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Americo’s NEW Final Expense in 2025 - Eagle Select (Ep. 221)
Discover the game-changing final expense product by Americo set to revolutionize 2025! Andrew Taylor sits down with Americo representative, Lindsay Autry, to break down this incredible new offering. With one of the easiest applications in the industry and record-breaking results, this product is designed to simplify your sales process. They’ll walk you through the level and graded benefits, highlight the lightning-fast underwriting, and explain why their confirmation and e-delivery system is one of the best on the market. If you’re serious about growing your business and helping more families, this is a must-watch. Don’t miss out! Want to add this product to your business? Comment "EAGLE" and we'll help you out!
Hello everybody. Andrew Taylor, here, today we have Lindsay Autry with us. Yeah, thank you for coming in.
Speaker 2:Oh, I hear like people cheering in the background. That's awesome, so everybody.
Speaker 1:Lindsay is, with AmeriCo, one of the first companies to bet on family for its life when we first opened up. Yeah, I don't think we'd be open without AmeriCo.
Speaker 2:No.
Speaker 1:When I started, I was like, oh, you only have one carrier. And no, when I started I was like, oh, you only have one carrier. And they're like, yeah, you don't need any other carriers. And I was like, ok, so I just wrote a lot of AmeriCo products because you guys were like, yeah, we're going to believe in these guys and let's see what they got. And there was only a few people with us and then you just told me before we started filming how many apps did we do last week?
Speaker 2:Well, we set a record Just last week FFL we did over 8,200 applications last week.
Speaker 1:Just with AmeriCo.
Speaker 2:Just with AmeriCo FFL, over 8,200. And I'm just putting it out there. Sean has already said by the summer we're going to be doing 10,000 apps a week and it's going to happen.
Speaker 1:Yeah Well, the company's in a really good place for a lot of different reasons, but one specific reason is the opportunity that's opened up with being able to sell over the phone and on Zoom Huge. And then the technology that AmeriCo has with the quick underwriting, and then the new product that AmeriCo has, which is for final expense. Americo has which is for final expense. What I'm hearing from agents is like the best final expense product and it's priced really low, so it's a good deal for the customer and it issues a lot of scenarios. It's not. There's some companies they go we have the best price final expense product but they don't issue any business. Right, but you guys are actually issuing the business as well.
Speaker 2:Yeah. So that was a huge change, not only like with our product but I think, like industry-wide. You know, when we came out with the new Eagle Select, it's no longer. You know. Back in the old day when we had the Eagle Premier and the Eagle Guaranteed, it was either yes or no questions. If they answer yes, it's guaranteed.
Speaker 1:You know it's very black and white Except. Reject questions.
Speaker 2:Exactly. Well, with the Eagle Select, we now know and as far as you know, agents, you guys all know just because somebody answers yes to a certain question doesn't mean that they shouldn't be able to, at least potentially, have the opportunity to qualify, right. So with the Eagle Select, it's no longer yes or no, accept or reject questions. We're looking at them as an individual and their specific health. Right, it's no longer. We're no longer letting questions tell us yes or no. If they're going to be approved, it's actually really going to be based on the client's health there. You know what medications they're taking, their history. It is 100 percent specific to that client. So that was a huge difference which is allowing us to approve a lot more people, because it's no longer the questions telling us if we should approve them or not, it's actually their health.
Speaker 1:So you guys are looking more into just a diagnosis. You're looking into all kinds of other factors to decide.
Speaker 2:Absolutely. We're looking at, you know, not just the diagnosis, but we're looking at their medications. You know, if they, let's say, they had a stroke, right, well, maybe it was like 15 years ago, okay, great, they had a stroke, you know, they don't have any other issues, it hasn't came up again. Let's go level one. They're good.
Speaker 1:And level one's pricing is legit.
Speaker 2:Oh, you're not going to find a lower premium. With day one coverage, with the service and the process for the client and the agent, Nothing's going to beat AmeriCo and the agent, nothing's going to beat AmeriCo Like it. You won't again like, whether it's the price, whether it's the process, it's the support, it's the coverage, it's the benefit. They can't lose if you're, if you're going with AmeriCo.
Speaker 1:Yeah, that's huge. Any other? What are some other highlights on that product, cause I want to also get into the IUL.
Speaker 2:Absolutely so. Other big highlights with highlights, with the new Eagle Select. Okay, so we've got Eagle Select, we've got Level 1. That's going to be your really healthy clients. They're going to get that day one coverage. Ages from 40 up to the age of 85. Benefit from 5,000 up to 40,000.
Speaker 2:The accidental rider can be added on if they want it. And also, remember, if you add on the accidental, which is going to double the face value if they pass away due to an accident, but if they get the accidental rider, it automatically comes with that common carrier. And I believe a lot of agents forget that. That the common carrier, that's a triple indemnity that's going to triple the face amount. And when we talk about common carrier benefit, we're talking about bus, plane, train, cruise ship, anything that the client would purchase a ticket for. And if they pass away due to an accident and they're a passenger on that fair paying mode of transportation, I guess then that policy is going to pay out three times, so that automatically comes with that accidental, so they can always add that.
Speaker 2:Um, but then we have level one, we have level two, which is going to be the exact same thing as level one, but maybe they just have a few conditions, right, maybe they take a few more medications or, you know, something happened.
Speaker 2:So they're still going to have the exact same opportunity, with face amounts going up to $40,000. It's still exactly same day, one coverage, everything's going to be exactly the same, Just the premium might be a little bit more, simply because there's a little bit more risk. Right, makes sense. And then level three, this is going to be our graded benefits and we kind of have really separated ourselves from the other carriers with our graded benefit because it is a two-year graded benefit and what's great about that is that it's going to go up to $25,000 in face amount and during those two-year graded benefit, if something were to happen to them in that graded time, most carriers it's return of premium plus like 10% of the face value, right, well, with AmeriCo it's going to be return of premium plus whatever number of months that policy has been in place. So if you've got someone and they pass away, unfortunately, let's say in month 18, they're going to get all their premiums back plus the 18%. So that's kind of how we've separated ourselves.
Speaker 1:How loose is that, paula? The guidelines on that one.
Speaker 2:So that one, I mean the graded benefit, are going to be those that have, let's say, they.
Speaker 1:Is it like. But what I'm?
Speaker 2:asking is how close to guaranteed issue is that? You know it really is going to come down to the diagnosis. Like there's some of those diagnoses and issues that are going to be 100% GI right, I would say you know, typically if they've got more than three conditions then it's going to go.
Speaker 1:GI, three major conditions yeah, it's going to go. Gi, Okay, that's good to know. So for everybody watching a graded policy policy, usually you die. In the first two years you get your premiums back plus 10 interest and that's the company kind of hedging against you. Something possibly could happen to you right away and if it does we're not going to pay the full death benefit, right. But you guys are saying our graded is going to pay your premiums back plus 18 if they pass away in month, 18 in month, okay, what about 17 it'd?
Speaker 1:be 17? If they pass away in month 18. In month, okay. What about 17?
Speaker 2:It'd be 17%. Okay, if they pass away in month 10, it'd be 10%.
Speaker 1:In month five, it'd be five. Yes, okay, yeah, that's cool. So that second year is real, a lot more than any other graded policy that I've ever heard of or seen.
Speaker 2:Absolutely.
Speaker 1:Yeah, that's graded policy that I've ever heard of or seen, absolutely. Yeah, that's huge, so awesome. Now you guys used to have a more expensive final expense product, but it would issue a lot of business and it was a really helpful tool. Can we still write that one?
Speaker 2:No Eagle Premier and the Eagle Guaranteed, they're retired.
Speaker 2:They are retired. It was. It was kind of a, a risk. You know, we we that was Eagle Premier, that was our, you know, our first final expense. That's what we came out with, everything. And in order to, in order for AmeriCo to be like okay, we're going to take a product that you know we're doing a hundred million in in a year and we are just going to pull that off the shelf and we're going to put this one out there. We're replacing it. We're not adding it, we are replacing it. It was kind of a. We were a little nervous at the beginning but I mean it has paid out unbelievably. When we released, we've already done over 16 million with with the new eagle that we've already done?
Speaker 1:how long?
Speaker 2:let's see november, december, january, february three months. We've already done over 16 million in three months and it's priced so good.
Speaker 1:That's what I love about it, because I don't. I hate if you write a policy and then someone can call and they go oh you know, I'm going to save you $9. And then now, usually if you do a good job selling, that shouldn't happen because the customer is going to be loyal to you. But if someone does that, it sucks, because then you get a charge back.
Speaker 2:Exactly, yeah, we really do believe.
Speaker 2:Like this, the Eagle Select, not only is it going to help agents, right, to cut that charge back off because, you're right, you know, back in the day people knew that if you had a Numerico it was going to be pretty easy to come in and replace it because it was so much higher, right, they can't do that anymore.
Speaker 2:So it's going to help agents not get any chargebacks. Plus, what it's also going to do is, anytime those policies would fall off, that's going to hurt your persistency, right. So this Eagle Select, now they can't beat you on price. They're not going to be able to beat them on the process, and when you I mean FFL has the best agents and when you guys sell, you guys are shark proof in this enough to know that they can't get this anywhere else and they don't want to work with anybody else and they don't want to be having their family covered with anyone else other than Americo. So it is going to start seeing persistency for agents is just going to be through the roof. Statistically, final expense usually has a little bit lower persistency. It's going to change the market. It's going to change it.
Speaker 1:Well, if anybody wants to sell this and you don't have Americo, my cell phone number is 760-881-6800 and I will be happy to get you hooked up with them with this new product, with americo. Um, sometimes it's funny because, like the insurance world, you have people who are crushing it and then you have this whole another world of people that are in chat rooms complaining about everything. Um, and sometimes people will send things to me and they'll be like this person said uh, you know, ffl is going out of business, and I'm like, oh okay, well, we just sent americo 8 200 apps last week. But whatever we're gonna, we're gonna focus on working like we've always done and you guys focus on spreading rumors. But the reason I'm bringing this up is because I've seen people talk smack about americo in there as a recruiting tool just to try to somehow get business. But people don't like. People don't like it when you bash other people when you're recruiting oh, it doesn't work, right, no?
Speaker 1:but all those people complaining now they're going to be like oh shoot, I wish I had this new americo product because it's the it's the best product on the market it is, it can't be beaten yeah and and from an agent's perspective I mean.
Speaker 2:So I don't know if you knew this about me, but so I've been with americo for two years and january was was my two year with americo, um, but before that I was, I was an agent. I was an agent for eight years and I, you know, I've I've sold everybody from Americo to mutual to am like trans, like all of them, like I was a broker, and I don't think I'm being, you know, vague or anything with this, but when it comes to processes, americo it with our e-application.
Speaker 2:Like there is not a more simple process, whether it's the whole application or the text signature.
Speaker 1:Like everything, and not only that, like it tells you to stop. Yes, if they're not going to qualify like right in the very beginning, oh, we'll just'll just withdraw it.
Speaker 2:We'll be like no stop right, go somewhere else.
Speaker 1:Yeah.
Speaker 2:Because at that, what point is it?
Speaker 1:To do all that work.
Speaker 2:Yeah, I mean when you're doing telesales and you're doing virtual sales or you're just doing sales in general. Time is money. Like don't sit there and waste your time going through an entire application to get to the very end, to be like, oh you know, john, sorry. Yeah, I know I already got all your information, but you know they declined it. Start with us. You know a lot of times, well, we want agents to start with us first, because sometimes you know agents might get worried about like placement right. America, we don't look at placement as a negative right. We want you to lead with us. Give us the first right to refusal.
Speaker 1:That's huge too.
Speaker 2:Okay, we do not hold that against you, because, number one, what it's going to do is, if you start with us and we approve it, great, you were done in like 15 minutes or less. But two, if we can't approve them, we're going to tell you immediately so that you can get John a policy with one of the other carriers. That's the great thing about with FFL you guys have multiple options, because I mean, let's just be honest, we're not going to be able to approve every single person that comes through right. We just won't.
Speaker 2:But that's why there's other carriers there. So, starting with us, let us tell you yes or no immediately, quickly, saving you time, saving the clients time, because clients don't want to stay on the phone for another 40 minutes to go through the entire thing again. You're going to lose it. So, start with us, Let us tell you right off the bat If we approve it, great, you're done. They've got the best policy with the best carrier. If we don't approve it, don't worry. It only took you like three or four minutes to know that, and now you're off to the next carrier.
Speaker 1:Yeah, yeah. So that's awesome. Now you're out here for our new agent lock-in training, which we do once a month, and I just want to talk about this for everybody watching. So once a month we do this training and if you're a new agent, you can come in and we're going to try to help you get your first sale. But you can also watch people that are really good sell in front of you and get rejected in front of you, which people love seeing.
Speaker 2:Absolutely. You learn a lot in rejection.
Speaker 1:Yeah, and you get to see that. But we have this leaderboard that we made a real time. Stephen Yee made it. It's a real time live leaderboard and every time someone makes a sale they can upload their sale into this real time live leaderboard and it tracks by carrier and type of policy and all these different things In the first hour type of policy and all these different things in the first hour. We were at 20 000 in sales.
Speaker 1:So we're looking at, we're we're planning on writing a few hundred thousand just from this one little meeting, yes, and within, within calling and working, we're also sprinkling in training yes and so we think that this is kind of like a really cool new way of training, where it's like an active training because you, you hear, you hear from some of the top producers, you learn how to do things and then you apply it right here with us. So right now I think we have 100, probably 150 people. We're all going to be selling and training all day. We went out, we're going over some AmeriCo stuff, but the IUL is one of them. Can you talk about that?
Speaker 2:Yeah, so the IUL. So that was a product that we released just like right at a year ago. The very end of February is when we released that last year and again FFL, you guys completely shattered any kind of records or even what we were thinking we were going to be able to do with it. So with our IUL right now, this specific IUL that we have, it is very much death benefit driven and focused. You know there's a lot of other carriers that have some really aggressive cash value. You know that that's great.
Speaker 1:So like I have a national life group hat on, I turned it around backwards, since you're here with me.
Speaker 2:I should have brought the hat.
Speaker 1:That's a good cash value product. Yes, but you're saying that you're? This is a simplified IUL that's really focused on having a death benefit.
Speaker 2:The death benefit with the opportunity to build the cash value right. So the great thing with ours is it is simplified issue. So the same underwriting that we have with all of our term products is the exact same with our IUL Okay, the application, everything is exactly the same. The only thing that's different is now you have the illustration. Okay, the application, everything is exactly the same. The only thing that's different is now you have the illustration. Okay. And speaking of the illustration, it's super simple and easy because you create it right there at the very beginning you go through and when you start the app, it automatically throws it right there together and so when they're signing, they are signing everything all at one time, so you don't have to go to certain places and bring you know, sign it over here and then have them do a signature on this one. It is all done at the exact same time at the point of sale, right there in the application.
Speaker 2:The other great thing with our IUL is it goes up to $450,000 for all issue ages, from the ages of 18 up to the age of 75. So it doesn't matter if they're 18 years old or if they're 75 years old. They can get up to $450,000. And in that $450,000, we have the living benefits that are automatically included at no additional cost. So not only are they getting the death benefits, so they've got the protection, the peace of mind knowing that the death benefit is going to be there. They have the living benefits that's going to be there. Plus they have that opportunity to build that cash value, which is what that IUL is really designed to do.
Speaker 2:Now, the great thing that we kind of discussed at convention which, by the way, was absolutely amazing, loved it is we designed our IUL based off of the information and the feedback that we got from FFL Because, again, nobody sells insurance specifically final expense and IULs off of the information and the feedback that we got from FFL, because, again, nobody sells insurance specifically final expense and IULs like FFL does. So we brought a lot of you guys into our office and that's how we designed our IUL and that's what you guys told us. You guys needed and wanted a death benefit focused IUL that was going to be super competitive in rates and in simple, easy process, with the illustrations, everything. So that's what we've got right now. More feedback we're getting is now we want to beef it up a little bit more right. We want to be able to have that opportunity for the advanced illustrations you know doing the mix.
Speaker 2:Yes, absolutely. So we wanted to get the foundation. We built a solid, strong foundation with the one that we have right now. Now we get to have fun with it and really start building and beefing this thing up. So at convention I release you know here very, very shortly, very soon we're going to be able to have that opportunity for the advanced illustrations right there in the application. We're going to be able to have that. It's click of a button If you want to do the max funding, if you want to do target, whatever it is right there in the application, you're going to be able to do it.
Speaker 1:That's awesome. So I want to tell a quick story, because what you're talking about with the technology and the text app how you can text for the signature and how easy you can use the e-app and you guys built that it's not like iPipeline or anything right, it's like your own custom built e-app yes okay.
Speaker 1:so when I was new. So we're talking, this is 2008, I'm 18 years old and I am I'm 18 years old and I am doing what every agent does and I'm like thinking my job is to give you the lowest price I can possibly find as a new agent Okay, but without understanding that not everybody can qualify for that price. Okay, so what I would do is I would, I would quote you let's say you have multiple medical conditions Instead of going simplified issue, I would quote you fully underwritten and then later you would end up getting declined. Okay, yep. So July of 2008,. I had written, like it was around 28,000 in premium, okay, and only 2 000 got approved and all none of those other people ended up with any type of insurance.
Speaker 1:And the person that was mentoring mentoring me at the time, he was like, okay, I wrote, instead of selling on price, I sold on value and I sold to get you approved and I use the tool, the company that had the quickest underwriting to get it done the fastest, okay. And he's like I submitted 48 000 and I issued 45 000. You submitted 28 000, you issued 2 000. So he goes. You're now now, since you're this guy that cares about helping people, because that's why you're choosing what products you write. Who cares more about helping people me or you? And I'm like oh shoot, I'm not helping anybody if I don't get them approved.
Speaker 2:Right.
Speaker 1:So the power of the app, like even recently, like I've done a few applications and if the application is really hard to do, I'll end up losing the customer.
Speaker 2:Yeah, and if the application is really hard to do.
Speaker 1:I'll end up losing the customer. Yeah, it's like if they can't figure out how to download an app and then do the signature inside the app and then whatever, instead of just going. Hey, here's a text. Read me the number.
Speaker 2:Exactly.
Speaker 2:You know, yeah, and I think that's a huge thing. Like life insurance, it's not hard Getting it. Shouldn't be hard either. Right, the process. As an agent, you know it's supposed to be simple because this is something that every single person needs. Right, this is something that everyone needs. There's so many times that I remember when I was an agent and I've talked to other agents in the field. You know it's the process. You know they don't want to answer all the questions. They won't. They don't want to go and have you know all these different tests or go and have you know blood urine. All those things done.
Speaker 2:Well, with a simplified issue with AmeriCo, all of our process and all of our products are done on Asian tools. It's all simplified issue. We don't require any fully underwritten. I think we have one product that is fully underwritten, but other than that, everything we have is simplified issue. Everything can be done with the text signature, everything done. Everything has that instant decision. We have the e-delivery with their policy. So as soon as they're approved, they can have their policy delivered to them in their email and it's right there within two minutes Within two minutes.
Speaker 2:Within two minutes, they have their policy.
Speaker 1:Legit.
Speaker 2:I mean, that's the other thing I know. Sometimes, when I would get insurance or you sign up for something, you have to wait a couple of days in the mail and be like, well, shoot, do I have it? Like you're waiting for some cards to show, like I don't even know if I've got this yet. No, with us they know that they're approved instantly and they know that they've got their policy within their inbox within two minutes. They've got it. Now, if they wanna have their policy mailed to them because some people like to have a paper copy, we'll send a paper copy also. But that is a great way to like solidify the sale with you. Know you're talking to beverly and and mike and you know closing the loop you are yeah, you're, you're telling them.
Speaker 2:Okay, this, this isn't just yeah, this isn't a quote. This isn't going to be like well, let's see if we can get you. No, you're approved. Here's your policy.
Speaker 1:It's enforced right now yeah, that used to be so when I was new. My sales pitch would be like all right, lindsey, if you don't like it, maybe you won't.
Speaker 2:Uh, you can cancel it like you've got 30 days to think about 30 days and guess what everyone did canceled canceled.
Speaker 1:and then when I got more confidence because I went on so many appointments and then I started to make sales and I started of believe in myself more, I'll be like Lindsay when I leave here today. If you go, if you go to bed tonight and you don't wake up tomorrow, your kids are taken care of. It will be completely done. Right now you do not have to worry about it. Yeah, like there's such a big difference with those two things. But if I could say now that was just off of the conditional receipt, but now I can say when I'm done with you today, your policy is in your email.
Speaker 2:You have it.
Speaker 1:Yeah.
Speaker 2:Yeah, I would always follow up as kind of a solidifying sale. It's like, okay, this is probably especially when you're doing virtual calls and I had sold everything over the phone. I would tell I'd say, beverly, this is the most important phone call you're going to take today. Okay, because we're talking about your family, we're protecting your family. The second most important phone call I need you to do is the phone call right after this, and I need you to call whoever their beneficiary is. I need you to call your daughter, Sam, because she needs to know about this policy and she needs to know where it's at. So you tell her my policy is in my email. I'm having it. You know I'm going to forward it to you also, so you have it. Like I would like tell them this is the most important phone call because we're talking about your family. The second one you're going to call your beneficiary and tell her where it's at. You're going to forward her the policy so she has has it.
Speaker 2:If something happens to you, it just kind of put like into perspective, like this is important, we're not playing around. We're not shopping around. No, we're getting this in place and you don't touch it so that I can get you contracted if you want. You know, sometimes, sometimes I I think back. I'm like man I would love, because we didn't have eagle select when, when I was an agent, I was like gosh I gosh, you should tell jeremy.
Speaker 1:Jeremy, do you care if I train while selling?
Speaker 2:Oh, we should do like an America Power Hour, like agents versus.
Speaker 1:Well, you're the only carrier person that would do it. No one else would actually take that challenge.
Speaker 2:Oh, I definitely would do it 100%.
Speaker 1:I know you would 100%.
Speaker 2:But no, that was yeah. It's just a simple, easy process and I think it also comes back to it. You know you have to believe in what you're selling. Also, right, we all need to have a story. You know why are you helping people, why is life insurance important? You know, did you lose a family member? Did you have a friend? You know what happened. That makes you understand and be able to tell people like this is the most important thing right now. If we don't get this done, you're leaving your family open to risk, right, what?
Speaker 2:what is that story for you? What made you get into it?
Speaker 1:well, when I was it's funny when I was 10 my dad died. Okay, and you think about like how people end up doing what they do and you don't really put all the pieces together until you really think about it yep he had no life insurance.
Speaker 1:My mom had no job and I have three siblings and she had no money. Okay, so I always tell people my mom's like my hero, because she's a complete animal one. She, uh, is always the happiest person around, yeah. And then she got whatever a bartending job, a job at a daycare and who knows what else took care of us, and then you get like 800 a month for social security yeah, like a survivor's benefit, yeah yep, wait per kid until they're 16 or 18 or something.
Speaker 1:That helped, yeah, um so. But what's crazy I always tell people is like right after that, someone came over to the house and guess who it was? It was a aig life insurance guy because she was bought even though she didn't have a lot of money. She's like I need to admit, I need to figure out, because what if something happens to me? What's going to happen? These kids?
Speaker 1:yep so right after that life insurance dude comes over. And then, um, so I turn 18 and I read this book rich dad, poor dad and I'm like I need a way to make money. And I was at the grocery store and I'm like this isn't going to do it. Like $250 a week and you don't get to control your own schedule and the hours are all over the place, right. So I'm like, okay, I need to get into sales. I met someone that was selling life insurance. I was just like I'm totally in. If I make one sale a month, it would make up probably my whole month at the grocery store. So I was like that's a no-brainer.
Speaker 1:Well, my mom ended up getting remarried. So this is like. I turned 15 or 16. My mom gets remarried and then, when I was 24, my mom's second husband died. So he died of a heart attack and I was calling leads when I got the call to go to the hospital and it was so sad. But when I left I was like you know what? I'm not going to let people tell me no anymore. I was like why am I letting people off the hook if it's this important? So then I went like it's funny, because you think like, why am I letting people off the hook if it's this important? So then I went like it's funny because you think, like you think that it's not you when it sales, but it's always you. So from that day I was like, okay, I'm going to tell people how important this is, I'm not letting them off the hook. And I sold like 50 policies in a row, 50 appointments in a row.
Speaker 2:Yeah.
Speaker 1:And then you forget how precious life is. Like it's, something happens and it makes you realize it, and then time goes on and you forget, yep. So then that started to wear off the importance of life, how fragile life is. And then I went back to a cell here, or a cell here, or a cell here, so here. So what I did is I took pictures of all the important people, or all the people that I love, that had passed away. I put them on my, I put them on my desk and then, anytime I was working, it would be a reminder that I'm actually helping people instead of thinking I was bothering people, you know.
Speaker 2:Oh, absolutely, you know my mom. So, uh, I'm very sorry for for all the loss um that you, that you and your family, has gone through. Um, I also lost my dad. He um I was I was 20 when I lost him um car accident, so you know accidents happen right, happen right.
Speaker 2:Um, he uh was was leaving. He was a high school principal and he was on his way to referee a wrestling tournament and wrong place, you know, an accident. So he did have a life insurance policy, which was great, because all of us kids there's there's four of us there, there's four of my siblings I'm the baby, but we were all in college and out and everything, but my mom still, you know, she was 45. No, 54. She was 54.
Speaker 2:So young, right, has a lot of life left to live, left to live.
Speaker 2:And you know she said something about seven months ago that when I think about it, I think of all of my agents, I think of you guys, and I'm like I never would want a client to say what my mom just said. And this is a huge statistic Like they're like 48 to almost 40, almost 50% of clients that have life insurance right now wish they had more. And my mom is 72. Like, so she still has a lot of life left and she's there and she's like I wish we had more, because now she's at that point in her life where she can't really go back and get a job and work, but everything's gone, like the life insurance policy is gone, like she's living on Social Security, but when you have the increase of the economy, like she's, like I wish we would have had more and I'm like I want to make sure that americo has the products on the platform. The agents know about it and we make it the most simple and easy process, from the agent to the client.
Speaker 1:To everything that no person ever says I wish we had more, so, yeah, um, when I used to sell, I came up with this thing where I because I would always think, like if they had insurance that I was out when i- was new, but then I was like then I I was like, okay if I leave, and even if I left, with you getting five thousand dollars more, no one's going to complain when that gets paid out they, they're going to be grateful that we put it in place.
Speaker 2:I've never had somebody complain that mom and dad had a policy in place and that they received a check. I've that.
Speaker 1:Yeah.
Speaker 2:Nobody complains about that.
Speaker 1:Well, that's a crazy story. I'm sorry to hear that too, that's.
Speaker 2:Yeah, but that that was like my fuel. That's, that's what got me into, you know, know, wanting to help and, you know, to make sure people were protected, because I wanted. And on the other side of it, before I became an agent, I was a family service counselor for a cemetery and funeral home, so I did prearranged funerals and cemetery and so I've seen it like when a family comes in and someone passes away and there is a policy and how easy it is. But I've also seen it when there's nothing and they're sending, you know, the the tray around at church or they're setting up GoFundMes and and things like.
Speaker 2:And we all know, probably, people that have been in those situations where there was nothing put in place because they didn't think they needed it or they didn't think they, you know, could afford it or anything. Right, oh, I'm too young, I don't need it right now, I'll get it later. Well, that doesn't care about how old you are, what point you are in your life, or anything like that. It's, it's coming, it's coming to us all. So we might as well make sure that everybody that we know and we talk to is ready for it.
Speaker 1:Mm-hmm, Now do you guys still do the CBO product?
Speaker 2:We do Our CBO, our cashback option, yep.
Speaker 1:I freaking love that product.
Speaker 2:I do too. I've got two of them.
Speaker 1:Yeah, I used to sell that thing. My pitch would be this It'd be like all right, lindsay, if you get this and you don't die in 20 or 25 or 30 years, you get all your money back. And if you do die then your significant other gets the death benefit, and if you get this then I get paid.
Speaker 2:So cause I get a commission, so everybody wins, and then everyone would be like, yeah, why wouldn't I do that? Exactly, and see, I love that because that's a great way to go at it. I went at it. Also is that you know I usually would sell two CBOs is what I would do for them. I would do like a CBO 30 and then like a CBO 20 or 25.
Speaker 1:So good.
Speaker 2:And because I told them like this this is how I structured myself with my own. You know, when I'm 65, right there around retirement and everything, one of my CBOs is the 25 one is going to age out, right, I'm going to take that 30 grand or something. I'm going to put that bad boy either into my IUL or I'm going to put it into annuity. I'm going to let my money keep making me money, right? And then I've got my other one that's going to go for another five years. And then I've got my other one that's going to go for another five years that if I do pass away, okay, well, my family will get the benefit. Or if I don't pass away, there's another 32 grand that I'm going to have. And who couldn't use $32,000 when they're in their 60s and, you know, close to 70?
Speaker 2:that getting ready for retirement yeah, do you have kids? I do. I've got a six she's almost 16 and daughter and a 10 year old son.
Speaker 1:Wow, how is it with a 16 year old daughter?
Speaker 2:Depends on the day. Depends on the day and depends on the the topic. Yeah, she's great though.
Speaker 1:I have a two year old daughter and a four year old son, and the daughter is you can just see that she's she's like, she's a aggressive, yeah, like, and the boy's like super sweet, and she's just like. She doesn't take nothing from no one and she's only two, but, like, every day she puts a dress on, she does her nails, she does her makeup yes yeah, I can't. I can only imagine what it's going to be like when she's 16 she'll probably be the same.
Speaker 2:She'll be the same, but it'll, it'll be great because you know, there there's moments where it's difficult, because I think back I'm like, oh my goodness, was I like this? And I, I guarantee you I was. Um, my mom would say, and you were worse, probably, but there's times. But then there's other times when, like, my son will be having trouble with something and she'll just come out of her room and she'll sit down and she, I'm like.
Speaker 1:What a dream.
Speaker 2:What Like? Could I be any more blessed? Like I don't think so, don't think so.
Speaker 1:That's cool.
Speaker 2:Yeah.
Speaker 1:How many siblings do you have?
Speaker 2:I've got three siblings, so there's four of us. So I've got my oldest brother, him and his family. They live in Wyoming. He is a high school principal. My whole family, my mom, my dad.
Speaker 1:Principals.
Speaker 2:Principals yes, principals and teachers and coaches, so brothers in Wyoming. My sister lives in Kansas city Overland park area area, where where I live also, and then my other brother lives in Vero beach out there in Florida, him and his family, so we're kind of spread out all over. Except for my sister and I were we stayed close.
Speaker 1:Are you a chiefs fan?
Speaker 2:I am. I am a Chiefs fan, I am not a Swifty, you're not Not a Swifty. No, I do love our Chiefs, though, other than the last game they played, don't know what happened. I think everybody, I think we just left the talent and everything never got on the plane. It was all still in Kansas City.
Speaker 1:It never made it to new orleans I have a theory, though, because I bet on the eagles, and the reason I bet on the eagles is because you know how the refs were getting so much heat on instagram for like all the crazy calls they make that benefit the chiefs, yeah. So I was like the refs are going to be scared to call things because they're going to turn into a meme.
Speaker 2:They'll be the NFL memes, yes.
Speaker 1:And then I was like so that means they're not going to make a bunch of calls, so I'm going to bet on the Eagles.
Speaker 2:They didn't need the refs help on that game at all. I don't know what happened, oh, sports.
Speaker 1:Yeah, that's awesome, though All right Awesome. Well, thank you. Sports yeah, that's awesome, though all right awesome. Well, thank well. Before we go, happy birthday thank you for everybody here she Lindsay came to our meeting on her birthday and then she also came in to do this interview on her birthday, so you're awesome, I know America's adding extra reps yes because there's too many apps coming in.
Speaker 2:Oh, my goodness, well, it's, yeah. So if, if, if you haven't met him yet, brandon Wilson, he, he is my partner with the FFL account, so very excited. He, uh, he's been in the industry for a really long time. He also was an agent. Um, he uh has has just been, uh, answered to prayer, really.
Speaker 2:I mean, not only is FFL growing and production growing and everything, but one thing that is amazing and I don't think this gets talked about very much, but I want FFL, every agent that is listening to this and is going to watch this.
Speaker 2:I want them to know that because of the partnership between FFL and AmeriCo and all of the business, because we listen to what you guys want and what you guys need and we deliver that to you guys. So that's what's growing, this relationship and this partnership. But what it's doing on the backside of what a lot of people may not realize, is because of the growth, ffl is creating job opportunities for people in Kansas City because we get to hire more people, because of everything that's growing. So they may not even realize how much more opportunity they're creating for you know the family that lives down the street, or you know the, the mom that just got laid off or the dad just got laid off, but because of the partnership that we have with americo, it's creating jobs right there in kansas city and it is just absolutely amazing. I I love um the growth that's happening. I mean, yeah, production's great, numbers are great, that's all great. But there's another side of it that is just awesome
Speaker 1:so amazing so so, but you're our rep I am for our team yes so if we need something, we go to you, which we appreciate you because you always get back to us super fast yes, I try stuff, get stuff done.
Speaker 1:And I know you're overwhelmed because we uh, you guys are the biggest yeah, we also like we teach people to call a lead multiple times in a row. But it kind of bleeds into the rest of our life. So if I call my wife, I'll call her like four times in a row. If I call you, I'll call you three times in a row. If I call my mom, it's not just one time, it's like two or three times, because we're just like I don't know, that's we. We, we trained ourselves to people. Yes, so yeah, but anyways, you're awesome, america is awesome. Thank you for everything you guys do, thank you for joining us, everybody, and we'll see you later.
Speaker 2:All right, thank you.