If so, if you don't have things like predetermined in a will or how things flow, okay, sometimes they get caught up. Life insurance, why a lot of people put money into it, it's because it can't get caught up in probate. If you pass away and you want the money to go to someone to take care of business, if family's fighting over a checking account, that gets stuck. Whereas this, they just call the insurance company, call me, the benefit gets paid out right to the funeral home or director or beneficiary.

So it shouldn't get caught in probate courtly.

It just depends on— there's a lot of moving parts. I'm no legal guy. So I can't— I don't, I don't know, but I see it happen all the time. And again, the one thing I do know is when people put it in insurance, you don't lose because the money's going there monthly. It builds cash. And no matter what the will says or probate says, again, even if you have a will, if someone fights, the courts let you go to court. Yeah, right.

I got a younger brother and a younger sister. Yeah. And him. Yeah.

But, uh, so a lot of people feel comfort in I put the money here, I have the money. Instead of taking a lump sum, I can make small payments, chip away at it, and then no matter what happens in life with health or wills and money and all that stuff, maybe you get sick, you get cancer later and have to start depleting your medical. This will be guaranteed to pay out.

Yeah.

So a lot of people feel a little bit more comfortable.

Yeah.

Even though they have the money. Yeah.

I think the VA, all they give you is a hole in the ground.

Yeah, and if you wait, meaning if you delay it, next year this is going to be closer to $100. Yeah, the year after be $110, then it'll be $120 a month, it'll be $130, you know what I mean? It'll just continue to climb. I just left a guy before you, he was, he was 82. $5,000 for him was $156. Yeah, so for him, he'd like, this will steal. You know?

Yeah, see what you mean.

Yeah. What's your thoughts on that?

Yeah, I see your point.

Yeah, it's not a financial thing. Like, you have $86, I assume, monthly.

Yeah.

So meaning if you put $86 in, you got $10,000 in insurance if you pass away. Remember the calculation you did?

Yeah.

And how long it would take you to pay in $10,000?

Yeah.

So a significant amount of your lifetime before you're going to get out of this thing cheaper than them having to come out of your savings account. You know, so, and it takes, again, you do it in 5 minutes and get you some in place and then not have to worry about it again. Yeah.

You know, I've got the money to pay for it easily now. Yeah, but the thing is, you know, I might live another 10 years, you know, you just don't know.

Yeah, yeah, smart people with money and the smart with money, they make their money work for them, you know, and this amplifies your money immediately. Yeah, you know, for you to pay in 10 grand, it would take— I mean, say you say you put this in the side, I know you have the cash, but say, I mean, you'd be 85, 90 years old before you put that kind of money aside if you did it monthly, you know.

Yeah, some of my male relatives have lived that old.

Yeah. And then again, worst case scenario, they get the insurance pays out, they still get the cash, right? So now you're passing cash along instead of just using the cash to pay for the funeral. Now the funeral is taken care of here, and then you actually get to pass on a gift in the other scenario.

Let's say if it costs $9,000, $1,000 would say maybe go to whoever— my wife, correct? Yep. Okay, I got you.

Yep. And then all the money you have that you would have otherwise taken out— excuse me— to pay for it, they now get to keep that money too, right? So you get both sides of it. So instead of getting $10 grand and having to pay the funeral $9 and keeping $1, they keep $1 over here and they got $10 over here. You know, now you pass along $10,000, $12,000, $14,000 to your siblings. You know, it's tax-free, it secures it up. And then if you ever go through— really, have you ever heard people your age where they go through, um, and like they go— they have to go through a care home and then they, they take their money? It goes— there's a Medicare spend-down, and if you have money, they make you pay money out of pocket before your Medicare and stuff will kick in. Does that make sense? So if you have a bunch of savings, they'll deplete it before the care can kick in and they can't touch your insurance. You know, so I've seen some people get in trouble where they, they lose their savings based on medical, and then when it comes time to pay for burial, siblings and family now have to panic because end-of-life drug-out health took forever. Medical bills. Yeah, it's you, buddy. Yeah, buddy. Not every— like, my, my wife's dad died instant.

Yes, right there.

Yeah, just one gone.

Yeah.

Whereas if he was sick, you know, that drags out.

Yeah, my grandfather, he took him a good 6 months. Yeah.

Yeah.

So he was, uh, 89.

Yeah. So if you go in that case and you got to deplete your money and you decide to not have insurance because you have money now, now the stress in your life at that age when you can't get it or it's $200 a month is a real factor. Yeah. You know, and this again, worst case let's say you live healthy and you make it to 90, you don't lose because you still have this. It's a win— you win either way.

Yeah, they can't cancel me at 95 or something? Not—

nope, not this one. This one is unlike the paper we looked at. This goes— you could live to 120 and this will pay out, and it builds cash value. So let's just pretend you outlive everyone, your wife passes, and you've been paying in for 10 or 15 years. You can actually If you cancel it, there's cash value in it, so you can actually cash out of it later in life if you just decide, you know what, shit, life worked out good, I didn't need it. You cash it out, you put the money in your pocket, and you keep moving.

Yeah, sounds good.

Yeah, would that be okay? Do you think that's a good, good plan? Um, I mean, I don't want to pressure you, but I'm not, I'm not around often, you know what I mean? Like, they get me around different areas.

So if you like the idea, you go you go to?

Like, I'm all over. I am out here. I just, I rotate around.

Yeah.

So if you're North Georgia, but you don't have to go to like sometimes Macon. No, I, when I was new, so I've been doing this about 15 years, when I was new I used to have to go to Utah.

Wow.

I would go to Salt Lake City once a month and I would go to Dayton, Ohio once a month. Now I'm, now I'm pretty—

drove out there?

Flew. I would fly and get a rental car.

Oh yeah.

Yeah, so, but yeah, you know, yeah, let me think about a couple days.

Okay, can I call you back?

You can always call me back. Yeah, yeah, yep. And again, if you— worst case scenario, if you prefer, there are ways, if you're decent with the phone, that we can do it over the phone and I don't necessarily have to come back out. It just depends how much— how well you can click around.

Yeah, I got an iPhone 12. I'm thinking about getting a newer one. Yeah, yeah, what, the 17?

Yeah, mine's like, uh, I don't— I haven't got a new one in probably like 3 3 years.

Yeah, that's, that's probably—

so I'm like, uh, 14, maybe 13, 14, something like that. I forget.

This is a 12 right here.

Yeah, mine's just after that one, so you might have a 13. Yeah, yeah, I think I got a 13. What's that? What do they have now, a 17?

17.

Yeah, I'm 13 or 14, I think.

Yeah. Is yours the Mini?

No, no, mine's a little bit bigger. Yeah, mine's not the big one though. I don't like that. The other one's like—

oh yeah, it's like carrying a laptop in your back pocket or something. Yeah, I like these. I can just slide them in the pocket Yeah, I love it.

All right, so we want to wait on yours. Why don't we do this? I'll, um, you said think about it for a couple days. I'll put a, I'll put a follow-up, um, to call you maybe at the end of the week, see if you're, you're in it. You're welcome to call me if, okay, you decide beforehand.

Thank you.

Um, but I'll follow up with you Monday.

Okay.

Um, we did this one is good. And if you did, you'd be thinking about, you know, you don't need to do more than 10 on you if you did it.

Yeah. All right.

Mundo. I don't—

I'm not sure how much to be— they might do more than just give you a hole in the ground.

Some people, if they have like years, like 30 years of service or hit certain levels— I don't know the military well enough to use the right lingo, but yeah, you know, the patches and some of those guys get some extra stuff.

Yeah, I wasn't there 16 years. Yeah, but I was just an enlisted person.

The overwhelming majority of vets I talked to are disappointed by the amount of coverage that them or their family get when it comes down to that. You know, an uncle, a cousin, a brother gets buried and they're like, we thought it was, but it's this. It's just additional expenses, you know, an ambulance picking you up, taking you somewhere, just weird stuff.

Yeah, I think bankruptcy— I mean, uh, medical bills are the number one cause of bankruptcy.

100%. Yeah, yeah, that's why, again, the importance of the insurance helps with stuff like that. All right, buddy, we'll let you run. Glad we got Cynthia taken care of.

Nice talking to you.

Absolutely. Same to you. Yeah, pleasure to meet you.

Yeah, nice meeting you.

Just keep you posted on what you're thinking on your side.

Yeah, I'll keep talking about it. Sounds good.

Hope you have a great rest of your day.

Yeah, you too.

Hope you have a good one. Pleasure to meet you. Hope you have a blessed day.

You too.

Thank you. Have a good one.

If you need anything in the meantime, call me. Otherwise, you'll see see that first draft. The first one sometimes takes a couple extra days because all the setup and stuff, and then they'll mail that policy out in the next 2 to 3 weeks to you. If somehow the mailman loses it, call me, we'll track one down for you.

All right, sir.

All right, y'all have a great day. Oh, do you mind if I use your restroom? Hey guys, just created something really cool, and if you want to be part of it, join the Discord group. I just created. The link is going to be in here. It's a dope environment. You can chat with others that are kind of in the community. You can see behind the curtain of our agency, have access to all kinds of stuff that we got going on, events, and my staff is in there. We have agents in there selling, me helping agents and sharing information. We're going to, as we build this thing out, share everything out there with all of you guys. So again, follow the Discord if you want to be part of everything we got going on. Join it now. We'll see you in there. Hope to help you more.