From Engineer to Top Agent: How Juston Lisk Built a Business Around Family First

“Today’s guest is Juston Lisk, a State Farm agent with an engineering background who made a big life shift in pursuit of something more important—family. Originally from Iowa and now calling Arizona home for the past five years, Juston made the leap when he became a dad, determined to build a career that allowed him to be home every night while still doing meaningful work.

Since then, he’s built Juston Lisk State Farm into one of the top-performing agencies in the Phoenix area, earning recognition as a State Farm Honor Agency. Known for his people-first approach, he focuses on building real relationships and bringing a personal touch back to insurance. His mission is simple: treat customers like family, deliver real solutions, and make sure every client feels confident and cared for.”

www.MyAgentJuston.com
480-983-0418

Special thank you to Juston Lisk from State Farm— Juston’s mission is simple: treat customers like family, provide real solutions, and ensure every client feels confident, supported, and genuinely cared for. That level of intention and service is exactly why he’s considered one of our favorite Local Legends in Arizona.

We’re grateful for the support and proud to highlight Juston and his team for truly making a difference in our community.

This episode is Sponsored by Juston Lisk www.MyAgentJuston.com 480-983-0418

These are the local legends shaping our communities.
Real stories, real talk, and powerful conversations.
Local Legends with Jess — where Arizona’s stories connect.

Transcript

SPEAKER_03 0:00

Welcome to Local Legends with Jess, the Arizona Edition. I'm Jessica Benevento, your mortgage matchmaker, opening doors with ease and bringing you the stories behind Arizona's most inspiring people. From best-selling authors and elite athletes to business badasses making moves across the valley. These are the local legends shaping our communities. Get the inside scoop, real talk, and powerful conversations you won't hear anywhere else. Local Legends with Jess, where Arizona's stories connect. All right.

SPEAKER_04 0:29

Welcome to Local Legends with Jess. And now my co-host, Jason.

SPEAKER_01 0:34

Hi, everyone. How are you? Are you excited to be here? I am very excited.

SPEAKER_04 0:37

We have a very special guest today. Do you want to introduce him? No, it's not good. Okay. So we have a special guest, a local legend, Mr. Justin Lisk. Are you excited to be a local legend?

SPEAKER_02 0:47

Thanks for having me on.

SPEAKER_04 0:48

Absolutely. And I have to give a shout out because local legends would not be here unless it was for you and your sponsorship. So thank you for sponsoring this awesome podcast.

SPEAKER_02 0:58

Thank you for the opportunity.

SPEAKER_04 1:00

Yeah. Yeah. So before we get into it, I'm just going to glaze you, as my son says it. Do you know glaze? Have you heard of that? Teach me. What's glazing is I just learned fire. So yeah. You're fire and I'm going to glaze you.

SPEAKER_01 1:12

So she's going to glaze you and you're going to be on fire.

SPEAKER_04 1:16

You're saying it wrong. Just go. Fire because he's cool. Yeah, I know. Okay. Anyway, I'm going to glaze you because you, I mean, insurance, and you always say it, like it's not the most exciting thing to talk about, but it's something we all need and we we have to have it, right? Um, but I get to, both of us, I mean, we get to utilize you as our personal insurance agent. We have whole life with you for our kiddos. And um, that took, I think you were the fourth person to explain what whole life insurance was. And I finally got it. Um, so thank you for that.

SPEAKER_01 1:52

Took her a while to count.

SPEAKER_04 1:54

It takes you a while for some things that are very important. But you're also our car insurance agent, and um, we do business together, and you insure about 90% of my clients that come through. So I thank you.

SPEAKER_02 2:06

And we appreciate it. Yes.

SPEAKER_04 2:08

So, how do we find you, Justin, my agent. Yes, check us out.

SPEAKER_02 2:12

Um, www.myagentjustin.com. That's our website. Okay. Um office number 480-983-0418.

SPEAKER_01 2:20

Yeah.

SPEAKER_02 2:20

Um, but reach out to us online, give us a call. We're always happy to help. I love it. Yeah. I love it.

SPEAKER_01 2:25

And he always answers the phone, which I really, really check. No, it's weird. Yeah, but that's what you have to do. Nowadays, people don't want to. If he doesn't answer, that means he's doing something and he'll close you right back. And I appreciate that. That's a that's something that people don't do nowadays. Yeah. So I commend you for that.

SPEAKER_02 2:40

Thank you. Yeah, and so I've got a team of five people here locally as well. Yeah. Um, they know the Phoenix area, like this is their specialty. Um, you don't have you know kids sitting in his underwear in Nebraska trying to help with Arizona that has no idea what's going on. So we try to be your local specialists and take great care of our customers, like family.

SPEAKER_04 3:00

Yeah, I love that. Oh, that's cool. And you really mean it. You're not just being like a cheesy salesperson. That's what I love about you.

SPEAKER_01 3:06

Because you're a big all-around nice guy.

SPEAKER_04 3:07

You should have good guy. It's the Midwest in it. Yeah, it is. All right, so let's get into that. Justin Lisk, where are you from? How did you get to where you are right now in Arizona and doing what you do? Yeah. So give us the mini, Justin.

SPEAKER_02 3:22

I grew up in Iowa. Okay. In Des Moines, and my mom worked for insurance. She was a safe arm agent, and I grew up and I was like, I'm never doing that. Right. You know, I want to do some cool stuff. So um I went to Iowa State, got my engineering degree, and I wanted to design cars. So that's what I went to school for. Um, I worked for a company that designed like testing equipment for race cars. Wow. I did that for a couple years. And then I got into an international company doing stuff for like tractors and excavators. So like John Deere and Caterpillar were our big types of customers. Um, traveled the world and loved it, and then got married, and we decided we wanted to start a family. And my folks lived here in in Phoenix already. And um I kind of got tired of the winter and I loved the Phoenix area. So my wife and I were like, hey, let's pull the trigger, let's move somewhere nice and warm and where we don't have to shovel and be closer to to our family.

SPEAKER_05 4:25

Right.

SPEAKER_02 4:25

So that's what that's what transpired. Um I decided I also didn't want to be traveling all the time. So I was like, I need to find a different career. My mom was like, hey, you know what it's like. Like you've been to my office, you've helped me with events. Right. Give us agency a shot. So I shadowed my agent for a while and he let me work there on the weekends and got to see what it was like. Now, how old are you at this point when you're doing that? This was six years ago. So I was 31. Okay. So I had spent And no kids, right? No kids at that time. Okay. Yep. I had spent 12 years in the like engineering field before all that. That's a scary time. Yeah, it was. Yeah. And so my wife actually didn't want me to do it because it was a lot of uncertainty. A lot of things came with that. Exactly.

SPEAKER_01 5:20

Yeah.

SPEAKER_02 5:21

And we wanted to have kids, and she was like, I don't, I don't know, I don't like feel comfortable with this. Yeah. I said, well, just trust me. Like, let me give it a shot. If it doesn't work out, I'll do something different.

SPEAKER_01 5:32

Did that motivate you, the fact that she was a little nervous and you wanted to kind of prove her wrong a little bit? A little bit? That's totally. Yeah. Maybe she did that on purpose. Maybe. Yeah.

SPEAKER_02 5:42

I don't know. And you're probably the same way. I feel like with a lot of guys, when like when we're needed, like we step up to the occasion. Totally. You know what I mean? And when people think maybe we can't do something, like that motivates us even more to do it. Yeah.

SPEAKER_01 5:57

You know what's so funny? Moving to Arizona, I told people I was moving to Arizona, I really don't think I was until everybody told me you weren't. And then I actually just went through with it just to prove people wrong when I was 19. So I know exactly what you're speaking of. I'm exactly the same way. So kudos to you because if I'm not mistaken, no base salary, right? Correct. And it's just straight commission. My whole life's been straight commission except waiting tables.

SPEAKER_02 6:21

First couple years were like living on savings. Yeah. Right. Um and you know, luckily my parents were here. My mom kind of helped us with, hey, you know, some jump start areas here and there with the business. Yeah. Because she she had a successful agency. So um but yeah, while while I was starting my agency, that was when we had our first daughter or our first child who's a girl. Her name's Maya.

SPEAKER_01 6:45

That kicked it started too even more, right?

SPEAKER_02 6:47

So there was not a lot of sleep, you know, between the business and raising this little girl. Yeah. So um it's it's really rewarding now to be able to come and do things like this with you guys and and not stress about working 24-7 and making sure that there's food on the table for the kids. Right.

SPEAKER_05 7:07

Yeah, right.

SPEAKER_02 7:08

Yeah. Super pumped to be here and thank you guys for being a huge part of it. Yeah. And trusting us with like with your guys' customers too. Yeah. That means the world. So I really thank you guys.

SPEAKER_04 7:18

Yeah, absolutely. But it it's cool because I was thinking about this today. Like being I I I said I might have said this the last time we were we were talking, or maybe I was talking to someone, maybe my boyfriend. But we uh I I remember like now being in my mid-40s, like or when I go back to my my mid-20s and early 30s, like I couldn't wait to be older to, and I swear I thought this because I think I was an old soul, my eyes like bugging out because of allergies, sorry. But I couldn't wait to be surrounded by professional people like myself. Like I know this sounds weird, but I just when I was young, I never felt like I was really respected in business. I felt young. I felt like I was kind of looked down at, like I wasn't there yet. Why are you laughing at me? Well, maybe because people knew you. What? Oh my God, you're fired. I'm over this. But now I think I reflect back now and I'm like, oh my gosh, I'm there. Like I get to do business. Like in my 30s, I wouldn't think that I would be doing a podcast and excited about having my insurance guy that do you know what I mean? Like it's just cool as you get older, you get more confident and just I don't know, you find like people and you just you're able to elevate your businesses together. I think it's cool.

SPEAKER_01 8:42

The fact of the matter is when you get Did that make any sense? Yes. So for you, did it make sense?

SPEAKER_04 8:47

Yeah.

SPEAKER_01 8:47

For you did it make sense, right? In building your business, yeah. You'll use you were using people because you wanted to get business from them. Now you're at the stage of your life, you only work with people you like. That's it. So that's really like enjoyable to know that, oh, damn, something happened. I need to call Justin. Yeah. It's cool that you actually look forward to calling you because you're a good guy. Yeah.

SPEAKER_04 9:08

Like he's a real person, right?

SPEAKER_01 9:10

And what I love about your business is that it's an annuity, right? That you can now could you pass that to your kids, like as far as your book of business?

SPEAKER_02 9:19

And good question. So, like, I could have my kids join my agency, yeah. Um, as long as I'm alive, they they could work there for me. Right. So if they want to, will be another story. We'll see. Yeah. I mean, the industry's changing a lot. Yeah, it is. It's tough. All the self-driving cars and who knows what it'll be like in 20 years.

SPEAKER_04 9:38

Now, how do you go into insurance? How do you insure a self-driving car?

SPEAKER_02 9:43

Good question. So we don't do like the Waymo type ones because those are through like their commercial insurance. But like a Tesla, it's just like a normal car. Yeah. Right. And the rates are just like a normal driving car. Okay.

SPEAKER_04 9:58

So it's nothing different, even though they have a mode that's self-driving.

SPEAKER_01 10:02

Just so you know, our friend Jerry that we had on the podcast has a self-driving mode, and it's 30 times better than the way he drives. Really? So it's probably shooting down insurance.

SPEAKER_04 10:12

That's nice that you're saying 30, 100 times. He is the worst driver ever.

SPEAKER_01 10:17

He'll be like, this is a good song, right? I'm like, there's a tractor trailer at a stoplight. You have to stop. And it's like, yeah, and I'm like, this is I I can't do this anymore. I'm like, I tell his brother, and his brother's like, he's the worst driver. Everybody knows it.

SPEAKER_04 10:30

Yeah. Okay, so it's not different. That's interesting.

SPEAKER_01 10:32

Yeah.

SPEAKER_02 10:33

We'll have to see what happens over time. It's it's a new area. Yeah.

SPEAKER_01 10:37

You need test cases, right? To see exactly what the payouts and I would agree. They're less they're less likely to get in an accident than a normal person, right? I would think so. Do you think so?

SPEAKER_04 10:48

I would think so. But then you're also on the road with crazy people.

SPEAKER_01 10:52

So it's how But it's but it don't forget it's it has so many cameras and it's always alert. I know. It's you sometimes, right? As good as a driver as you are.

SPEAKER_04 11:00

There we go.

SPEAKER_01 11:01

You're not the most alert person.

SPEAKER_04 11:02

I mean fired again.

SPEAKER_01 11:03

You have the fax machine going, you have third level of a video game next to you.

SPEAKER_04 11:08

I mean, I'm doing emails with my toes while I'm driving. Actually, the best thing that I did, and I know you guys talked about self-driving cars, but I took Yeah, I took an Uber somewhere out. Oh, to meet you, to meet you and sheer. I took an Uber and I got so much done. It was like a 12-minute drive, but I was like on the phone, I was typing eat, you know.

SPEAKER_01 11:31

Yeah, so then I need a self-driving. But didn't you put money down on the uh Tesla?

SPEAKER_02 11:36

Yeah, the cyber taxi is coming out, right?

SPEAKER_01 11:38

The next year, what a brilliant idea. You push your button and it goes into where it will drive, and you get a portion of the money that that thing brought in. Yeah, it almost like you Uber it out, right? Yeah, it should probably pay for itself. It's like such a brilliant idea. It is. Why couldn't we come up with that, Justin? No, seriously.

SPEAKER_05 11:54

Seriously.

SPEAKER_01 11:55

So you have your business, you have your children, and then before this podcast started, you said you went to bed late last night. What was the reason for that?

SPEAKER_02 12:05

Yeah, so I'm in a men's D League hockey league.

SPEAKER_04 12:10

So I could never imagine you playing hockey. I don't know why. So that is so cool.

SPEAKER_02 12:16

You know, like sometimes I'll wake up in the middle of the night and I'll be like, oh man, I forgot to help that person today, or like I need to get that done tomorrow. And the one thing that totally takes my mind off everything is hopping on that ice hockey rink with my flat.

SPEAKER_04 12:32

So awesome.

SPEAKER_02 12:33

And it's so fun. So I played travel hockey until I was 17. Okay. So I stopped.

SPEAKER_05 12:40

Right.

SPEAKER_02 12:41

Um, I started playing ice hockey again two years ago.

SPEAKER_01 12:44

Was that your only sport?

unknown 12:45

Yeah.

SPEAKER_01 12:46

So you were only on hockey yet. Okay.

SPEAKER_02 12:48

So I started playing two years ago when I was 36. So I took an 18-year break. Wow. Got back into it. I was terrible when I first started two years ago. Yeah. Like my mind wanted to do things that my body just couldn't do. Yeah. Right. But finally, you know, with all the practice and everything, it's coming back and it's so much fun. Yeah. You know, just shooting it with the guys in the locker room. That's so cool. Yeah. One of my buddies. So there's like video cameras in the in the ice rink. Yeah. And he makes these like highlight clips, these highlight reels of our games. Yeah. Of like all the penalties and the codes. Awesome. Yeah, I'll show you after. It's really cool. Yeah. That's it's a good time. Like I've made some really good friends doing it. Yeah. And I'm sure it's competitive. Yeah. Yeah. Do you fight? There's there's some fights here and there, but it's not like the pros. Yeah. We get kicked out for three games if we fight. Oh, okay. We're paying for it. So like we don't want to petty and not get to play. You know what I mean? I can't play to sleep. Yeah, exactly. But it's a good time. So like last night our game started at 10:30.

SPEAKER_04 13:51

At night?

SPEAKER_02 13:52

Yeah. Wait, what?

SPEAKER_01 13:53

Because they can't get ice time.

SPEAKER_02 13:55

Yeah, that's when the Who takes priority? That's when the overweight, you know, old men.

SPEAKER_03 13:59

Okay, so you guys are last year.

SPEAKER_02 14:01

Yeah, all the high schoolers, middle schoolers, like all the Japanese are good.

SPEAKER_01 14:05

Freeform skating for fun.

SPEAKER_02 14:07

Yeah. Yeah. All the good guys get to go first. So it was a late night. I didn't get home till like 12 30.

SPEAKER_04 14:16

Oh my gosh.

SPEAKER_02 14:16

I was up till one o'clock, too. Yes.

SPEAKER_01 14:18

But that's what's cool. Like that's awesome. Like it's it's being competitive again. And it's also like the friendship that you have with the guys, right? Yeah. And it's also just coming out and like you love your family more than anything. You could tell your face lights up when you speak about your family, but it's also nice that this is your time, right? We all need that. And I think that's really cool.

SPEAKER_02 14:40

Yeah. Yeah. Yeah. We've done a couple tournaments, and like my my wife will bring our kids to come watch me play. When the games aren't too late. We had an 8 30 game and the kids came to that. Yeah. And my son was getting into it. He was like yelling. He's only two and a half. Right. And he was like yelling. Oh, that is so cool. And so it's it's really cool to have them come and come and watch. Do you think they'll get into it? Do you think they they'll play? They'll get on the road. I'm getting my daughter into ice skating. Cool. So I like to take her to like the free skates. Yep. But I think she's gonna be more of like a figure skater. Because she goes out and she just wants to go dance.

SPEAKER_05 15:17

Oh, that's right. I love that.

SPEAKER_02 15:19

She just like she'll be out there just like dancing on her ice skates, you know what I mean? Like trying to do little twirls and stuff everything. Um so I think she she might want to do figure skating. Right. But my son Kaiden, I could see him wanting to wanting to play hockey. He's like, he's a hundred percent dude. Like he runs up to walls and stuff, falls down, doesn't it? Couldn't hurt my daughter, who's two years older. He's just like full boars. Yeah. That's Sophia. Yep, no kidding. Yeah, that's Michael's afraid of her. She's nine, he's 14. Yeah. Totally afraid of her. He's gotten huge too. I've seen some videos. He's grown like crazy the last couple years. It goes.

SPEAKER_01 15:53

But you know what it is? He's gonna be a freshman at Chaparrell. Now he's at 14. Now it's like, wait, hold on. Friends, wait, sports, family, friends. Wait, girls. And then girls start coming like over here. Yeah, yeah. Then you could I now I'm in the gym. That's all he does. Gym. I'm locked in, dad. I'm locked in. And we're gonna have broccoli lifting. I'm gonna get 135 up. But he's like shredded right now. It's actually cool to see. Good for him. Yeah. He actually motivated me to get in the gym, which is cool. Oh, yeah. Yeah. He's like, Dad, when are you gonna get in the gym? I'm like, I will, Mike. And honestly, it's been a year since I went back to the gym, like consistently. So I try to get three days a week, and it's actually my like alone time. Yeah. Like I'll go in there. It's only 45 minutes to an hour, but it's like nice just to get it. That's why we were late today.

SPEAKER_04 16:36

He was at the gym.

SPEAKER_02 16:37

Yeah.

SPEAKER_01 16:37

Yeah.

SPEAKER_04 16:38

Yeah.

SPEAKER_02 16:38

Yeah, it makes a big difference. Like you got to take care of yourself mentally, you know what I mean? And have a chance to reset. Yeah. You need an outlet. Yeah, you need something like that. Right? Yeah.

SPEAKER_04 16:47

Because especially like our business is we're consumed with it. It's not, we're we're not nine to five clocking out, and you could actually just come home and and be home and be engaged with the family. Like it's constant. So that's I need something.

SPEAKER_02 16:59

It's good to force yourself to take a break. Yeah.

SPEAKER_04 17:01

Maybe I'll get into hockey with you. There you go. Yeah. Can I join the men's league? Why don't we do like a softball league? I don't want to play softball. Why? Not with you. Too much pressure. I just think you'll be mean to me.

unknown 17:12

I won't.

SPEAKER_01 17:13

You know what's so funny? We only had one experience in our in our relationship of playing a sport, and it was in uh Cabo. And it was like a president's club trip, and we played volleyball together, right? Yeah. I become like a maniac ultra competitive. And a couple times, like she missed the ball here and there, but she was in front of me.

SPEAKER_04 17:32

So when it got deep in the door, I missed the ball probably once. And he was annoyed. What is wrong with you? Okay. I'm sorry. And then I got really nervous. Like I felt like I was I was very pressured. And then what happens?

SPEAKER_01 17:47

Like balls there, and I'm like, she's definitely not getting to this, right?

SPEAKER_04 17:51

I saw the shot. I had the shot. He literally went in front of me and slammed it and threw me on the ground. Jason, that's exactly if that's how it happened. Yeah, that's exactly how it happened. Threw me on the ground. Everyone's like, whoa, bro. And he's like, she's fine. That definitely didn't happen. I was spitting out sand. I was mortified.

SPEAKER_01 18:12

She had she lost her teeth. We just put her new hair. The best part of that. Do you remember the funniest part of that whole day? No. So the night before we were out drinking, and I'm like, oh my God, Jess, if you tip these guys, like, don't get you anything you want. I'm like, here's 300. Kill the guy in room 327. And he's like, where? I'm like, I'm just kidding, dude. That next day, I'm playing volleyball and I break my toe. And they're like, you got to go see the medic. I get there, it was the guy that was serving me drinks. I'm like, hold on one second here.

SPEAKER_00 18:44

My toe's purple. You bandaged my calf. Like, what is going on? You were the guy serving me drinks. How are you a proper medic? Like, so my toe sideways. Do you remember that? God, yes, that was great.

SPEAKER_04 18:55

How did we get on that topic?

SPEAKER_02 18:56

I don't know. But go ahead.

SPEAKER_04 18:58

Oh, because I want to play hockey. And then you went to volleyball.

SPEAKER_02 19:01

Yeah. Yeah, it's a lot to get into hockey. I think it's too much.

SPEAKER_04 19:05

I've probably skated once. I need another outlet.

SPEAKER_02 19:08

I'll figure that out for myself. You got options.

SPEAKER_04 19:10

That's great.

SPEAKER_01 19:11

So what is how long do you think you'll play for? I think you got it too much. How long can you play for? I mean, so you don't want to.

SPEAKER_02 19:17

I mean, there's there's there are guys out there playing that are there's a guy that used to play in the NHL that plays on like the Sunday practice in Gilbert. And he's probably like 70. Oh my god. Really? That's sick. And is he good? He's still good. That's awesome. Yeah, like he's not the fastest, but he's still like he had but he can handle. Yeah, yeah. He holds his own. Yeah.

SPEAKER_01 19:41

That's sick. That's pretty cool. I would have never thought that.

SPEAKER_04 19:44

Especially hockey. Like, I understand golf. Like, that's not that doesn't take much, but hockey. Yeah. I'd be really nervous if you were seven years old getting on a rank, even walking.

SPEAKER_02 19:53

Yeah. Like old team USA won the Olympics. Oh, yeah. Like you were pumped for that. So like that brought a lot of energy, I think. Yeah. Yes. To the leagues. So that's so cool. Yeah.

SPEAKER_01 20:05

Do you think that's the best goalie that you've ever seen?

SPEAKER_02 20:07

Oh, that was the best. Yeah, that was the best goalie.

SPEAKER_01 20:09

That was the most insane thing I've ever seen. By far. Yeah. Yeah. Because they were a way better team. Oh, yes. It's not even close. They play that 10 times, they probably lose seven. Exactly.

SPEAKER_02 20:19

Yeah. It was the whole like miracle in ice cream. It was awesome.

SPEAKER_04 20:22

That's so cool.

SPEAKER_02 20:22

It was pretty cool. Because USA hasn't won it for forever. 40 years, something like that? Since it's long? Oh well, I don't know. There's something like that, yeah.

SPEAKER_04 20:32

Yeah. That's awesome.

SPEAKER_02 20:34

Yeah. Sorry, what were you were you asking before? Have you ever do you golf or play any other sports? I like to golf, yeah. It's funny. So I play hockey left-handed and I golf right-handed. How did that how did you do that? I don't know how. You found the set of righties? Well, that's just what I started with with golf, yeah. That's interesting. So I do them totally opposite.

SPEAKER_01 20:50

That's really interesting.

SPEAKER_02 20:51

Yeah. Wow. I like I like to golf once in a while, though. Yeah. My brother's really good at golf, and his best friend works at Ping. Oh, so that's cool.

SPEAKER_01 20:59

Yeah.

SPEAKER_02 20:59

So like they're always out golfing and trying new clubs and stuff. And I can't hang with those guys.

SPEAKER_01 21:05

Yeah. But they're they're still fun to be around. That's that's so cool. I still can't get over the guy that plays in his 70s. That's amazing. Yeah.

SPEAKER_02 21:13

Wow. Yeah, it's pretty cool. Yeah.

SPEAKER_04 21:15

Can we talk about insurance real quick or is that boring?

SPEAKER_02 21:18

Whatever you guys want to.

SPEAKER_04 21:20

Because I want to talk about insurance. Okay, what do you want to talk about? I'm really excited. Can you explain? Because I try to tell my friend, like my kids think they're going to be loaded. Well, I think they're yeah, think they're going to be loaded because I have a couple policies for them.

unknown 21:33

Okay.

SPEAKER_04 21:34

Can you explain why that's beneficial for parents to get for their kids at a young age? Sure.

SPEAKER_02 21:41

So what you have for your kids is what I have for my kids. And um it's a permanent policy for them that we parents can pay off for them in like 20 years, which is what you and I are both doing. So we can take care of it while we're still working. And pump some money into it.

SPEAKER_05 22:01

Yeah.

SPEAKER_02 22:02

Uh, and let it start to grow and earn dividends and things like that.

SPEAKER_05 22:05

Right.

SPEAKER_02 22:06

Um, if they're gonna be loaded from it, like, you know, that's not really the purpose of it.

SPEAKER_00 22:11

Um that's what I tell them. But he's such a nice guy.

SPEAKER_02 22:17

The reason it's important and like why I encourage you to think about it and why I do it for my kids is because like we talked about at the beginning, most parents reach a stage at some point where they're struggling financially, especially when they first have kids. Yeah. And when your kids get to that age, if they want to have kids, this will be something that mom and dad paid off for them. Right. To help them know that they've got coverage in place to take care of their family, right? If something happens to them. Right, right. So it's really for you guys to kind of help protect that next generation after them, right? Yep. And if you guys aren't around and something happens to your kids, that's a gift from grandma and grandpa. Yeah. Right. Yeah. And that's why I love it. It's some it's really inexpensive, it's easy for you guys to do. And it just it's that peace of mind for your kids and for their family at a time they might not be able to do something for themselves.

SPEAKER_04 23:19

And they have that policy for a lot. I mean, that's that's their policy. And they got it at such a because they were so young, they got a crazy deal on it, right? Exactly. Could they take money against that?

SPEAKER_02 23:30

Yeah. So it they earn cash value. Okay. And so, like if an emergency comes up and they need to get some money out of it, they can take a loan against it at any point in time. Doesn't affect their credit, yeah. Right. Their their own bank essentially, yeah. And use it for whatever they need to. Maybe your son wants to start a restaurant.

SPEAKER_01 23:47

Yeah.

SPEAKER_02 23:48

Right? And he would have some money there to get things going if he wanted to. Yeah. Um, so it it can be used for a lot of different things.

SPEAKER_01 23:55

And when you pay it back, are you paying yourself back the interest? Yeah, it's like a 401k loan then.

SPEAKER_02 24:00

Yeah, exactly. Yeah, yeah. It's just like that.

SPEAKER_01 24:02

Yeah.

SPEAKER_02 24:03

Interesting. Yeah. So it's really cool. Yeah. And it's one of those things like I just I feel good when I have that for my kids. And I know a lot of parents feel good to have it, like thinking, hey, this is for your future family. Exactly. You know what I mean? It's a really nice gift to to pass down.

SPEAKER_04 24:19

I pay for that.

SPEAKER_02 24:21

You do. Just so you know. Yeah. See.

SPEAKER_01 24:25

See what she just did there.

SPEAKER_04 24:28

Well, we share everything else. It was back. We share everything else. That's true. You look very pretty today, brother. I got my makeup and hair done. Thank you. Well, it's time. Thank you for being here. Oh, thanks for having me. Can you believe we talked this long? I know. Wow. Right?

SPEAKER_02 24:41

Yeah. That was fun. That was nice, right? Yeah. That was a good conversation. I had a good time.

SPEAKER_04 24:45

Yeah. Well, thank you.

SPEAKER_02 24:46

You should do this more often. And no.

SPEAKER_04 24:48

And okay, how do people get in touch with you again? Give a little plug.

SPEAKER_02 24:51

Yeah. So myagentjustin.com is how you can get in touch with us. Um, also, our number is 480-983-0418.

SPEAKER_03 25:00

And you cover all of Arizona.

SPEAKER_02 25:01

All of Arizona. Yep. Auto home, life, small business, and uh Medicare as well. So give us a buzz. We'll be happy to help. Uh, if for some reason we can't, we'll help you find someone that can. Yes. That's our goal.

SPEAKER_04 25:14

Yes. Testimony too. He does our insurance and basically all my all my clients that come through. So thank you again for being here and being a local legend here.

SPEAKER_01 25:24

Just a good guy.

SPEAKER_04 25:25

Yes. Just a really good person. Yes.

SPEAKER_03 25:27

You're awesome. Thank you guys. That's a wrap.