FFL USA
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FFL USA
Stop Settling for Low Comp: A Transparent Look at the Independent Model (Ep. 242)
Two young agents, Pedro Albuquerque and Jonathan Stell, explain why they left a captive setup for higher comp, direct carrier pay, and real ownership with Family First Life. We break down lead strategy, commission math, daily pay, and the systems that let new agents win fast without politics or scarcity.
• captive pain points and propaganda
• higher compensation, advances and back-end pay
• control of leads and in-house Facebook campaigns
• aged vs high-intent leads and reinvestment
• daily schedule, focused training and hands-on support
• solidifying sales to reduce chargebacks
• transparent commission math and overrides
• virtual sales growth and tech-driven efficiency
• bonuses from carriers and FFL, goal setting and scale
Hit them up if you're interested in working with them.
@payyroll.p & @Stellsells.life
Hello, everybody. Andrew Taylor here. Thank you for joining us today. We have Pedro Albuquerque and Johnny Stell with us. Yes, sir. Two young agents that started about two months ago. How old are you guys? 25. Just turned 26. How long were you in insurance before you started here? I started about two years ago.
SPEAKER_04:I was about seven, eight months ago.
SPEAKER_02:What did you guys do before that?
SPEAKER_04:Captive. Captive agency.
SPEAKER_02:Oh, you guys worked in captive? Yes, sir. Awesome. What brought you to this Family First Life? What attracted you to it? How'd you find it?
SPEAKER_01:I mean, it's hard to miss it. Family First Life is huge, man. Like everywhere you look in the life insurance industry, I mean, you you see them. You know, they're FFLs do what almost a billion this year.
SPEAKER_02:Dude, funny story. So the company opened like 11 years ago. There was only like a hundred of us. And when we opened up, everybody ragged on us. Like they were just like, dude, those guys aren't gonna do nothing. They spread a lot of rumors. Someone said that I quit insurance because they didn't want people to follow me. They said that I worked at a bar now as a barback. And then they said one of my other buddies, they spread this rumor that he was uh working at like a uh auto insurance, like Adriana's insurance, which like he doesn't even speak Spanish. But, anyways, there were all these rumors going around, and we kept saying like the movie straight out of Compton, all publicity's good publicity, and they kept talking. And then Sean Mike was like, yo, we're gonna work hard, and everybody else is gonna talk, and then we're gonna see where everybody else was at. Right. So I stayed out of all the drama, put my head down, but it's cool to see, and the crazy thing, dude, is the company's just getting rolling.
SPEAKER_04:Yeah. I mean, we were fed propaganda since day one. Oh, yeah. First time like first time being.
SPEAKER_01:It's you know, FFL this, FFL this, you know, this is the best opportunity you can have. You know, you don't even look over there because nobody's making money, everybody's in debt. You know, they just they just start scaring you with different tactics, manipulation tactics, and it's just that's the whole reason why I even started to look. I didn't even know about FFL until they said something. It's hilarious. You know, it's it's pretty funny.
SPEAKER_04:First week there, they were like FFL, they just they sell a bunch of business and they rolled over the new carriers, they get rich in two years, and then they go into leadership and teach people how to do it. I looked at Pedro, I was like, they get rich in two years, like let's go do that, like as a joke. But then we started looking into FFL and just realizing there's a lot more people are happier, there's more abundance, bigger teams, a lot better.
SPEAKER_02:What I love is when people find out for themselves. So, what have you guys found out?
SPEAKER_01:A lot.
SPEAKER_02:Because like people put crap on the internet all the time. What'd you find out? What's helping you guys?
SPEAKER_01:So there's there's a bunch of different things. Um, I mean, I I would say the biggest difference is you're getting paid what you're worth. You know, what you're selling is what you're gonna get paid. Um, you know, your comp is actually a lot higher. I know I can go out and sell a hundred dollar policy and make eleven hundred dollars off that policy instead of only making three, four hundred dollars. That's you know, the biggest difference. The second biggest difference is probably ownership. You own your book of business, you own your business, you own what you do with your business. You know, like you have freedom to run the business how you want to run. You don't have somebody else telling you how to run it, and if you don't run it the way they're telling you how to run it, you know, they're gonna pull all the leaves, you know, that they gave you because they have the power to do that. And that's that's your income, you know, that's how you pay the bills, feed yourself, feed your family. And they you basically have your income in their hands, so they can wake up one day and just be in a bad mood and be grumpy and take your income away, basically.
SPEAKER_02:Yeah. Also, do you guys like getting paid directly from the carriers? Exactly.
SPEAKER_04:Yeah. The leadership out here is also very outstanding, being able to come into the business, not really know much, but be able to just reach out to people and everybody wants to help you. Yeah. At the old company, it's just like you reach out to someone, hey, can we give some advice? It's just crickets, you don't really get any input, but everybody here wants to see you win, which is yeah.
SPEAKER_02:You guys are like in the mecca of good people in insurance because you guys are working with uh Nina and Hayden Hill, who for those who don't know, built a massive company, they're so good at what they do, yeah, phenomenal. And then all the leadership there in Arizona. So have you guys felt like you've been supported?
SPEAKER_01:Oh, yeah, all the way through from since day one. It's really cool being able to work directly with Hayden and Nina. You know, they're they're they're amazing. I love them.
SPEAKER_04:Anything you need, just say, I got a question, I got you. Hey, if we need this, I got you. Wait, what's going on with this? We got you. Yeah.
SPEAKER_01:And then all their leaders, they're so willing to help us too. Like, they don't they're we're not even in the same, you know, agency as them, and they're just giving us so much gain and so much sauce. You know, there's a lot of different aspects to this business that we didn't know from before, and they're just willing to, you know, spend their time with us to like help us out and you know, guide us through the business, which is awesome.
SPEAKER_04:Even the people in their office are just super willing to be like, hey, this is what scripts we're using, or hey, this is how we're doing these things, or you know, structuring it while we're on lead camp or ad campaigns, didn't know about that, so got enrolled into those programs figuring out how to keep our book of business up to date. There's so many things that we didn't really account for when we came over. Now it's like, okay, cool, we're getting all of our systems in place and it's making the whole process a lot easier to you know duplicate ourselves into our agency.
SPEAKER_01:Now we're just sharpening, you know, the the skill sets and you know, you know, making sure everything is maximized at the you know highest potential now. But yeah, it's it's awesome being able to collaborate with people instead of competing against people. Because it's uh at the last company we were competing against everybody with for leads for promotions for for everything.
SPEAKER_02:So now you just get leads wherever you want. You buy your own leads, but you get them wherever you want. Correct. Where do you like what kind of leads have you found that you guys like and what are you guys spending on leads? Because a lot of people will say, and I actually understand that argument, they'll go, don't go buy your own leads if you can get free leads somewhere else. But on the flip side, are free leads garbage? And if you got your own leads, would you make more money if you had a way higher commission? Yeah, you know what I'm saying?
SPEAKER_04:It's definitely a double edged sword where it's like, you know, you get what you pay for almost anything. If it's free, there's probably something attached to what you're having to do. Nothing is free in life, honestly. Besides free throws. But I mean, when it comes still getting smacked. Yeah, when it comes to free leads. It's not free, you get you get smacked in the face for those. Yeah. It's kind of like uh what happens when you get free leads is essentially like you're gonna be told what to do, how fast you have to run them, how many dollars you're gonna have to make, and now you're competing against everybody else. That you know, there's a pool of free leads. You don't have an abundance of leads.
SPEAKER_01:Very limited, yeah.
SPEAKER_04:But when you can buy leads, I mean you can buy an abundance of leads, and you can just keep on you know buying them if you know you don't want to dial super.
SPEAKER_02:Well, let's talk, let's talk anybody that wants to get into life insurance, whether they're in insurance or they um want to get in insurance, they could be a they could be listening to this right now, driving their truck down the road, delivering something. They could be Uber Eats right now. Yeah. What does it look like for them with leads to be successful? What type of leads? How much money? What does that look like?
SPEAKER_01:I mean, there's so many different systems in place. We you can succeed at any level. Like coming in, you know, with somebody that doesn't have too much capital, like we we have leads that we can give you to get you up and running. Now, those leads might not be the highest intent leads, right? Like you're not gonna be able to sell the first call you you know call or first number you call, but you're gonna have to work them, you're gonna have to grind, you know, those leads to be able to make some profit to reinvest your profits into higher intent leads. Then now you're not spending all your time trying to you know get somebody on the phone rather than just getting into as many appointments as possible, you know. So, like, I mean it it depends on your situation. If you're if you have some capital and you're able to invest into higher intent leads, that's gonna be the best way to go because you're not wasting your time, you know, for for leads. But you know, if you're not in the position to be able to invest into your business and invest into leads, there are leads out there that we are able to provide for you to you know grind through and get some profits and then be able to reinvest at that point.
SPEAKER_02:Yeah, like we have a free lead program, yeah. But a lot of people like to get new leads. Basically, what I like to tell people is you're trading, you're basically trading your money for your time back 100%. Yeah. If you want to grind old leads all day and you have to, like I started out that way, like and there's nothing wrong with that, but it's like if I got to call all day to make one or two sales, great. That's okay. Right.
SPEAKER_04:You're still making money at the end of the day.
SPEAKER_02:You still make money at the end of the day. Yeah. Now, what I do with that money is the important part because if I take that money and I go to Disneyland with my family, then I get back and I still have to grind old leads. Yeah. Or I can buy some new leads, buy my time back, spend more time with my family because I'm getting more people on the phone. Yeah. And that's basically the whole thing. So you can kind of customize what type of leads you want to work. But I always say start with the older leads. Yeah.
SPEAKER_01:Or especially if you're new, like you don't have any insurance background, you still have to learn the products, the concepts, you know, the sales process for each product that you're selling to because they're a little different, and learn the carriers as well. So, you know, with older leads, you can, you know, learn all that and then gain some experience. And then when you are ready to get higher intent leads, then you know, you have the skill set and the the knowledge too.
SPEAKER_04:Yeah. There's a level for everybody in this industry. You can come in with no money, you can come in with some money and figure out a way to make it make sense. And that's what's nice about it is being able to have a conversation with each one that comes in and be like, hey, this is the game plan for you. Everybody's game plan is gonna be different, but the goal is to get you to hear within a certain time frame. This is what it's gonna take, this is the commitment that's gonna be required, but you can get to here within you know 90 days, which is very convenient for a lot of people coming into the industry.
SPEAKER_02:Yeah. Now, what did you guys write right when you came in? How much have you written?
SPEAKER_01:Um, so my first two weeks, I issue paid like 24,000. And then October, I went to conference the first uh the first week of October. Second week I was deathly sick. I think a lot of people got sick um at that time. So I didn't work for the second week. And then the last two weeks of October, I wrote another like 20,000, 25,000. Um, and then the month of November. So far, um, what's shown on the IP reports through week three, I'm at like 35,000. So hopefully, once numbers come out, I'm around like 50,000 issue paid or in the month of November, which is my second full month.
SPEAKER_02:How fast do you get paid?
SPEAKER_04:Super fast.
SPEAKER_01:Yeah, really fast.
SPEAKER_04:Did that make you guys like, whoa, oh, it was pretty game changing to be like I get paid in 24 to 48 hours?
SPEAKER_01:Like, I love waking up in the morning and checking and just it it's my alarm clock.
SPEAKER_04:Like I wake up first thing, Americo.
SPEAKER_01:Every single time, yeah. Like, I don't even need an alarm clock anymore. I just get excited to see how much I get paid that day.
SPEAKER_02:Now, one other perk that I liked when I came to the company was you can write people really, you can write anybody because the products there's so many products with so many different carriers that you can really customize the product for people. Most definitely. Have you guys noticed a difference in going like I can help this person, they got cancer, I can help this person, they're in jail, whatever the situation is. Yeah, it's honestly kind of crazy.
SPEAKER_01:I think my first week I I sold somebody that had HIV. Yeah. I was like, What? Like, I'm that was unheard of over at the last company. You know, there we used to get so many declines, so many people getting sent to underwriting, and now you're actually able to you know help everybody. And actually put them in a good situation.
SPEAKER_04:Like it's kind of getting to us now where we're like, we're throwing these numbers out, but before we could not even offer someone over like a hundred thousand dollars worth of insurance. Now you're like, yeah, for$450,000, it's gonna be you know$200. Or a million. Yeah, or a million, or however much. Like, what is it too?
SPEAKER_02:Have you guys looked at Instabrain yet? That new product? What is that two million with no exam? Yeah, yeah, insane. That's a big up to two million with no exam. Ethos up to two million with no exam. Those are some big numbers, dude.
SPEAKER_01:Yeah, I sold I sold 2.5 million uh to a 25-year-old. She pays like 50 bucks a month. So good, right? It's insane.
SPEAKER_02:Bro, I just got more insurance because I got kids, and I'm always thinking if something happened to me, I want to make sure they're set up. But smart term policy showed up, and it was like 60 bucks for like three or four million dollars or something. Wow. I'm like, bro, how do you not do that? No, it's insane. Like it's crazy, right? Yeah, but dope. So you guys are loving the products, you guys feel like you're helping people, you've been getting paid. Um, any other perks that you guys have found?
SPEAKER_01:Yeah, being able to put our agents in the exact same position that we are in, you know, over at the last company, I would recruit and bring a lot of people in, and they just couldn't see the success just because it's very limited leads. These leads that are getting fed to them are ran through, you know, been dialed for months and months straight. And they're like they're just going through the gutters really um with these leads. And now I'm able to like bring somebody in the you know, in the business and give them the same leads that I'm getting, that the same lead source that I'm getting them from. And they're able to rip, you know, 10, 15k in a week, yeah, which is which is awesome. So like the opportunity here is a a level playing field, really. Like compared to over there, like only the top people eat and everybody else kind of like starves. And that was like the main reason why I wanted to make the switch. Like I was making really good money over there, but it was because I was able to join the agency at a really good time. They just you know started their agency. I was able to climb my way up pretty quick. You know, I was able to just put my head down, grind 12-hour days, seven days a week, show them that I deserve these, you know, better leads basically. And I just became one of the top guys over there. But then everybody that I was bringing on didn't have the same opportunity. And, you know, I've had a lot of different conversations with you know, people that I was bringing in, and they're telling me they would have to get you know a second job, do Uber Eats, DoorDash, whatever, you know, just to pay their bills. And I would end up actually, you know, helping them with the rent or you know, their phone bill or whatever.
SPEAKER_02:So you weren't feeling good about bringing people terrible. And you're feeling good about it now.
SPEAKER_01:Oh, yeah, most most definitely. We have like a our pipeline's like 60 right now, 60 people in the pipeline.
SPEAKER_02:Now we have a there's still a high turnover rate in sales, most definitely. Not everybody's gonna succeed here. Most people will not succeed. Like you still have that, but you're just saying you feel better in general. Um, what if you guys like do you guys stick to a schedule? How do you guys keep yourselves or your team accountable?
SPEAKER_01:Yeah, uh, our schedule when we first started is not what our schedule is now. No, not at all. Uh thank thanks uh thanks to Nina and Hayden for that. Um because over at the last company we'd start our day at like nine and we wouldn't get done until nine. And we were kind of keeping that uh schedule when we came over here. Uh, but then we would be in the office and it'd be like six o'clock, seven o'clock, and everybody's gone, and we'd be the only two people in there.
SPEAKER_04:Yeah, and we're like we barely have any West Coast leads. So now it's like, all right, get up early. I mean, we used to be when we wake up for work, we were just dragging our feet. We were not excited to start the day. Now it's like we're getting up at five o'clock to go to the gym and be ready.
SPEAKER_02:Nina got you on the gym schedule.
SPEAKER_04:Yeah. She got us dialed in, and now it's I mean, you're waking up, you get into your first meeting at like 8 a.m. and you've already been awake, so like you're pretty focused. You get your first deal out of the way, then you're just kind of you know getting with your agents, helping them make sure they're taken care of, training them up a little bit, going back to your leads, and it's a lot more flexible to actually like help them out with our old stuff. It's just you know, our old company was just essentially you got a grind, you gotta dial, you gotta dial, you gotta dial. There's no time to like actually get with your agents. We do one training once a day, every day. And I mean, most people it's on a 30-person, 40-person Zoom call, you're not really getting much training, it's just kind of you know general information. So now you can actually sit with your agents and be like, all right, what do we need to work on? How do we need to fix this and how can we implement this right away? And actually give them the support that they need, which is so much easier to duplicate yourself into your agents when you actually have time to do so.
SPEAKER_02:All right, can we break down the math? And we gotta say this uh disclaimer not everybody can do this. But if somebody makes a sale and it's uh$150 a month and the person makes their first payment, what would they get paid from that deal if they started here on your team? Like what's the actual math, not like just throwing the math right now.
SPEAKER_01:Let's see, you say 150?
SPEAKER_02:I mean it kind of depends on what product too. Okay, let's say a um let's actually say the product. Let's say you do a um Americo IUL.
SPEAKER_01:Americo IUL.
SPEAKER_02:Yeah. And break this down for people because a lot of people don't understand this terminology. They don't understand what AP is or whatever these terminologies are, but they are interested in getting an insurance and understanding how it works.
SPEAKER_01:Right. So for everybody that I bring in, I my the starting comp is 80. So I'll bring them in at 80. If they sell Americo IUL, um that at$150 a month, that'll be about 13 or one second, let me redo the math. That'll be about 1800 AP, so annual premium. That's how much their client's gonna be paying in a year. You get advanced nine months, so multiply that by 0.75. So you get advance 1350 times your comp rate, so their comp rate's 80. Americo IUL is about 10% less than your comp rate, so it'll be 0.70. So you get advanced$945 at the starting comp rate, and you can climb your comp rate all the way up to$145.
SPEAKER_02:Now do those numbers at like a$120, because$120 is if you're a good producer, you can get to$120 pretty easily. What's that same number at$120?
SPEAKER_01:At$120, so$150. Annual premium$1800. So I believe that's uh 110. Yeah.
SPEAKER_02:1485. Yeah, 1485. How about we let the chess wizard do the math? You just whipped me in chess. So you're you're in charge of math right now. Okay. Now let's do this again. So for people who want to know how overrides work, if you if if he gets to 120 and he hires somebody at an 80, and that person at an 80 writes$150 a month policy, how much money does he make? So Peggy would make about$500 in overrides.
SPEAKER_04:You don't even need a calculator. He is the calculator. What are we doing, bro? You make about$500 in the city. It's not that great. A lot of sport college sport athlete, you know, a lot of uh at this point. A lot of concussions. It's all a facade. No, I mean, and that's what's nice about it, especially coming in and being able to like help your agents too when you're making the overrides what that you should deserve. Um, I mean, you're helping and training your agents now, you know, what we've decided to do is pour a lot of it back into our agents because we want to get them up to speed. The whole idea of uh how we're structuring our business is getting our leaders to be able to become leaders as fast as humanly possible. Not everybody's gonna succeed at it, but but check this out.
SPEAKER_02:Okay, so this is when when I got excited about this industry, okay? So if I buy a what's an average house right now for a rental property cost?$450,000,$500,000? Okay, so let's say I buy I buy a$450,000 house. Okay. Most people are gonna put 20% down, so they're gonna put down 90 G's, and then they're gonna keep the difference between the rent and the mortgage, right? So what what do you think the mortgage would be on$360,000? So probably like$1,800,$1,900. Okay, let's say it's$1,800 or$1,900. And let's say you can rent this place out for$3,500. And let's so that would give you uh$1,700, but let's say you have other expenses that you have. So let's say you make in a really good situation, you make a thousand bucks a month, right? But that thousand bucks a month cost you ninety thousand dollars to get in the door, right? Yeah, or you guys can recruit somebody who wants to make more money anyways, give them the best opportunity that there is in insurance, which it is, if you if you take all the BS opinions that don't matter out and you just go right on paper, it is the best deal. Most definitely, and it's proven with the numbers. And if you did two policies, if you if you recruited one person, they did two policies, which take how long does it take to do a policy?
SPEAKER_01:I just did one in 30 minutes.
SPEAKER_02:Okay, so that that would be a thousand dollars that month. So it's equivalent, it's the same um passive income. And that's when I started thinking, like, oh shoot, I need to go recruit more because it's just sweat equity, and you don't have to have the 90 grand to get the recurring money. Now, if you're watching this, there's other things in this industry like chargebacks and the way it was put to me, because did chargebacks ever bother you in this business? No, not too much. Okay, they used to bother me big time because I'm like, dude, I did all this work and then I'm not getting paid. Then my friend was like, dude, Walmart, if you took all the people that stole from Walmart and added up that number, that their theft would be a Fortune 500 company.
SPEAKER_01:So they were like, How do you how do you figure that out? That's so random.
SPEAKER_02:Well, but think about this. He probably read it somewhere, yeah. But that that's a form of a chargeback, someone stealing or returns or whatever it is, and they just build it into their profit. So then if you look at this as a business, which you don't need a lot of capital to open, then all of a sudden it's like it's not that big of a deal if you know that if you sell 10 policies, that two or three of them, depending on how good you are, will most likely charge back.
SPEAKER_01:Right.
SPEAKER_02:Make sense?
SPEAKER_01:Yeah. I mean, I've never really had a problem with chargebacks. I my biggest thing is solidifying every single deal. So I I take my sweet time at the very end. Like it that's the most important part. You know, like you're gonna do all this work just to rush them off the phone once you get the deal, and then it's chargebacks. Now I'm gonna I'm gonna take even longer at the very end once they're approved, and once I did the whole application and submitted it, now is my time to really like put it on them on why it's important, why they what they did is really smart, and re-explain everything that we just went over and get them to understand like this is not a short-term fix, this is a long-term solution. This is to make sure that your family is taken care of. God forbid something does happen to you. Don't walk to that door tomorrow. And I'll get them to agree with me, like, hey, you know, you should feel really, really good about what you did today. Now, this is gonna make this is gonna be$130 every tenth of the month, and that's gonna be comfortable for you, correct? They're like, Yes. Okay, perfect. Now I'm your go-to guy. Any questions or concerns you might have, just reach out to me. I'm one call away, there's the same number my mother calls me on. So, you know, I'll probably answer you before I answer her. Don't don't tell her I told you that, and then they'll get a laugh. And then I always ended it with, now, what I always tell my clients is 10, 15, 20 years from now, nobody's ever mad or upset that something's in place for your family. The ones that are mad or upset are the ones that never put anything in place until it's too late and they can't get enough coverage, or they're too unhealthy for any type of coverage. So you should feel really, really good about this hundred thousand dollars because you get a lot of coverage for$130 a month. And then they're like, Yeah, yeah, I agree. And then I just like just put it on them like, hey, this this is a smart decision that you're making for your family.
SPEAKER_02:Yeah, so you're closing them good.
SPEAKER_01:Yeah, I'm solidifying every single deal.
SPEAKER_02:Yeah, but you are gonna have some people cancel most of them matter what. Yeah.
SPEAKER_04:I've always looked at a chargeback as like, hey, you know, pretty much any money I well, now I'm looking at it, like any money that I put into my leads or whatever I'm coming from, I can usually get a pretty good ROI on them. And so if let's say I have a thousand dollars chargeback, the odds of me being able to make more than a thousand with a thousand that I was given, because obviously they're not reaching into my bank account and taking it out from me, I can sell more with the money that I have than not having it in itself. Right.
SPEAKER_02:Well, the other dope thing is the the carriers give you a beneficiary if something happens to you. So your renewals, your back end, and your overrides can go to somebody else. Um, did you guys notice a difference when it came to or have you guys gotten any back in commission yet? Or no yet. So when you're doing the math, you're not even calculating the back-end commission, you're just c calculating what's advanced to you. Yeah, that's all we really knew. No, but right now, yeah. Okay, but I want to do this one more time. What's because I wanted to get to one the 145 contract level because I was like, dude, if I sell a policy, I can make really good money. So what would be the advance commission on 150 bucks at a 145? A lot. And the advance.
SPEAKER_01:Okay, so you would get advanced.
SPEAKER_04:Or you beat he beat you. I mean, I was doing things a little bit different. No, you got it. You want to speak up? Go ahead. Oh. Yeah, I did it wrong. Oh, what a joker. What a joker. Um, I mean, essentially, if you have 145, you're gonna get advanced 1822. But then every single month that they're paying 9, 10, and 11, you're gonna get the rest of it. So you're gonna get the additional, um, let's look at it, it's for 150.
SPEAKER_02:All right, so if you sell 150 bucks a month, you get an advanced 142.
SPEAKER_04:I mean you get advanced 1800 if you're at 145.
SPEAKER_02:Gotcha.
SPEAKER_04:And then if you sell and if they stay on the books, you're gonna get an additional two hundred dollars on those renewal checks.
SPEAKER_02:$200 a month or$100 a month for$10,$11, and$12, right?
SPEAKER_04:Yeah.
SPEAKER_02:For$10,$11,$12. So you get what's the total?
SPEAKER_04:So the total would be$1,850 plus.
SPEAKER_02:Like you sell a policy and they keep it the whole year.
SPEAKER_04:So you'd get about$2,450.
SPEAKER_02:$2,400. So you write a policy,$150 a month, good deal, shop all the carriers and get paid$2,400. At one point, that's crazy.
SPEAKER_04:Yeah.
SPEAKER_02:Yeah. And then the applications are pretty easy because I wrote a policy the other day and I was like, damn, this got easy. Yeah. How fast it checks everything, how fast you can ask the questions and get people at all. It's mind-blowing. Yeah. All right. So FFL didn't do Zoom sales until a few years ago. Knowing what you guys know, what do you think can happen in the next five years now that we're doing so much virtual?
SPEAKER_01:Like in production?
SPEAKER_04:Yeah. I think it's gonna ramp up.
SPEAKER_01:Yeah, I think FFL can double what they do this year within the next five years easily.
SPEAKER_02:Yeah, I feel like we're really like in the beginning stages.
SPEAKER_01:And that's the most exciting part, honestly. Like I got into insurance two years ago. And you know, I didn't when I got into life insurance, I didn't know what life insurance was. I like I've never heard of life insurance before. And then now it's like everywhere I look, everyone's talking about life insurance, and you know, they're getting into the opportunity, and you just see so many more people coming into the industry from the door to door space. Especially with solar going down. It's just like it's just like a flood of people coming in. It's insane.
SPEAKER_02:Yeah. Now, have you guys used the leads where they call you yet? Have you used the yeah?
SPEAKER_01:I mean, we we've tried, you know, a bunch of different leads when we first started here, but now we're doing our own marketing, or we have an in-house guy that does the marketing for us for um Facebook campaigns. Yeah. And game changer. Yeah, those complete game changers.
SPEAKER_02:And you guys are just teaching your team how to do it. Yeah. Pretty much.
SPEAKER_01:I just I'm I'm actually have one of my um guys getting on boarded right now with uh with our in-house in-house guy for the campaigns. And I was like, look, I know you got the skill set, I know you got the work ethic. I'm going to pay your you know startup fee, and all you have to do is the ad spin for the first month, and then from there just take those profits and just reinvest it into the second month. Yeah. I was like, I need to get as many people on this as possible.
SPEAKER_02:What's the process for someone to get licensed to work with you guys?
SPEAKER_01:Very simple is just take the your state course. Once you how much is that? Uh so we have two different programs. Uh, one program is free, it's a little outdated. Um, but the main program that a lot of people use that get, you know, really good results pretty fast uh is about$45. So it's really cheap. And then exams are probably like what,$100?
SPEAKER_04:And the exam is like$50.
SPEAKER_01:$50. Wow. Depending on the state, I'm assuming. Yeah. So depending on the state, it can range anywhere from$50 to$100 on uh for the exam, and then you just pay for your license, which is another, depending on the state, like a another fifty to a hundred dollars.
SPEAKER_04:And then just fingerprints. Yeah. So it's about two hundred, three hundred dollars to just get into it. But what's convenient about it is you can sell one policy and make back everything you just put in really fast.
SPEAKER_01:You can make two hundred percent of your initial investment, if you want to call it that. Yeah. Off one deal, which is it's insane. Like I I think once you get into the industry, numbers like numbers get so skewed in your mind. Like, I remember when I used to think$100,000 in a year was a lot. And now I've made$100,000 in a month, and I'm like, I need more. I I need to do more, you know.
SPEAKER_04:I mean you have 19-year-old kids in the office that were working out of making$10,000,$15,000 a month, and they're just chilling, doing their thing, and it's like how yeah, but they also have lead expense.
SPEAKER_02:I always like people to know like it's not just a net 10 to 15 G's a month. Like most definitely. People always say their top number, but you gotta get to the bottom number, which is like what'd you spend?
SPEAKER_01:Yeah, your net profit.
SPEAKER_02:Which is still that number is still probably insane.
SPEAKER_01:Most most 18, 19, 20 year olds will never see that.
SPEAKER_02:You know, it's funny because I started when I was 18, so freaking almost 19 years ago, and I've basically done this every day my entire life. Life is a pro in the game, yeah. But the crazy thing, dude, is when I was when when I was 18, it was mostly older people. Like I was one of there was only a few younger people that we knew that were doing this or succeeding because you had to drive to everybody's home. Yeah. Now it's flipped, at least with our company, it's mostly younger people, and they've a lot of them are doing it better than than I've ever seen. It's like they're using technology, they're uh they're good at learning. It seems like I don't know, it's just interesting. Exercising, having a clean, healthy life. Like it seems like things changed, priorities changed for a lot of people.
SPEAKER_01:For sure. I mean, that's what I thought like like insurance was was just old 50-year-old dudes with a beard belly and their outdated suit. Yeah, outdated.
SPEAKER_04:Just walking up to your house talking about all right, we gotta get serious now.
SPEAKER_01:Well, like I said, like I I never even knew what life insurance was until I got into the industry. And it's it's wild, you know, the what the industry has come to now, you know, hearing from you know you or other people that have been in it for a while. Like now you have 20, 23, 24-year-olds making more money than doctors or lawyers. It's it's it sounds like a scam, you know. Like most people when they hear that, they're like, something's gotta be up with you know, life insurance, because that doesn't sound real. But it's it's real, man. It's I've seen it.
SPEAKER_03:Yeah.
SPEAKER_01:Being in the space for two years, you know, I've seen a lot of you know different success stories. A lot of people come and go in into the space. Oh, and I can't I couldn't even imagine 20 years into this industry like you have.
SPEAKER_02:Oh, dude, it's the best industry ever. But the thing I always tell people is like sometimes things are gonna come up in business, and you just have to outlast everybody because a lot of people would throw the talent if things get tough, and I don't know what it is, but something will come up. Yeah, most of the time. You know, like it's not gonna be easy, and when your team gets bigger, you have new problems that you have to overcome. Right. And then it's like, okay, do you want to give up or let up then, or are you gonna have doubt creep in because you got like a negative group of people or whatever it is, but you're just gonna if you can outlast and stay in it, dude. It's such a good industry. Yeah, yeah.
SPEAKER_04:I mean, we started to realize when we got here that you really have to be on top of your game. Like if people are using lead vendors, they're buying leads. If people hear about, hey, this is really what's hot, now it's getting a little bit overpacked. So you're having to like constantly stay on top of where you're getting leads from, what you're doing, you know, things you're bringing in, and which is what we kind of love too, because it's not like you're just you know complacent. You don't just gonna be plateaued and it's gonna be the same thing day in, day out. It's yeah, new challenges.
SPEAKER_01:It's an actual business compared to like where we were at. It's more it was more like a glorified W-2 1099 constant. So you like the freedom. Yeah, I love it. It's amazing.
SPEAKER_02:Freedom's definitely that's what I got in this for was freedom. It wasn't necessarily to make a ton of money, but it was like I don't want people telling me what to do.
SPEAKER_01:Right. Yeah. I mean I'm I'm a grown man, like I'm I'm not I'm not gonna be threatened by another grown man over this business, you know. It's like I should dictate what I want to do with the business and how I should want to run my business too, you know.
SPEAKER_04:I mean, I had one of my agents come in, he wrote I think like eight or nine thousand his first weekend, and then he's like, I'm going to Tokyo. I'm like, all right, have fun. Like, let me know when you get back. And now we have a lock-in coming up, and so he's coming out here, and it's just at our old company we couldn't do that. If I mean I remember him leaving to go to the Bahamas and he was threatened with demotions and you know, people getting removed under him.
SPEAKER_01:Yeah. Like just a whole year and a half in at that point, just came off one of my biggest months, wrote a hundred thousand. Um, and you know, I it was the first week after push, and I was like, I want to go enjoy myself for a little bit. Took four days off and went to the Bahamas. Next thing I know, I'm getting blown up saying that I'm gonna get demoted, get all my people taken away away under from um, you know, put into another leg taken from me. You know, it's just like that kind of how many people do you think want to come here, but they're scared.
SPEAKER_02:A lot.
SPEAKER_04:A lot. I think almost everybody wants to be here. Yeah. I just think that when they're used to a system that's been scary. It's definitely scary. I mean, oh yeah.
SPEAKER_01:I mean, I I took a really big pay cut, you know, effort because you have to I had to restart. You know, I had guaranteed almost guaranteed money over there. Um and I had to kind of throw everything I built over there away and start fresh, start new in in a business that I didn't really know too much. Um, and you know, I I just knew that if I took the initial risk and I knew that I can get to the point where I was at with this new business, then but what was the risk?
SPEAKER_02:Like you're still just doing sales every week.
SPEAKER_01:Well, just not knowing, you know, it's the unknown. I didn't know the business at all, you know.
SPEAKER_02:But you're still just selling life insurance, yeah.
SPEAKER_01:For sure. But it was, yeah, but it's just scary. Yeah, it is scary. That's all you're saying.
SPEAKER_04:Anything that's like really big change is gonna be a little bit more.
SPEAKER_02:It's hard, it's scary. Well, when I so when I came to Family First Life, I had a really good team I was on at my old company, and I still love these guys to this day, and I felt bad for leaving, even though I thought it was gonna be better for me. But the way I justified it was if I I worked there for four or five years, and they helped me and they got paid for it because they got overrides on everything I did, so it wasn't like I uh to me, it was like we were even, yeah. Um, and I just wanted to try to do something else, you know? Yeah, and I wanted to take a risk of maybe Family First Life that wouldn't even have made it, like it was just tiny. I mean, it's like there's like a hundred people at the national convention.
SPEAKER_04:Wow, it doesn't say now there's a hundred people in each office, yeah. But I mean, we were fed so much propaganda from the moment I was there, it was fed propaganda, it's all fake. And we used to kind of like, I mean, people would reach out to us to try to recruit us, and we'd always just be like, big bank, take little bank, show us paychecks, show us paychecks, and they were just like, I mean, we're coming off as like, hey, they obviously are not gonna want to work with us because we have this attitude, but we just always thought that we were in the did anyone show you paychecks?
SPEAKER_02:No, no, no, that's surprising, actually.
SPEAKER_01:Yeah, I mean if I I mean I've had a lot of people, you know, throughout my career reach out to me, like Jay and uh Ronnie and a few other people. I just was so focused and like and no, that's for sure, doing what you were doing, yeah. Yeah, I mean my my first year, you know, I was focused on making you know top 10 rookies of the year, um, and that's all I cared about for some reason. Like the just the title, and so like my first year there, that's that's what I did. I made top seven, and then after that, I like realized I got to the top pretty fast, and I looked around, it was kind of like okay, not a lot of people are at the top with me, and then I looked down and it's just like a lot of people like struggling. I'm like, this is not kind of the environment I want to be at. You know, I want to be in a place where everybody's winning, you know, dude, and I don't I don't want to be making all the money and then everybody else kind of starving, dude.
SPEAKER_02:So when the company I started at, I thought I was making good money because I was so young, right? But Sean Mike was the number one producer at the company, and he was like, Yeah, I'm leaving to start Family First Life, and I was like, why? And he's like, Because I'm broke, and if I'm the number one producer and I'm broke, I know you're broke.
SPEAKER_01:Love it. I was laughing, dude. That's that's comedy. No, that's that's how I felt. Like I got to the top, and it was just like it's good money where I'm at, but I want everybody on my team to make good money, not just me. And it's like having conversations with your agents about helping out, helping them out with rent, car notes, bills, like it's not fun. That's a lot of stress on you. Yeah. And you know, I was 23, 24, um, you know, when I first started the business. So I'm like still getting learning life, you know, going through it. And now I'm like having to take care of other other people at that age. It's like it's not a good feeling to have. But they're looking at you making all this money, and they're not making any money, so it's like you don't really have an option other than to help them out.
SPEAKER_04:Yeah.
SPEAKER_01:Especially if you care about them, right?
SPEAKER_04:Yeah. I mean, and it took him a long time for me to actually get into life insurance. Like I was really stubborn. What did you do before life insurance? I did solar before I got into life insurance. Then I saw him make a hundred thousand in a month, and I was like, all right, well, you know, you sit in an office all day, I'm outside knocking doors, getting shot out in Texas. So I I think I could, you know, change my situation up. But we had a few people that we, you know, grew up with that had joined him before, and all they would just tell me about was it's a lot of politics, and I was like, I can play politics, we can do that. And it was just they didn't really weren't too fond of our old upline because there was always so much going on and you know, all these factors happening. And luckily I found success really quickly, but trying to bring people in. I mean, I'm trying to go to Pedro, Pedro's trying to go to our up old upline, and it's like then our old upline is trying to go to his upline, trying to figure out where leads are coming from, and I have nothing to tell my people like hey, sorry, let me just go up the chain of command here really quick, I'll get back to you in about eight hours. And so it's like I had no control over it, and I was just like, All right, this isn't very sustainable. And then when I joined him too, it was just like, I mean, I had my leads pulled five times a month because I would take my agents out to breakfast on a Sunday. And they were like, That's not what we were said to do. And I flew them all in, had them stay at my mom's house, four or five people, and they got in at 3 a.m. I was like, hey, let's go get breakfast because I know my mom's a single mother, she doesn't have food in that house. Let's go get some food. Next thing you know, I'm getting my phone blown up. Where you at? Took my leads, and I was like, All right, nice. This is this is great.
SPEAKER_01:No control over your own business, no control over your you know, agent success. And it's like I'm coming back from Mikinos, and I didn't know anything about this. I just get a bunch of calls and I'm on the plane. I'm like, what's up? Johnny's like, they just took my leads. I'm like, what? What what did you do?
SPEAKER_02:He's like now you just get your own leads wherever you want. Yeah, yeah. Or make them yourself on Facebook, which Meta's the biggest lead company.
SPEAKER_04:Like they're a monster. I mean, there's so many, what, 450 active million users on Facebook, and I mean, there's so many people that don't have insurance.
SPEAKER_01:So many people, yeah.
SPEAKER_04:And it's just a constant, I mean, these people are booking onto our schedule, and you're just calling them up. Hey, this is Jonathan. Yeah, I was expecting your call. This is kind of a game changer.
SPEAKER_01:Really? Were you? It's real. Yeah, and it's like a 30-minute conversation. Next thing you know, you just sold a policy and good to go.
SPEAKER_04:And even for like new agents coming in, it's very I mean, it's just a completely different game changer for them to actually have like freedom to do what they want. There's so many different levels that you can work in in this industry where hey, if you just want to be, you know, doing this, you can do this. If you want to level yourself up and be at a 10,000 to 20,000 a month producer, I mean, obviously it's not easy, not everybody can do it, but you can kind of guide them and be like, hey, this is to operate, you know, you can operate at this level, this is how you do it. So everybody can come in and really figure out what they want to do in the industry and make it make sense.
SPEAKER_02:Yeah, like I got some family members and they just want to write like five apps a month.
SPEAKER_01:Yeah.
SPEAKER_02:Or you just leave them alone. They write five apps a month.
SPEAKER_01:Yeah, you meet people where they're at over there, like at our last company, like you had to work 12-hour days, seven days a week, where you're not making anything. And if you didn't do that, all your leads are getting pulled. You're not gonna be able to sell, you're gonna have to do referrals, you're no your own network.
SPEAKER_02:Now you couldn't just go buy leads because the comp's too low.
SPEAKER_01:Yeah, way too low. You could, but it would make no sense. And also, like, they're gonna get replaced. Like, if they do just a little bit of shopping around, just a little bit, they're gonna cancel because they realize you just uh sold them a really expensive policy. You put fear in them, and now you're out, you know, the the lead costs and a chargeback. Now you're really screwed.
SPEAKER_04:So the only saving grace is that you told them that it took six months to two years to pay out on another insurance company.
SPEAKER_01:Yeah, that was that was the biggest thing over there. We you had to tell everybody, you know, all insurance companies take about six months to two years to pay out. That's why you know they're the best because they pay out within 40 hours.
SPEAKER_04:Is that even true? No. But that's what I thought. I mean, I didn't know.
SPEAKER_02:I had no idea what insurance was, but they're like, it's this certificate, this is exactly what you the way life insurance works, and I don't know about uh I can only talk about the every company I know in America. There's a two-year contestability contestability period where the company has the right to look in the first two years to see if you lied on the application, and that process does take a little while, and every company that I've ever seen does that, and that's the law. And then after two years, they have to pay right away because that they have no right to contest the policy at all.
SPEAKER_01:Right. Yeah, and we we learned that pretty quick coming over here, but over there, like like I said, you're kind of just fed a bunch of different things. I was brand new to the insurance industry, so I didn't really know too much, only what I was being told, really. Um, you know, it's I didn't understand the industry until like a good year, year to year and a half. And then that's when I started to pick up on things and start realizing realizing, you know, everything. And yeah, at that point I was like, okay, this is kind of bullshit. You know, I'm just getting fed in lies, and they just feed you different things that try to like manipulate you.
SPEAKER_04:They just want you to grow their business. They have a really good way of creating a culture of hey, if you're not performing at the absolute peak, we're not gonna give you leads. If you're not doing exactly what we say, we're not gonna give you leads. And so it's like it creates this very head, basically.
SPEAKER_02:All right. So, what's your strategy now to build a team? Like, because you got it, don't matter what you guys went through in the past. What's your strategy moving forward right now? And how big of a team do you think you guys are gonna build?
SPEAKER_01:Huge. Um, right now we're focused on production just to show people, hey, yeah, I wrote a lot of business over there, but I'm able to write a lot of business here, but even faster. And you also control your book of business and control, you know, your your business as a whole. Um, so just focusing on big production months, and also, you know, we have 60 people in the pipeline right now that we're getting ready to onboard.
SPEAKER_02:Um how can somebody reach out to you and um say I want to work with you? Instagram.
SPEAKER_01:Yeah, I-g, follow me, payroll.p, P-A-Y-Y-R-O-L dot p. You can send me a DM. We can hop on a 30-minute call. I can give you the rundown and you know exact same process.
SPEAKER_04:Style cells.life, s t e l-l, s-l-l s dot life. Pretty simple. And then you just slide up, say, hey, I'm interested in seeing what you guys have to offer. And I mean, we're pretty uh what we like working together is because we're very similar in our whole thought process. How we train, how we teach, and that's essentially what's helped us kind of grow a lot too, is being able to bounce off of each other, like, hey, I'm in a meeting, can you get with my guys? Or hey, I'm in a meeting, can you get with my guys? So it just kind of creates this cool culture where everybody's trying to support each other at the end of the day.
SPEAKER_01:Yeah. It's like that's what the business is all about. Like you're able to duplicate yourself as many times as you want, and then now you just have a team of straight dogs, you know, if if you're a dog, right? But you know, I just I was able to bring him in and just teach him everything I know and train him to be like exactly like me in the business now, basically like got two of me. Like he does exactly everything I do, you know, whether it's training, whether it's sales, whether it's you know, just whatever, anything in the business. Um, so it's pretty cool. And I always tell people that come into the business, like, my goal is to get you to where I'm at or better. Like, I'm I'm not the best sales, you know, salesperson out there. Like, he's probably better at sales than I am. But you know, I was able to train him and teach him everything I know, and now he's able to and it was a frustrating learning process, I won't lie.
SPEAKER_04:Yeah, he would mute me when I'm on the call with people, and then he would tell me what to say, and I'd like get frustrated because I mean come from solar. I think a lot of people that come from solar, they have this really big ego that thinks they're just you know, macho man. And so my first five meetings, I closed every single one of them, luckily, and you know, he was helping me with the applications because it was a very frustrating application to go through. Um, and then I got my first objection and I didn't know what to do, and he pretty much was just like, What are we doing, fam? Then he would help me get most of the uh most of the sales, and that's what it was very helpful for me to get me up and running was just having someone that would sit there and listen to my whole presentation. And he's done the presentation thousands of times, so he knows what these people are about to say. And it's I mean, it's pretty almost every sale is pretty identical. I mean, it's from point A to point B. Obviously, there's a little bit in between, but most people are gonna react the same way by the questions that you're asking.
SPEAKER_02:Okay, let's say somebody s makes a transition to this. How fast can you get them paid for real?
SPEAKER_01:First day. I I had this solar guy hit me up on IG. He liked what I was posting, liked what I was all about, hopped on a call. He already had his license from you know a year ago because he was gonna get into medical sales, but um didn't like or never went through with it. He's like, I seen what you post, I like what you post, you know. I kind of correlate with you. And we hopped on a call, uh, got him on boarded. He flew from Cali to Arizona first day, first call. He got on a uh on a call with his lead that he got and was able to close, I think it was$350 deal. And the whole time I was able to just walk him through it, and he got paid$2,500 off that uh like first advance and then gonna get paid the rest later on.
SPEAKER_04:It's kind of funny too, because the guy's like, is people whispering to you?
SPEAKER_01:Yeah, because we this was comedy.
SPEAKER_04:Because you were, yeah, 100% and then he was like we got in the office. He's like, I can hear that. He thinks he's going crazy. Yeah, but it's like, I mean, that's what we want to do is ultimately anybody that comes in, we want to be able to, you know, help you through that first process, not just be like, hey, this is a system that you can follow. You want to be very hands-on, and once you teach you know, the people that are closest to you how to do it, then essentially they're doing the same thing with everybody that comes in. So now you're just creating a culture where everybody's trying to get everybody up and running. Because we're big believers on like bringing in a certain type of person because essentially anybody that comes in quantity over quality.
SPEAKER_01:But it's like once you have the skill set and you're able to teach that skill set, you get even better at that skill set, and then now you're teaching somebody else that's learning that skill set, and then you basically tell them, like, hey, teach this with somebody else, and then now they're sharpening their skill set, and it just you know just trickles down. Um, and it's like everybody's gonna start selling, you know, pretty similar and you know, sounding the same. So I always believe in leading by example. Like you can't be a leader if you can't, you know, teach somebody how to do what you're telling them to do, right? So I always took that pretty serious, and that's why I always made it a goal for myself to write as much business as possible. You know, I've been able to write 100k three different months, and now I want to do that every single month with this, you know, in the in FFL. And if I'm able to do that, then I can train someone that just joined, teach them on how to sell at each level, all the way up to 100,000. And they're not gonna question me because I did it multiple times, you know. So that's that's my big belief. And I believe that if since I have the skill set, I can teach everybody else on how to get that skill set too. Because I came in, I didn't have like before life insurance, I had no direction, I had no vision with anything, I was lost, you know, no college degree. Um and like I I I really just was like out in the clubs, you know, got into the wrong crowd, going the wr in the wrong direction in life, and how I got into it was pretty funny. Um it was basically a Wolf Wall Street type of moment. Uh somebody that I knew, uh their fiance, he was in life insurance and he just came off like a$50,000 month. And you know, we were talking and I was just kind of explaining my situation. He was like, Man, I've been there. You know, you're young, you're 23 years old. You know, I've I've been in your situation, but if you want better and you want to do better, I have an opportunity for you. You know, I just made$50,000 last month. I was like, show me that, and I'm gonna put my head down on grind and do whatever you tell me to do. And he showed me that$50,000 a month. And ever since then, I believed in the in the industry and I just went all in right away. So it was it was pretty crazy, you know, just going from no direction, no purpose, no guidance to complete 180 in the business. And I know if it can change my life, then it can change anybody else's life.
SPEAKER_03:Dope. Yeah, love it.
SPEAKER_04:Yeah, it was pretty uh interesting watching him take the course and doing everything. That's when I got into solar because I was like, I don't know this guy, like you have more relationship with him. I was like, you go do that way, I'm gonna go do solar. And so it was pretty because we were living together when we actually first moved out to Arizona, and I'd come home sweating. Like I'm outside all day, and it was in solar, you'd make a lot of commission off of fewer deals, and so I'd get like one deal a week, make a decent amount of money, but he's selling you know five, six deals a week in the beginning, and it was just like, all right, we're both being successful, but life insurance is a lot more stable income rather than you know going in and just getting these large commissions. It's like you can constantly bring money in. And we went from I went from getting paid like once a month to then once a week. Now I'm getting paid daily, and I'm like I I like being paid daily a lot better.
SPEAKER_02:Next thing you know, it's gonna be three times a day.
SPEAKER_04:Well submit application money comes in at noon. Yeah, that'd be crazy. I mean, I see it. Technology's evolving in this industry, um, especially with applications. It I mean, everything is getting a lot more efficient. Um, with America, I mean it's just hey, read off a stick-digit code. Like it's pretty convenient. I mean, I'm sure there's gonna be something that's a little bit simpler.
SPEAKER_00:I don't know what, but yeah, I mean that's pretty simple.
SPEAKER_04:That's as simple as it gets. Really top that, but yeah, I mean, the insurance companies are definitely making it easier for us to help people and get people into policies, which is very convenient.
SPEAKER_01:Well, yeah, I just got my first uh carrier bonus. That was pretty cool.
SPEAKER_02:Well, yeah, let's talk about that. How did how does that work?
SPEAKER_01:Yeah, so depending on each carrier, they have certain bonuses for producers. So my first care my first carrier bonus was Americo. So every six months, if you write at least 55,000, you get 10% bonus off that if your persistency is there, so you have to have good persistency. But I started what the end of September, so two months, two full months in, I was able to write$55,000 and now I'm getting paid$5,500 from it, which is now uh and all the carriers have a different variation of it.
SPEAKER_02:Have you gotten a FFL bonus yet?
SPEAKER_01:Like an agent bonus or yeah, so I haven't received it yet. Um, because the first one that you get, uh they have to like put you in the system and you know, uh, you know, get it going. But my first two weeks I issue paid 20k um at least, and then October I issue paid 30. And then this month or November I should have issue paid around either 40 or 50,000. So I have three FFL bonuses that's gonna be headed my way.
SPEAKER_04:Dope. It's pretty pretty convenient getting paid for what you do, even more.
SPEAKER_01:What's like 450 for 20k or 750? I think it's 750. Yeah, 750, and then for 30k, I think it was like 1200. Yeah, and then it's crazy. 40k is about six.
SPEAKER_02:The crazy thing is that the bonuses are somewhere between, I don't want to say exactly, but three and four million a month of of payments going out. Yeah. A lot of people are like, I pay my mortgage with the FFL bonus, and I go on vacations with the Americo bonus, and then I you know.
SPEAKER_01:Well, I'm getting the uh McLaren soon. So I I told him, I was like, I'm gonna be able to pay my my McLaren payments with just the FFL bonuses. How much is a McLaren? So the one I want to get is about 225,000.
SPEAKER_02:Nice. Yeah, I'm probably gonna hold off for a little bit. Yeah, he's he's like me over here. I'm buying stocks and I'm gonna go to my crypto. See, yeah, stocks in crypto.
SPEAKER_01:Hey, McLaren is business stock, okay?
SPEAKER_03:No, I I I believe him, bro. Yeah, it's gonna we live together. He'll go to sleep early. I'll take the car out. Yeah, he gets it for free.
SPEAKER_01:We'll we'll work out a deal. Yeah. No, I actually know. Uh you're gonna have to get your own car. I will. Nobody's touching my McLaren. You can you can you can drive the Cybertruck, but not the McLaren. That's all right, boys.
SPEAKER_02:Thank you for coming in. I can't wait to see what you guys build. Congratulations on your early success. Uh you guys talk you guys talk a big game, so I'm excited to see what you actually do in the next year. I mean it comes to but I'm hoping you're gonna you're gonna be the fastest growing team in the company.
SPEAKER_01:That's the goal. That's the goal. I told Hayden, I want to do a million within the next year or so. Yeah, hell yeah.
SPEAKER_02:All right, boys. Let's go kill it. Thank you guys for joining us. Hit them up if you're interested in working with them.