Transcription
So guys, in this video, you are going to watch me call people who were previously quoted life insurance 2 days ago, 3 days ago, and they told an agent, "I don't want to buy life insurance," "I don't need life insurance." I'm going to basically pick up my phone, call these people, and see if I can sell them now.
In this video, what you're going to learn is basically how I disarm people, how I get people to open up, how I get people to want to talk to me. Some people in this video are going to literally just tell me their whole life story before they even ask, "Wait, why are you calling?" It's because I'm able to build a ton of rapport and connection in the first 30 seconds.
Basically, this video is just to teach you how you can communicate with anyone, build rapport early on, build strength in your connection, and not get people to hang up on you. So if you're an agent and you're getting people to hang up on you, this video is going to teach you the tonality, how to ask good questions, how to push through smoke screens, how to push through objections, and master the intro. This has helped me sell over hundreds of thousands of dollars of life insurance, because I'm really, really good, and this video is going to teach you how to become the best at the first 30 seconds selling insurance on the phone.
So we're going to get beat up; people are going to yell at me; people are going to scream at me; people are going to talk about conversations; you're going to see some of my presentations in this video; we're going to see me giving some quotes to people; we're going to break it all down and show with you guys the in-depth what it's like selling life insurance to people who've already been quoted and people who are really, really tough buyers. Let's do it.
Hey, is um, is Evelyn there? Hold on, let me get the phone to real quick. Yeah, is she doing all right? She doing all right? Good, good. She's hanging in there, staying out of [Music] [Applause] [Music] trouble. Miss Evelyn, can you hear me? Where's is Evelyn there? Oh, thank you. Hey, Miss Evelyn, it's it's it's me, Peter. Peter. Yeah, Pet- Peter. You remember you were trying to—I was trying to help you the other day? Are you all right? Yeah. Mean what? Yeah, yeah. The reason you—I think you set in a point with me—um, I was just kind of confused myself—um, you put down um, Shena Ty. You remember filling that out the other day? Yeah. I talked to somebody yesterday. Oh, really? Mhm. Oh, weird. I don't know why there's a file. Yeah, it is weird. Oh my gosh, that's probably annoying—um, and it shows here weird. Let me see what's going on. You put down November 10th of 65 is your birthday. Is that is that right? Yes. I talked to someone yesterday. Oh, okay. Let me update your file. Was it just two—it's okay. I talked to someone yesterday. You get to update. Thank you. Have a great day. Did you want our help? Cool.
It's Miss Betty. Yes. Hey, Miss Betty, it's Peter. Peter. Yeah, Peter. Remember you tried to—I think we got disconnected the other day? Are you still doing all right? What is this in regards? Oh, yeah, Miss Bet, this is about the appointment that you—I mean, the request that you sent in. I make sure this is still you. You put down huh, Christopher? Is this in regard—oh, oh, I'm so sorry. Yeah, that's been a long week. It's been about the affordable like whole life insurance for seniors. No, I'm not interested. Okay, let me get you updated. You're not interested? You're probably getting all these calls, aren't you? Yes. Oh my, that's so—so they keep calling you after you tell them that you're not interested? Yes. All right, let me get you off the list. The "not interested, stop calling, leave her alone" list. And I'm seeing here that you put down that you're six? Is that right? Yes. Oh my gosh, seven. I'm unbelievable. And you put down that you don't have any coverage in place. Where you just um, looking at leave something for the family? You just trying to cover the burial expense? There we go. Go for the hangout.
Hey, David. Hello, David. Yeah, it's Peter. What's going on? Peter? Who? Yeah, you don't remember me? Peter? Not really. Oh, yeah, you told me to call you later. I think you were at the doctor or something. Are you doing better? Yeah. What about it? What's going on? Oh, yeah, you wanted my help—um, yeah, you wanted my help. It's about David—uh, down as the beneficiary. You remember filling that out the other day? Uh, I—yeah. Oh, yeah. Let me see what's going on. Your birthday was July 24th, right? I'm doing something right now. About to call—call me back in minutes. Oh my gosh, are you okay? Yeah. Oh my gosh. Should I—what—going to change my approach to a more direct. Hey, Miss Karen. Hey, Miss Karen. Hey, Miss Karen. Yeah. Hey, Miss Karen, it's Peter from—yeah, I was just calling you. It was about the request you just sent in uh, not too long ago. Um, it shows here—trying to make sure this is still right. I don't know if you changed anything—um, but it shows that you put down that Christopher is going to be the beneficiary. Remember kind of filling that out? Oh, yeah. But I talked to the lady, and she said what I have is probably better than—'cause I got it at a younger age. Oh my gosh. Okay, let me get you off the list here. You've been getting a lot of—okay, let me see here. And just to check my notes, so you're 70, and she—what—what had you look—were you just looking for something more affordable? I'm assuming. I was looking for something—yeah. See if it was anything cheaper and you know—oh, okay. Uh, and then I said, well, she said anything now. She looked them all up, and she goes, anything now that I would get would be more because the p on 70 instead of 64 or whatever it was then. Oh, so you got it a while—that's awesome. And how much coverage did you get? That's so good. 30,000. Oh my gosh, that's a lot. Could be enough to—my husband—my husband passed two years ago, and he was a veteran. Oh my gosh. He's at the uh, VA—VA Cemetery. Yeah. Oh my, go there too. Gosh. And how you been doing after losing him? Are you been hanging in there? It was rough. It was very rough. Yeah. What happened? It was very sudden. It was very sudden. Was—wow. Was it like one of those, you know, he had no—it wasn't that he—he had had surgery that we didn't want him to have because we didn't think he was healthy enough to have it. Oh my gosh. Guess you guys are the same age? 60? No, was he—he would have been 69. Oh God, a little—he was—you went after the the younger ones. I'm just playing—um, no, no, he was—no, he was older than me. I got you. 4 and I was born in 54. His was in January. Oh wow. And mine was in August. So—oh my gosh. Nobody believed the same day of the month and everything. But everybody goes, "Really?" I said, "Yeah, would you look at that"—um, unbelievable. And the 30,000, did you feel like that—like just wasn't enough? I'm just kind of confused. No, no, that wasn't it at all. I just thought when I saw that, I thought, "Well, let me see if my uh, you know, what—what I, you know, what I can get out there." And so I—okay, good. How much are they making you pay? Is it expensive or something? 129. Oh, okay. That's really good. What company is that? I got to look into them. Oxford. Oxford. Oh, Oxford. Okay. Yeah, yeah, yeah. And that's one of those whole life or term? Yes. Yes. Unbelievable. Good. And wow, that sounds like you're in a good position. Yeah, hopefully. Yeah. With inflation, are you worried at all, or you think you're solid? I don't know. I may not have anything—get bombed and all that other stuff. Oh my gosh. Yeah, whatever's gonna happen. But you don't—you don't feel like you would need a little extra? Oh, not right now. I can't afford it. Oh, you and me both. Would you look at this? But hey, well, I'm just glad you're taking care of—I'll make sure we don't get any more calls. That's frustrating. But okay, thank you, Karen, for just even just sharing your your story with me. That means a lot. Okay, well, thank you. And you guys—you have a—yeah, have a great Easter. Bye-bye. Bye. So no value there. Moving on.
So what I'm running into is these people knowing that they just spoke to someone like the other day. So we're going to go like to 4 days. Let's see, 4-day-old. If they still remember, we're going to call 4-day-old people that were giving quotes. Let's jump in. Who is this? Mr. Will? It's Peter. What's going on? You got the number? Is this not Willie? What's that? I'm looking for Willie. It's Willie. It's Peter. You—you remember me? No. You don't remember me? No, not know. Oh my gosh, it's been a long time. But remember you told me to try to help you? No, at all. You put down that your spouse is your beneficiary for the life insurance. You remember that? Uh, no, I—Mr. Will's—your birthday is—is this your birthday? June. Okay. And there's a form that you just sent in that you said you need her help with. You put down it's for the life insurance. Oh, my—yeah. Yes, yes. You remember you needed a quote? Oh, no, no, no. I already take care of that. Oh, you already—you already bought it? Yeah, yeah. Oh my gosh, good. All right, well, let me get you off the list. How much did you get? Uh, I don't know yet. But uh, they uh, they send me paperwork. Did you—wait, so how did you buy it if you don't know how much you got? I'm really, really, really confused. And from where? I—we help affordable life insurance. Yeah. Okay. I—from where? Yeah, we work with a lot of different companies. We work with like Mutual Omaha. We work with—um, you know, and now we find like people—the cheapest rates. Are you looking for a really affordable rate? Uh, I just wait for someone to give me some uh, some more information. They going to send me a book or—you want to call—I already take care of that. Oh, good. Why do you need a—why do you need a book or a catalog? I want know the—iss for what—uh, okay. All right, sir. All right. Y—you have a great day. Bye-bye. You too. Thank you. So that guy, obviously, a little bit of a language barrier. Not really sure what's happening there. Didn't want to spend my time trying to—'cause he didn't know what he's talking about. And no idea what he was talking about. So let's move on. These people answer—I'll tell you what—I don't know why they didn't get quotes. I understand why they get quotes. It's—CU—everyone answers. I've been like making like 10 calls, and I had like five contacts. But just need to get the right ones on the phone. So uh, keep pushing. Hello. Hey, Miss—Miss Wanda. Who's—up calling? Miss Wanda? It's Peter. Who? It's me, Peter. Um, I—I didn't catch that. Yeah, yeah, no worries. Okay. Yeah, it's me. It's me, Peter. You—you um, you set kind of like an appointment kind of, but we never really got a chance to get a back with each other. You put down that—remember you filled this out the other day? You put down Kimy was going to be like the beneficiary? Oh, yeah. I—I thought that was taken care of. I wasn't going to proceed with that. Oh, did you already speak to someone or something? Yeah, I talked to somebody. I can't remember who. Oh, I'm confused. And what—what kind of happened? Well, I'm just decided to wait. I think it was the—um—um, yeah, I talked to some—I someone, and it—it wasn't going to work out. Oh, okay. Let me put that in the notes. Was it mainly just too expensive or something? Yeah, speak for my age. Yes. Oh, okay. 'Cause you put down—let me just—you have coverage or you don't have coverage currently? I do have coverage. Oh, you do? M—that's so good. And were you just trying to like maybe add on to it or something? Yes. Oh, why do you feel like you'd even want to add on? Well, 'cause it's too expensive. I mean, I forgot how much it was. And—and what I have now will be okay. Yeah, it's the prices are ridiculous nowadays. I understand. I was asking why do you feel like you would need more life insurance. Huh, just thought I would check into it. It sounded like it might be okay. Oh, what was you—yeah. Oh, just kind of looking. Yeah. Okay. I don't know. Do you remember they quoted you a couple hundred dollars or something for a few thousand? I really can't remember. Wow, off hand. Were you—would you be potentially like helpful if I could probably save you some money or—but would it be—I guess potentially helpful if I could maybe finding something affordable or—well, I mean, I think she already checked on that. So sorry—no, don't say—I was just trying to help you. Is there anything I can do to help you? No, I don't—no, I don't think so. Oh, but thanks. All right, well, I'm just doing my best here to try to lower your premium. Well, Miss W, you have a great day. Okay. Okay, you too. Thank you. I appreciate you—bye-bye. Your help. Thank you. Kind—yeah. There. I look into at the notes with this lady. There's no value. Like, she's overpaying. Trying to probe—she doesn't really want extra coverage. I can't save her money. So get off the phone there for her. But kind of just using a curious tonality. These people are hip, even 4 days ago. They're like, "I already spoke to someone else." 5 days ago. So we're going to keep pushing through. See what we can get. People—these people love to answer. It's been—it's been a joy. It's been a joy. I hope you guys are learning something from how I handle these calls. Let's keep pushing through. Hi, it's Peter. He—this is Peter. I was calling you the other day. How—how are you feeling? Are you still under the weather? I—you're doing as best as you can? Yes, I am. Oh my, do you still have that cough at all or—no? A little bit. Yeah, and especially the weather's been kind—kind of windy. I'm sure you're probably feeling it. Right. Right. Oh my gosh, yeah. It's Peter—the—remember you told me to try to help you? I was calling about Amanda and Lisa. You put them down as your beneficiaries. Remember doing—remember doing that, Miss Linda? Yeah, I do. I remember—yeah, talking with a lot of people calling me about you. Oh my gosh, how's that been going? Has it been kind of frustrating? How you been doing with all that? Oh, I'm okay. All right, good. Yeah, you put down that you—you do have some coverage, Miss Linda. I'm just kind of confused. Where you just looking to like add on? Are you just trying to find something more like affordable? Thought I told you—decided—that's not what you—oh, Miss Linda, I think you're mistaking me with someone. We never spoke before. Yeah, I didn't state to you—no, no, no. We work—we—yeah, this is for life insurance, but we specialize in people on a fixed income. Is that you? Am—um, but yeah, we never—someone—and—huh. Anyway, what happened was—did they—did you yell at them or something? What happened? It was too expensive. Why would I yell at them? I don't know. But you said—you said like you already spoke to someone. What happened? Well, I just told them that I had already had something, and I couldn't afford—oh my gosh. Well, I won't waste your time either. I mean, how much do you have? So what I'm paying on right now is 6, and they wanted $94. So that would—wow. You only got it for 56? That's—TR—oh my gosh. Where'd you get—what company gave you a deal like that? That's awesome. What name—what company did you go with? Um, it's—um—you need to—oh, yeah. That's an amazing—when did you get that? I've had it uh, several years—from my husband passed away. I would—no—like that was—it was tough. You lost him? He didn't have anything—he didn't have any insurance? Oh my gosh. Was that really hard for you? It was—I went to town. I said, "Well, I would never leave my—" I'm so sorry. Oh my gosh, my condolences. So that's—and how much was your—your policy that you got for 56 bucks? Not for 10,000? Oh my gosh, that's awesome. Just curious, did your—did your husband—did he go like a formal burial or did he go the cremation route? I—formal burial. Oh my gosh. And how much did that cost you? I got a great—a great deal for 4,000. Wow. Oh my gosh. Miss Linda, do—and do you just feel like the 10,000 with inflation now is that just not going to be enough insurance? No, I was checking it to see if um, there was anything, you know, that could add more for about the same price. But I see there's not. Yeah. Well, why do you feel like it'd be—why do you feel like you'd even need more life insurance? Well, I wouldn't—I was just thinking something—come—oh, you got the—you got your daughters, and you want to add on—um, well, we work with that company as well. I can see if we can just add on there—um, to see how I can best help you. Miss Linda, are you like a smoker or something? Peter Cottontail—whatever you want—um, you can also put down um, my—my license number. The state does make you put down that you know that I'm licensed, that I've been through all those background checks, but most importantly, that I have the credentials to even be talking you about this today. That number is 1950, and then this is my number, Miss Linda. Just call me. You can text me. Save this in your phone. If you ever get lonely or just want to chat or need a life insurance agent, you can just sa—my sa—my number here in your phone. Okay, dear. That's—that 443 number that's popping up on your screen. Okay. Now, enough about me. I'm just really interested—kind of—kind of curious too—what even had you motivated to even start looking around for some like more life insurance? Well, I was just thinking of my daughters, and—um, I don't know. It just—so you come up—and—yeah, thought, "Well, I don't have anything really for the—" you know—been a bless—me thinking a blessing them. But you know, I found out it was—H—gotcha. Okay. So you just have something for the burial, but you just want to be like a blessing to them? What do you mean—what do you mean by that? Well, I was going to um, get 10,000—um, you know, what I could get if I could get it—cut out the thing. Yeah. Okay. See, everything's—G—up. Oh my gosh, just—oh my gosh, it's all running up on you. And you just want—so it sounds like to me you want to give them a little something, but what you've been looking at has been too high. Right? Yeah, I guess. Why would it be? Huh? I mean, why would it be so important to you as a mother to leave them this like this gift? Well, I mean, they've been a voice in the movie—um, years old. And I—have—that's been to bless. Wow. They've always been there for you. Wow. Wow. So just as a mother, they've been there, and you just want to make it that they're taking care of basically. Right? Just—oh my gosh. I've done—what do you think they would use them like the extra like 5 or $7,000 for? What do you think they would use it for? I don't know—on—yeah. Okay. Wow. And what would that kind of do for you if you could find something to give them that blessing? I mean, how would that—how would that make you feel? I feel good, but I don't—I can't afford that. That's fine. I was just checking. Oh, okay. So you've been looking—ah, what have they been telling you? Has it just been like ridiculous? Yeah, like—um, 10, like 94. I—yeah. Well, have you thought about maybe just adding like something like $3 to $5,000 just for a little cherry on top for your kids? Would that—would that give you any peace of mind? I don't know—um, since I've been checking and see how much it's going up, you know. Yeah, absolutely. I mean, if it keeps on going up, why—why do you feel like you should even get anything then? You mean—well, I don't—I was just checking it out. Oh, you're just kind of looking. Yeah, it's too much. I'm not doing anything. Yeah, 'cause you're just kind of looking at it, right? If you look at it long enough, and eventually if you look at it, you'll probably want to move forward. Okay. I didn't realize it much—High. Yeah. What are you—just curious, between you and I, what would kind of give you the most piece of—M—like 5,000—like what—what are you looking for so I can look for you? Well, I don't know. What I've been—was doing 10,000. But um, you know, making that on 20,000. I was thinking I was, you know, just going—or 20 and dropping this. And if it was cheaper—if it was reasonable—that it's not being so—oh, yeah, absolutely. Drop it off, forget about—oh, you—you're going to cancel your current policy, you think? No, I mean, if I found something cheaper—reasonable for 20,000—I mean for 20,000, right? If it makes sense, then you'll do it. But you got to make sure—and are you looking for the whole life insurance? Is that kind of what you're looking for? All right. Yeah. Okay. Well, I'm going to kind of just cut to the chase here so I can kind—and get you your options. Would that be helpful for you? Yeah. So not a lot of value here. I don't want to waste my time going to the script. She's not going to buy. But we'll see. So—um, what I'm seeing here is there—there's some whole life options that would allow you to add on for really like affordable rate. It's with a company called Savings Bank Life Insurance. Have you heard of those guys before? No. Oh, you haven't? No. Wow. They've been in business for a long time—1906—a—they're A-rated—back by the Better Business Bureau—just a really, really well-established company—um, they're going to give you the best rate statewide. And since you're healthy, they're not going to put you in one of those 2-year waiting periods. Do you like—see how important that would be? All right. So you don't have to wait, like if something happened to you tomorrow, your—your girls would get the money. Do you feel—do you see how like valuable that would be? All right. So they have a few options here. You can—got to go up—backwards—sideways—based off your budget and your needs. We just have to find you something that's just going to fit your budget, 'cause you mentioned how important that is. Right. Right. So they have what's called the $5,000 plan. This is basically called The Blessing Plan. This will basically allow you to make sure that you can bless your—your daughters with just something small, you know—your—cre—and even to your burials—I mean, barrels are going up to 12,000—15,000. This would make sure that you have that full burial taken care of, 'cause as you told me earlier, you don't want your kids to be stuck with any of your burial expenses. So this would make sure that your burial is completely taken care of. I mean, heck, some burials are even $118,000, depending how fancy they are. It's ridiculous. Dang, eggs are going up—my husband is—I have—yeah, good—get that special discount. But just for the 5,000, if you just want to give that—that last "I love you" gift—that, "Hey, girls—hey, Mama's thinking of you. I want to bless you. I want to give you that last gift. Y'all have always been there for me. I want to be here for you." That 5,000 is almost like what they call the special discount—dollar-a-day program—to add on the 5,000. Oh my gosh, they're going to give it to you this low—is only $448 cents. What do you think about that? Do you want me to go up a little bit or down a little bit? Um, more than 4,000—isn't that much? Yeah, the 4,000—that's what we call the—the starter program. This is what most people do who already have the 10,000 and just want to leave the gift typically to their kids. The 4,000—I'm sure—and this is how they make it affordable for literally anyone who's on Social Security or disability. The 4,000 comes out at a 12 something cents a day. It's $36.74 per month. Does that kind of feel better for you? Yeah. Do you want me to keep going down, or you just want to say around the 4,000? I'm not going to say anything—let her figure this out. Yeah. Now, the biggest challenge was seeing if they could still, you know, off—you know, make sure that they can cover you. But you kind of f me—and as a mother, do you thinking of your—of your daughters and leaving that blessing? Do you feel like we should go with the—the 4,000 or the 5,000? What would give you the most peace of mind? That's the 3,000. Oh, yeah, the 3,000. Let me see if they'll give you the special price too. Let me lower that to 3,000. Oh my gosh. 3,000—that's going to still bless them a bit—um, yeah, they actually—with your age, they don't have the 3,000. It only starts at 4,000. Does the $36—the $4,000—is that what you want to go with? Oh, I didn't think about it. Okay. Let me—let me put you on the schedule for next week. And just so I can prepare for next week, my boss makes me put like a—a note down here. Is it more of the price, or you just not sure if you need it? I'm not sure I need it. CU—I will get some—some—CU—I've got a ra—I mean, the price is already in—so for my burial—all that care—yeah, and it will—the—H—oh, wow. Right next to—I mean, if you—if you think you don't need it, then why would I call you back next week? I'm just really confused. I'm kind of puzzled. Well, I just want—about it—I—oh, that's fair. Yeah—um, do you have any other concerns that I could potentially kind of address for you? No—um, don't see it. And I like—I said, I'm so—um, you know, like it is—I just want to—yeah—it—it—yeah—a—yeah, yeah—PR—price aside—price was aide—would you say that you would want to add—yeah, I'm thinking about it—not say—I just—about it—yeah. Well, Miss Linda, I hope you have a great day. I'm sorry. I—I couldn't help you. I really just was trying to help you get that blessing that you were looking for for your girls. Well, you can't call me back next week—next week? Yeah. Okay. And then I forgot—I have really—I kind of—I forget things easily. And then next week—what are we going to go over? I'll bet you know—I want to go with—oh, okay. Oh, you might want to—oh, interesting. Okay. Wow. And which one do you feel like—which one do you feel like if you had to like go with—which one would you even want to go with? A 4,000—really? What makes you say that? Why the 4,000—don't—would be—yeah. And you—so it would give you two—for 2,000 for each of them. Yeah. Okay. And do you think that uh, $4,000 for the $36—would that be—um, like comfortable for you though? That's what I go over it—and about it—and see—see the other one—56—by that one—it would be under $100. So I'll just check in my—sht—yeah. Or would you rather—would you rather do the 3,000? It's 28 bucks—just popped in—unbelievable. 3, for [Music] 28. I thought you said I—old—old. Yeah. I had you down as an 80-year-old, but you're actually 77. That was my mistake. Okay. Let me—let you know when you call next week. Okay. And I might go—go ahead with it. All right, sure. I'm just trying to help you. I appreciate it very much. Oh, you have—you—you stay out of trouble now, Miss Linda. You—you stay safe. Okay, you too. And I'll have a nice weekend. And I'll talk to you next—we—okay. Sure. I guess I'll call you like 3 in the morning. You typically up at like 3 or 4 in the morning? I don't—oh, okay. You said call you anytime. I was getting confused. Well, I'll surprise you with a little like, you know, a late night text or something—say, "Hey, Linda"—but uh, we'll be in touch, dear. Okay. Thank you. All right. See you now. Absolutely. Bye-bye. You know—no way there—Kobe—that—a [Music] great—yeah. Just not much—you do. I didn't want to go that—L—there's no way that you could want to sell—I mean, there's no value—no—these—like—quoted people—they all answer. Bro, I've had like nine contacts. Well, yeah, I mean, they—they answered to get the quote. Yeah, but they—not interested—then they haven't been getting calls. So yeah, there's—do you filter in Regal? I just filter quoted—quoted—not interested—start doing that. I don't—I don't know if it's worth it. I haven't had—I haven't had any good—probably waste of time. And I just go through like this—these were six days—these people—they remember even though it was six days old. They're pretty familiar. Really? Yeah. It's not like—"Oh, yeah, filled it out." They're like pretty hip, like—"Oh, I didn't feel that"—like—"Did you call those people?" How do you start it—the call? Like—"Hey, it's—is Peter?" Yeah, I was calling you—I—I got busy—I was just getting back to you in regards to the request—I just trying to treat it like a normal lead. Here we go. Hey, Miss Janine. Hello, Miss Janine. Yes. It's Peter. Peter. Oh, yeah. It's—it's me, Peter. Um, you—you remember we spoke kind of, and I was busy, and you were tied up, and we kind of got lost in translation. I don't know—I've had 50 million people calling. Oh my God. You've been getting a lot of calls too? Uhuh. Everyone's been calling. Is there like—are they—I don't know what's going on. Yeah, you tried to call me, and then we tried to help you. I'm actually kind of confused now. It was—appointment that we set up. You put down that your daughter was going to be like the beneficiary. Do you
Been going through a lot, but um, I was just trying to help you. Um, you remember you sent in this, um, you sent in this request? You put down that Colleen was going to be your beneficiary.
Yeah, yeah. You put down that your birthday was—no, no. I, I didn't get any older or younger. Oh, man. You just been, you just been staying the same, like you and I. Oh, and you don't have any coverage, Miss Irene. You put down where you're just looking to leave something for like the burial, or you're just trying to cover like the, like the funeral expenses. What are you looking for?
I was looking for little, a little expenses.
Oh, okay. Just like 20, maybe 20.
Yeah, we, we help seniors like really, so what we do, so just something small. What we do is that we specifically work, work with seniors on like a fixed income, and we find them like the most affordable rate Statewide. So I'm going to try my best here for you. I'm assuming you're on a fixed income, right?
Oh, yeah.
Okay, because then you qualify for like the best plans. Okay, I'm put fixed in any, um, and I got you here. Put your birthday in any heart attacks, strokes, or cancers.
Oh my gosh. I think we, I think we got this. Did your, did your power go out?
No, I was driving through a pre—
Oh my gosh, you're on the road.
Yeah.
Oh wow. Okay, no worries. Yeah, we're talking about a little bit about um your health there. Um, you got the little bit of—you even motivated to start looking around for some life insurance. My age doesn't help; that's one of the reasons.
Okay, so I, I, I've talked about it with my husband before, and he, he kept saying no, and I, I'm going to do it myself. But gotcha. I guess why do you feel like you're going to do it yourself?
Because I'm obstinate.
Okay. And with the life insurance, what's the main goal that you're trying to accomplish with the policy?
Just so Colleen feels comfortable, comfortable right after I leave.
Okay. Gotcha. Something, something happens to you. When you say comfortable, what, what do you mean by that?
We still have a mortgage in the house.
Oh, okay. So you have the mortgage, and then are you worried, like I don't want to assume, are you worried at all about the burial expenses too, or no?
Oh, yeah, yeah.
Okay, so you want to make sure the mortgage is taken care of, and you want to make sure that if you pass that the burial expenses are going to be like completely paid for. I'm assuming, is that about right?
Yeah.
Okay, gotcha. I want to make sure we're on the same page. And now this is kind of my concern, I guess, since you don't have anything in place now. I mean, who would it be that would be like, uh, responsible for sitting down with the funeral director, picking up the mortgage, and paying for Colleen?
Okay. Wow. Oh my gosh. And sorry to be kind of personal here, would Colleen be in a position where, you know, she could come out of pocket 10, 15, $20,000 for your burial expenses, or no?
That's one of the reas—
Oh my gosh. Oh my gosh. So she couldn't. Oh my gosh. What do you think, what would that, what I could tell you what my mother always said.
What did she say?
I bone up my ass and guard needed up.
This say that one more time.
A bone up your ass and what?
Stick a bone up my ass and drag me up the hill.
Oh my gosh. Wow. Are you, are you cool with that, or no?
Think my dog would drive me—
Oh my gosh, that's funny. So I mean, would Colleen, so what would she have to do then if you didn't have the coverage? How would she come up with the money?
I'm going to have some coverage. Okay, you know, let's put it that way.
Gotcha. So you know that this is something that you need; you just kind of been, kind of putting it off a little bit.
Oh my gosh. Okay, that makes sense. And it has this, I mean, I guess what would that do for you as a mother? I mean, how would that make you feel, knowing that you could put like some type of solution in place for her?
I don't know. I never even thought how I would feel.
Oh, okay. Interesting. And have you been looking for something like this for a while now? It sounds like you, you've been, have you been chopping, thinking, you've been thinking—what do you mean by that?
Oh, I've been thinking about it.
Oh, okay. Got you. Just has there been anything that's stopping you at all? Is the price or anything?
Yes.
Ah, so you've been looking, but mainly it's been too expensive.
Yes. That's what most people say. And what have they been quoting you? Like a few hundred or just a few thousand?
Do—
Yeah, the last one was $190.
Oh my, $190. How much coverage for 20?
Okay, gotcha. Wow. So you've been trying to get it, but they just been hitting you over the head. 189. Okay, so sounds like you value, you, it, you just got to find something that's comfortable and affordable. Okay, is that about right?
I'm doing this out of my pocket, not out of my family's pocket.
Wow. And I've got a limit.
Yeah, you got to make sure it fits the budget, on like being probably on like Social Security, right? You got to make sure it's comfortably in there.
Yeah, yeah. You—and would you say having like a little something like, is that better than having like nothing at all, or—
Yeah, yeah, yeah.
Okay. So even though if you get a little bit less, you're cool. And are you planning for like the formal burial, or you going the cremation route?
I don't know. That's something I'm thinking about too.
Sure. Okay. So whatever route you go, you just want to make sure that you have something in place so that Colleen's not stuck with the bill.
I got you. Right now, um, now I do work with people on fixed income. Now you let me know if this is you, um, on disability and Social Security. If I could like potentially like find you something that's like really affordable for you, would there be anything like really holding you back from even seeing if you can get qualified, or—
I'm thinking, like I said, I, I want some, some ideas.
Yeah, you want some ideas? Absolutely. So mainly, mainly just thinking through it. Okay, I guess why do you think now would be even a good time to look into something like this?
I'm just kind of confused. Well, I, um, in 2020, I fractured, I fractured, I shattered my femur. Okay, this year I did the TIA.
Oh my gosh. So I, I'm a C—I, I think it's necessary.
Yeah, you think it's necessary? What makes you feel like you shouldn't keep putting this off then?
If I fall again, I don't—my head, let's put it that way.
Oh, so you've been falling here and there, and you just want to make sure that you have something in place, and since you've fallen, you can't get up, and this is not going to be good.
Yeah. Okay. Oh my gosh. I hear you. Wow. You've been thinking through it. Would you look at that? Now, some people get additional discounts. Do you have like a check, like they give you a 10% discount for if you're on a fixed income? Do you happen to have one of those, uh, routing or like account? Do you have one of those checking accounts or just a Direct Express, cuz I can put on that that extra discount?
I didn't follow what you said.
I don't follow you.
Oh, these companies, these companies are kind of interesting. They'll give, give you like a 10% discount if you have one of those active checking accounts, which most people have. Do you happen to have one of those?
Yeah, I have a checking account.
All right. I'm going to check this box, add discount. Okay. Now I want to explain this to you here. Now what we're going to be looking at here is the whole life insurance. Now you let me know if this is exactly what you're looking for. Okay, something where the monthly payment is never going to go up, coverage amount will never go down, and it's something that will never expire on you. It's going to be there for your whole entire life.
Okay. So it's going to be there for your whole life, no matter what happens. You're going to know that Colleen is kind of taken care of. Is that kind of what—been in business—let me pull up the—yeah, unbelievable. They've been in business, you—if you're still with me—they've been in business since 1910. Would you look at that? Okay, so they ain't one of those Tom Ferry companies. They're going to do what they say they do. You know what I'm saying?
Yeah.
They don't just look at it; they actually do it. Um, now they have some, they have a few options here. Now the big thing, this is important, especially for Colleen, to—with your health, since you've been falling a little bit and, um, you know, you were at a rehab center—a lot of companies are going to try to put you in one of those 2-year waiting periods. Now this company is not going to do that. They're going to make sure that that policy gets paid out if something happened. Do you like see like, like how important that is?
Yes.
Would you want something without a 2-year waiting period?
Yeah. Just give me a price.
Oh, sorry. All right, let's, let's get to the, the price. Now I'm pulling up the prices here for you. We're going to start low because we can always go up, we can go down, we can go backwards, just depends on kind of making sure it's affordable for you. Okay, so the first option is what's called the affordable for everyone option. This is the starter program. This is the $10,000 option. So this is for specifically people who are on like fixed incomes and like Social Security that just want to have like something small in place. So this—have to sell me—just tell me—
Oh, okay. Sorry, my boss, he's listening. He makes sure that I, I, I go by the script. Well, tell your boss I'm all right, guys. So we're going to keep on rocking it. It's Saturday, it's the morning, and I want to get back to calling these old leads. Um, yesterday I spent about an hour calling, got a ton of pickups, but we're going to see if we can close one today, and uh, keep sharing with you guys exactly how to handle these people who were just quoted a few days ago and tried to sell them again. So let's do it. Good morning, Miss Julia.
Yes. Who's calling?
Hey, Miss Julie, it's, it's Peter. Remember me, Miss Julie? I'm trying to—now I'm trying to picture your—
Yeah, it's Peter, and you're calling from—
Yeah, yeah. You, you wanted me to help you. Um, we haven't, haven't been busy. I kind of was not feeling too well, but it was about as the beneficiary, remember filling that out?
Yes.
Um, she's still checking in the stuff, that one—that's how come I called you back to tell you I think she text you, maybe you didn't know who she was.
Oh, yeah, yeah. Maybe—kind of what, what happened? I'm confused.
Yeah, because she did try to call you from work one day. I don't know what happened after that. I would have to ask her.
Oh, oh, I don't know if we spoke. I think maybe you spoke to someone else. Um, you just feel this—she couldn't because they said, um, wasn't there or something. I don't know, cuz she handles all my stuff now. Right now she's at a funeral. I can't get her.
Oh my gosh, is at a funeral?
Yeah. One of her friends at work, a parent.
Oh my gosh. Yeah. Well, I'm just—oh, that's so terrible. I was just kind of confused about the whole situation cuz it shows that I don't know if we spoke, maybe did he speak to someone else about this? I'm a little confused cuz this is the first time I don't know she called.
Oh, I wasn't there, you know, cuz she, you know, she has Earth, but when she comes home from the—I have to have her call you.
Okay. What, what—I'm just confused. Are you trying to get life insurance or no?
I'm kind of just, kind of confused. She was getting estimates of life insurance, but she's already talked to a couple of people. I don't know because I had insurance. She just wanted, we would, uh, wanted to see if we can get more, but um—
Oh, you already—I don't know what you know. I'm going to have to talk to her.
Okay, that's good. I just, it's on my phone. Yeah, but like in the evening. So you already have insurance.
Okay, that makes sense.
Oh, man, that makes it easier for me then. Okay. And how much do you, how much do you have? I, you had—
I have $25,000. I don't know why she wants to get more.
Yeah, I mean, that's the way things are going up. I don't know.
Yeah, I mean, 25 is a—how much are you paying for the 25?
Well, I had mine a while, this getting ready after a while. I don't have to pay anything. I've had it for maybe like 20 years, and I'm only paying like $72 a month.
Oh, yeah, that's, that's good. And see, everything else is—I told her everything else is going to be 100 or over.
Well, it depends on how much now, the $25 one, 25,000, are you paying for that one?
Uh, no, not now. I then, my mom—I have to look—my mom took out insurances on us too, but I don't know why Stacy's trying to get more insurance because my godson, yeah, has his own—turn off.
Oh my gosh. Would you look at that? See, you're all set, but she just wanted to check, make sure—I don't know.
All right. Well, let me know what you're thinking, and know just call me back in a bit.
Oh, when she gets home from the funeral. Now we'll be up to later on.
That's fine. I got to go to a doctor's appointment.
All right. All right. See you, sweetie. Bye-bye.
So ain't no value there. We're trying to figure out—she has 25,000, looks like a good policy. You got the daughter, or the daughter at a funeral, so a, it's just too complex. Wasn't able to, just—she was going to be the decision-maker, so I'm not going to just try to give her a quote and find options because I don't want to waste my time. We'll go on to the next lead, and we'll keep cooking through.
Are you sleeping right now?
I was just getting some rest for the last three days.
U—oh my God. I hadn't been able to get my sugar adjusted right. The things I was trying to do wasn't getting them to down.
Oh my gosh, really?
I had had for like three days now. I think I maybe had like maybe 12 hours sleeping, three days.
Really? Did you have to go to the hospital or anything?
No. Um, I just kept coming in here and laying back down when I got real tired. I was just real busy and, and tired.
Oh my gosh, how are you?
I have a, I have one of those machines I wear, um—er—yeah, and I wear it, and um, so when it gets really high or low or anything, it'll—lo—me, I mean, it goes off in the warm, and you'll hear it, or you won't be able to hear again.
Oh my gosh. But you're—everything's kind of maintaining a little bit good.
Well, yeah, um, I'm just really tired cuz, um, the day before yesterday I tried to go to bed and I couldn't go to sleep, and I tried to go to sleep all day long, and I never could get to sleep and then never could get to—no rest, just tossing and turning. So this is the intro there, and then I would just get up. This lady is—I just met her—listen to her, and um, I thought, well, when the day come, you know, I'll be better, I'll feel better.
Right, right, right.
Oh my gosh, you keep—last night, you know, I went to sleep. I didn't go to sleep early, but I went to sleep. Yeah, but um, it's like she knows me. I don't know. Um, my diabetes are weird.
I, yeah, yeah, I know you were—I was calling Miss Myra. Um, it was, it was about—I was trying to help you the other day. I think you were tired too. You put down—you remember filling that out? Um, me whenever I filled out my insurance thing.
Yeah. You filled out pretty recently. You put down that you, uh—
Yeah, and you put down that you, that's who's my, that's who's my other one. I have, I have a small policy.
Oh, good. Through, um, um, Mutual Omaha.
Okay, good. Oh wow. And I've called, I've talked to people, and then I've had it—people call me about things and stuff, and they can't beat the price. Okay, I have, I have like $10,000. I know that doesn't sound that much.
No, no, no, that's great. How much—I've already got my, um, cremation paid for about my ear and all that stuff, so that's so good.
Oh my gosh. And how much, how much are they making you—I'm just kind of confused why I came up to my desk then. How much coverage? So you got the 10,000. How much are they making you pay?
It's only $43 a month.
Okay, 43. And when did you get that policy?
Um, about four years ago.
Ah, okay. Four years ago. Yeah, see, you locked in a good—such a good plan. That is awesome. And where you just—cuz you put down that you do have coverage, where you just looking—possibly like—do you just feel like you don't have enough, or—
Well, I, I was looking into things cuz they've been ad—they advertise this stuff on TV and different things about you can get 50,000 for dollars a day and oh, all this stuff if you're a certain age, but everybody I've talked to and everybody that I've tried to, you know, work with, yeah, they say that I can't get it no cheaper. And when I talked to—I didn't know, I thought it was somebody else that called me about that, but no, when they gave me the quote, I couldn't beat the price that I had.
Yeah, I got you. All that 50,000 stuff's a b—a bunch of bologna. I'm going to shoot you straight. I mean, why do you, do you feel like you would need some additional coverage? I'm just confused.
Well, the only thing I'm worried about is if something happens to me, um, I, I'm just on, I'm on Social Security disability, and now I'm just on Social Security because they changed it over to Social Security because of my age and, and I draw a pretty good check. Okay, but um, you know, um, my kids, you know, I help them out. Trying to find the value here. I have three—oh, three—my son and—see, I got, I get, I get help. I get like, you know, my groceries and stuff. I get food stamps, and then I also have where I can get, um, um, that money, that the foods from my insurance company, you know, where they get—you get to extra amount of money for your insurance company.
Yeah. And then, WCCA helps me. They got some—we got to get her back on track, built her Dre—I mean, she un—can you hear me?
Okay. Oh, I thought we got disconnected. Um, so she's got four kids, and um, three of them living—get—
Yeah. So what, what would you do with the extra life insurance? Like, why do you feel like you would get—they're all, you know, they're all adults. I mean, I've got a great-grandbaby by her daughter. Yeah, and she's already almost—sure you basically, you know, it's pretty well, you know, I just—I have a—I just get back to being D—straight, straight to the point.
Yeah. Well, Miss, uh, Miss Myra, I mean, you honestly have a really good policy. The only thing I could help you with would be adding additional to, to your coverage. Would that be even helpful for you?
No. Because I thought about doing that with them, which they gave—they, they, they've kind of closed me a pretty good TR price to put like three or five or, you know, another 10 on there, but now the insurance has gone up cuz it goes up by the age you are.
Yeah, I mean, how much extra would you—I can give you a quick quote. How much extra are you looking for?
Well, see, I had—I'm not really sure. U—you know, basically when I, when I heard it on the internet, you know, I'm on the internet is not always—I mean, just for—I mean, just for like 5,000. I mean, if you just wanted an extra 5,000, would that even be helpful for you?
Well, it's going to be too much because the quote that Jo had gave me the last time, it was going to be almost as much for 5,000 as what I'm paying for the—or more than I'm paying.
No way. 10,000. Who told you—no, no way.
Wow. And cuz 5,000—they got you—like, there's discounts for you because you're, you're pretty healthy. You're—what were they telling you before? Was it ridiculous?
It was like, it was going to be like $109 for $10,000.
Oh, absolutely not. No, no, no. Do you have any—let me see what's going on here, cuz that's—you could get it for less than what you're paying.
No, no way. And let me see what's kind of going on here. Any heart attacks, strokes, or cancers at all? News for you. I was looking through the options, and what you're looking for—if you wanted to add on—well, let me ask you this because I pulled up everything with your health—there's, are, there are some options here for you. Why—so why would you think it'd be important to have a few extra thousand? Do—why is that important to you?
Um, well, I just want to make sure that if I have any bills that they come after them for, like credit cards or anything like that, that my kids don't end up getting saddled down with that, because I know they say that they don't, but a lot of times they will go after family members when you have credit card—
Yeah. And who do you think would, uh, who do you think would have to pay for everything?
Well, I think what they do is if you have an insurance policy, they go after your beneficiary, which would be my son Tom.
Sure. So you're—Thomas would be the one responsible for everything. I'm afraid that might be the way it was, but then you can't get blood out of a turnip, but my son Thomas is a very, um, good boy. He's very courageous. He's a tenor singer with the Kingsmen Quartet. That's his job. He goes all over—he goes all over the world on a bus and sings to people and has, you know, gets people to find God and all that stuff. And I guess, as the year, you know, he's gone like four days a week and home three days a week. So that's basically—
That's awesome. Well, I got some—yeah. Well, I got some good news here. I, I did show here that there are some options that are available for you, and you're looking for like the whole life insurance, right? Something where it's like your Mutual policy, the price doesn't change, it'll be there for you forever, and it won't expire on you. And I know I have to pay for it till I die, but that term insurance scares me. I don't really know how that works, but I know that if you get a policy—I know you can get a whole lot more money for less money, but then I'm not sure how much it'll pay out if you die within 10 years after you get it.
Yeah. And with your health, honestly, there's not going to be terms—harder to get. You're not going to be able to qualify for term, um, but there is one company that looks like they'd be willing to—ure—when you got that Mutual policy, you probably didn't have all the, you know, all the health stuff that you have to go through now, which is totally okay. So things do change. For example, if we went back to Mutual Omaha to add on life insurance with your health, they're going to make you wait like a 2-year waiting period, but there is one—there's a company that would give you that won't give you like a full 2-year waiting period, um, it's with the company, but if you just wanted to—I think your main purpose is you're worried that you don't have enough. You want to make sure the bills are taken care of. You want to make sure that you have extra. You've been trying to add on, but people were telling you like the five, like the, like the 5,000, like hundred and some dollars is what you've been, what you've been hearing, right? So if you just wanted to, as a mother, make sure that your son has a little extra, make sure that they know everything's in place, the 5,000 here is actually what's called the starter Pro program. It's for everyone who's on a fixed income can afford this. If you wanted to have 5,000, so that means you'd have 10 plus 5, that would give you 15,000. Do you think that would kind of give you some peace of mind, 15,000 total?
Well, I'm going to be totally honest with you, um, my son, you know, that's the beneficiary, um, like I said, his wife's a school teacher, and—
Okay. So you want to give this gift them? Yeah. So this will mean—this would probably mean a lot, you, and if you could give them that gift. Okay. Well, here we are with kind of like the affordability for you too. This could be that gift for, for your son. Um, the $5,000 policy, it's not $100. The 5,000 is only coming up at like a dollar a day, $38.25 a month for the 5,000. Okay, that's the first option. You want me to go up a little bit or go down?
Um, just tell me the different things.
Yeah, the second one is the 7,000. This is going to be able to give that, that large gift, make sure you know everyone's able to get on their feet. He's able to kind of move forward and be able to make sure he's taking care of when that time does come. If, let's say, he doesn't have a backup option, this could be that backup option for him. The 7,000, um, is right at $51.75 per month.
Okay. So it's almost—it's a little bit more than what I got right now for my—
Yeah, it's not going to be cheaper because you got that so long ago, and then also your health has changed a ton. So this is, is going to be—this is going to be the best rate for you Statewide. Now, out of, out of those two options, do you think what would give you the most peace of mind though, thinking of your son here? Do you think you rather go with the, the 5,000 or like the 7,000?
Well, I'm just going to be totally honest with you, and um, let you know, um, I'm not sure if I can afford to put anything on me right now because, like I said, my son's in prison, and I'm sending him—
We just finished up that phone call. Was way too long, 28, 30 minutes long or so. Um, just someone who I know really wasn't a buyer. Kind of felt for her there; she was going through a lot. Potentially like a little bit of value, but she kept on just going off topic, and um, ultimately just wasn't able to help her. So just want to give you guys an insight of how the process works of calling people who've already been quoted insurance but didn't buy, and mainly just want to teach you basically how to overcome the beginning objections, to push through, to handle the smoke screen, to use my playful tone, and ultimately how you can get every—want to speak to me. Not many people were rude and hung up on me. My intro was really the key to having these conversations, and I hope you guys learned a lot. If you like more live call videos, I always take your feedback and want to know, so drop it below, and we'll see you the next one. Take care. Cheers.