36 Burst results for "Life Insurance"
Fresh update on "life insurance" discussed on Rocks Across the Pond
"A startup curling club. You know i would say for wayne's a nice small city it's it's been an adjustment for me coming from new york city and i've been here twenty five years. I'm almost adjusted There it's what's great about it is it's it's cheap very inexpensive And you know it's somewhat sheltered so kids can grow up here fairly sheltered compared to many other metropolitan areas which is which is great and in certain industries. It's it's good so in. Lots of lots of industry in fort wayne is is small manufacturers feeding into the automotive industry so i ended up here working in insurance. And there's only really one major life insurance company so After i left there since two thousand four. I've been working virtually but what you know. There's it's Hockey mad town. So there's lots of hockey it. It lacks the diversity of recreational activities. That many cities have and i think that's one of the things that really made it ideal to starting up a curling club especially in the winter. There's really not a lot from a recreational standpoint at least back then you know. The city is has grown significantly in the time. I've been here since the time we started the club. So there's a lot more opportunities you know built a speech fieldhouse parkview field house that volleyball basketball all of those sorts of things in really before we started the club There really wasn't as much of that or at least if there was i was you know wasn't well enough known than i knew about it. Show providing it recreational activity for people during winter when there wasn't a whole lot else available Really worked out well for us. Starting he has also. Have the best ballpark ever been to. It's my favourite wine. I've been to like sir. I've been to like seventy in the one in fort wayne is my favorite. Yeah so they That happened since we built the since we started the club. When you start club they were at a small stadium up by the coliseum but yeah they've done one thing for is done in. Perhaps i skipped over a lot of other stuff. But they've invested. If started to invest over the last fifteen years significantly the downtown area. When i first moved to fort wayne in downtown was was a business than in a ghost town but they really started to invest in downtown in a lot of different ways and one of the biggest..
Why You Should Be Wary of AI and Your Insurance Claim
"So tell us more about lemonade and this twitter thread so Lemonade is a fairly young company. They offer Renters home pet life insurance possibly doing car insurance in the future and Their whole thing is they've largely done away with like the human element of insurance you'd like replaced brokers and actuaries with bots in. She learning ai. Even when it comes to filing claim last week they put out this twitter thread. It was like seven tweets. That sort of explained this business model and it did it in. Maybe a clumsy way should pay mostly lots. We collect sixteen hundred data points even though we only ask like thirteen questions to get policy and that allows us to build a nuanced profile of view the customer and then what really. I think alarm people. Isn't it said that it also uses ai to detect. You know quote nonverbal cues for signs of fraud when people submit videos of planes and that this has helped like lesson claims over the years and make more money so that indicates that the body is using sort of what people look like or whatever. These nonverbal cues are to deny claims. So you can imagine how people see that and they get kind of upset. So nonverbal cues could be like someone's skin color or the appearance of their house or that kind of stuff. Yeah well people took it to me all kinds of things neuro divergent people who were like well if i look like i'm lying because i just answer questions different ways. That may i get denied. People were afraid about race. And yeah whatever's in the background Lemonade sir tried to clear that up by saying no no no we only meant. We use facial recognition. And don't get upset about that because it just means. We're making sure that like one person isn't in claims under several names. That's all we meant. And anytime we you know flag. Something is being possibly fraudulent human reviews it so we're not using phonology. I think the the word phonology came up which you know anytime you have to defend yourself. But he's in the word phonology like you've already done something wrong.
Couple Charged With Murder of Kids in Strange Doomsday Case
"An Idaho couple who embraced doomsday religious beliefs have now been formally charged with the murder of two children the children's mother Lori valoe day bell and her new husband Chad were indicted by a grand jury on charges of murder conspiracy and grand theft in the deaths of seven year old Joshua bellow and seventeen year old tightly Ryan Chad day bell was also charged with murder for his former wife Tammy's death prosecutors say the pair endorsed religious beliefs for killing the children whose bodies were found last summer months after they had been declared missing some of the charges stem from failure to notify social security that the children were dead while the mother collected benefits on their behalf according to local media day ballot also gotten his previous wife to increase her life insurance before she died I'm Jackie Quinn
The Angel's Landing Cult
"I think it's pretty safe to say when most of us think of angels whether or not you actually believe in them we see them symbols of peace and protection. I personally have never heard of anyone. Trying to use them to justify vile criminal and objectively morally repugnant actions. These i hadn't heard of that before. I'd heard about scumbag. Daniel perez cult leader tend to twist religious symbols and scripture to fit their own horrific narratives to serve their own selfish dark motives and daniel perez leader of a very small cult. Known as the angels landing cult was no exception. He twisted things. Further than most. perez is living proof that if he kissed the right people their lowest and most vulnerable points. You can get them to believe damn near anything. Peres comes across as maybe the laziest cult leader. We've covered so far. The least spiritually invested seems spent least amount of time studying religious teachings and for his laziness he was rewarded with over. Ten years of easy living clearly didn't put a lot of thought into his cult leader. Theology and i guess he didn't have to get what he wanted. He didn't write any book. No david berg. Child god type newsletters. He didn't spin out of an existing church. Poach former members like david koresh. He didn't come up with any crazy but at least somewhat thought out prophecies like y'all way been y'all way no complex theology or ideology no follower hierarchy didn't predict the world was gonna end soon like so many co-leaders or that he was god or jesus reincarnated or god's chosen prophet or any of that. Do to set some real real crazy shit centering around him. Knowing more than the rest of us and having heavenly powers the rest of us don't have people with minds far to open unprovable beliefs. A few people with far too much faith in celestial possibilities. They bought whatever he was selling and that was enough to allow him to live the terrible life he wanted to live some of those chosen few sadly brought their families into his cruel insanity and in several of them gave up their lives so he and the other followers can live off the money. He made through their deaths via his crazy life insurance scam. That actually worked far far too many times. Dana pres- is still living reminder. How dangerous it can be to dedicate your life to some whack. A doodle who claims they can do things or know things that they just can't proof
Houston woman killed her son to cash in on insurance policies
"Ah Houston mother could face capital murder charges after she allegedly killed her son by mixing allergy drugs and meth. Harris County prosecutors say Ashley marks fed the concoction to the six year old, causing him to overdose last June. According to prosecutors, the young 25 year old mother allegedly killed her son to collect on two life insurance policies totaling $100,000.
Hasbro is updating Monopoly's Community Chest cards
"Has announced a monopoly is getting a refresh. They're calling it again. They're going to be changing all sixteen community chest cards for the first time in five had to bring them more in line with modern life quote covering topics like beauty contests funds and life insurance. There is no denying the monopoly community chest. Cards are long overdue for a
Whole Life Insurance is bad, right?
"My name is chris. And i'm joined today with the founder of life. Success and legacy. Mike everett mike. Today i want to address one of the questions that was a huge stumbling block for me. When when sean. And i i were introduced to this concept of infinite banking and i got a whole nelson ashes book becoming your own banker and i read it multiple times pieces that really fit made sense to me but i had a mental block and that was because i had been that whole life. Insurance was the worst place in the world to put our money. We hear this over and over. So let's dig into that. There's a lot of people out there. A lot of financial people a lot of financial personalities that are out in the world that are saying whole life. insurance is the worst place in the world. Put your money. Why do they say that. Well if you go and you look at a traditional whole life insurance policy and the way. It's designed i. I really would tend to kind of lean towards what those personalities of said that whole life insurance is a bad place to put money. But if you go back a couple of generations right now and you think where did people put money before. 401k's and ira's became the traditional place to put the tax qualified plan ever came about. I'm gonna just terrier the only place most of those people in you're talking about my grandparents and migrate grandparents. They only had one place that well excuse me to They put it in whole life insurance programs policies right or they put it under the mattress at home. That's the only place that they did. But if you go back and you think like nelson does you think long term whole life insurance is the safest place you can put your money regardless of how it's designed but because of the way in which we go about reengineering the way the money is allocated in the policy it's the safest best place in the world and it's got more than anything with somebody would put their money in. Yeah i think for from my standpoint or at least how. I was taught to think about money. It's because whole life insurance Maybe traditionally designed rivage was designed to emphasize the death benefit. Anyone as little as possible. Try right when you look at that and you're looking at purely as an investment. It that maybe doesn't match up to some other things. But but honestly. I've seen some some workout there by by some folks we're actually can even show up to be better than some of the investments that are out there will in nelson's book i'm gonna just tell you that he uses a couple of examples one with the twins and one with the equipment financing and if you look at this over the long haul. I'm just telling you does it. Outperforms the market It outperforms inflation. And what's interesting when you when we read nelson's book the examples in the book aren't even designed they are anonymous is the cash value more which is how we will design for. That's correct. Why did he do that. Well the reason why he did that was he wanted to make sure people knew that it would work. Even if the policy wasn't designed properly. Yeah so so. If it's designed traditionally to emphasize have been and and pay his little into it as possible there some debate amongst people whether it would be better to do that versus mother things but when you start factoring in that policy could be designed to deemphasize the death benefit and you could emphasized the cash value portion of it and then you introduced the whole concept of using it for banking financing your financing. Needs in your life. There is no comparison. There's not so one of the questions that we always ask people right this very minute. If what is more important to you. Cash or life insurance death benefit. What are they all say. Cash every single time. So what if there was a program out there you could put money in and have access to it income tax free all along the days of your life. Okay so we need cash from right now till the day we die we only death benefit one day and we can show you through the program through abc through the policy. That if you did this all along your life not only. Would you have access and be able to utilize the cash is flowing in and out of your money. But at the time of year death you'll end up having two three four five times more death benefit than what you could purchase right now. phrase it is So many of us look at whether it's whole life for an investment or whatever we look at it as an either or right and really what this is about is a yes both. That's exactly right. If you really want to invest in the market or other types of things you can do that. But if you're smart you're gonna run your money through your ivy system. Get all the guarantees that they offer and then take loans against your policy and go do the stuff that you love to do exactly yeah. Great question I it's a hard one in our in our culture because so many of us have been told that whole life. Insurance is bad bad place to put our money but truth be told. It's actually the best place in the world to store money. It's foundational to a whole financial economic system for ourselves. It is
How to Design and Implement Your Estate Plan With Brett Kaufman
"Brat. When when i talk about the implementation of an estate plan. I'm re really referring to the the thoughtful and proper ownership of assets and appropriate beneficiary designations. And i hope you could spend some time just talking about why. That's so important. Absolutely i thanks for having me on today I appreciate that and i. I know there's a saying in estate. Planning you know the best laid plans of men often go awry. And that certainly applies for the estate. Planning client Clients spend a lot of hours and a lot of money working with estate planning attorney to be able to come up with a perfectly crafted estate plan going through all their family situation going through the taxes. And then that's what i call of step one and the attorney kind of puts together that plan. They signed the documents. But the face to never happens so those plans go awry. And that's kind of what we're going to talk about today that that's great could could you. Could you talk a little bit about about these intentions. And and how how actually assets get transferred. Yeah so basically the simplify how acids get transferred. There are four ways that any of us can owner assets. The first one is individually. So if you own a bank account in individual name. that's you only individually. The second way is as its name beneficiary. So that's a life insurance policy. That is retirement plan. That's an annuity. You have a beneficiary and then so basically whoever you name your beneficiary that's where it goes upon your passing. The other way is only things jointly with somebody was right to survivorship so if that person passes away automatically transfers to that surviving beneficiary in the fourth way is if you set up a trust and you transfer assets into that trust during your lifetime than upon your death. They're already in the trust and that trust becomes the roadmap of your state plan when you pass away so the you know in looking at those four ways. There's a lot that could go wrong if you don't properly title things in the appropriate box so for example the most important thing is if you have things in your individual name. That's basically going to pass through the probate process the other three ways that i mentioned having a named beneficiary only things jointly with somebody or putting things into your trust avoid. Probate is going through the court process. And there's three main reasons why people want to avoid probate. The first one is. There's a time delay from the time when somebody passes away until the time. Somebody has the authority to access that money so if somebody needs that money right away. Let's say to pay for a funeral to pay for taxes. Whatever it is or just have access to that money for of their daily needs. They're not going to have access if that if that bank account was just in that person's name so the fact whether or not you have the will not have a will is not the determining factor of probate probate the determining factors whether or not the acid was owned your individual name. So that's an important piece of it. And i mean the other reason why people want avoid. Probate is to be cost. There'll be attorney's fees they'd be court cost so there's an increased cost by having to go through that probate process in the third reason. Why people typically want to avoid that probate process is because it's all public record so when you when basically when you pass away you file your will with court and what happens is as part of that process your personal representative or it used to be called executor files an inventory of all your assets so everyone's gonna know what's inside of your state and also filing accounting so evans where it goes. So what happens is if you're a private person you don't want people to know how you're leaving your estate. You certainly want to avoid that process. So you don't want to have things in your individual name so basically it's important to kind of look how things are properly titled and when you have things at match before a named beneficiary that's great you can avoid that probate but you want to make sure that beneficiary designation as is the appropriate person or has been updated if you had subsequent children or you know you've remarried and were these different situations when get into today and also know the other way match before was owning acids jointly. And if you put someone on there for convenience you know are not. Be the person that you want those assets to go to so you need to kind of look at that and that's almost as important if not more important than just printing documents together. So so you mentioned a roadmap. And i've seen you in front of our clients of describing this road map and you actually put together a great document. And i'd i think it would be great to offer this this roadmap to any listeners. That wanna see it. Is that something that that we can share with listeners. absolutely senate over to you and you can feel free to post it in our on your website and and we can use a nice roadmap people can use. It's pretty easy to kinda understand again. Kind of showing you those four ways you can own your assets and how things were flow based on how you those assets so i just think it's important. I think you know par part of what what what we do is as a plan or is to review ownership and beneficiary designations and we tempted to do that each year. Because you know life. Life is full of changes things happen. People open up new accounts. Kids are born. Grandkids are born Just change happens and so we wanna make sure your On a regular basis that ownership and beneficiary designations are up to up to date relative to the client's actual objectives But know nevertheless. i've seen mistakes. And i'm sure you've seen plenty of them could you. Could we walk through the the mistakes and how that can affect a in an overall estate plan. And how that can really dampen someone's Ability to meet their objectives. Absolutely i mean there are. There are plenty mistakes and we cover mall today but you know kind of gone through some of the more important ones. I think that people should be aware of the ones. I see more often In the first kind of being you know for its four married couple that data go through that estate planning process. We talked about that. Spend that money on that on that. Trust that has you know. So if you're out there and you have an estate plan and you have and you've talked to an attorney and attorney says we have a family trust and we have a marital trust. What that means. Is that what you've done is you've done some tax planning. And as part of that in typically in massachusetts that tax plan involves making sure that when spouse one passes away there's a million at least a million dollars inside their trust to be able to exclude that from the surviving spouses of st. However what. I see what happens is that somebody doesn't have the assets either already put into the trust as i mentioned before or have assets directed to the truck at their death so if that happens then then what's going to happen is there. The money will never get to that. Trust in that plan that was that was perfectly implemented and signed the acids never flow to that. Trust to be able to have that that savings that you intended
Amanda Cassar, Director of Wealth Planning Partners, on Running a Family Business
"Welcome again to that i typically. The podcast will even in family business. My name is susan brand scope. I am your highest of course and today we've got with us. The lovely man kazaa who earns two businesses wealth planning partners and trusted aide care services at the gulf coast. She's also currently the chair of the meanwhile around tyrosine really does keep yourself busy. And not just that. She has written a fabulous book called financial secrets revealed and of course ones one of the businesses as a family business with her two adult children and also has suspended working alongside her before that time when she first started she was also in business with her parents. I can't wait to hear some of the insights and learning all about working with your children and look working with your parents and how that sometimes pan out so welcome to the show man. That's lovely to have you with us. Thank you so much for having me. It's great to be here. What quite an amazing story. Now you've got to add all children and you system working with you all congratulations for that. Hanno on how did you family business get started. I ended up working for a friend of my father's out of high school. He back then was what you'd call a life or a life insurance agent Lowest in insurance and superannuation. And i became his secretary pretty much straight out of high school and not long into that. My father joined the business. He was what we'd call a fiery or foreign general insurance burqa said look. After business insurance house contents and cows well-traveled look after the law and superannuation so it sort of started becca generation before the children came along. That was before. I even had children and around that time i got married and was hitting off on my honeymoon so i tried my mom up to do a bit of mean answering defines while i was gone so mom and dad were in the business with my former employee treva and that was probably around ninety four when i got married and then the children came along ninety six and ninety eight. I did have a couple of years off to raise the babies and unite changed. The rate is at school and do all the mom stop. How bad on talk show. Which figured it wasn't actually very good at so went back to work and Did side the children is that were growing up. And i look. I've got his business. Trevor in the meantime has retied any seventies dad retired and moved on and took iva. Holly insult the financial planning saad and said to them. You know if you ever work in business. There's an opportunity for you to do that. Which they both promptly went. There is no way wherever working with you stay. My son went off to become a mechanic after school when to tried college. A my daughter Went to college and became a makeup specialist so that stage it was just may and Some others plotting away but eventually my son turned up one day and sit all have been thinking about doing my diploma of financial planning and i said oh you halfway through mechanic apprenticeship. Would you wanna do that. Oh it's not working out the way thought going to be dirty and fifty thousand dollars for the rest of my life cy. Maybe i should think about something else. So i said well i'd really love it if he could finish your apprenticeship But i don't have any issues with you. Stop studied starting study so we saw him outta studies diploma or financial. Planning and the next morning i received a fine coal. What are you doing mom so well. It's seven thirty on putting my face on like most think is often given my tools of vincent time and i'll let you knew that was going. He was softening the bar. He did said absolutely so then. He started hot talk with me while he was doing. His studies to in base roles like everybody swiping to flow is cleaning supplies washing up and starting on the fights and then yet my daughter eventually decided she coming into a bit of admin as well when my son decided he wanted to actually moving to the planning spicer yen the rest as they say is history
Unmasking a Killer
"Let's just start with a recap so far. We have covered. How him hubs best friend. Betsy furrier ended up murdered with fifty five stab wounds. Only five days after making pam hop her life insurance beneficiary. That's free is husband. Russ was tried for her murder and sentenced to life in prison without the possibility of parole after spending almost four years in prison. He successfully appealed for a new trial and was acquitted of all charges. I discussed the corruption ineptitude and basically the overall nefarious -ness of the police and prosecution when it came to his case. I mean seriously guys if there is this case doesn't make your blood boil. I don't even know what to tell you. I don't know what well it is trifling because this case is so complex with multiple ongoing arcs. We are actually going to backtrack a little bit for part three back to rest free first trial. If you recall right before russ's first trial which began on november eighteenth. Twenty thirteen police. Investigators interviewed pam multiple times. Because obviously she was the last person to see. Betsy makes sense. Police were aware of the life insurance policy change and questioned her about it a couple times. She was always immediately defensive and she ended up bringing up her mother. Shirley newman using her almost as defense as to why she had no motive for money. So here's a clip of pam hop from a july of twenty thirteen pretrial interview with police to moscow. My mom got an accident in and home. I really hate to say it wanted mind. My were half a million that i get when she dies. My mom is dementia. Doesn't have the time now. I am ledge person. But if i really wanted money wasn't easier way than trying to combat somebody gets saying shirley newman pam seventy eight year. Old mother died just four months after this interview on october. Thirty first of two thousand thirteen evening. Just two and a half weeks before russ ferreira's first trial. She had fallen off the railing from her third floor. Apartment in an upscale gated assisted living facility. There had been no witnesses and police deemed it an accident. Let's break down what happened. Shirley's husband and pam's father died in the year. Two thousand when she became unable to care for herself pam and her three siblings work together to get surely into the lake view. Park independent senior living community in fenton missouri. Pam would frequently visit her during the day on october. Twenty ninth twenty. Thirteen surely had a doctor's appointment pam transported her to the appointment and then surely spent the night at her house. Spending time with pam's family the next day. Roughly five pm pam and shirley arrived back at lake park pam instructed the facility staff not to expect her mom for either dinner or breakfast. She then left the next day on halloween at two thirty pm a housekeeper through surely newman dead. Underneath her third-floor balcony there was damage to the railing and she had fallen to her death after two police investigations. The saint louis county medical examiner's office deemed shirley newman's death as an accident. Shirley had died from blunt trauma to the chest from the fall and the medical examiner also found point eight four micrograms of zoll padam generic ambien in her blood. That's more than eight times. What someone her age and size should be taking but still it was ruled an accident. Even though a structural engineer said that there was absolutely zero away zero way. A woman of shirley newman's weight and height could've damage the six individual pieces of railing. Pam hop was the last person to see shirley alive. Yes she was never interviewed her siblings however had been even though they weren't even local to the area or present and hadn't seen their mother in quite a while in his first trial russ was convicted and sentenced to life in prison. Just a few weeks later. Shirley newman's death and pam's presence was never investigated and never considered moving on to january twenty fourteen as we talked about in part to the saint. Louis dispatch in k. t. v. I began a deep dive investigation into betsy for his death. Right after ross was initially convicted
"life insurance" Discussed on Earl Hall - Life Insurance Lead Generator
"Been taught to do it as you get a lead you buy a lead you call a lead you try and book an appointment. That's the whole thing but look the model in twenty twenty. One is really all about using human nature using technology in a way that people actually want to interact and literally do business with you. It is a game changer. With what's going on right now and because we had all this access to technology to social media shock even to a livestreams like this. There are things that need to be done differently today and eve. You're going to get on board or you're not but i'm telling you right now. If you're not utilizing social media and technology to become that sought after advisor to become that go to person that people literally want to hear and see. You're going to miss the game. You're going to miss the boat. One of the main things that i'm talking about is doing something like this. I went in scoured the youtube tubes right and was looking for life insurance agents that are actually creating youtube videos that are actually creating content To a very specific audience pertaining to the life insurance that. They're selling and wanna tell you what i found and i want you to go do this research on your own. Want you to see how powerful this can be. Because from the research that i did there are only a small number of life insurance agents that are taking advantage of the opportunity. This is a land. Grab creator youtube channel. Create a facebook page learn how to do livestreams learn how to create videos. Because i'm telling you this. When i saw the amount of engagement that these life insurance agents were getting there. Were actually talking directly to the client. Just like i'm talking directly to you now giving you information that you've sought out that you want that you want to continue to see to get from me so you look for information all the time on what it is that you wanna know about. Don't you think that people that are in need of life insurance that are in need of financial vehicles that are going to help them protect their families are going to help them protect their homes. Create a decent retirement for them. They are looking for this information but they won't find it from you but they're gonna find it from someone and if you're not in that spotlight if you're not on that camera or doing podcast or something along those lines in today's world you're gonna lose this old mindset of how we've been selling life insurance forever you're gonna lose to to the millennials coming up. I'm telling you this right. Now you're gonna lose to the millennials coming up because as soon as they. I mean genetics. I was born in nineteen sixty nine. I'm doing this right. This is the only reason that you know. I'm enjoying some popularity. Some of the different people that i'm able to meet an influence in get asked to come on different shows and things of that nature. But if you're not putting yourself out there as an authority and you are. You're in thirty on several different types of life. Insurance is that you sell. You need to be talking about that to a very specific audience on how they're going to be able to get that from you. You need to be educating this isn't about selling it's not. It's not about selling when i'm talking about creating content and creating videos i'm talking about. Educating i'm talking about disseminate information that is going to be useful and helpful to the audience. That will watch it. There is such an easy way now to build an audience up to get is on what it is that you're doing whether we're talking about youtube. Facebook linked in whatever it is there are ways that are so super simple to get is on what it is that you wanna present and build that no i trust factor not only in your own backyard. But i'm talking about across the world. I'm sorry about anywhere that you wanted develop influence if you wanna develop influence. Look you don't have to be perfect. Look i'm sitting here right now in a baseball cap because avalanche saved my head. I'm sitting here. You see the stubble. All i face. 'cause avin shaved this week. I've been super busy. But no one's looking at that. Everyone is looking at and listening to the content and the emotion and everything else. I'm putting behind what it is that. I'm saying you don't have to be picture perfect to do this. All you have to be is engaging in have something to say that's relevant to the audience that you're trying to bring in is any body picking up what i'm putting down right now cut. Leave me a comment or something you got. It's so funny but you guys. This industry is so quiet On things like this every now and then we'll get someone to pop in. Ask a question or a comment or whatever but it may be. I don't know maybe. I'm just magnanimous in just to engaging in you just don't think to type anything But who knows but the name of the game when it comes to becoming that sought after agent to becoming that trusted adviser. You've got to be putting something out there that people can engage in. This industry isn't going away. People are born every day so having new brand new life insurance clients is something that is never going away but as we continue to go into this social media age into this content creation age. I'm gonna tell you flat out. The person that creates the most content relevant content to a specific audience will win. You can continue to call and all that other kind of stuff which you know you're going to do but if you want to start building lasting impact on something that is going to be evergreen. Something that is going to be searchable. You need to think about creating youtube channel. Let me ask you this question. And i want you to pop this in the comments creating content. Is that something you want to learn more about is. Do you want to see the tools of the trade. Do you wanna see how i do this. Do you wanna know the gear and the equipment and the software that i used to create the content that i create so that you can then begin to see how you can create the content. Do you wanna know how to do that. And you can pop that into comments or chat or whatever whether you're watching me live or whether you're watching the rebroadcast completely. Fine so erica jackson. Thank you so much. Eric and i feel like i'm not alone. She says yes over on instagram instagram over on listening dan. Thank you so much. Erica for popping in definitely appreciate that. I'm developing a couple of different series. And the only way i'm going to produce any content is because i feel like you have an interest in it so yesterday. I asked about the scripts for doing some of the things that i do to sell directly over the phone. We asked about the questions that you need to actually be asking on your sales calls to really get to the crux of how it is that you're going to actually close the deal. So people want to understand according to yesterday's broadcast. They want understand how to do that. They want to know the questions to ask. So i'm putting all of that together for next week. I just asked if you wanna understand and know about content creation. One person so far has said yes. It's not a good chance that i'm probably going to make that content if no one finds it relevant right if that's not what you're interested in. I'm telling you right now though. Someone's going to be out if you don't understand how to start creating this content whether in livestreams videos or blogs or podcasts or whatever so hopefully in the in the recorded version of this They'll be more people to see this and they will say yes or no and i definitely want you to say if you want this content doing after. Tell me you want it. Because i'm not just flat out putting it out because that would mean i'm putting out content. That is irrelevant to my audience. And you don't want it. You see how that works right so look. There are a lot of difference Lot of different topics going to be covering through this channel. And i just want to think everyone that supported me. I wanna think everyone. That's following me on link. Dan on facebook Especially over on youtube and if you haven't subscribed you wanna make sure that you do subscribe to the channel very very important so look as i leave you guys for today. Look if you weren't interested in learning how to that doesn't interest you. Tell me what does this game since. Nineteen ninety four. I've got some stuff. You need to be picking my brain here so make sure that you do that and i definitely want to think of the tunings day. Make sure you took the description they can you check the links. I still on the screen as well. Though the sites life insurance legionary dot com. I wanna thank you so much for tuning into automated client attraction. This is the podcast. This is the video web series. That can be found everywhere. But more importantly it's the series is going to show you and teach you how to do the things you need to do in this millennium in order to really grow your life insurance agency. I know you've seen a lot of different things. I know you've heard a lot of different things like always say the proof is in the pudding. Look check out the links that are into description. Take advantage of every. That's there. Because i want you to see not only client testimony was not only exactly how the system works but how it's going to work for year. Click the links in the description. Now see on the next podcast..
"life insurance" Discussed on Earl Hall - Life Insurance Lead Generator
"Or not. Right detaching yourself from the sale right detaching yourself from the sale is vitally important because now you're focusing in on that client is this. Is this making sense. I want to know no is what i'm saying. Literally making sense. He right now. Put that in the comments for me. So i can see what you have to say about that. But when you are detached from the sale and you're not worried about the sale your exclusively worried about the client and having them make make the best decision and what this may mean. Is that the thing that you're presenting may not be the best decision for them that that carrier may not be the best care for them. But you don't even know if you're not asking these interview type questions you don't even know the literal end goal of why they want life insurance right you don't even know thanks for santa's it's making sense to yes. I appreciate that if you don't know what the goal is. How are you going to sell them anything. How are you going to offer them anything. When you literally don't know what the end goal is for them even getting life insurance you may be trying to present file expense but through conversation. You might understand that they actually need. You might understand that they need and i you well but if you don't do these interview type questions and you don't literally care what they want. You're not only going to miss out on opportunities right to make higher level sales. But you're not going to be giving the client what it is that they need someone. That is an expert at doing this. Like i am if i come in behind you. You get charged back. 'cause i'm gonna make sure the client gets exactly what they need within the budget that they can afford not thinking about what my commission is because it will work out anyway but when you literally understand that your number one job is to help that person. Make the best decision for themselves. You're already gonna sit yourself head and shoulders above most other life insurance agents out there that are just out there to make the commission that adjust out there to you. Know to make that money which obviously were out here to do that. But if you wanna stop all these chargebacks if you wanna stop other agents from coming in behind you and under selling your over salvin or whatever because literally listened to the client. Then you're going to have to effectively. Stop doing what you're doing and understand that you have to look at this from a completely different angle and if you don't start looking at it from the client perspective and actually caring about what it is that they need in what it is. They're saying they want and if you don't know their goals again how are you going to offer them anything. You just want stuff out where we can get to this. Get to this. You don't even know what they want. And so the name of the game especially at the beginning of the conversation is to make sure that you understand why they even bought you into the home. Why they've got you there. So comic came in for someone like me. Who was fairly new. Do you have a list of these interview questions coming up with that nickel. You asked that question i do. I'm going to be developing Probably by the weekend. I wanna put put together something very sustained so that you can follow this so wherever it is. You're washing me right now. Make sure that you're following me that you notifications are on So that you get notified as soon as i go live so wherever you're watching while you watch our facebook make sure that she notifications are on so that you know when i'm going live so that you get to get that stuff but yes i definitely want to be. I will be producing that stuff later. This week I'm even gonna probably within the next couple of weeks. I'm going to produce a live video. Or i should say a recorded video because one of the things. I'm not even gonna get into that because that's going deeper into the sales process. It's going into setting up landing pages and creating videos. There's a lot of stuff that i've got coming up. And i've got in my handy. Dandy notebook like dora the explorer so crazy that i've got coming up so definitely those types of things coming so the number one job that you have as a life. Insurance agent is to make the. Make sure that that person you're talking to. You is making the best decision for themselves and if you do that everything else will fall into place. Thanks for tuning in today. Even if kissed the the rebroadcast of the recorded version. Go ahead shoot me over comment. And i'll take your questions. I'll see you tomorrow. I wanna thank you so much for tuning into automated client version. This is the podcast this the video web series that can be found everywhere but more importantly it's the series is going to show you and teach you how to do the things you need to do in this millennium in order to really grow your life insurance agency. I know you've seen a lot of different things. I know you've heard a lot of different things like always say the proof is in the pudding. Look check out the links that ended description. Take advantage of everything. That's there because i want you to see not only client testimonials not only exactly how the system works. But how it's going to work for clinton the description and i'll see on the next podcast..
"life insurance" Discussed on Earl Hall - Life Insurance Lead Generator
"But there's things you know that will probably work better or in tandem with what it is that you're doing so i'm excited about tonight again. It's going to be seven. Pm eastern standard time. Go ahead if you don't have the app download. The app called clubhouse follow me At a hall tonight at seven pm eastern standard time. I'm going to be doing a live session where we're going to be able to talk to each other again. It's not on camera. It's strictly audio. Just open up the app on your phone if you wanna say something. You've got a question you've got comment. You simply press the hand button to raise your hand. I bring you on and we have a conversation. I mean a real one about what's going on. I know so many times may be hard to get in touch with like your up line or your up lines up line or just get help. But when you've got a question and you want an answer. That's why i'm loving what's going on at clubhouse. This will be my first broadcasted. I do want clubhouse i've been participating in other what they call rooms and contributing there and it's been a great thing to experience so what i wanted to do. I want to join me tonight seven. Pm eastern standard time on clubhouse download. The app follow me in the description of this livestream that i'm doing right now. You can click the link to go ahead and make sure that you get notified as soon as i start that broadcast on clubhouse in just you'll let yourself no hey earls on. I got some questions. I want to get some answers to. I'm frustrated. i wanna get clear on some things. I want to make some more sales all of that. So we're going to be able to dig in really do that and i'll be able to provide so much more value. I'm still going to be doing my life every day. But i want to be able to interact or have you have the to interact with me or just listen in because if one person has a question it means that so many others probably have that same question as well so basically what i wanna do i want. Where's this here. is this it. Yup that's it. That's my ultra music. I wanna make sure that you go ahead. Check the links in the description. Everything is there download the clubhouse out. I wanna get your questions in rolling engage with you on tonight seven. Pm eastern standard time. Make sure you give me a thumbs up. Now see you tonight on clubhouse right i want to thank you so much for tuning in to automated client attraction. This is the podcast. This is the video web series that can be found everywhere but more importantly it's the series this going to show you and teach you how to do the things you need to do in this millennium in order to really grow your life insurance agency. I know you've seen a lot of different things. I know you've heard a lot of different things. Like always say the poof is in the pudding. Look check out the links that linda description take advantage of everything. That's there because i want you to see not only client testimonials not only exactly how the system works but how it's going to work for year. Click the links in the description. And i'll see you on the next podcast..
"life insurance" Discussed on Earl Hall - Life Insurance Lead Generator
"To make sure that you tune in each. And every day. I come to you monday through friday with these livestreams. And we're going to be getting into what i call the science of selling life insurance. There are so many different modalities. There are so many different rules of thought. If you wanna take it that way in regards to how things should be done but the only thing that matters is results at the end of the day what you're doing is it producing the results that you want right. Is it going to allow you to accomplish the goals that you have six months to a year from now. Are you going to be able to do this thing in a manner that is going to not only help you take care of your families that you're trying to protect but also generating income that you need for your own family. Let's just be real We love doing what we do. But at the end of the day we've got to support our own families. So it's one of the caveat caveats that is out there that just needs to be considered doing these livestreams every day for the past couple of months or so has been really fun for me and they will continue but what i realize is that i want to make sure that there's more that you can get from me. And so when i talk about the science of how to sell life insurance we're talking about the whole gamut. You know from lead generation to marketing and sales to you know sales calls to sits inside of homes to selling over the phone. There's a lot that's involved and so many times you need to start understanding where this whole thing is really broken at. Where is you know. are you leads. Good you know are your appointment. Setting skills good is your in homer over the phone sales good. It's like when you start breaking this down. You can start seeing where things are broken. And so what i realize is even though i do these livestreams everyday and you can post your comments and all all of that kind of great stuff. There's really not a strong back and forth right where you can literally ask me questions. I mean i've was first licensed in life and health back in nineteen ninety four. I've got a plethora of information when it comes down to sales and marketing when it comes down to how to develop clients how to develop leads. You know whether it's paid or or whether it's organic how to do the appointments the style that it needs to be done in the the scripts that needs to be used. And i say scripts loosely. Because really what i'm talking about is bullet points that you need to make sure that you cover is really what it comes down to is an important is what you're doing when you're sitting in front of someone or when you have them on zoom session or when you're speaking to them over the phone their skill sets hitter needed and just because you have a life insurance license doesn't mean you know how to sell it doesn't mean you know how to do the sales calls it doesn't mean you know how to do the marketing so even though you may understand you know a tremendous amount about your carriers about the plans that they offer and things of that nature. You think that's going to be the thing that gets you over. It's not the thing that's going to get you. Over is understanding the science of how to do this human nature. Why people make the decision to buy why they opted to even have you come to the house or have them give you a call or have you give them a call or whatever it may be and you don't understand the psychology and science of how to sell life insurance. It may be one of the things that is causing you to not reach the level that you need to reach. So you're going to notice that the bottom of the screen say join me on clubhouse my Law not logging. My username is at a hall. You can look up on. Because what i'm going to start doing so that these types of things i'm doing right now like coming to you on a livestream. There's really not much engagement. You can leave comments or whatever. And i can answer questions shore but there's not an interaction and so what i decided to do. I i signed up for clubhouse and the lincoln the description. I'm doing a live session seven. Pm eastern standard time tonight. We're going to be digging into for a long time. The science of how to sell life insurance with clubhouse in v haven't heard about it. I mean anyone that's on. have you heard of clubhouse. Yes i jeffrey jeffreys. Here he's like clubhouses. The way to go definitely jeffrey with using clubhouse if again. I'm doing a live broadcast tonight seven. Pm eastern standard. Yeah connecting life in property and casualty. Okay great awesomeness so tonight seven. Pm eastern standard. Time and want to be on clubhouse. In the reason that i'm going to be on clubhouse is because not only. Do i get to do what i do here every day. And and kind of talk to you but with clubhouse you to talk back to me so it only works on. It only works on on. Unfortunately it may. I don't know if it's come out with android yet at people were saying it wasn't on android you'd have to kind of go to the app store. See if club houses there and if it's there in your apps store that you can have it but i know it's available fully on for everyone that uses an iphone and the interaction on clubhouse is amazing. It's not video. it's completely audio. Based all you have to do is just opened up on your your phone and you can raise your hand. And then based i can just bring you in and we can talk. We can have that conversation about what you're struggling with. We could have a real conversation about what's going on in the field. What's going on with your marketing. What's going on with your scripts. What's going on with the whole as saying the science of selling life insurance because it is more than just getting a license. It is more than just understanding your carriers and the prescription drugs and the data all the stuff that goes along with that and it's great you gotta know that stuff but at the end of the day when you make a sale. There's a science to this and so many people don't understand it. You may think there isn't but i'm here to tell you and you can look at based on your on results. Are your results. Good the way that you're doing if you're good with what you're doing is great right. You've you've got it nailed down. You're making the money that you wanna make You're reaching all of your sales goals. You're getting all the leaderboards if that's the case you're good you don't need me at all but if you're not there if you're struggling i wanna help as i said before when i came onto the program it's like i was first licensed in life and health back in nineteen ninety-four you know i'll be fifty two years old this year. I've got extensive amount of experience. Not only just in life insurance but also hold a degree in marketing. One of the things that i've done over the years is really how to market a line whether we're talking paid advertising or whether we're talking Organic means free means to be able to do this. There are all lot of things that life insurance agents are not taking advantage of. That can be an extensive. And i mean a real game changer on what it is that you're doing in your business whether we're talking about your personal sales and specially when we get to talking about building a team. There's things you need to be doing that. You probably haven't even heard of because no one talks about them. Depending on the agency i m o f. Fm all or whatever that you're with they have kind of a this is what we do. This is how we build a business. And so you get blinders. Put on and that's all you ever think about or that's all you ever considered doing and so then you don't even know how to think outside the box to really get some things done. I think that what you're doing currently is wrong..
A highlight from S6 E3 - What is VA Solid Start?
"Welcome to we serve now. What were we seek to answer. The questions. veterans and their families are already asking that stays question is about a relatively new. Va program called va solid. Start and on today's show. We'll be answering all your questions about this program. What is it. who's it four. What's the goal of the program who's eligible and perhaps most importantly the actions that you need to take to not only take advantage of this program but also to take advantage of ball. The va benefits that you've earned through your military service. And i thought who better to answer this question than the person who came up with the program. So some of you may have heard of dr paul lawrence who is the head of the veterans benefits administration. Well his second. Command is a lady by the name of margarita devlin and she is an absolute well of knowledge. Not just from the. Va solid start program. But about so much more as well hello. My name is aaron perkins. I'm a. Us army combat veteran husband to a beautiful wife. Father to two amazing kiddos on the author of resolve a step by step guide. That takes you the veteran through the journey of rediscovering purpose. Meaning and passion in your life after you've left the military and if you hadn't guessed on the host of this podcast and when we come back my special guest will be here so sit back. Relax and enjoy my conversation with margarita. Devlin who am i. Why am i still here. How can i uncover who. I was meant to be during my own transition from the. Us army the wounds of war especially those not visible continued to plague my through the pain of job loss of ptsd diagnosis at crippling anxiety by finally discovered the reason. I'm here on the earth. And i knew i couldn't keep it to myself so i wrote a book. Simply titled result. Resolved is a book that has one apologetically faith-based a step by step guide designed for maximum effectiveness in the context of a small group of other veterans resolve provides veterans everywhere with the tool to help you step into your new life a life full hope purpose and vision for the future to pick up your copy of resolve head over to courage to fight again dot com. That's courage to fight again dot com. Well i am here with margarita. Devlin and i just want to take a minute to thank you margarita for being here on the show. This is going to be so so great. I'm super excited about it. But i want to take a minute just to kind of introduce you. And i don't want to steal your thunder because i'm going to give you a chance to introduce yourself as well but margarita devlin. She is the principal secretary for benefits in the department of veterans affairs. She's held that position since may of two thousand eighteen. Now that title in itself obviously a mouthful right. But i will let you. Margarita explained what your role is and all of that and kind of dive into a little bit more for listeners. Basically she second in command at veterans benefits administration so veterans benefits administration. Va that's your va. Va home loan disability compensation of oak rehab life insurance transition assistance and speaking of transition assistance marguerita has a lot of different advancements in military to civilian transition and also suicide prevention to include. What we're talking about today and that is the. Va solid start program so margarita. It is so good to have you. I just want you to want you to take a few minutes and introduce yourself but is so great to have you here. Welcome to we served now. What inky so much. It's really my pleasure to be here. Thank you for inviting me to be on this podcast And i guess what. I areas like to tell people as i've been in the va for twenty five years It's my passion to serve veterans in in various different roles throughout my career. i'm also mom of inactivity serving marine And also the mom of a college student Dad was a navy veteran brother served in the army so Military family close very close to my heart this mission so really happy to be here and talk about the solid start program haas of also weived definitely excited to have you and again on this show. We do our best to answer the questions that veterans and their family members are already asking and one of those questions is what is the. Va solid start programming. And that's question. Maybe we can just lead off with that. What is the. Va solid start program. Absolutely i'm happy to just dive right into that. so solid. The solid start program is really part of the military to civilian transition journey. That really looks at the fact. That transition does not end when you get the d. to fourteen at the end of your military service in fact those of you who have served you know this right. That's really when everything starts to actually happen and no amount of preparation With the military can really prepare you for what what your situation is gonna be like after we heard this from veterans so this program really seeks to connect with veterans in that first year after separation starting at about three months and then we follow up beginning six months in a year and it really is an opportunity for us to start out with. How is it going for you. How's your transition going. How're you doing what's going on in your life. What are you worrying about. And really letting the veteran drive the conversation about what he or she needs the moment how it's going and then our agents are very well trained to pick up on those cues from that conversation and provide that veteran with specific resources in guidance on how to continue their transition in the most successful manner. Possible that is that is huge. I remember. I remember when i got out at the end of two thousand fourteen. It was a kind of a drinking from the fire hose. Except i didn't even know what i was supposed to be drinking. You know it's like hey here's a bunch of benefits you might be eligible for good luck and so it's funny so we started this podcast in the summer of two thousand eighteen and it wasn't until i started this podcast and started doing some research that i learned about more benefits. I could've taken advantage of when i first got out. You know four years prior and so the fact that this this solid start program is tackling that specific issue. I think is great. So what what. Problems specifically is the program trying to solve will it is really a suicide prevention initiative and it came from the fact that we heard from veterans. That sort of felt like all the services and support sorta stopped When they separated from the military and because it was like drinking from a fire hose. They really didn't know where to go to do And who to connect to and it was really difficult for. Va to connect with veterans who were not engaging with our with our systems already so we entered into this agreement with department of defense and homeland. Security is coastguard is under homeland security to get data feet of all the military members when they were separating so that we can start those phone calls so that we can call everybody and by the way we do call everybody that we have information for that includes regardless of character discharge We will call these veterans and we will make sure that they get connected to services and resources that are that are specific to their needs so again suicide prevention. We recognize that. There is a a real. There's a reality about transition stress Which is very different than what you might think about with clinical rate with post traumatic stress disorder. Which is a clinical diagnoses Comes with its own required treatment in the mental health arena. But this is just It's stress around. All the life changes that happened with transition. And what you said you know sometimes they. You're hearing so much about so many benefits while you're in the process of separating that when you get out you might not realize that you didn't take advantage of all of them right right. That is so true. That is so true. So so the the tap program transition assistance program or the army's version i think is a cap or something. It is this part of that is essential that the tap program still exist. How does it factor into all that. They're they're connected. They're two separate things but connectors so the transition. Assistance program does still exist Dod really owns and operates. Don on any of the military services of course puts their own branding on their part of the program via has an entire day where we come in and we teach about. Va benefits was really great. We were able to get it to a full day. Always didn't always look like that but even in that full day where we teach it's really It's a classroom experience right so you're Before covid you were in a room with twenty twenty five other service members and as much as we try to make it engaging and make sure that the servicemember can tie all the benefits to their own personal situation using interactive workbook. All of those things. It still was a classroom experience. A not individual not one on one We do still have benefit visor. Available for one on one support with and they. They advertise that during the class. Now when we went into the code environment we go to virtual So we we are still pretty much in the virtual environment. We've we've started working on getting a little bit more in person presence with tap classes but of course as you can imagine Safety is the number one concern And so we think about this way. Transition assistance program is about teaching. You what you might need to know and getting you prepared in the right mindset for transition. Solid start is like okay. Now we're gonna talk to you after this happened after you got out of the military to see. How are you doing ended. All that stuff makes sense. What questions do you still have. And it's one on one so rather than having to listen to what everybody has to listen to if you already have a job and that's not your concern or you're already in college and using your education benefits that's not your concern but maybe you need to get into a medical appointment. You don't know how to navigate. That will work with you on justice. If that's what you need is maybe you have issues with your children. You need some some other resources. We have access to information about state department of veterans affairs benefits that can sometimes filling gaps were. Va can't Provide a service to really is personalized the comments we hear from veterans. I know you've been seeking feedback from veterans. As well is that they're surprised that va's calling and they're so thankful for it because they were maybe not sure who to call her how to ask about a particular benefit so it's been really interesting seeing the positive reaction from our veteran community. Absolutely and you know. I think that you know this is my opinion. You based on my own experience and the experience of know friends and other veterans who gone through the transition systems program. There are getting ready to get that to you to fourteen right. So all of those briefings. I shouldn't say all but a lot of those briefings are at least in the transitioning servicemembers. Mind it's it's a check the block it's like all right. Let me just get through this thing. So i can go home. Take off this uniform for the final time and get on with my life so the fact that you're contacting them throughout that first year i think they're going to be a whole lot more receptive to hearing. What the benefits are. Because it's not like you're not keeping them from you know from going home you know. You're not you're not saying. Hey you have to be here. This is your place of duty right now. So you mentioned covid nineteen and a lot of things have gone. virtual has there been any other impacts to the program. I know the program still pretty new but have there been any other impacts of the program as a result of the pandemic like are you behind or ahead or anything like that. A solid start actually was in a great position to react effectively to the covid nineteen situation. All of our agents were telework ready and all of our equipment works from telework standpoint. So they haven't skipped a beat they are not behind. They are on target When we first created the program we weren't sure what kind of response we were gonna get so when we created the program We we have to have a performance measure right so we said well. How many people do we really going to answer. The phone won't va calls. You know think about yourself right if your cell phone rings and you don't recognize the number what's the chance you're gonna answer it. Probably not your let it. Go to voicemail right. And if that person's important deli new message so we kinda thought we might get that sort of a reaction so we kinda started. Set the bar low. We said fifteen percent our goal was fifteen one. Five fifteen percent of veterans we reached out to we would be able to actually engage with. They would answer the phone and engage with our with our representatives. It's been just phenomenal. The actual result actually have your with me the december twenty twenty report since we began the program. We have reached over. Eighty seven thousand veterans and the fiscal year. Twenty twenty today fifty seven point. Five percent have responded and engaged. Yeah i know it's it's been just an incredible Response and we also prioritize veterans. Who we know from the information from dod if a veteran had mental health appointment In that last year of service before they left the military prioritize them and we also know that for that population. We need to make sure we get them connected into. Va healthcare and with that sub population. The percents even higher seventy three point. Six percent have responded to our agents and our end have engaged with them on the phone. Wow that is really really great. How surprised were you at the at the numbers when he finally saw them. In the beginning. I was very surprised. And then you know we had a town hall with are Representatives the ones who are actually making the call and it was really interesting. Many of them are veterans themselves. Some of them are you were military spouses. And some of them even used to work in the tap program and and they're so passionate about their work and they're always submitting new ideas about how to improve the program here in the anecdotes That they shared with me about what some of these veterans were telling them and how grateful they were for this phone call. One thing we do is we did put it on the caller. Id so in most with most cellular services You you'll it'll save veterans affairs on your phone so you kind of notes the. Va calling so kind of helps to increase the the response rate but yeah. It's it's been an amazing response for veteran for so happy that this program is reaching them in making impact. Yeah definitely that's great. That's great so. Va solid start. It's for those who are basically brand new to the civilian world right so for those of us like myself and a lot of our listeners who are not newly separated what resources are available for us for helping us understand available that that we can take advantage of so a couple things you're right. Solid start is for those that are recently separated so for veterans of any era. Were here for you as well. And you know i always. I'm always very sensitive to that that you know if you Or vietnam era veteran. We care about you. We want you to call us if you if you never got connected to your benefits. Please call us and we will walk you through. There's a main toll free number which is one eight hundred eight two seven one thousand and that is our main call centre. Those agents are trained across the entire portfolio benefits as well and they will help you identify. What eligibilities you might have In the benefit side and they can even connect you to healthcare If you if you haven't signed up for your healthcare so they can. They can kind of connect you regardless of when you got out of the military And if you are a veteran that just got out in the last year and you haven't gotten your solid start call. I say the information we get from dod his last information we had about the servicemember. Sometimes people change their phone number They changed their email address. We do try and reach out by email First before we make that first phone call so call us. And if you're in that last in the first year after separation just asked to be transferred to the solid start program very cool very cool and you just taught me something with this eight hundred numbers at eight hundred eighty two seven one thousand right cracked. Okay so i could you know after we finish this conversation i could off here. I could call that number and find out the benefits that i'm eligible for. Maybe i'm not taking advantage of. Yes and really. What what they're gonna do is they're going to ask you some questions. What type of benefit are you thinking about. you know. and because we haven't education call center so if you said hey. I'm really wondering if i'm if i'm eligible for the gi bill. They'll transferred to gi bill experts. Right if you say well. i'm really kind of thinking. What kind of employment types of benefits or what about disability benefits So you know they'll help you with those benefits. It's a little bit different than solid. Start in that There are more got react to what you're needing in the moment whereas are solid start agents are trained to sort of prompt And get information out of the veteran to help navigate the whole suite of benefits they might be entitled to and i also wanna say your state department of veterans affairs. They have offices in in different states. We have regional offices. One day hopefully will be able to meet in person again. But in addition there's the veterans service organizations in. They're out there to help. There's a lot of resources but yes feel free to call us. Anybody listening to podcasts. Give us a call one. Eight hundred eighty two seven one thousand and we'll try and get you connected to your benefits above love it and so speaking of benefits and this is it's kind of a curiosity question. I guess what is the most overlooked benefit that veterans typically. Don't take advantage. There's a couple and we actually make it a point to focus on these in the beginning They're time sensitive so one thing for example is life insurance benefits. There is a time limit on when you can convert your service group. Life insurance to veteran group life insurance. And if you don't do in that timeline you kind of miss the opportunity It's about a year and a half out from from when you leave the military so We tell them always about life insurance and that's always kind of a tricky thing right. Nobody ever wants to think about end of life. Especially you know you. A young twenty five year old veteran and twenty six year old. And they're thinking while life insurance okay. You know if they're single and they don't have a a spouse children they might not be thinking about it so we want to make sure they understand the value of having that life insurance policy and so that they make an informed decision potentially to take advantage of it another one is dental care the eligibility for dental care which is time limited in a lot of veterans miss out on that because they don't fully understand it so there's a couple of the ones that we know are are critical sensitive And honestly we've heard some some of our veterans who say they didn't file for disability benefits. Because they didn't feel like they should take that benefit away from another veteran so we do spend some time explaining that they don't take benefit from another veteran. It's a it's a mandatory benefit. Were any veteran. Who's eligible for the benefit and it also opens up the door for healthcare. And you know if you're young and strong now but but you know that you had injuries orthopedic injuries for example. But you're okay and you can kind of deal with the pain right now. Well one day you're going to need healthcare it might worsen You know this is. This is not a handout. It is an investment in that veteran. Making sure that they can stay strong and half the care that they need to to For the rest of their life if needed sure sure so that is some really really great information. But it's not every day that i get to to the principal. Deputy undersecretary for benefits at the veterans benefits administration or being translated. Second command right. So i have a couple of questions that they're they're along the lines of transition but not solid start specific right sure all right so one thing that i'm incredibly passionate about is helping veterans rediscovery since of purpose and meaning after the military and so finding that sense of purpose in that sense of meaning after military service is. It's really the single most challenging part of a chat challenging part of the transition and so one question. I wanted to ask you is how does the. Va help with this aspect of post military life. It's interesting that you bring that up because our research also validates that is one of the biggest challenges. In fact we did. We just started last year. A post-separation study of veterans. Who went through the top programme while they were in uniform to kind of see the retrospective look right. Because it's one thing we can really high marks in the classroom right there. The ninety six percent are highly satisfied with our tap class. But what we wanna do is wait to your veteran in the naski. Look back on and say okay now. How well prepared did you feel you were and we also bounce that against data to see are they employed you know are they using our benefits and we ask them for information about how they're doing so in that study we found the open comments that we got from veterans were very much around that loss of sense of camaraderie. That loss of sort of feeling that you're part of a community unit cohesion that you had the military you don't have that in communities today And just that that loss of sense of purpose and mission so we're just now starting to lean in to explore how the can help with that. We can't solve the problem ourselves right because we're not going to be that sense of community for them but we can connect them and we've been engaging with a lot of organizations nonprofits and via so organizations that provide that connectivity that sense of community in that sense of mission And we're starting those conversations to say. How do we infuse that into the solid. Start program so that we can start connecting veterans in a different way to give them that sense of community. they're looking for. It's really going to involve have to involve a partnership model via. Can't do this alone. Sure sure on love the fact that that the va is realizing this and is like you said leaning into that so now this is a this next question for you is potentially a touchy question. But i don't need to tell you that. A lot of veterans are like. I don't like the va about experience for those veterans who have had that experience or they're just like man. I've heard so many bad things. I don't even wanna try it you know. It's probably not worth the hassle. What what would you say to them if they were if they were asking like. Okay what should i do. Should i do anything. What would you say to them right now. A couple of things first of all. I wanna say avenues. Cells and good news typically unfortunately does not get the same kind of traction. There are so many good news stories out there. And if you look for them you'll see them. I would say comback triumphs again. It's not the same. va that. It was a few years ago. We have come such a long way in the healthcare system with the hospitals in the end the outpatient clinics in our regional offices are outreach is is so much different and we understand better how to improve the experience for our veterans. So i would say it's been a couple of years maybe had a bad experience comeback to us get another chance and if your experience is not absolutely stellar fabulous edit. It doesn't make you turn around your opinion of va. Reach out to us. And i would say in the healthcare system. We have Advocates in every medical center. Go talk to the patient advocate. Tell them about your experience. Let us change something. If there's something specific that's not quite right. Sitting in our via regional office asked to speak to the leadership team. We have lead dan so hard on getting feedback from veterans and making changes across the entire enterprise. It's it's just not the same. Please try again in comeback. That's what i would say. Sure sure so of just just anecdotally right so my family. And i we live in alabama and so my closest a regional center is in birmingham. And so you know i. I've been there a lot over the past few years. And when i compare the service and the facilities and everything like that to a to a more local hospital more local medical facility. It is night and day difference. I mean bring. Va clinic is just top of the line. So it it is really an and again. I know everyone is different but it even from. When i used to go to the va we lived in texas to go into the va. Here it is. There's so many positive changes that have been made in at so honestly i'm really really happy with with the facilities and the care receive and everything like that so glad to hear that. Yeah absolutely absolutely so what's a big takeaway here right. So what does something. All veterans and newly separated veterans or. Otherwise what should they really remember from our conversation. Today i would say remember that. Va is here for you We probably have a benefit or a service that you might not have been aware of And we wanna be there. We want to be partners in your military civilian transition. We want to be partners in your life and help you with any issues that you might have. We're not the answer for everything But we also have connections with community resources and just reach out to us if if you need anything don't try and go it alone and again if if you had a bad experience in the past comeback to us i promise you it should be a much better experience now and like i said if there's anything you encounter that that you have an issue with let us know we're here to be part of it. I mean my personal story. My brother who is an army veteran wouldn't go to the. Va for the longest time. I finally got him to go and he's been so thrilled he was. He calls me up and he's like says they're offering me services that i didn't even ask for. They're they're doing this. They're doing that. And i said yes. That's what we call wraparound services when you come into a va. We are not just looking at the problem that you presented with. We're gonna ask you how else we can help you. And he's been so impressed with that. He wishes he would start in the. Va system a long time ago. It really is We've really made some great advances. So please come see as awesome awesome so here on the show. We like to give our listeners. Some practical next step. So when this podcast finishes playing what should they. Do you know the context of our conversation today. What should they do because today's question is. Hey what's the. Va solid start program. And obviously you've answered that more than we could ever imagine and in so having you on the show has been just absolutely outstanding but what should their next steps be right after listening to this podcast. I would say if you're curious about the benefits and services we offer You might try to going to our website. Www dot va dot gov easy to remember And when you go to. Va dot gov. You'll see sort of things grouped into logical sort of life domain issue. So you'll be able to kind of navigating see. Wow you know what is what does the. Va half for me. And then you can actually apply for many of our programs online. Some of them Were still working on getting online. But you get the application online so that would be one thing and then if you just don't wanna talk to somebody some full more comfortable calling on the phone and talking to somebody call that number i gave earlier one eight hundred eight two seven. One thousand You know we're here for you. Take that step. Check us out If you're already enrolled in one of our programs you know good on you but there might be something else that he don't know about so check us out. Sure well margarita. Devlin this has been so so rate again. You have answered the question. What is the a solid star program. Frankly answered a whole lot more questions as well. So thank you so so so much for coming on serve now. What really enjoyed having him my pleasure and thank you for what you're doing to. It's really important work. I hope you've enjoyed my conversation with margarita devlin. So what are your questions recorded voice memo on your phone and send it to podcast at courage to fight again dot com or joined the post nine eleven veterans and families facebook group. And post your question there. We all have a lot of questions but the most important question we can ask ourselves is this have. I accepted the forgiveness of sins. That only comes through faith in jesus. Christ we'll i'll see you right back here. Two weeks from day and the nixed veteran question. We'll be asking is this. How do i use my post nine. Eleven gi bill. Well until next time. Thanks for listening. We serve now. What is a production of courage to fight again.
"life insurance" Discussed on Earl Hall - Life Insurance Lead Generator
"Up here at johnson consulting dot com but he leroy was awarded and he got to speak on stage. Do some training about how we do how he does what he does in regards to acquiring more agents and being able to help them and help himself build a team and help them build a team as well but through all the ages that i talked to every week you know team building is one of the things that always comes up. But it amazes me with some of the agents from some of these different agencies and i m os at are out here. Some of the ways that they're going about doing some of these things they're doing is beyond me. They join agency and their agency. Basically focuses them in on recruiting. They've never sold life insurance danner life. But that agency wants them to go out and recruit and then when they recruit someone. The first thing that those recruits need to do is to purchase a life insurance policy from that agency. This is like wacko to me. It's it's wacko and that's the entire model. It's not even a model of getting into selling life insurance. It's a model of let's just recruits more people and have them by the insurance unless recruits. Let's have them recruit people and have those people buy insurance until they're heavy on warm market and going directly to your family and friends you know and as always say aunts and uncles g half. But here's the challenge. I see with that. And why i say. This is so wacko. How in the world are you going to recruit someone into an agency and you've done nothing yourself. It's like being a fitness instructor telling people you can help them lose fifty pounds and euros one hundred and fifty pounds overweight. You have no proof that this is possible. How are you going to recruit people telling them about the enormous amount of money that they can make by becoming a life insurance agent. But you have no proof of this. You haven't done this yourself. But when it comes to recruiting the number one way to recruit is to have done it yourself period again. If i'm a weight loss coach and i'm fifty or one hundred pounds overweight and i'm telling you i can show you how to lose one hundred pounds but i still have mine People may not want to folly a hope. This is making sense so stay tuned. Because i got more common but when you have actually done the thing that you're trying to recruit people to do when they can see the money that you make in in in here's one of the things in off really tell people this look if someone is trying to recruit you into a life insurance agency and their you know you're independent the i'm not talking about captive agents or anything like that but maybe before the captive agents what you want to see.
"life insurance" Discussed on Earl Hall - Life Insurance Lead Generator
"Get burnt out doing this map right. So that's what you every time you smile every time. I say that is so great because you can't get burnt out this way but you can keep seven hundred and in grinding grit. It out stressed in. Yeah in three months so this is this is simply phenomenal. And i'm hoping you're paying attention. Obviously you can go back and watch us again on the replay but these are clients. These are recent clients. That are working with us. I've even got more to share because we one of the things in our program that we do is we talk to our clients on a live. Zoom call twice a week. Every monday and thursday to make sure they're getting this thing done to make sure that they're getting the results because the only thing anyone is interested in is results. If you can get results it makes it of no value to you. That's why you're going out and spending thousands of dollars every week every month. Almost fifty thousand or more a year on buying brand new facebook leads lead vendor with no guarantee with no assurance that it's even gonna work. You already know how it's working because it's not working for you. You're spending money hand over fist. Because someone is telling you that that's what you're supposed to do. Stop the madness. We have the answer. And i can say that confidently in. It's also why we have a money back guarantee for what it is that we do. No one else in the industry is ever gonna few that. We're the only ones that will because we know what we have works. Take a listen to some snippets of Our recent rainmaker call. That happened just this past monday. Let's see us. Scott scott brooklyn's you can meet yourself and ask your question or make your statement. How you doing scott. I'm doing well. What you want amazing amaz him. Hey i just wanted to share. I don't really have a question so figuring this out but in going to the next level but just wanted to say i did Think it was. Friday post my own personal facebook ads. You know the same copy just my whole story and picture and it just getting hits like crazy compared to even the other one. So isn't that amazing. You d do you understand why because it's personalized exactly a little bit of me even on the head you hit the nail right on the head and go ahead and yourself and ask you a question. Make your comment well. I don't have any questions. But i will say that About a week ago on my in my ads manager my facebook. A page are Calendar wasn't working. And i went and checked it out and found out that was getting an error message and we got an errand. We fixed it and ever since. Then it's been kind of fun watching it and So what he good fun. That sounds good. Yeah folks have been signing up. And i have nothing but but Just every bit of gratitude for being part of this in so far for the month of january well over eleven thousand dollars in ap. Oh my gosh. I wish i had like a hand. Clap sound these. These results that we're getting for our clients are utterly phenomenal. And they happen over and over and over again every single we call them. The rainmaker calls are attracting unlimited. Millionare's community we do this for our clients. Like i said twice a week and you can hear the excitement of their voice. You can see that. They've gone from something that hadn't worked to something that does work so the question. Why wednesday today. Why are you still doing things the way you're doing them. That are not producing you. The results like you've seen in this episode of of automated klein. Attraction this podcast. You're seeing the results that people are getting in our program and it's because digging in they're doing the work it's because they have the confidence to know that everything that they're doing in this program is going to get them to exactly where it is that they want to be going to cover more families going to protect more people and they're going to be able to make a stupid amount of revenue for their own businesses and for their own families to able to take care of them as well. So if you're stuck in your struggling your in this life insurance thing you're selling file expense you're selling. Ul's we're here for you to make sure that you get the results that you need. I wanna say that very clearly. We want to make sure that you get the results. You're looking for. Because as as i said at the beginning of this. The only thing that people are interested in results. That's all interested in you not interested in another scam scheme or even a strategy or tactic. You're interested in results. Are people in our program life insurance agents just like you. They get results. This is the only industry servers is the only industry that we work in. And we're the only people in this industry offer you a money back guarantee text right here. Text the word agent to this number right. Now get the information. You need to see exactly how it is that we can help you. I'll see you on the next podcast. I wanna thank you so much for tuning into automated client attraction. This is the podcast. The video web series that can be found everywhere. But more importantly it's the series is going to show you and teach you how to do the things you need to do in this millennium in order to really grow your life insurance agency. I know you've seen a lot of different things. I know you've heard a lot of different things. Like i always say. The proof is in the pudding. Look check out the links that are ended description. Taken care of everything. That's there because i want you to see not only client testimony was not only exactly how the system works but how it's going to work for year. Put the links in the description. I'll see on the next podcast..
"life insurance" Discussed on Earl Hall - Life Insurance Lead Generator
"Sure. So what i would say Is if they are looking for a way to be more productive with their time if they're looking to stay ahead of the curve Because if twenty twenty has taught us anything else. It's taught us dead. Look it changes. It's inevitable ray. And so we have to keep abreast and there are people out there that need us so just because there's a virus or something that comes about. The city shuts down this bend the third. We still have to find a way to get these people insured. They're coming to us. You know this is. This is a way i mean. This can work while you're sleeping. It can work while you're with another kind I would say you know definitely you know. Sign up for the program. It's been very beneficial to meet this. I couldn't see it Being the any other way going forward. I'm very pleased. So far in I'm.
"life insurance" Discussed on Earl Hall - Life Insurance Lead Generator
"Hello everyone welcome little bit far over. Welcome into the livestream today. So glad to have you here with me look. Aren't you tired of seeing people just blow by you because they're using strategies that are better than yours. Let's talk about it as a life. Insurance agent having of predictable system online in place is the key to getting time freedom and financial freedom. All right everyone. Welcome into automated client attraction. Got a doozy for you today. You know wednesdays. I discuss things that have to do with a why. Why are we doing things that we're doing. Why are we even selling life insurance. Why are we using the strategies that we're using and even boiling down to what is your. Why what's the real thing that you want to convey in regards to why it is. You're even selling life insurance so what we're gonna do. I've got some clips. i wanna share with you. These are brand new clips coming straight from our clients. And they're telling you why they even got involved with a tour johnson consulting. They're telling you why they're selling life insurance. They're talking about the successes that they're having and how they're literally able to accomplish the things that they never thought would be possible. So i want you to take a look at what now what i have to say but what people you may know are saying about this whole thing with automated client attraction..
"life insurance" Discussed on Earl Hall - Life Insurance Lead Generator
"Welcome into the demo. Right here. On auto johnson consulting dot com. We're going to lay out for you. Exactly what is in the program for the attracting buyers program. We're going to show you. A step-by-step approach where you can literally start building an automated predictable system that is going to enable you to reach a personal and financial goals. This is the overarching philosophy for everything. It is that we do. We live in a time where we have access to technology we have access to processes and procedures. That can automate so many things that we've been doing manually. We're going to be able to show you how to exactly automate and build a system that is going to do for you. Something that has never been done before. It's going to make your business predictable. We're gonna talk about some of the success stories that are here. We're going to talk about the clients that are here. Some of their very own success stories that has enabled them to build a business that they never thought was possible. You'll be able to see these links you can go right to overthrow dawson. Consulting dot com. You can see some of the testimonials are there but right now what i wanna do is get into what it's going to mean to you to be able to get into the program and build a system that is going to literally enable you to reach your personal.
"life insurance" Discussed on Earl Hall - Life Insurance Lead Generator
"Never hit it. That is true right there if you don't know what to aim for and you don't know how to aim for it. You won't ever hit that target. You won't ever hit that goal and so when you're talking about tactics and strategies has got to be based on real data and the more that you are in this field and the more policies that you so obviously in the more things that you do on a regular basis. You're going to start to see the data. That's panning out. Start seeing like. Let's see over your first ninety days in the business in many of you probably been in a lot longer the nat. So let's just say over your first year you're going to be able to look back and see some real data. Who have i been selling to age. Range male or female. What kind of industry do they work in What kind of neighborhood. What kind of home. What kind of job do they have when you start seeing the data of your client you're going to discover your ideal clients and literally how to go who to go after because now you're looking back over a period of time over data and this is what you wanna do. You wanna make sure not only that you have a list of leads or whatever or however you do what you do but you won't have a list of your buyers you wanna know who's buying from you inside and out so that when you are ready to go back and look at that data that's there. You're going to be able to make some determinations. This is how we do it. This is how we know how to run facebook ads. Who run them too. Because it's all based on data that's the automated part along with the predictable part. It's mostly the predictable part because when you can see who you've sold to over time you know who you can sell to in the future and you'll be better armed and prepared to go ahead and do what's needed to make sure you're targeting them appropriately now if all you're doing is buying leads from lead vendor snuck gonna work you've got to have your own automated system that is generating your leads based on the data that you have yourself so if you don't have your own system and if you don't have your own data and you're not collecting your data you're going to fall way behind look so many times. People are always looking for the latest strategies. The latest tips. There's a lot of links in the description. I want you to take note of. Go ahead and click them. Join our free. Facebook community built just for you and start learning this more and more every day. I'll see you tomorrow..
"life insurance" Discussed on Earl Hall - Life Insurance Lead Generator
"You know so many times. I speak to agents. And we're talking to and i'm wondering why some of my own up on my screen. There we go. We want to make sure that. I talked to so many agents during the course of the week and they're they are struggling. They're trying to figure this thing out there trying to discover you know what is the thing that's going to get them over the over the top that's going to put them over to be successful as some of the other agents in advisors that they're seeing out there because it seems like they're beating their heads up against a brick wall in just can't figure out why they're not where they actually want to be. You know we've talked a lot about tactics. We've talked about strategies in regards to what is the. What are the things that you need to have in place because we firmly believe that an automated predictable system is the only thing that's going to allow you to reach your financial goals as period. But let's take a look at this automated and predictable system. Most agents don't have a system at all. It's you get your lead from your agency you you buy your leads or you know. I just had a conversation with an agent yesterday. And i couldn't believe the things that he was saying that his agency was telling him to do. I mean literally. I'll just go hang on at the grocery store and hand out your business card and talk to people about life insurance really. he's like. Yeah that's what wait. A minute in people are successful. Doing this cycle. I don't know about all that but that's like the strategy that that's not a strategy. My friend that's not a strategy. A strategy is something that you put in place. I you have to have a vision or goal and then you can then you can reverse engineer. How you're going to get to that something very simple as okay. I want to be able to sell thirty thousand dollars in. Ap every month all right write that down thirty thousand dollars in a every month. So what's the strategy to get to that. How do we reverse engineer that. It's like okay. You gotta start with having some data right. It's like if i need to. If i wanna make thirty if i want to do thirty thousand dollars. Ap this month or each month. That means i'm going to have to sell policies in this range. This is going to have to be the annualized premium whether it's fifty dollars a month..
Life insurance advice with Clark Howard
"Right. Clark yolanda in north carolina says. I'm a forty one year old single parent. I'm looking at life insurance. But i'm not sure how to determine what i need. I've a two year old son have policy through my employer currently in a small policy that should cover funeral. Expenses checked a few companies. But i'm just not sure where to start on this. Okay wonderful the you're looking out for your kids and what i recommend as just a back of the envelope. Simple way to come up with an amount is that you buy a policy that covers ten times. Your annual income that will provide a decent pool of funds to provide for your children in the event of your untimely devise. so that may sound cost prohibitive. But it's not if you buy the right kind of life. Insurance which is known as a level term insurance level term is where you buy for a set amount a set amount of life insurance or face amount of you know how many hundreds of thousands of dollars or whatever it would be for a period of time. You're worried about protecting your children. Ten fifteen twenty thirty years. Whatever that period is on clark dot com. You'll see my guide to buying level term insurance and there are many quotation sites. You can go to to get quotes for many different insurance companies. Whether things. I want to focus your attention on. Is that particularly if you go out. More than fifteen years on level term. I want you to buy a policy from a company rated a double plus by a m best on any of the shopping services that i would direct you to they will show you the a. m. best rating. Which tells you how healthy the insurer is itself. So the eight double plus means they have the highest level of ability to pay claims in the future. Because you wouldn't wanna pay for life insurance policy that later isn't going to pay out for you. Level term insurance has no goofy Savings accounts are investment accounts. It only pays a death benefit to your survivors period. That's all it does in the case of buying policy where you're a single parent and you have minor children. That policy usually will be done in a trust kind of arrangement. Don't be intimidated by that. The online sellers are very familiar with this. And you will be able to have someone you trust. Named is the trustee of that in the event that you pass away while your children are still minors
"life insurance" Discussed on Earl Hall - Life Insurance Lead Generator
"Now. Now if you don't have the ability. Tit this moment understand that you've been in a box if you've been in one and you've been following what people have been telling you to do but you're still not successful as of right now. I want you to start thinking outside the frigging box. I tell my staff look. I'm a student of this. I am a student of sales and marketing anytime of day. The first thing that i'm doing every morning is watching reading studying something on this craft of sales and marketing. You can say well. I'm a life insurance agent. I need to understand my life insurance policies. You're going to get that anyway. But if you want to be in that eight percent nation if you wanna be in that five percent that two percent one percent of successful people you have to understand alarm that you will have to become a student of your craft and that is sales and marketing. Some of you are just now just now scratching the surface of what it means to be a salesperson. You're just even understanding that that's what you are but marketing whole nother beast. You must become a student of these. Things of sales marketing. It's why i mean you go to the website. it's right onscreen. Alto johnson consulting dot com. Join the free. Facebook group us their start understanding that there are things that you don't know but at least now you know you don't know him now you know you gotta do some work. This is more come on. This is more than the buying leads. Do you think the people that are at the top. That's all they're doing is buying leads. As a matter of fact you even think they're buying them people that have figured out a system an automated system that will attract in your ideal clients and bring them right to you. Those are the ones that are in that top eight percent. You're doing it the old way. You're doing it in the ninety two percent. If you want to know exactly what to do to get into that top eight percent that top seven. Six five four my friend. You need to understand that. The only way to that is through automated systems that bring people directly to you and if you don't quite understand if you don't quite get that you need to understand in no those things my friend you're going to stay where you are but i want you to come up. I want you to come up to the top go. Hey check out the website. Make sure tech the links in the description. I want you to join our facebook group. I'll see you tomorrow. I wanna thank you so much for tuning in to automated client attraction. This is the podcast. This is the video web series that can be found everywhere but more importantly it's the series this going to show you and teach you how to do the things you need to do in this millennium and to really grow your life insurance agency. I know you've seen a lot of different things. I know you've heard a lot of different things. Like always say poof is in the pudding. Look check out the links end description. Take advantage of everything. That's there because i want to see not only client testimonials not only exactly how the system works but how it's going to work for year. Click the links in the description. And i'll see you on the next podcast..
"life insurance" Discussed on Earl Hall - Life Insurance Lead Generator
"Much for tuning in once again. I'm your host earl hall makes sure you go ahead hit that button. That's subscribe button to follow by whatever you need to do to make sure that you're getting this information that you need monday through friday. I know so. Many agents are struggling. We had a staff meeting this morning and we were talking about the type of people that are in this industry in the financial services industry. That really are prime to really get the help that they need because they have not gotten the information that they need young. People say you have to think outside of the box right and so even with that being said when you come into an ammo and fm oh and agency see and your recruited that way. You're given the kool aid to drink. Right i mean i remember. I was recruited by three different agencies over my span right so and i knew especially the first one when i got him back in one thousand nine hundred four and i got into that. I drank the kool aid. I'm like okay. 'cause everybody says you just need a roadmap you follow the road map. You're going to be successful. Probably one of the biggest lies wherever told. And here's the thing because you see people following the roadmap supposedly roadmap becoming successful. But you haven't figured that out yet you you've you went on a twisty turn or something but you're not getting those results that you see other people. Getting and a lot of a lot of things goes into that. But one of the main things that i want to convey to you you you all of you. You only know what you know. And when we're recruited by these different agencies imo's fmo's and they give us the roadmap and they tell us to follow that all you have to do is this. They've put you inside of a box because now you don't even look outside of that box even when there's trouble even when there's trouble you won't you keep trying to follow that same map. Let me give you one. Spent a thousand dollars a week on leads and you'll be successful. Spend a thousand dollars a week on buying leads by the way that only gets you forty. If you're talking about brand new leads to think about that a thousand dollars for forty leads. Saudi gotta do by the leads. Call the leads book. The appointments go sell then they tell the famous. The numbers will always work out. They tell that one all the time the numbers will always work out. Well if the numbers will always work out in the hour working out for you. Is that a true statement now. Here's the thing that i want you to understand. This is not even your fault. See even though you see people being successful supposedly following that road map. It doesn't mean that that's actually what they're doing. It does not mean that. That's actually what they're doing. You just don't know the ins and outs of what it is that they're doing but when you come into i m o f m o or brand new agency and your green. You've never sold life insurance before you've never been exposed to financial services and they tell you when they give you all the pipe dreams about the money that you can make and the things that you'll be able to do the families that you'll be able to protect but you're in this box. You're in this box of of just do what i say. You're in the box of. Don't do anything else outside of this because we do anything else outside of this. You're going to go wrong. I want you to start understanding. How cultic a lot of these things are. Do exactly what we don't do anything else because we do anything else. You're not going to be successful so now that's in your mind. Do anything else outside of what we tell you. Boom you're gone. You're not going to be successful. It eliminates your critical thinking. It eliminates you thinking for yourself. Some of us did that because we didn't know that we could think for ourselves. We didn't have the information. We were green we were newbies. We didn't understand the ins and outs of the industry. So of course we're going to follow the line. We're going to toe the company line to do exactly what is said but let me. Just start asking you these questions if you're following what they're telling you to do and it's not working. Whose fault is it. Well you're gonna get yours. You're gonna think you're doing something wrong. You're going to think that you're not following along with the plans that the the ammo. Fm oh agency has laid out for you so it must be your fault. It's not because you never knew the right way to do it. You only knew the way to do. It is the way that they told you to do it. And then when things are not working out the way that they should be working out based on what you were told when you were recruited based on when you were told when you signed that contract based on what you were told when you started getting contracting with carriers based on what you were told when you start making those ridiculous to three hundred dollars on monday and thursday based on what you were told when you weren't booking appointments you kept following the exact program that was laid out most of you know and if you don't know you should look them up. I've been talking about this guy. And i think i talked about a memo last podcast on. Friday cody askins. He runs this program called eight percent nation. I've talked to cody once or twice. Really nice guy and the whole eight percent thing is because that is all eight percent is all. You're going to get as far as people that are successful in this industry. Only eight percent of us successful. Want you to noodle on that just for a minute here. Because i really want to mess your mind up for minute and i wanna fix it the way it ought to be. And that's what i've been doing this entire broadcast. I wanna mess you up for a minute. And then i want to get you to open your eyes and i wanna get you to outside the box now. If you take that line of nation only eight percent of life. Insurance agents are successful. The average life insurance agent makes right around fifty thousand a year detrick. No money and we all know it. We all know that's just barely getting by. That is just barely getting by money. Don't want some kids couple ex wives you get the picture so now. Eight percent of successful. What are the other ninety two percent doing. Here's what you should go. Check your leaderboards. see in. Just do the math do the math of the percentage of people that are succeeding. And you decide what that number is right. Is it twelve thousand a month. Is it twenty thousand. A month is fifty thousand a month. You pick look at the leaderboards and see. Who's doing that. Do the math to see how many total people on the leaderboard see what you come up with most importantly. Where are you on the leaderboard. Are you on the leaderboard. Because if you've been following the line two three six twelve months in you've been doing exactly what you're imo fm. Oh agencies telling you to do but you're not there yet what is the thing that's going to put you over the top because it is an extraordinary person that is going to be in that eight percent. There are not many that are going to be in there. But the thing that you have to decide if you're going to be in that eighty percent are you gonna be in the top five percent. Are you being the top one percent. Are you going to be number one now. Everybody wants to be number one but not everybody wants to do the work that it needs to read that it takes to get to be number one right by the way. Put some comments. What do you think about what i'm saying right.
"life insurance" Discussed on Earl Hall - Life Insurance Lead Generator
"My buyers facebook comes back with a lookalike audience of two point one million people. Are you starting to see. What are you starting to see what you're giving up by simply saying all i don't want to do the work Lettuce i'll just let somebody else do that to you. See what you're giving up when you don't take control of your kitchen let me talk to you. Ladies and gentlemen that have been in the business for two three ten twenty years. You've got a list. You've got a list of not only leads but 'buyers you learned the strategy and you understand the nuances and the ins and outs of how to do this. You now have the ability to put your legion. You're -pointment setting on fricken. Steroids stop giving up the power that you have because that is literally what you're doing. It's y auto dawson consulting. Llc is here. We have story after story of brand new clients brand new clients getting in an understanding and learning this system from us blowing up literally changing the entire project. -tory of their business. We've gotten in clients that were literally ready to quit selling insurance. Some of you watching me right now. You're at that point. I know some of you watching me right now. You're doing okay but you don't even understand how you can do better this one thing of owning the prospecting and lead generation of your business. Not outsourcing it to anyone but fully understanding the business develop development opportunity. That is right in front of you right in front of you is vital and key. Every life insurance agent every last financial advisor must take control of their legion. They must own the system that they're using. Stop outsourcing this. Because not only are you being lazy and i'm even going to be a little bit. I'm going to clean that up a little bit because it's it's probably not that you're lazy. It's probably that you just never been told this before that you can do this. You've been in a bubble of listening to apply of listening to an agency that urges telling you spend a thousand dollars. A week on leads spent two thousand dollars a week on leads generate that sell some policies comeback and invest more. You're investing your money in the building of someone else's business when you do that you are investing your money and building someone else's business when you don't take control of your own business stop wasting money and start learning how you can start making money hand over fist with what it is that. I'm trying to tell you to do any comments questions. Go and post them now. 'cause i wanna tell you tomorrow friday two things. There's something i want you to do in the description. We have a private free community on facebook where you can start learning this. The ins and outs of this. I want you to look in the description for the facebook group. And i want you to join and there's a reason why because every friday what i do i take your questions i sit here and i read your questions and i give you the answers that you're looking for but you have to be a member of this community and when you are a member of this community you post your questions right in there and that is the only place i will accept questions from. Is this community. Because i can't be looking all over all over the place for this type of stuff. So i want you to look in the description. I want you to join the community. If you're not subscribe to youtube channel. I want you to definitely subscribe to that and i want you to subscribe to that and join the community. You want to build a real business start operating like a real one by having utter control of everything everything that goes on in your business. I'll see you tomorrow. I want to thank you so much for tuning into automated client attraction. This is the podcast. This is the video web series. That can be found everywhere. But more importantly it's the series is going to show you and teach you how to do the things you need to do in this millennium in order to really grow your life insurance agency. I know you've seen a lot of different things. I know you've heard a lot of different things. Like i always say. The proof is in the pudding. Look check out the links that linda description. Taking advantage of everything. That's there because i want you to see not. Only klein testimonials not only exactly how the system works. But how it's going to work for you. Click the links in the description. And i'll see you on the next podcast..
"life insurance" Discussed on Earl Hall - Life Insurance Lead Generator
"In our industry are actually successful. So where do you fall into that. If you're not making the money that you wanna make if you're not living the life that you wanna live. Why are you doing this business now. It's this industry. You can make a lot of money or you can make no money and we've been on. I'm sure many of you have been on both sides of that coin or one side of that coin. At least and hopefully transitioned over to the side. Where you're actually making money. But the thing about the whole of the making the money thing. I know agents that are killing themselves right now with the amount of work that they're doing trying to make the money that they make there is no freedom. They're stuck running appointments. They're stuck mostly prospecting. They're stuck mostly just trying to get a lead their stock one because they don't have any systems in place to to automate the things that they're doing but i don't care how much money you make or the possessions that you have if you're not able to to enjoy them. What good is it. I remember back years ago almost a decade. Now when i was driving a bus in the city of milwaukee. I worked for a milwaukee county transit as a bus operator and it was a six figure job. The six figure job if you were willing to do overtime if you weren't willing to do over time it was about a sixty thousand dollar year job and actually saw down since then. They've lowered the. They've lowered how much they pay for. Incoming operators which is crazy. But if you willing to work your tail off you could easily do one hundred and fifty one hundred eighty thousand dollars a year. And here's the thing that happens and this is why you really need to know your y about what you're doing that money can become a trap. That's about the best way that i can put that. Money can literally become a trap because that's so bus. Operators working their tails off happy with the money that they were making just like. I see life insurance agents today. Happy with the money that they're making bragging about the money that they make and then they start buying stuff. They buy big houses. They buy brand new cars. They buy all the toys they've ever dreamed of buying. And then what happens. Is that instead of you possessing those possessions. Those possessions now possess you because now you have to stay on that bus. All they are all night. You have to stay on that phone all day or all night because you don't know how to put systems in place to make it work for you the way it should. You're willing to stay on the phone. Ten twelve hours a day just dialing dialing dialing hoping someone will answer hoping someone will take your call and you'll be able to book an appointment hopefully be able to sell that appointment. Most of your time becomes a chase of the money. So now you're chasing clients and you have to have them so you're willing to invest one thousand two thousand dollars a week on leads in only make three to four thousand which means you've only two thousand because you got these bills you gotta pay. You got gotta lead bill. You gotta pay. Because you don't know how to automate that either you're spending exorbitant exorbitant amounts of money i mean just think about some of these agencies are out here telling you to spend a thousand dollars a week on leads we spend a thousand dollars on brand new leads but it only accounts to forty people and i want you to really quantify that and think about this a thousand dollars for forty names and numbers come on. You've got to have a better wideness. The why that have is all about my family. I spend my days doing what i wanna do. I'm not punching a clock. i'm not chasing after clients clients. Literally chase me. It's twenty twenty one and you don't know how to make that happen for yourself. You're gonna get caught in a hamster wheel. You start being honest if you talk to some of these people making exorbitant amounts of money in our industry and if you can narrow them down and ask them to be really honest. How many hours a week are you working. If they're honest they're going to tell you. Eighty two hundred. If they're honest they're going to tell you. Eighty two hundred now. Look this is what i want you to do. There's some links in the description that a right on this date On this video. I want you to join our free community. Was lincoln the description for that. Join our free community and start learning some of the stuff start participating in programs that actually work and get off the hamster wheel. What's your why. Thanks for tuning in. I'll see you tomorrow. I wanna thank you so much for tuning in into automated client attraction. This is the podcast. This is the video web series that can be found everywhere but more importantly it's the series. That's gonna show you teach you how to do the things you need to do in this millennium in order to really grow your life insurance agency. I know you've seen a lot of different things. I know you've heard a lot of different things like always say the proof is in the pudding. Look check out the links that are ended description. Take advantage of everything. That's there because i want you to see not only client testimonials not only exactly how the system works but how it's going to work for you. Click the links in the description. And i'll see on the next podcast..
"life insurance" Discussed on Earl Hall - Life Insurance Lead Generator
"For tuning in to automated client attraction. I'm your host earl hall representing arterial johnson consulting. Today we're gonna be diving in to some of the things that you really need to be thinking about. Even as far as why you got into this business in the first place at all you know a lot of us will all of us quite frankly if we're in the business of life insurance. We were recruited in some way shape or form. We were recruited. It's like no other job you're ever going to get is the type of job that type of business that you're trying to build here as a life insurance agent as a financial adviser whole nine yards but one of the key things i think most people don't realize and think about is. What's your reasoning behind this. What's the why. Let's just be honest. I mean can we get real for just a moment. Today is wednesday. It's all about why wednesday you know what's your why and we're gonna be talking about this every single week. It's like when you realize that one year recruited into this and most agencies that are out there are set up as a multilevel marketing type of organization. Now there's a lot of different images that pop into your mind when you think about mlm or whether it's amway whether it's a pyramid scheme or something like that is the usual generic term that people use but if you were recruited into a company and you have an up line and then you can recruit and you have a down line. Then it's multilevel because the people that are view benefit off of benefit financially. Off of you and your down line and you benefit off of your down line in your down line down line so on and so forth. It's how it works. There's not necessarily anything wrong with that. So don't get me wrong with what i'm saying with this but the point of the matter is if you were recruited which probably say dare say ninety percent of people in. This industry were recruited by some agency. Then you probably drawn to the money you were probably drawn to the amount of money that can be made in. Don't get me wrong. There's a tremendous amount of money to be made in this industry. There are a lot of people that you already know. Twenty thousand fifty thousand a hundred thousand one million dollars or more a month per month. So you've got to ask yourself a question and there's nothing wrong at all if your money motivated. I'm money motivated us to be real. I'm money motivated. So when you're looking at your y even if your money motivated what is that. Motivation centered around now. What i can say. If i tell my personal story my whole goal was to make it so that my wife had an option to work if she wanted to work she could if she didn't want to she didn't have to proud to say that we've accomplished that goal proud to say that my wife has option c. Retired last year actually from law enforcement last year. What was it Around you may or june. She retired and she hasn't had to work. You know and so. That's my why i wanted to have options in people talk about like what your definition of success and i was asked this question literally about a couple of months ago by my best friend. He's like what is your definition of success. When will you say that you've made it and it's like that was. My main goal was to accomplish that goal of having my wife not to work but what success is for me and your own definition. You have your own. My definition of success is options. Meaning that i can make a choice of what i wanna do and it never has to be no. It never has to be restricted by finances. Or i don't have enough money or something along those lines. Success is freedom to me. Success is having options to do what i wanna do. When i want to do it. No-holds-barred that's my definition of success type in the comments right now. What is your definition of success or even type in the comments. Are you money motivated. What motivates you to do the things that you do because when we listen to a lot of different people talk in the insurance industry they talk about. We're here to serve families were here to Service them to make sure to. They're covered or protected. Can we go beyond that. That's that's the nice thing right. That's the that's the politically correct thing to say. And even though that is what it is that you do and you may love doing that in. Be a big part of why you've chosen to do what you do. At the end of the day you have a family to take care of. You have bills to pay right. So let's not be too saintly about this. We wouldn't do it if we weren't able to make the money that we make in this industry which is phenomenal. So you're why the why about what it is that you're doing in. This industry is very key because literally. If you're only money voted motivated in. You're not concerned about the families that you're serving. You probably won't do very well because that's gonna come across and the presentations whether it is your face to face whether you're on zoom whether you're on a phone call your motivations are gonna show based on how you present what it is that you have to present to sell the policies that you sell and so there are many different motivating factors for what it is that you do what it is that that i do on a daily basis but when it comes down to it there is a why and when you discover that y which. He should've discovered way before now. But if you understand what your why is. It's gonna make a difference. you know. Think eric for for that comment options time freedom. Exactly that's why people do this thing. That's why people are so interested in having the because quite honestly life insurance is one of the most lucrative things financial services as a whole is one of the most lucrative things you can do and then also we don't have any. There's no cap there's no ceiling on how much we can make bike out a nine to five job or something like that this job. And if you don't know who cody askins is i watch cody asking youtube channel. A lot and by the way if you haven't subscribed to mind go and do that now right. There's a lincoln the description for that but he has His youtube channel eight percent nation. And he talks about that. So i'm sure many of your you are familiar with cody. Askins only eight percent of life insurance agents ever attained success the average life insurance agent makes about fifty thousand a year which in today's economy is really nothing right. Thanks justin for comment justin. Yeah financial freedom. that's what it's all about. Eight percent of the people.
"life insurance" Discussed on Earl Hall - Life Insurance Lead Generator
"One as of livestream in this recording. That we're doing right now and by the way as you're coming in feel free to shoot me a comment or just say. Hey that'd be great right. I had a conversation you guys know. I talked to a plethora of life insurance agents and financial advisers every single week. It's anywhere between thirty to fifty that. I coach that. Help learn about systems that. I'm showing that there's a better way to do this than what we've been doing it. And the life insurance sales techniques that we're using. They're not working anymore even if they are working to a certain degree in you you hear about about people making all of this money and things of that nature which. I'm sure you see the amount of money that they're spending to accomplish that is astronomical people are spending upwards of fifty thousand one hundred thousand dollars a year just to make the money that they're making now that alone in itself. It's like man. I wish i could spend that amount of money right. Look ahead of conversation this morning. Consulting call with sixty three ot female. I believe out of florida and going through some questioning with her to kind of determine where she was and where it is that she's looking to go and the first question that i asked well one of the i was like. What are you doing right now to help build your business and what she said literally floored me. It actually floored me. And i had to ask the question. You're seriously doing that. Not to be offensive but because it kind of took me back a bit. What she said she was doing was putting flyers on cars to sell life insurance or to book appointments. And i asked the question. I'm like what or who advised you to do that. And she goes why. I just thought about like okay. You've been in the insurance industry for about the past year and a half two years you please tell me. You've been getting some sort of training or whatever. 'cause she's with one of the big companies starts with a p. l. e. at that a pr and she said well mostly what we focused in on is wore market trying to get warm market to get referrals from them so that we can go further and sell insurance. Mike okay well in the past year and a half two years. How many policies have you sold using that method. She goes off so quite a few. I'm like what's the number she said about seven or eight again. I'm floored in a year and a half two years. You've only sold seven or eight policies and she's like yeah and then i was trying to get referrals from those people but you know a lot of people that i deal with their their their lower income. They're poor the things of that nature so my next question to her was well. Let's just jump forward here because you're using a strategy that i mean maybe a girl scout troop produce to sell girl scout cookies or something like that but they probably even be better because they know how to use social media better than us adults do it most times. But it's like with what it is that you're doing right now and this could be talking to the same sixty three a woman that i was talking to this morning. This could be me talking to you right now. What are your sales strategies. What are your sales techniques. Do you have any and see where this comes in especially when we talk about mindset monday look i believe firmly that when people put their mind.
Are You Ready to Make Financial Progress in 2021?
"This article runs through the twelve steps to get you financially. Ready for twenty twenty one. Obviously i can't go through twelve but you. Vip's are studious. You guys are on the ball and we'll make sure we have the lincoln. There's you can go read the rest of them. But i'm gonna pick out five. Let's take a look at number. One is review your goals the of years a great time to pause and look over your current financial goals just to see where you are with your progress I know this year was tough. But we're not gonna let it stand in the way of us moving forward with our money. So let's look at this get intentional. I've got the network calculator that you're gonna get over to my website And really figure out kind of where you are. How did this year in and again. I know this year was a challenge And this year has continued to be a challenge for a lot of people. But we still need to know where we stand The next one is update your budget. Obviously you know if you don't have one this is a good time to make one Do an audit of your budget kind of take a look. Are there some things that you could cut or scale back memberships. You don't use Do you have leftover money at the end of the month where you're redirecting that So there's a lotta things we can do and again as we start off the year on the good foot We wanna make sure we're being more intentional than ever Another thing end of year. Max out your 401k. If you haven't hit your full fifteen percent yet or you've got extra to invest you can make sure you get that done before december thirty first And remember you have until april to make contributions towards your ira a roth ira as well jay as hsa. We've got some time. So what does that mean for. A lotta people reach out to a smartvestor pro Make sure you're talking to your tax professional and he lp You've got people you want to get in your corner just to start reaching out. Especially for you self-employed. vip's For you you know. Tax time is a is a lot more paperwork in a lot of details grab up. Let's start getting that stuff. Gathered up right. Now you can get that in the hands of your cpa and the your make him or her's life a lot smoother as well as your own Speaking of find your tax return And again this sound can be can sound crazy. But it's just good to make a list of the things you're going to need get that prior year's return began to just details And talk about you know for some of you does a roth. Conversion makes sense. And what i mean by that real quick to not get into the weeds if you had an old 401k That's out there. You could convert that by paying the taxes on it to a roth Again it's a process of understanding the tax consequences having the cash first and foremost and being able to take care of that. So your smartvestor pro as well as your taxi. Lp can guide you in that Will entrust review your I know those things. Don't sound like fine. But i'm gonna tell you something after twenty twenty it's imperative that we have those things in place Really really important And also let me let me tell you this real quick It's important to make sure that you have beneficiaries updated. And i mean that in your life insurance i mean that in your 401k Because hear me the beneficiary designation 401k or on a life insurance policy will supersede meaning it outweighs anything in a will so the beneficiaries that you've established on a 401k. Four five ten years ago. You need to make sure you've got that updated especially if you've had a change of life if you were married If you got divorced if you adopted a cat or had another baby you just wanna make sure. Those are updated So beneficiaries on life insurance on ira's on 401k's these things are imperative. And do me a favor reach out to your parents To make sure that they've got there's updated as well a lot of times people. Sit and forget it with these things and it can just create some headache and heartache. Later a your estate plan needs to reflect those changes And if you don't have a will do get that thing in place It's imperative Some staggering statistic out there. That almost seventy seventy five percent of people don't have a will which means we leave the government in charge of your stuff Did you hear me say that. Yeah you leave the government in charge of your stuff I the government. Can't take the government's i know they will take care of my stuff So anyway let's get a will place But anyway you know we're twenty twenty one. Start off with the right checklist. Make sure we got things in place so we're able to grow forward interesting article again. They're twelve things. We covered five. You can go over to forbes dot com as always. We'll put a link to
What's HIV got to do with a coronavirus vaccine?
"And norman. We had on friday that the vaccine which we talked a couple of times about on this podcast saying that it was a really promising candidate has been canned over the fact that people who received it could have a false positive to an hiv test or particular antibody associated with hiv. And we've had a lot of questions from the audience about this. So let's see if we can demystify. These are really felt like a bolt from the blue. We got kenton asking. Can you please explain how a why false positive hiv tests stopped. The queensland trial doesn't this reflect poorly on the hiv test rather than the vaccination. So that's a great question. Canton anita back up and just do a bit of an explanation. Here you listened to colonel cast regular you know that the vaccines and some of the treatments but the vaccines are targeted against the spike. On the surface of crohn's now the problem with the spike is that it changes shape. And you want it to be exactly the right shape for the lock and key mechanism and therefore it's going to be fixed. It changes shape of. It's not attached to the virus itself. Is that what you meant. That's right kind of swings in the breeze a bit now. How the are ours is the no one in the pfizer vaccines novartis's but vaccines do. This is that they've got a genetic variant of which programs a fixed version of the spike protein. So that's how they do it. How the university of queensland vaccine does it is that they've got something called a molecular clamp. So they kind of clamp into position so that it stays in the right shape for the immune system to recognize as a bona feed your at accurate version of the spike protein. So the immune response that you generate is exactly the immune response you want to be able to control the corona virus. Now you gotta be a clamp clampett. So what is what. What's the clamp. You can't do it for the client in the shade. You go to find some way of doing it. And the way the clamp they use in part is the is part of the human immunodeficiency virus. So it's an envelope protein. I think quite crudely although it's called nimble protein that's how they use it in his co. gp forty one and it clamps down the spike and holds in place so that you've got a stable spike for the immune system to respond to. So that's what they use. Hiv's being studied endlessly and they know exactly how these things work. It wasn't as if they didn't expect some antibodies to this part of the human immunodeficiency virus. I'm told that as part of the informed consent people told they might get a transient rise to to hiv antibodies. So that's what's happened here. Is that more people. Got an antibody response an immune response to this part of the human immunodeficiency virus. And that's what killed the vaccine. Not your had issues but we had the antibody response. Here's the problem when you actually do an hiv test you test. A couple of different parts of the virus that the check for the body response to hiv in different parts of different parts of the virus gp forty one is one of the parts. And there's a couple of others now you've got to get more than one of those to have an absolutely definite positive hiv test if all you come up with is gp forty-one then that's you know that's an equivocal test and they've got a taste you further so the problem is that the communist hiv tests include gp forty one in the suite of antibodies. They pick up when the testing for hiv. So the problem is donate blocks you come kneecap positive and they reject your sample or go to do other other ids tests to nil it. It's not as if it's impossible to get over. But it creates a lot of confusion and difficulty out there and and i suppose they just took a risk benefit equation. There was no harm to individuals. And i think you listen to the press conference. Teagan and some of these antibody rises. Were actually tempering. That that's right. So they said that. All of the vaccine as the older people that receive them. Had some level of positivity to hiv even though before the trials they really thought that it was theoretical risk in quite a lawyer one but they did say that even now at least one of the paypal has gone back to zero and the other seem to be declining so it could be a transient thing and they said that they did actually talk. They've had conversations with the government with health bodies about maybe whether the hiv tests should be changed to give people access to the coronavirus vaccine but they decided that i that would be really hard and be in addition to a public health issue around hiv. There's also a really important public perception issue around the vaccines and they wouldn't want people to be put off using the vaccine because of these perceived link with hiv even though there's absolutely no health risk associated with it at all because it's just a tiny little part of the virus that can't suddenly become the virus it's just literally apar- you're molecular part of the virus which is entirely independent says a huge shame and pamela asks. Why did they try using hiv. In the first place. I think the they at the press conference. That's right and one of the big reason is because hiv is just so well studied. And so this this clamp that was talking about before it was crystallized in hiv. I and so because even though. Hiv's are really scary bars or perhaps because it seems like scary virus. We know a lot about it. We started in a lot of detail and so with something. That's a really nine quantity being able to clip these thing out and put it into the vaccine. Seemed like a really sensible choice and because this was the first human trials of this vaccine. They didn't have an opportunity before now to know that this was going to be a risk the issue that we have only working human so they couldn't use them in the animal bottles and it wasn't really a high priority when the outcome that they're looking for is covid not really itchy. Europe was the last question from lou. Lou is asking the the stories seem to suggest that it was abandoned due to a concern about possible public perceptions rather than any real problem with the vaccine is this right is partly right of. Csl was party to that. They're the commercial partner and they've got a marketing issue to explain why this has the while you get a positive. Hiv test. even though it's false positive is enough of an issue reducing vaccine hesitancy. When you've rush through some of these vaccines and then you add hiv on top of it but there are practical issues. Liu and the pro the probably mostly relate to the blood supply you go into give a blood donation they will do a routine. Hiv test on it. And if it comes up positive and you either rejects the blood donation if let's say for example that fifty percent of the australian population got immunized against the with the vaccine and some of them didn't disappear quickly then. They've got to do further testing on the on the blood supply to make sure that it's just. It is truly a false positives. It creates a practical problem. They it also creates a problem for perhaps life insurance. So these things are solvable. I mean if this was the only vaccine available in the world they probably would continue with it but because it's not they've gone for just saying we're just gonna use the overseas vaccines which kind of brings us to some other news. That came out over the weekend so we heard that the yuki vaccine has been canceled. Which is a real blardone scientists but in addition to that glasgow smithkline vaccine has also been paused or cancelled canceled as been paused. So what they had was. They had a problem measuring the virus or the virus particles you know. Basically the corona vars to the vaccine in the in in their samples and they got that wrong and therefore the shoe or the wrong does in the in the samples and they had to had to go back to the drawing board workout test for the the elements of the corona virus in their vaccine and then reinstitute trials in a few months time. So they haven't candid is just the technical problem early on and often dosage does become a problem in vaccine trials. It's not unknown for vaccines to fall over at the dosage stage. And it's worth remembering here. The in the rush to get these vaccines the bit. That's been compressed. Is what's called the phase two trial. So what's happened here with the q. Vaccine it was the phase one trial which is a safety trial which find out this problem with hiv that it was more common than they thought. Normally then you would go to if it was okay in the phase one to phase two trial which is often largely about finding the right does the best fate whether it's a drug over vaccine and that's what's been compressed and they've tried to do phase one phase two trials together or face to face three trials together and the dosage that s- being not very well sorted i in some of the trials so for example. That's one of the problems with the astros trial in a small subs- subset of the trial. They gave half a does again partly because they weren't they weren't formulating in the way that we thought they wear and also a group that was largely under fifty five and they just didn't have time to sort of that element before they got to phase three and then they're probably going to have to double back and recheck all that well.
Zconomy: How Gen Z Will Change the Future of Business with Jason Dorsey
"Jason. Save up to fire nation and share. Something interesting about yourself that most people don't know sure what's up. Fire nation thrilled to be here with you. Huge fan fire nation. Everything about something that most people don't know about me is. I wrote my first book when i was eighteen years old and it was so successful. I ended up sleeping on the floor of a garage apartment with five thousand books that i had printed thinking somebody was going to buy them instead. They were furniture. So a bed of books means you're not selling as many books as you want to fire nation but guess what jason's grown he's matured and right. Now he's rocking z. Konami which is all about generation z. And how gen z is going to change the future of business. So i kind of want to start a few steps back jason. Because i'm just curious like how does one get into studying generations wide. Did that interest you. And why did you get into it. Yeah share well that. I book that i wrote when i was eighteen at ended up not selling it first and then becoming a real big bestseller and i started speaking all around the world and i ended up on sixty minutes and i was on. That show is all about millennials. And i'd written a bunch of books and started a company and everything was going great but after that show i started speaking all these corporate executives who are now our primary clients but i was speaking all these exact and he would say such terrible things about millennials and i am a millennial pretty fended lazier titled your pants or fall off. You live with your mom and all this stuff. And i'm like well. No actually. I have my own house in our own office building in my parents worked for me and my pants are on very snugly. Thank you very much. And so so after that i remembered Clear as day. I was in this boardroom. Big public company and the ceo had said Some things about millennial employees. That i just i didn't fully believe and i'd spoken about half a million millennials at that time and so i asked him because i didn't know any better. Now i serve on lots of corporate boards. You know one of the couples on sold for eleven billion dollars. I live in this world now. But back then i didn't i didn't i didn't know and it was really a set up for success so i asked him i said is there any way i can see your data about millennials because you say the turnovers hiring. They're not as engaged and on and on i. I love to understand better. So i can conceptualize it and maybe help also for so. There are a lecture or whatever so they sent the data to me. And the data didn't match with the ceo had just said in the boardroom which basically never happened. Ceo's don't go off the cuff in front of their boards prickly a private publicly-held company like that. So i asked my wife who has a phd. I said denise you know this is. The strangest thing was just in this room with this pretty famous. Ceo they said all these things with great conviction then. I looked at the data and the data doesn't match what they just said. I said what do you think we should do. And she looked at me and she says we start a research for. She's up because if they don't even know their own data if we can help them to understand their data make better decisions and we can really great copy and help lots of peoplesoft. Lots of challenges and so. That's how we got into this thirteen years ago. We founded the center for generational kinetics. We lead research all around the world for many of the biggest brands in the world. And all about separating generational myth from truth through data so leaders can make great decisions whether you're a startup or venture capital or your bootstrapping yet or you're in a big public company getting accurate data and being able to make decisions based on that increases the likelihood of success de risk strategies. That you're looking at drives innovation and so forth and we found that generations in particular or one area where there was just so much myth and so much misinformation and if we gave people great information that it could take action and that was incredibly exciting. We've had seven hundred clients since then which is pretty wild and done studies all around the world and just love it absolutely it now. Your ceo is just flat out wrong when it came to millennials and you had the data to back it up. Did you ever go back to him. And just be like joe burrow. Check us out. you're wrong in also my pants. They're pretty snug. Check them out. I know that was a quiet. But i really do credit him and i if it wasn't such a negative story i would say what company is because it's really big famous company but But no but. I do believe that he something that we saw frequently. Which is the idea that generations older generations. Think of millennials through the lens of their kids or their grandkids and so that that becomes a proxy for the whole generation. And in fact when we wrote the economy book new book. What we found is the same thing was happening again and there was all this misinformation and it just wasn't true and that's why we spent less two years right in the book is because we've got to clear this up because when people have the wrong impression about an entire generation it leads to so many problems for everybody. Everybody loses so no. I never never corrected him on it. But i do give him credit for sparking the idea. I'm glad that you do give them credit for sparking that idea because sometimes fire nation. Is those things you just like you know. I'm not just quite sure about that. Let me look into it. They can really uncover some great opportunities in one thing. That i think is a huge problem in this world in general and especially when you're talking about generations is just regurgitation. You'll hear one person on one talk. Show say one thing. And then you'll regurgitate it. And then somebody else regurgitates regurgitation and like seven layers down. You're like how'd you hear that. They're like oh. I don't really know like somebody just mentioned it and like now you're speaking it like it's the truth and it's just regurgitation of what you know is something that has no data to back it up. So what most people get wrong jason when it comes to generations break that down for us shared. There's a few things that jump out. The first is this belief. Generations are a box or stereotype and that is absolutely not true. We're generational researchers. This is what we do more than sixty five generational studies and what we see is generations are not a box but what they really are powerful clues and as long as we used them as clues and only clues to dry faster connection trust and influence in create all kinds of positive outcomes. We don't wanna put people in boxes. We wanna use this as clues. So we can figure out how to better lead market sell collaborate innovate and so forth. And when you sort of at that level people seem to really embrace it because it just gives them another lens to better connect. So i think the first is people think. Generations are boxes or stereotypes. And they're not in fact. Our clues are driven by math. We look for what's called predictability by scenario so that's the first thing that people i think it wrong. The second is this idea that generations are the same around the world. Now one of the things that we've uncovered repeatedly in our work. We publish all this on our website. Is that generations vary by geography so for example in the us will see differences between urban and rural within the same generation. And that i work a lot outside the us and we'll see differences. Has we travel around the world and that's important because if you're a global company or frankly a global brand fire nation is you want to make sure that you really representing each of the different geographies. And what makes them different now. One cool thing that we've uncovered and we talk a lot about this bunches. Economy is the most consistent generation the world. now that doesn't mean exactly the same but the most similar generation the world is now gen z. Gnc's about twenty three twenty four years old. The oldest and the reason the most similar is because of cheap mobile technology so if you live in different countries around the world you might even get your phone for free as long as you use it for payment. Think about it started using a text. Payer sort of like a mobile credit card in different parts of the world and because we've driven the cost of a mobile down solo basically two zero in many places now. All the sudden young people around the world are having access to entertainment news information dating banking on and on and on and as a result of that. We're seeing a lot more similarities. As i travel all around the world the younger you get but interestingly the older you get even to gen xer baby boomers from a different planet as you travel around the world. So that's something people get wrong. And then the last thing that i think people get wrong. And is they have to deal with a bunch. Is people confuse life. Stage or age with generation. So for example jen's is now twenty four but when we do studies and ask people how do you think the average millennial is they'll say twenty five as if we didn't keep getting older you never talking about millennials for fifteen years. Say there they're now forty. I think that's a board it because you stay in the saying generation but you pass through different life stages and frequently people confuse the two and it's very important to understand the difference because if you're trying to market or employer build a business that targets different groups generations gives you all these clues but we got to distinguish between the generation which travels up right at ages up baby boomers for teenagers versus life. Stage for example high school or college which are still pretty similar ages as they have been for the last four years and so knowing. The difference helps you to understand that. Yes really interesting. How people always confuse age with generations. And how that all goes. I mean you know. I was just talking to a friend the other day literally. He's in his late thirties. I'm in my late thirties. And he's just going off and riffing about jenner. How millennials or just entitled and all this stuff and it looks like you know where millennials. He's like oh no. I'm definitely not a millennial mike. Well we're we're like the oldest millennials millennials. And he's like well. I need to look at that. And so it was funny. He came back. We know there's actually a lot of great things about millennials and he's now like listing off all the good things because he now is identifying himself as a millennial so it's really interesting fire nation and yes. We do get older. That is what happens to all generations and all human beings foreshore. And we're gonna die something. I'm pretty excited about as soon as we get back from our break which is about how generational work is actually going to solve challenges for both entrepreneurs that's you fire nation and companies as well as soon as we get back think is the best platform to create market and sell your own online courses in. We speak from personal experience. We've been hosting our online courses within kick since two thousand seventeen with dinkic we can deliver content to our students in a simple user friendly way that allows them to learn and take action fast plus our students are always raving about how easy it is to follow the flow of the contents. Thanks to think theme and templates. So if you're ready to create an online course to help you reach a wider audience build revenue in make a bigger impact than think. If is the perfect partner to have by your side to prove it. Think if it has an exclusive for you fire nation. Their five day course challenge. Here's what one of their recent students had to say about. This challenge helped me gain the confidence and clarity. I needed as well as a perspective required to compile my specialized knowledge into marketable contents that others will be willing to pay for sign up for this free challenge today at think dot com slash fire. That's t h. I n k. I f i. C dot com slash buyer looking for business. Coach was helped thousands of entrepreneurs just like you to increase profitability by an average of one hundred percent per year all for less money than would cost a higher a fulltime at minimum wage employee fire nation meets clay. Clark klay has been coaching businesses. Like yours since two thousand six yep even through the great recession and he does it for less money than would cost a hire a full time minimum wage employees at a time when inc magazine reports that by default ninety six percent of businesses will fail within ten years claes helping businesses like yours to grow on average by one hundred and four percent annually. Houses even possible clayton only takes on one hundred and sixty clients so he personally designed your business plan. Plus cleese team helps you execute that plan with access to graphic designers. Google certified search engine optimize web developers online added managers videography workflow masters in accounting coaches visits thrive time show dot com slash fire to see thousands of video testimonials from real people. Just like you. Who plays helped over the years. That's right do your research view. Thousands not hundreds of proven documented in archives videos. Testimonies from real people just like you. At thrive time show dot com slash. Fire thrive time show dot com slash. Fire then schedule your free consultation with klay himself to see how he and his team can help. You thrive so jason. We are back. And as i kind of teased before the break. I wanna get into. How generational work console challenges for fire nation. That's for us entrepreneurs but companies as well. Sure that with us. Sure one of the things. That also is not obvious as i'm venture partner at a venture capital firm and serve on lots of start up boards. It's an extremely passionate about and what we're seeing much of the opportunity being created today has a generational trend or thesis. It's the adoption of new technology new solutions or bringing a different way to look at old problems and when that happens that's where both change and frustration and challenge and frankly companies go out of business but it's also wear new opportunities are created so i'm speaking with entrepreneurs and working with entrepreneurs were trying to look at what are millennials and particularly gen z. Doing right now that you might want to be able to build a business around or leverage as their pine power influence increases so for the first time what we're seeing is technology trends are rippling from the youngest to the oldest and that's a huge shift. It used to be from the oldest more affluent down to the youngest. But now we're seeing younger. People are actually driving tech adoption up to the older but the key as an entrepreneur mississippi that we coach entrepreneurs about is being able to sort of step out of your generation and look at it through the lens of another generation. it's what we call generational contexts. One of the best ways to do that is actually bring members of that generation into the conversation. I can't tell you how many times i'm speaking at places. And they're asking me all these questions about millennials or gen z and. I'm like well. Why don't we invite some of them to the conversation. Let's talk to them. Uh let's actually talk with them. See what they say. Say get and so. I think when you look at bringing generational diversity into the workplace into innovation. You can solve all kinds of interesting challenges. I'll give example right now. What we're seeing is the gen z and even younger millennials. I talk about both of these in this economy book. They want a different on boarding experience. Obviously we're in this time of covert and all these changes but even before that what we saw is that the youngest generation wants to be on once on boarding to be by text message. Which sounds i know a little bit wild but there are companies. Do all of their on boarding through text message so you get semes- before you Short for your first day in alaska you just give you a simple example. This is in the book from coming called on border. When you they'll send a text message and it'll say what's your favorite snack three o'clock when your energy starts to go down. Do you have a favorite sports team are causing all this sort of stuff and the is when you show up for your first day. Or they'll even now senator gift baskets to your house. They'll have all your favorite snacks ready for you on your show up because they already know because you put in your text message or the. Have your favorite sports team. Or they'll find the best place that you wanna go eat or have that food delivered so they're engaging you by text message in a process that generally used to be in person and frankly pretty terrible at most companies. There's another company that worked in with again. This is generational trend. They figured out how to pay all employees fifty percent of their wages every day at no cost. They're called instant and what they did. Is they basically said you get a text message or message on your phone after your shift. And it says hey. Would you like half your money today. Yes or no. If you click s you get your money. Will all the sudden now you have. An entire generation is growing so fast that thinks they should always be able to get half their paycheck. Every day will imagine how that changes so many other things and all the sudden other generations. What do they say well. This text messaging on boarding thing is pretty cool. You mean i can get paid every day. That's pretty awesome. I think i want that. To and all the sudden the generational trends creates huge businesses. And those are the types of things were seeing you know so much. Innovation is driven by other generations. This is the key they don't even think it's new or different when we interview them. They think you've always been able to do on boarding by text message because they never got on onboard before there was text messaging or if they've only worked at a place that gave them the ability to get paid every day. That's how they think everybody gets paid. And you know older generations. So i work with the frequently. Get defensive and they're like you know. The young generations are trying to change everything. And i'm like no. They're not this is just all they've ever known they don't know any differently. Change to them is actually doing what you're proposing and it's not about one being right or wrong. It's going we can. We can leverage us. We can adopt this and all the sudden on boardings better retention is higher engagement is higher in these types of things and you see it on the marketing side for those fire nation members who are really growing their businesses and they're more than sales marketing. Same exact deal and the idea is just recognizing this you're creating so much opportunity. We see this particularly with social media. We see this with podcast such as yours that this is a great way to engage younger generations who then index for talking about these things and driving awareness in referrals and excitement fire nation. So many things to take away here. One of my favorite things jayson broke down was specifically tech trends are rippling from the youngest. To the oldest. Like think about that shift. Think about that change. How the ripples actually going from the youngest to the oldest now which is a complete flip from how it used to be back in the day and one thing. I wanna really dial in on just because i'm personally curious and i think fire nation is to is this the up and coming generation now. Let's talk about generation z. Like who is generation z. And what do we need to know about them. Yeah absolutely so gen z. The key thing is that they're already twenty three or twenty four years old. So that's a good starting point and what we uncovered in our research and we publish. This is economy. Book is at gen. Z is the key thing we got all these research firms around the world to change their birth years. Gen z does not remember nine eleven and that is a huge deal because it's the biggest event for the millennial generation we call generation defining moment. But jesse doesn't remember it at all. They learned about it in school or heard about it from a parent or they watched the video on youtube. But it's not something they experienced and they're now twenty three twenty four years old so a huge event of the generation before they don't remember in fact they're they're covid nineteen is essentially their defining moment. This pandemic is the generation defining moment that they're gonna take with them and we talk about this a lot. So one thing is they. Don't remember kievan of a previous generation and the other is there. Cuban is happening right now. But what i think you're entrepreneurs will find super interesting is that we've been doing this. Study for the last five years called state of gen z and. It's our big study released every year. And what we've uncovered and we've seen it for five years in a row now is gen. Z is more practical or frugal with their money than previous generations. And this is shocking and when we dig into it what we find out is that gen z came of age around the great recession. And what do i mean by that. Their speakers are experts. Like you talked about earlier. This regurgitation people running around saying oh gen z struggled during the great recession in the workforce they were twelve and were not working right but instead what they did is. They saw their parents struggle. They heard their parents struggle. They know people lost their houses. They saw millennials drowning in student loan. Debt having back home a mom and dad and you put all that together and what you see is. They're very conservative or practical with their money. As a result they're driving double digit growth at stores. They like couponing they wanna know. They got a good deal. They want things to be a bargain. They want them to last a long time really have utility and what we see. The example. i'd like to give is a gen zero sixteen years old. We'll have a birthday party. They'll get fifty dollars. They're all excited it away. And then they'll go to their mom or their dad and say hey. Can i have fifty dollars. Wanna go buy something. Mom or dad will say but you just got fifty dollars. And they'll say oh. No that's my money your money. It's overseeing that so if you're trying to market to them you've got to understand their practicality with money we also see the gen z when we do values based research. What we find is for the last four years Their top concern was climate change. Or would they would call climate crisis in their own words. And so that's been the top that they've been looking for brand alignment and for entrepreneurs to get behind and so forth however in the last six months we are new study. Social justice has leapfrog. Climate changes their top issue. And it's significantly more now so all the sudden as you see the generation respond to events around them. You can sort of see how they're shaped so if you wanna make sure in line with their values you gotta know what their values are going. Even deeper on the employment side is people look to hire them. Gen z no is looking for stability. This one's this one's tougher for entrepreneurs. So i want to explain it. They're looking for stability in an employer. What do i mean by that. Gen z saw these layoffs. I heard the layoff. Seen millennials struggle and as a result they're looking for an employer that they view as stable. So it's interesting because they tend to automatically defined stability by being a big company. So they'll say. I want to work for a big company will say why and they well because they're stable and the truth is you and i both know that. Just because you're big company does not at all mean that you're stable and just because you're a small business doesn't mean that you're not stable so it's important that you message to them. We also found in our research is gen. Z is very much interested in benefits which is shocking given their age in fact two years ago. Twelve percent of gen z was already saving for retirement. Wow and yeah. That's crazy right and many of them already have an emergency savings account. These are eighteen year olds. That are taking up their phones showing us emergency savings accounts and it. Just it's such a different generation. I think the key here. Mrs so important for all the marketers who are listening our nation is at gen. Z is not millennials. Two point oh they are not millennials. Just more extreme. That's total bunk. People say that it is not true. Jesse is a completely different generation raised by different set of parents who has come of age only knowing social media it has always existed for them. That's why they trusted so much at the same time. They're more diverse than any previous generation. Different set of values different purchasing pathways. And now the key is they over index on influence because of how they use digital media and already twenty four years old fastest growing generation in the workforce today on a percentage basis. And they're gonna be the most important consumers to get right over the next ten to fifteen years. One thing that i assume and please correct me if i'm wrong. Because it's just an assumption but generation x. And millennials like this is like. I'm speaking of my generation's here that i cut kind of overlap. Both pretty closely. It's we came to like being seventeen eighteen years old and it came to money in debt. Just kind of close our eyes and kind of believed the rhetoric of. Hey you just have to go to college and it's going to be expensive and you're going to get college dad and that's okay and you're just going to be a paid off at some point in the future and now like millennials and gen xers just hammered with this dead. They can't payoff ten twenty even sometimes thirty years later because it was just brutal with the mountains of debt that people kind of blindly get into it. Seems from what you're saying. Generations not gonna kind of take that same approach in just blindly. Sign away their lives to this debt of secondary education in colleges and universities in the such. Is that true. Wow that is such an insightful. I mean you you are super pro do so yes. That is actually true What's interesting is when we studied student. Loan debt with millennials in particular. That's what we call an economic anchor. So what it's causing. It's actually causing millennials. Now this is wild to delay marriage kids and buying a home because of student loan debt and that has massive ramifications on all parts of the economy to everything from financial services whether or not. You're buying life insurance. You know the the homebuilding recovery like on and on we could keep going to income households. There's just there's so many things that are impact even ultimately the ability to take care of your parents later on so what we saw. Was that large student loans at delayed major life commitments which we which is what's happened as a result And by the way gen z will tell you they're not sure that if spending a whole bunch of money and college actually pays off his it remains to be seen right now for millennials. We were told. I'm a millennial. We were told getting the best college at an. Just get debt. And will all be worth it and then for a lot of it wasn't on the flipside. Gen z in our new. Study in this in this economy book because it's important to understand how thing about education gen z is trying to graduate from college with as little as possible ice which is super cold. They're also saying that they're looking. They're very interested in the employability of their career. So so if they go and they pursue a certain path. Am i going to be able to get a job in that path. Now by the way kobe. Nineteen has been a massive massive. You know challenge for that because there are people that were three or four years into college university you know. Maybe they're going to study retail merchandising. Well aren't hiring never hired for that role again or they studied. You know oil and gas and those aren't hiring whatever it is so all the sudden people who already had you know pretty heavy commitment are now realizing that that path isn't there for them but we are single. Gen z particularly during this experience. Right now is they're saying. Hey i want to make sure. I'm getting value for my education and raven seeing well if it's going to be online only i'd rather go to a community college or state school or somewhere else. Get some credits. And then i'll figure out. If i want to go back into the future maybe take a year off and then come back and so forth so there definitely much more conservative with debt when it comes to college university and by the way the other people who are more conservative are their parents boomers had to cosign on all those millennial loans just. That's my mom about it right. And that as a result for many millennials it was tough for them to pay it off on the flipside. Gen-x is going well. I don't know if it's worth it gen x. Gen z kids. You will not end up. Like those millennials so the that's also being weighed into the conversation now is college university worth it and then you add the layer of kobe. Nineteen is it worth it if it's nontraditional experience and you know i don't know the answer to that but it is something we're observing and now this is where it gets really interesting. So the oldest members of gen z. Those that are about eighteen to twenty four. They're bearing the brunt of this. Pandemic what i mean by that is in our latest study. That group was most likely more than any other generation to lose their job. Have a decrease in pay or have a shift in responsibilities meaning. They had to assume a job that they didn't sign up for where it gets interesting though is younger so my daughter is nine years old. Her name is russia Sushi is in fourth grade right now. She heard this is in the book in third grade. Her last end of the year project. Which i didn't know anything about Was she went and built a presentation. She built all and google sides. She built it all in spanish. She had animation. She presented it. She recorded it and then she uploaded to classroom and she thought that was completely normal. She's nine and then of course. You saw one of my powerpoint slides. He's not very good. So i say that because the younger members of gen z. This is the real twist here. They might end up turning this pandemic into a positive. Because they're going to learn a whole different way to learn to collaborate they're going to get the benefit of the older part of the generation struggling. So they can learn from them. All of this stuff largely will be resolved in terms. Of least what normal looks like in the future and so they're gonna get the benefit of all of that the closer you are to those transition years of eighteen to twenty four the worse is but the further away the more benefit could end up being you so it's pretty interesting that within the same generation you can have two very different experiences and by the way this is what happened. To millennials millennials like me who crashed into the great recession and then the millennials who came afterwards who benefited from a very robust economy. So even within the same generation you can see pretty significant differences. I mean fire nation. I really hope you're enjoying this contest. Much as i am. Because i'm seeing the application to the real world and that's so important because we're entrepreneurs in the real world. We own businesses and companies in the real world in this stuff makes a massive impact so jason of everything that you shared today. What's the one key takeaway that you really wanna make. Sure fire nation gets from all of this awesome stuff above generational impact and the generational studies. That you've done and then share how we can even learn more about it through you and any call to action. You might have for fire. Nation is time to share. Yeah absolutely so the number. One thing that i would share. You know as an entrepreneur myself now for twenty four years is i would do. It's called a generational snapshot and what that means is you create essentially a pie chart representing the different generations. Either of your customers or of your employees or team members or ideally of both. Because what you'll often find is that there's more generations and you suspect it and it will help you to shape your messaging your leadership in your marketing to better fit them and going a bit further if you don't see enough of the next generation coming in particular on the customer side that's definitely a yellow flag that you need to pay attention and make sure that your dappling for the next generation because they will be the ones that drive growth. So that's the best easiest how to that will cost you zero dollars that a promise will make you money. Which are the type of things i'm all about. And if you want a whole bunch more in terms of how to actually recruit and retain motivate and so forth across generations or market and sell. You can definitely check out the new book. It's called economy. How gen z will change the future business and what to do about it. We do talk about all four generations and just packed with how to in case studies and all kinds of cool stuff and we'll put together a special promo for fire nation. New it be on my website. Which is jason dorsey. Dot com slash. Fire you'll be able to get all of that. They're including three free video courses. Because i am a passionate entrepreneur. Have been for a long time. And anything i can do to help them. Nation will fire nation. You are the average of the five people you spend the most time with and you've been hanging out with j. d. n. j. l. d. So keep up the heat and head over to your fire dot com type jason in the search bar. The page will pop up with everything that we've been talking about today. But of course jason. Dorsey dot com slash. Fire is gonna get you to that gray page with all that awesome content. And i just wanna jason. Thank you for sharing your truth. Knowledge value with fire nation. Today
How Mental Health Affects Life Insurance: An Interview with Laura Boylan
"I'm chatting with laura boylan head of underwriting solutions for hayden life insurance agency as the head of underwriting solutions at haven life insurance agency which is backed and wholly owned by mass mutual and has a fully digital life insurance new business process she works to get their processes straight and does so much for the company. She lives deep in the weeds of medical behavioral and financial risk data with a laser focus on execution in operational optimization. Lorries laura's studied applied mathematics at harvard. College and his fellow the society of actuaries. Thanks for coming on the show. Laura thank you so much for having me. I'm very excited to be here. Yes i'm so excited to demystify some things around mental health and life insurance and also just provide this as a resource for some people who may not know what life insurance is how it can help so first. Let's dive right in say you know. Can you share. What exactly is life insurance. And how does it work to life. Insurance is a financial instrument that is used to provide financial support insecurity. If somebody passes away so i'm really common use case. Is that apparent. Get a life policy so if something happened to them their spouse and children would be taken care of financially. There are a few different types of life insurance. The most common and simplest type is called term insurance and essentially you pay a fixed amount of money every month or every year for a set period of time ten years twenty years and if you within that timeframe a benefit amount is paid out your beneficiary and just like car insurance. If you don't die in the timeframe your policy ends you. Don't get your money back but you did have peace of mind. During that period out there are much more complicated types of life insurance their permanent policies that last your whole life not just a term period and those come in flavors like whole life and universal life and variable universal life. The complexity can really increase dramatically. Additionally there are different ways the policies can be underwritten and that impacts the price that someone's gonna pay for a policy on one end of the spectrum. You have fully underwritten policy which is tailored to individual risk Usually takes a little bit more effort to apply and get approved but ends up having the cheapest premiums you can have a simplified issue policy where the evaluation and reselection as much simpler. But you pay a little bit more for the convenience you can have a group policy which is typically what's offered through an employer where entire group of people are evaluated based on their aggregate risk. You can have guaranteed issue where there isn't any underwriting and he can get it but it's typically limited too much lower face amounts in higher premiums and then there are some differences in the type of benefits that are paid so our term product haven life is a term product that covers most causes of death. They're also accidental death policies. That only cover you if you die from an accident and not a disease. So those are some of the major differentiator is between various types of policies. Understand so life. Insurance is a tool that can be used to protect families financially. If the breadwinner passes way if a major source of income is suddenly gone. Can you explain a little bit. The difference between whole life and term and the pros and cons. I know that's kind of a lot. But just curious for our audience. A brief discussion on a. It's a really important question. I personally have term life coverage. It's a great solution for someone who's looking for the most affordable protection for their family and only has a limited need so if you want coverage to cover the length of your mortgage or will you have kids living in the home but you might not necessarily have an ongoing need once your kids are in college and mortgage is
What's Negative About Positivity?
"No i i think that actually compensation is a. I mean we can. We can go right into that. Accent comes from south africa. Which is where. Susan grew up now. She lives outside of boston because she works at harvard. Medical school susan has been saying for her entire career that we need to quit pretending that everything is fine when it isn't that we need to stop suppressing the truth to maintain the illusion of happiness or to simply preserve the comfort of other people in other words toxic. Positivity can go to hack but really if we think about toxic positively in. Its most salient form. What is it. It's an avoidance coping strategy. It's avoidance win. You are either telling other people just to be positive. You are basically saying to him. My comfort is more important than your reality and we are also saying them. There is no space for your humanness. But here at this podcast. There is space for your humanness and we'll start with susan's humanness. Because she's not just an expert in a living in alone expert island. She's a person and she experienced the effects of toxic positively in a very extreme way when she was just fifteen. My father who was dying of cancer was somehow in a very vulnerable position and he was somehow persuaded by many people around him. That having life insurance and this is gonna sound extreme was a sign that he wasn't positive and that he didn't have enough faith. The fact was that susan's father had terminal cancer. The end was evident but death. Grief sadness all the natural feelings that surround in death those were categorized by some of the people around him as bad feelings. I remember coming into my father's room one day and he was sobbing and he was loving because people from his church head basically given him a speaking down for not having enough faith and that he was bringing the sing on himself and of course he vulnerable and he should've known your oldest things but when you are different you are desperate so with the diagnosis of terminal cancer with three young kids and a wife. Susan's father did the only thing in his morphine induced foggy nece and desperation that he could do to prove that he had enough faith that god would take care of him. He cancelled his life insurance when he died susan her siblings and their mother were left with nothing and with a whole lot of grief and our coal in the days off to he died going to school and really putting on the face. This brave face of you know. I'm a k. And became the mazda of being k. People plays musical being strong. They loaded me for not dropping my grades but you know in truth at harm. We were struggling. My mother had lost truly love of her life. My father hadn't been able to keep his business going and so we were really in financial dire straits and i started as a young child to really numb this pain again. Through the denial. And one day i recall the absolutely remarkable english teacher who handed out these blank notebooks to the class and she had this invitation and it was an invitation to the class but it felt like it was directed at me. She said right. Tell the truth rock like no one is reading. A lot of things happened. A susan began to right like nobody was reading. The performance of fine didn't exist on the page. She could move beyond what she thought was expected of her as a grieving daughter as a good student and get into the truth we have so many narratives in society about what grief should be people. Say things like you know. It's all for the best and is on of these ways that we try to almost conspire against the reality of people's authentic experience and so for me right like no one is reading and right. What phil was really an invitation to move into the space of regret. I regretted the times that i hadn't spent with my heart. I was experiencing a huge amounts of psychological pain. But i was also starting to remember the times that i was connected with ungrateful for and i think that's really what shaped my work. This recognition that on the one hand. We have the rigid denial around so many of our human emotions and on the other that when we go to these emotions that we can actually grow in such incredible ways from them. What
Front Desk Success with Jerry Durham
"Well, hey Jerry, welcome to show. How are you? I'm very well. How are you doing this beautiful? All day I can't complain. It's a Friday, right? Exactly. All right. So for those who don't know who Jerry Durham the PT is why don't you give us a little background on yourself off? What do we got? We got 27 years in the as a license pts for twenty-seven years in the profession. I early on worked in just about every month in there was except for Pediatrics and neuro rehab for about the first five to six years of my career and then finally went out on my own and then partnered up and down that Journey was about twenty year journey of business running a broad. I mean back up running a practice in a clinic and then running a business and then break out of that about five years ago now. Yeah, I think it's about five years. I get I get lost in the story but about five years ago and now working on basically wage. A game for lack of anything else taking everything I learned in hindsight from those twenty years and going here's the way you here's the way I did it wrong don't do this. And as you age both know and most people listening to this Healthcare tends to focus on the providers primarily and my big takeaway where I am now is this understanding this whole experience of the team roll the team role in patients success the team role and business success, you know, patient experience patient life cycle all those things and that's what I'm doing now. So yeah, it's been a long it's been I mean, it's been a long freaking journeyman twenty-seven years a long time. Yeah. Yeah, you've got a whole bunch of experience and I think it at one point I I found out about you cuz I was listening to a podcast years ago about you've taken your practice which was in network and then pulling into cash and all that and the importance of obviously understanding your patient relationship cycle your patient life cycle, whatever whatever you want to call log. To convert those patients to get them to come in and stay. So tell me a little bit then about your company you run now, it's called the client experience company. Right? Right. So back to what you said just for context for everybody about twelve years ago where and by the way, I don't tell this story as the guy who walked up the hill and snow both ways to school and just for context and I'm not here to say it's easier now, it's harder now. It's anything I just want everybody to understand so about twelve years ago, right? I went out and network and no joke people that nobody even knew without a network box. Right? Nobody was using the word cash practice cash PT everybody, you know, if there was a cash practice it was like a dinky little office with a dinky little person who like had all their clients were judged according clients. Yeah, like 10 people, right? So we made a business decision to go out and network. It was strictly business. Can't remember who the first I think it was wage. That was our first contract that fell below our cost of doing business. So I was like it was an easy. This is what's funny. It's you know, you read all these things and people like I don't know what to do. Do I take insurance or life insurance. I'm like, it's a business decision. It's based on your client and write what you need to generate to pay your bills if Blue Cross is contract is $75 per visit and it costs you $80 to deliver care. That's a no-brainer. I can't yeah exactly at work with them. So twelve years ago, and that's really where the Where I look back and reflect where I was like hm. I gotta do something different and that's where this all patient experience thing and the front desk and then realizing which probably a lot this is the beauty every time I do this like every year that goes by more people are nodding their head going. Yeah, I get that and I'm like, that's cool because when you're ago two years ago three years ago people like I did not get it or that's not true. But this understanding that you know, if If Jerry calls your clinic that that first touch point right the front desk the journey starts there. So the patient success starts Thursday the business success. It's I call it I caught the entry point to the business everybody, you know used to be used to be everybody thought the entry point was well when when they get in the room with the provider with Brad and I'm like, yeah that first experience with the clinician, right? Yeah, and that was already goes I went through that right? Oh, yeah, and I went through that for a long time in my business. We're all I cared about was the providers right home. And so, you know just learning the value of all of a sudden wait a minute we managed and set expectations before they arrived we build trust before they arrived what I call a team Alliance instead. They're reputed client and while look at this magically here's the beauty of it patient numbers improved and buy pay sorry patient measurements patient success. So, yep. Getting better people happier all that stuff improve yet. Then my business metrics change. So I was like what's going on? Right? And that's been that last twelve thirteen years. It took me all that time to start equating. This change here was because of this right going further Upstream. It was like, wow, we changed the first phone call and we stopped getting billing complaints. It wasn't a billing issue. So things like that and that's off the company the client experience company does right we come in we look at the whole kit and caboodle. We look at your whole process, right? Do you understand who your ideal client is do you understand and it could be multiple. Do you understand what you're serving them with right? Cuz no man. Nobody wants physical therapy, right? Everybody wants a solution and then looking at the life cycle and then look up the system's you've built in to create an experience that you want your clients to help
AIG Names Zaffino to Succeed Duperreault as CEO; Will Spin Off Life Insurance Business
"Its next CEO, indicating he'll run a smaller and simpler cos. The firm splits off its life insurance business shares up now by 3%. After ours, Tulio