Latest / Motion and Success / Everyone Needs Life Insurance (How I Make $100K/Month Selling It) Ft. Shjondel Curtis

Transcript

Everyone Needs Life Insurance (How I Make $100K/Month Selling It) Ft. Shjondel Curtis · Motion and Success

0:00
[SPEAKER_04]: There's one thing for sure that is going to happen in everybody's life, we're going to pass away.
0:06
[SPEAKER_02]: You'll be surprised things that are as simple as the money that's in your pocket right now, the car that you drive, the money in your bank account, all of that golden to probate.
0:14
[SPEAKER_02]: They don't care about what happened to mom, sorry for your loss.
0:17
[SPEAKER_01]: You think your family is protected, but without one specific document, the state could take everything you worked for.
0:23
[SPEAKER_02]: When it ended up happening was back in 2021, my father passed away.
0:27
[SPEAKER_02]: And at this point of time, I'm six years into my life insurance career.
0:30
[SPEAKER_03]: I thought that was the end of the conversation, right?
0:33
[SPEAKER_03]: Like, she passed away and she owed a bunch of tax, tax money and whatnot.
0:38
[SPEAKER_03]: You can't avoid them.
0:39
[SPEAKER_03]: Our family, they're thinking that they're going to get some of this money.
0:41
[SPEAKER_03]: They didn't owe the contact.
0:42
[SPEAKER_02]: Reality it was just a big dispute that we received the information.
0:45
[SPEAKER_02]: We got their various names They're last name.
0:47
[SPEAKER_02]: We got their address their phone numbers.
0:49
[SPEAKER_02]: The county insurance office came back on the door.
0:51
[SPEAKER_02]: So he lost the home.
0:52
[SPEAKER_02]: He lost the home.
0:53
[SPEAKER_02]: That's crazy.
0:54
[SPEAKER_02]: There are assets that we don't even know about that we are entitled to land.
0:58
[SPEAKER_02]: Granddad at a thousand acres somewhere in Kansas that he never really admitted anything about right.
1:03
[SPEAKER_01]: Most people work their whole lives, but one missing document, one unseen process, can erase everything they thought they were leaving behind.
1:11
[SPEAKER_04]: A lot of people can't even afford to die, they can't even afford to live as well.
1:16
[SPEAKER_02]: I would say life insurance is a leg to the body of a state plan.
1:21
[SPEAKER_02]: Do your set of instructions in terms of what to do, what to follow.
1:24
[SPEAKER_02]: Ultimately, it's like how to carry out my legacy.
1:27
[SPEAKER_02]: I want you guys to move forward without me.
1:28
[SPEAKER_03]: What's going on, family, it's Iowa and Cody, and today's episode is sponsored by mailbox millionaire Academy, the number one credit and business by mentorship in the country.
1:40
[SPEAKER_03]: mailbox millionaire Academy teaches high-level entrepreneurs and first-time business owners how to buy small profitable businesses that already work.
1:50
[SPEAKER_03]: Businesses with systems, cash flow,
1:53
[SPEAKER_03]: real customers already in place.
1:56
[SPEAKER_03]: And the best part about it is if you don't have the money, you can use creative, finance, strategies, you'll get inside the academy.
2:04
[SPEAKER_03]: Let's be real, yeah.
2:05
[SPEAKER_03]: Most people want to get into commercial real estate.
2:08
[SPEAKER_03]: but they don't want to deal with tenants, trash, and toilets.
2:14
[SPEAKER_03]: That's exactly why you need to understand self-storage facilities.
2:19
[SPEAKER_03]: The number one performing real estate based business model in the country.
2:24
[SPEAKER_03]: With self-storage, you get appreciation.
2:27
[SPEAKER_03]: The value goes up.
2:29
[SPEAKER_03]: You get equity ownership and monthly cash flow, but the best part about it without tenants living in your property.
2:39
[SPEAKER_04]: And here's the wild part, 90% of businesses fell within the first 10 years.
2:44
[SPEAKER_04]: Sell Storage has a 92% success rate.
2:48
[SPEAKER_04]: Most people also think that hey listen.
2:50
[SPEAKER_04]: In order for me to get started I need a lot of money and I'm here to tell you guys that is absolutely false because my God-wromel new world's the lead instructor at mailbox millionaire academy literally teaches people how to buy their first sell storage business with little to no money out of pocket and right now
3:10
[SPEAKER_04]: Right now, he's giving away a free intensive training.
3:14
[SPEAKER_04]: All you have to do is text the word motion so that's MOTION to the number 347-429-6496 to get instant access.
3:28
[SPEAKER_04]: Again, text the word motion so that's MOTION to the number
3:34
[SPEAKER_04]: 347-429-6496 and tell him, listen, you can't find the motion in success family so that way you can bless you guys.
3:44
[SPEAKER_04]: Let's get back to this episode because this one is going to be a banger.
3:47
[SPEAKER_04]: All right y'all so welcome back to another episode of motion in success.
3:50
[SPEAKER_04]: Listen guys, my name is Cody Brown and I got my co-host for me today.
3:54
[SPEAKER_03]: It's Io and bro, we coming back with another fire episode, another great episode, another great guest.
4:00
[SPEAKER_04]: Another great guess, another banger episode that you need to tune into because here's a deal, right?
4:07
[SPEAKER_04]: There's one thing for sure that is going to happen in everybody's life.
4:12
[SPEAKER_04]: We're going to pass away, right?
4:14
[SPEAKER_04]: That's not the most easiest and the best conversation that a lot of us want to have, but it's a necessary conversation that we have to have, right?
4:23
[SPEAKER_04]: We also talked to somebody before and she said, listen, you know, when it comes to having
4:30
[SPEAKER_04]: You're good on me because now you're helping the people that you love just by making a simple decision today.
4:36
[SPEAKER_04]: So if you want to go ahead and save your family and write them a love letter, this is going to be the conversation because we're going to talk about all of the things on how you can preserve wealth, how you can go ahead and help your family because insurance, specifically, life insurance is definitely a number one thing.
4:52
[SPEAKER_04]: Also, we're going to talk a little bit more about money and how you can start generating income.
4:57
[SPEAKER_04]: in the life insurance industry.
4:59
[SPEAKER_04]: So listen, here's what I want you guys to do.
5:01
[SPEAKER_04]: Stay all the way until we say I see you guys in the next episode because there is going to be this one gem, one piece of information that is going to stick with you.
5:11
[SPEAKER_04]: So listen guys, without further ado, let's go ahead and introduce our guests for today.
5:17
[SPEAKER_04]: Sean Del Curtis, Mr. Curtis, go ahead and introduce yourself.
5:22
[SPEAKER_04]: Tell a people who you are and how you help them.
5:24
[SPEAKER_02]: I appreciate that.
5:25
[SPEAKER_02]: First and foremost, I just want to give God all of us glory to have partner with you guys and also want to thank you for allowing me on your platform.
5:32
[SPEAKER_02]: I've heard your guys back story and it's amazing how just true brothers coming together just by coincidence, not even planning it all the way out, but more of us all just you guys have grown a great platform and excellent guests have had a lot of gyms and jewels dropping your episode.
5:47
[SPEAKER_02]: So I just want to say thank you for allowing me to actually speak with you guys.
5:50
[SPEAKER_02]: So I just want to give you guys your flowers.
5:51
[SPEAKER_02]: Appreciate you.
5:52
[SPEAKER_02]: Our work definitely pays off.
5:53
[SPEAKER_04]: And not only just us, bro, but you've been doing a lot of great things in your business and over the past decade, you know, so definitely the show is going to be about you.
6:02
[SPEAKER_04]: Today, you know, we definitely don't highlight what you got going on.
6:07
[SPEAKER_04]: Let's jump straight into it.
6:09
[SPEAKER_03]: Yeah, that's definitely jump straight into it.
6:10
[SPEAKER_03]: So I like to really get into the backstory.
6:13
[SPEAKER_03]: You mentioned something to me off camera.
6:16
[SPEAKER_03]: What was life before you jumped into the life insurance game?
6:19
[SPEAKER_03]: Like, where were you before?
6:21
[SPEAKER_03]: And then how you ended up transforming yourself to be that person to get the success you got now.
6:26
[SPEAKER_02]: It's funny you mentioned that because it's, um, before I got into life insurance, I was actually a college student.
6:32
[SPEAKER_02]: I was in college.
6:34
[SPEAKER_02]: Um, I had just finished graduate, uh, finished undergrad.
6:37
[SPEAKER_02]: I was one year in the process of my, in master's MBA, master's program.
6:42
[SPEAKER_02]: As a result, um, during, you know, college years was fun and all that stuff, but at the same time, most college students when you're acts of what do you want to be when you, you know, what do you, what do your plans after you graduate?
6:51
[SPEAKER_02]: You really didn't know.
6:52
[SPEAKER_02]: I had a mother, someone who was like a second mother to me.
6:57
[SPEAKER_02]: I'm originally from Oakland, California, and I was once again with the college in Houston, Texas.
7:01
[SPEAKER_02]: So I had a friend of mine and his mother was successful.
7:04
[SPEAKER_02]: She was a tax firm and she was also running for politics for running for council woman as well as a US representative.
7:12
[SPEAKER_02]: So I got to experience that as well.
7:13
[SPEAKER_02]: So over the years, we had grown a relationship during undergrad.
7:17
[SPEAKER_02]: And believe it or not, I'm a just be transparent.
7:21
[SPEAKER_02]: a week before I talked to her, I was having a competition with my older friend of mine, who also would call the student.
7:27
[SPEAKER_02]: While he, him and I buttoned to each other, that we were just talking randomly, he says, yeah, you know, I was out last night and I ended up meeting a guy and he said, you know, show me, he told me he made a check.
7:39
[SPEAKER_02]: He showed me a check and he made $16 million in life insurance.
7:42
[SPEAKER_02]: That just stuck in my mind, right?
7:44
[SPEAKER_02]: Fast, that just normal conversation I'm gonna give you guys.
7:48
[SPEAKER_02]: Fast for a week later,
7:51
[SPEAKER_02]: I would say, you know, my second mother, she was telling me, so hey, what do you want to do when you graduate?
7:56
[SPEAKER_02]: I didn't know, I was just like, you know what?
8:00
[SPEAKER_02]: Someone told me to make a lot of money doing life insurance, all right?
8:03
[SPEAKER_02]: So she stopped the conversation, she pulls out her phone and she calls a guy and I'm literally pushing the phone to my ear.
8:10
[SPEAKER_02]: And out of respect for her, I naturally had respect for the guy on the phone who I didn't know at the moment.
8:15
[SPEAKER_02]: As a result, you know, hey, my name is Sean Doe Curtis, I was interested in life insurance.
8:19
[SPEAKER_02]: You know, right, right, a mutual relationship and I just wanted to know if I could, you know, come see what you do or like, like, like, what, like, what are you talking more about it?
8:26
[SPEAKER_02]: Right.
8:27
[SPEAKER_02]: He invited me out to a conference to one of their office meetings, maybe like two, two days later.
8:32
[SPEAKER_02]: So from grad school and the middle of grad school, I went out to this.
8:35
[SPEAKER_02]: I think I had missed class that day or skip one of my classes one of that day or that day.
8:39
[SPEAKER_02]: And as a result, I get to the sales office, I get to their office, and it's a sales meeting.
8:44
[SPEAKER_02]: And so they're rallying off big checks, there's kids that look like me, you know, there's, you know, yeah, everyone's young, everyone's making money.
8:52
[SPEAKER_02]: But when I got to the parking lot, it's Mercedes, it's all kind of different things in the parking lot.
8:56
[SPEAKER_02]: I'm like, this is like, y'all really doing the thing over here, right?
9:00
[SPEAKER_02]: So I got to come get a piece of this action.
9:02
[SPEAKER_02]: Anyway, that sparked the licensing process.
9:07
[SPEAKER_02]: coincidentally, I had that guy with his name was Lawrence.
9:13
[SPEAKER_02]: Lawrence was such a big help for my life insurance career because I don't need it.
9:16
[SPEAKER_02]: He got to show me the end of the office stuff, you know, the office, you know, office processes and everything.
9:24
[SPEAKER_02]: At the same time, I would spend five days out the week at Lawrence's house.
9:28
[SPEAKER_02]: So I met as kids, I got to sit down with them, have dinner with them, all that it just became a relationship, right?
9:33
[SPEAKER_02]: And so as a result, that's really where my sales skills and chops and things like that really came from, just to give them a shout out.
9:40
[SPEAKER_02]: And yeah, that's like I said, that all just kind of guy started there.
9:44
[SPEAKER_02]: And at the same time, I thought it would be easy.
9:45
[SPEAKER_02]: I thought it would be super, you know, just take all of right away.
9:48
[SPEAKER_02]: And it was definitely a humbling learning process.
9:52
[SPEAKER_02]: So I've made a lot of money.
9:53
[SPEAKER_02]: My first year, I made six figures.
9:58
[SPEAKER_02]: Like, it was no turning back.
9:59
[SPEAKER_02]: If you wanted me for me, it was like, I'm locked in.
10:01
[SPEAKER_02]: Like, I've always thought I was the people's person in.
10:05
[SPEAKER_02]: This was the perfect way for me to express that.
10:07
[SPEAKER_02]: Yeah.
10:08
[SPEAKER_03]: So before you got into the Life Insurance game, did you have your own misconceptions about life insurance?
10:15
[SPEAKER_03]: Like, and then being that you're in the game now and you're helping people get life insurance policies?
10:25
[SPEAKER_03]: What are some of the things that you say to them?
10:28
[SPEAKER_03]: To kind of shift that mindset from hate all about death or
10:31
[SPEAKER_03]: Hey, you know, it's no real benefits for you know for it when you're living like what is some like what is some some of your strategies and how do you even change your own mindset to his life insurance Yeah, great question two major impacts happened in my life so at first when I first got into life insurance I had similar conceptions, you know, I only knew about life insurance from
10:52
[SPEAKER_02]: what we were taught, you know, you pass away, you receive a death benefit.
10:56
[SPEAKER_02]: I do remember when I was younger and when I was maybe early adolescence.
11:00
[SPEAKER_02]: I had a guy who would come to my grandmother's house, his name was Curtis.
11:05
[SPEAKER_02]: And he was in like this.
11:06
[SPEAKER_00]: He was in Curtis.
11:09
[SPEAKER_02]: Now coincidentally during this time when my grandmother got rest of her soul.
11:14
[SPEAKER_02]: The actual insurance guy would come by and collect the money.
11:16
[SPEAKER_02]: He would actually physically cash from our clients, and send that money off for the insurance companies.
11:22
[SPEAKER_02]: That no longer happens anymore in terms of like collecting cash.
11:26
[SPEAKER_02]: Most times when you agent comes to your door, typically an application process, but it's no cash exchange, anything like that.
11:32
[SPEAKER_02]: Fast forward.
11:34
[SPEAKER_02]: So, you know, outside of Curtis, you know, and once again, I'm only seven, eight years old, we just know when Curtis pulled up in this nice car and collects money from grandma and he pulls off and everybody says buy a to him.
11:44
[SPEAKER_02]: So, you know, outside of that, I have the same, you know, misconceptions, you know, life insurance is really just that it's a main benefit or it's main talking point is you receive a check when someone passes away and it takes care of final expenses or, you know, put some family, put some money in the family's pocket and that was, like,
12:03
[SPEAKER_02]: also realize even as years until my insurance career that that's all that you need it, meaning life insurance is like that final phone calls and what passes away, takes care of the bills and you collect the money and you kind of move on with your life kind of figure things out from there.
12:19
[SPEAKER_02]: When it ended up happening was back in 2021, my father passed away.
12:23
[SPEAKER_02]: And at this point of time, I'm six years into my life insurance career and I thought that I've been up in front of my life insurance for years.
12:32
[SPEAKER_02]: I thought that was the end of the conversation, right?
12:34
[SPEAKER_02]: Like what I soon very soon found out is, um,
12:39
[SPEAKER_02]: As, once he passed away, there's a whole legal process that occurs, even though you have life insurance.
12:45
[SPEAKER_02]: There's a whole legal process called probate, that probate process can take anywhere between six months and three years.
12:52
[SPEAKER_02]: If you have things properly set up, or if you don't, it could be a little bit longer.
12:56
[SPEAKER_02]: But it was at this moment, I realized, wait, you need more than life insurance, like there's more to it.
13:01
[SPEAKER_02]: And so as a result, that's what prompted me to writing my very first book.
13:06
[SPEAKER_02]: How to properly die because it led to what ended up happening was my father.
13:11
[SPEAKER_02]: He was a A maintenance man for the city of Richmond, California, and so as a result he was coming home one day and as he was driving He lived the Sacramento, California and as he was coming home.
13:21
[SPEAKER_02]: There was a woman She had Alzheimer's and dementia.
13:23
[SPEAKER_02]: She was driving backwards on the highway So we had to head on collision and he ended up passing away So it was an accident.
13:29
[SPEAKER_02]: It was all of a sudden No one ever in the office of life insurance no one ever told me about a state planning or told me about
13:36
[SPEAKER_02]: Um, you know, having paperwork or a wheel or trust, it was just, you know, go sell policies and, you know, help them with life insurance.
13:43
[SPEAKER_02]: As a result, once he passed away, I found myself in court needing an attorney, um, having a weight, like, it's, it took a very long time for everything for the, for the, that's the final result.
13:53
[SPEAKER_02]: Keep in mind, um, respectfully.
13:55
[SPEAKER_02]: My father had multiple children in different households, you know, started off young.
13:59
[SPEAKER_02]: And he also was, um, was married legally.
14:02
[SPEAKER_02]: So as a result,
14:03
[SPEAKER_02]: You know, it was, you know, trying to conduct, you know, five different households to figure out this court case that we've all of a sudden randomly have to share and really figuring out like what the heck are we doing.
14:14
[SPEAKER_02]: So those two misconceptions, the second one being, you know, I thought that life and churches all that's needed, you know, you get some money, you know, you pay pay the bills and things like that and kind of just figure out life from there.
14:25
[SPEAKER_02]: No, there's a whole legal process that it creates after the fact, and it can get a little sticky if you have family, things like that.
14:31
[SPEAKER_04]: So what you're telling me that is life insurance is not only enough, but you have to have other things such as estate planning and other different things set up.
14:43
[SPEAKER_02]: 100% I would say life insurance is a leg to the body of estate planning.
14:49
[SPEAKER_02]: Life insurance can fund your estate or you know leave some money behind for your family.
14:53
[SPEAKER_02]: but you'll be surprised, things that are as simple as the money that's in your pocket right now, the car that you drive, the money in your bank account, the money in your ash tray, the wash on the wrist, the clothes, your hats, your PlayStation 5, what do you mean about that?
15:08
[SPEAKER_02]: Anything around you, all of that golden to probate, your MacBook Pro, all of that stuff.
15:14
[SPEAKER_02]: So imagine, you know, I've had people, I've had clients who,
15:17
[SPEAKER_02]: Family had money, but through crypto and if you guys know how crypto where you need crypto keys and crypto Yeah, that money's gone because the person who passed away had all the knowledge and so as a result You'll be surprised how that's crazy you'll be so surprised your YouTube account You probably you might monetize a YouTube channel and that YouTube channel
15:35
[SPEAKER_02]: goes into probate.
15:37
[SPEAKER_02]: Kevin Samuel's family receives his estate, his family received their, got that information back later, but I know some family, some friends and family are very close to this family and his estate.
15:48
[SPEAKER_02]: That stuff takes a process.
15:50
[SPEAKER_02]: It takes a while before that stuff actually gets settled in terms of who has the rightful ownership of over these things.
15:57
[SPEAKER_02]: And if you don't have paperwork in place, then you fall under the state guides of what does the court think that should happen or who should get what or where it gets maybe.
16:05
[SPEAKER_03]: Just crazy.
16:05
[SPEAKER_03]: It kind of reminded me, we had somebody, you know, in our show, this person was more so in the tax base.
16:10
[SPEAKER_03]: And they were telling us like, how a Reef of Franklin, she had a situation where she passed away.
16:19
[SPEAKER_03]: And she owe a bunch of tax money and whatnot.
16:22
[SPEAKER_03]: She didn't have a life insurance policy.
16:24
[SPEAKER_03]: So immediately when she passed, they were coming after her, their state.
16:28
[SPEAKER_03]: So her family, they think that they're gonna get some of this money, reality, it was just a big dispute
16:34
[SPEAKER_03]: And I guess the courts or whoever was going after her state.
16:38
[SPEAKER_03]: So I'm glad you mentioned a state plan as part and even having a life insurance policy because she didn't have one.
16:46
[SPEAKER_03]: A lot of people served.
16:47
[SPEAKER_03]: You'll be surprised.
16:48
[SPEAKER_03]: And what is your thoughts though?
16:50
[SPEAKER_03]: Because people were saying that because she was older, and she had pre-existing health conditions that she couldn't qualify for a policy or a real policy.
17:03
[SPEAKER_03]: What is some options for people that's like that?
17:06
[SPEAKER_02]: That is very true.
17:09
[SPEAKER_02]: There are times that sometimes a client has is in addition to things like that that I can't necessarily help with.
17:15
[SPEAKER_02]: And as a result, we have to come up with alternative strategies.
17:19
[SPEAKER_02]: Some alternative strategies, as of more recently, they have what's called guaranteed life insurance.
17:23
[SPEAKER_02]: where it kind of skips the underwriting process, but more over so what it does is it just guarantees them a minimum death benefit, typically between $5,000 to maybe $30,000 of life insurance, not necessarily a big premium, a big life insurance, but it gives them something which is enough to basically cover the services for final expenses and things like that.
17:42
[SPEAKER_02]: So things have changed since then,
17:44
[SPEAKER_02]: But I just want you to know that the difference between life insurance and the state planning is life insurance is going to help fund the state planning But like you were saying her catalog was jeopardized or family was left in disarray I don't only was it with the frankly Michael Jackson, you know, it was also a big you know, it's his probably probate court Processes is a typical wild in years So there's a lot of people that you know take off here in Atlanta, Georgia, you know There's a lot of people who randomly just don't you know randomly all of a sudden pass away and they're their families not properly protected with
18:13
[SPEAKER_02]: instructions kind of like that love letter because I mentioned you know that having that love letter or those instructions is critical outside of just life insurance.
18:22
[SPEAKER_02]: 100%.
18:23
[SPEAKER_02]: Hey, what's going on everybody?
18:24
[SPEAKER_02]: I'm sorry to break the episode.
18:26
[SPEAKER_02]: My name is Shondo Curtis and once again, I've been licensed in the insurance industry for the past.
18:29
[SPEAKER_02]: 10 and a half years.
18:31
[SPEAKER_02]: So far, we have built in a major agency, which allowed us to teach help and train other agents.
18:36
[SPEAKER_02]: People that want to become agents, or if you want to learn how to market your business, we have software that are all in one exclusive to financial service professionals that allow them to do email sequencing, marketing ads, as well as Google service ads that allow our clients
18:50
[SPEAKER_02]: to respond to people that are looking for their services through Google search engines.
18:55
[SPEAKER_02]: As a result, if you want life insurance, if you want to help marketing your agency, if you need help learning new strategies to how to earn more revenue for your services, please reach out to us at Shondo Caretis, across all social media platforms.
19:07
[SPEAKER_03]: All right, so yeah, we mentioned a read the Franklin and, you know, her situation and you also said Michael Jackson, you said a whole bunch of people to talk.
19:16
[SPEAKER_03]: Yeah, so so what is like, what it like for for people out there who, you know, like you said death is unpredictable, you know, but what's the best way to say, especially for breadwinners like what is the best way to set their family up, you know,
19:32
[SPEAKER_03]: In the event, you know, something does happen.
19:35
[SPEAKER_03]: Like, what is the perfect way to make sure your family is good for sure?
19:40
[SPEAKER_02]: Absolutely.
19:40
[SPEAKER_02]: Great question.
19:41
[SPEAKER_02]: So, in terms of, like, let's say, I will say a layman's way, so a two-part answer, right, of the fishman's way, a layman's way, meaning meaning for if you're a high net with individual, you definitely want to sit down with a state of planning attorneys, tax attorneys, people that can actually help protect the assets and give in proper instructions.
20:02
[SPEAKER_02]: Um, remove or, um, remove these assets, whether it be a home, um, bank account or whatever case may be, and then make an entity, the actual owner of these entities, so the owner, um, the entity itself has more control over the estate versus the individual, and also that's another way that they can buy press or maybe kind of side around the pro bait courts itself, kind of minimize the time that it takes to clear out pro bait.
20:26
[SPEAKER_02]: so that would be the ideal situation.
20:30
[SPEAKER_02]: In terms of a layman's way, having an actual wheel, something that is written down, even now we have a course called Legacy Blueprint, where we have a video box, an actual box that you open and inside it's a screen.
20:42
[SPEAKER_02]: And in that screen, you can record a video of yourself giving instructions to your family, and that actual can be evidence used in ProVaCore to give the course instructions in terms of terms of
20:51
[SPEAKER_02]: how you want your assets, laptops, whatever case may be to be settled.
20:55
[SPEAKER_02]: And so as a result, you know, just giving the layman's ways to have a simple wheel, giving the course instructions, or a time stamp to date it, no to rise, you can even take this down to a local court, a local county court office.
21:08
[SPEAKER_02]: Like for instance, Clayton County, enough of like 17 bucks, you can file this on county record so that way this wheel is actual legitimized and, you know,
21:15
[SPEAKER_02]: something as simple as 20 bucks, right?
21:18
[SPEAKER_02]: As a result, that's not going to be the full force of protection.
21:21
[SPEAKER_02]: Keep in mind, every one situation is a little bit different.
21:24
[SPEAKER_02]: The reason being, it kind of ties back to what I was saying about my story.
21:27
[SPEAKER_02]: So my father had different, different children, different households.
21:30
[SPEAKER_02]: As a result, because of a sudden accident, how the California Law System works is
21:36
[SPEAKER_02]: each individual child had legal rights to some of his to his to his properties.
21:42
[SPEAKER_02]: As a result, it was a matter of, okay, who gets what?
21:45
[SPEAKER_02]: Like that part was never written down.
21:46
[SPEAKER_02]: Like, we had to figure out, go to the courts and figure out, you know, what timeline or who came first, who came third, it's a mess, right?
21:55
[SPEAKER_02]: So as a result, on a simple surface level to think that, okay, a will is all that you need.
22:00
[SPEAKER_02]: That's one way of looking at it.
22:02
[SPEAKER_02]: At the same time, it depends
22:05
[SPEAKER_02]: I know people who've had expouses, people that have no children, people that have, I know for my father's for instance, my father was never a rich man living at the same time because of that accident.
22:21
[SPEAKER_02]: his passing, he was worth millions of dollars.
22:24
[SPEAKER_02]: So, money that came from none of us knowing from, you know, none of us predicted that, right?
22:30
[SPEAKER_02]: At the same time, it was like, dang, you'll be surprised sometimes.
22:34
[SPEAKER_02]: You are worth, you know, you can, it's such a wish that you can, a person can't be worth more, you know, past than at a life, which you just never know how the situation can alter and out.
22:44
[SPEAKER_02]: So they have different types of wheels, different types of trusts, overflow wheels, things that, overflow trusts, things that are anemic considered.
22:52
[SPEAKER_02]: Another crazy part is you'll be surprised people that have passed away and you know what also led from
23:00
[SPEAKER_02]: The life insurance goes down to like, well, what I've later found out was called Asset Recovery.
23:05
[SPEAKER_02]: So there's situations where a person may have had to ask it that you had no knowledge about or never was disclosed about.
23:11
[SPEAKER_02]: For instance, I have a guide, not that far away.
23:13
[SPEAKER_02]: Basically, his mother at the time of his mother passing, she was in the hospital, she had cancer.
23:18
[SPEAKER_02]: As a result, during her cancer treatment process, it took about a year, but over time, she did not pass in the way.
23:24
[SPEAKER_02]: When the happening was the sun, he didn't have any knowledge about the mother's paperwork
23:29
[SPEAKER_02]: the mortgage on the house or whatever case may be.
23:31
[SPEAKER_02]: So he was still staying inside of the home, but very shortly later, maybe three months later, the county insurance office came back on the door, notifying him that the house is being foreclosed on.
23:40
[SPEAKER_02]: As a result, he didn't have the money, he didn't have any knowledge about the focal's process.
23:44
[SPEAKER_02]: When the department was, the county did take the home from him and eventually just literally walked up the front door and kind of just, you know, try to figure out his life.
23:53
[SPEAKER_02]: So he lost the home, he lost, he lost the home.
23:55
[SPEAKER_02]: As a result, two years come by, two years go by.
23:59
[SPEAKER_02]: I ended up during the asset recovery process.
24:03
[SPEAKER_02]: I ended up reaching out to his daughter, his daughter gave me his phone number and he lived maybe about an hour away from me.
24:09
[SPEAKER_02]: I told him the whole story because I would call it him confirmed everything, hey, your mother had a house back in 2016, 2017 and when in the full closure, this happened, I just wanted you to know that you're legally entitled to a lump of money, but because your mother had passed away, they didn't know who to contact.
24:23
[SPEAKER_02]: And so as a result during this asset recovery process, he was the head of the estate.
24:28
[SPEAKER_02]: I allowed him to work with him with a few of the attorneys here in the Atlanta Georgia market.
24:32
[SPEAKER_03]: It's like overage or something like that.
24:34
[SPEAKER_02]: So I said that to say, and I, and I, and I, and I, we said, they said, they said the story to say that there are assets that we don't even know about that we are entitled to land right granddad at a thousand acres somewhere in Kansas that he never really meant to anything about right.
24:52
[SPEAKER_02]: So just this simple, you know, um, story ultimately how we got a guy to check.
24:56
[SPEAKER_02]: $55,000 from the overages, meaning when the house was sold in foreclosure, the county was only older, certain amount of that money.
25:06
[SPEAKER_02]: The remaining balance was old back to the state.
25:09
[SPEAKER_04]: So, I got two questions now.
25:12
[SPEAKER_04]: A lot of people have a million dollar policies, you know, once they pass away, the family gets to money.
25:20
[SPEAKER_04]: Now, what about the part that
25:22
[SPEAKER_04]: taxes you get what i mean like how to how to how does the family members save money on taxes or that way you know when they're when they're when when their family members die like they can actually gain some money you know i mean i'm just a second question is
25:37
[SPEAKER_04]: You know, let's talk about the first question.
25:38
[SPEAKER_04]: Let's just get that one for the first question.
25:40
[SPEAKER_04]: I feel like you're going to have a good response for sure.
25:42
[SPEAKER_02]: Yeah, taxes is something that I had to learn about myself.
25:44
[SPEAKER_02]: Like I said, you think that everything is just going to be and moved over to you.
25:48
[SPEAKER_02]: We're going to pick it up or something like that.
25:50
[SPEAKER_02]: No, during the probate process, taxes is definitely someone a secret representative in the courtroom, meaning they get first dibs on things that
26:00
[SPEAKER_02]: that, sure, your family had a house, very similar situation.
26:03
[SPEAKER_02]: The foreclosure process, taxes and mortgages, they had first dips on the actual asset the house.
26:12
[SPEAKER_02]: As a result, you can't avoid them.
26:14
[SPEAKER_02]: Now, coincidentally, my father's estate was taxed to some degree, but because it wasn't accidental death, that portion of it was not taxed.
26:22
[SPEAKER_02]: So in the process of, you are going to see the tax person, the best way to,
26:31
[SPEAKER_02]: I want to make very clear, I pay taxes and I'm suggesting that everyone pays their fair share of taxes.
26:37
[SPEAKER_02]: More over-so to minimize the tax situation, you definitely want to set up certain trusts or asset protections or different things and minimize the radius of it being in your name or a loved one's name, having an entity name that allows you to minimize certain things that gives these assets or entities instructions on how to carry out your legacy.
27:00
[SPEAKER_02]: You have to acknowledge that that like no one talks about, you know, you're going to pay taxes when you when you're when you're when you're when you pass away when you're here is taxes are crazy like I'm still I'm still learning.
27:14
[SPEAKER_03]: I'm going to be watching this right somebody's going to be watching this right and they're going to say.
27:18
[SPEAKER_03]: How do I know how much life insurance I need?
27:20
[SPEAKER_03]: You know, great question.
27:21
[SPEAKER_03]: You got $30,000 policy, $50,000.
27:23
[SPEAKER_03]: You got a million dollar policy, it's like how can somebody know how much life insurance they need?
27:29
[SPEAKER_02]: Great question, great question.
27:31
[SPEAKER_02]: So the best way to answer that question in terms of necessity is to cover the liabilities.
27:35
[SPEAKER_02]: For instance, let's say there's a mortgage on the house.
27:38
[SPEAKER_02]: Just for a number of sake, let's just say you've got a quarter of a million dollars mortgage on your home.
27:43
[SPEAKER_02]: You probably have a car and no, maybe there's some student loan debt, some credit card debt.
27:47
[SPEAKER_02]: If we'd tally up all of these different debts and liabilities, that would be the ideal number of necessity.
27:54
[SPEAKER_02]: The reason being is it clears out the debts as well as allows you to allow your family to keep these assets in their name and their possessions.
28:01
[SPEAKER_02]: Versus it going back or being what we possessed or foreclosed on.
28:04
[SPEAKER_02]: to the creditor or to the, you know, you know, the bank, the, you know, your card dealership, whoever the case may be.
28:12
[SPEAKER_02]: As a result, the necessity amount, the amount, the necessity.
28:16
[SPEAKER_02]: Ideally, you want to simply cover out clean out all debts.
28:18
[SPEAKER_02]: That would be like the minimum amount.
28:21
[SPEAKER_02]: On the same time, sometimes I have clients that say, hey, I'm looking to gift this individual, my spouse, my son, my daughter, I'm whomever, I want to gift him a certain amount of life insurance.
28:30
[SPEAKER_02]: And so that's a little bit different.
28:32
[SPEAKER_02]: Just as a natural desire to say, hey, I want to give someone an X amount of dollars to make sure that they
28:37
[SPEAKER_02]: can, you know, do what they do, things like that.
28:40
[SPEAKER_02]: So necessity and, you know, sometimes you have desire, I have a desire to give my family seven figures and things like that, the bare minimum amount, I would say is just covering the debts.
28:51
[SPEAKER_02]: You don't want to leave your family in debt paying off your old mortgages, paying off, you know, your car insurance, your car,
28:57
[SPEAKER_02]: Um, you know, loan and things like that, student loans, you'll be surprised how creditors will come after your family because of your previous debts.
29:05
[SPEAKER_02]: Things like that.
29:06
[SPEAKER_02]: Does that make sense?
29:07
[SPEAKER_04]: I would have never, honestly, I would say I would say no.
29:09
[SPEAKER_04]: I didn't think that would make sense for you.
29:12
[SPEAKER_02]: I just tried.
29:12
[SPEAKER_02]: Right.
29:12
[SPEAKER_02]: Right.
29:13
[SPEAKER_02]: Right.
29:13
[SPEAKER_04]: That's not my situation.
29:14
[SPEAKER_04]: This is what he had going on.
29:16
[SPEAKER_04]: This is the, you know, the way how he spent his money.
29:20
[SPEAKER_04]: Why are you guys coming after me?
29:22
[SPEAKER_04]: You know, I didn't even know that was really a thing.
29:26
[SPEAKER_04]: I wouldn't have thought the same thing as well.
29:28
[SPEAKER_02]: And once again, it all varies, but once again, just on the surface level.
29:32
[SPEAKER_02]: If you're living in someone else's home, like the gentleman I was telling you about earlier, naturally he would think he would inherit his mother's home being an only single child, but he started to pay the mortgage.
29:42
[SPEAKER_02]: So because he wasn't working, he wasn't, he was taking care of his mother, while she was in cancer treatment.
29:46
[SPEAKER_02]: You know, he lost his job.
29:47
[SPEAKER_02]: He was like, it's saving that he did have.
29:50
[SPEAKER_02]: He has to spend the time trying to save his mother.
29:53
[SPEAKER_02]: And now they still want money.
29:55
[SPEAKER_02]: They don't care about what happened to mom.
29:57
[SPEAKER_02]: Sorry for your loss.
29:58
[SPEAKER_02]: Yeah.
29:59
[SPEAKER_02]: You know, hey, so it's like, you know, push people into situations.
30:04
[SPEAKER_02]: That's what I mean by covering the basic minimum, you know, having that necessity.
30:08
[SPEAKER_04]: I do have a question for you.
30:09
[SPEAKER_04]: Say you have your book is name.
30:12
[SPEAKER_04]: What's the name of your book again?
30:13
[SPEAKER_02]: How to properly die?
30:14
[SPEAKER_04]: How to properly die.
30:17
[SPEAKER_04]: But when it comes to certain people, I've heard a term where they say a lot of people can't even afford to die, they can't even afford to live as well.
30:27
[SPEAKER_04]: So your thing is how to properly die, talk a little bit more about that, like what's the actual thought process in, you know, those kind of statements?
30:38
[SPEAKER_02]: Absolutely.
30:38
[SPEAKER_02]: The reason why I wrote that book is like I said, I was a life insurance for six years, thinking that,
30:43
[SPEAKER_02]: of a policy is all that you need it.
30:45
[SPEAKER_02]: And so once you, you know, someone passes away, click the money and your nation just told to move forward with life.
30:51
[SPEAKER_02]: One end up happening was that's when I was introduced to Probecourt or a state planning and things like that.
30:56
[SPEAKER_02]: That's what prompted me to not only tell my clients and really just give them some type of blueprint, some type of guide, especially if they were like a business owner or if they were an entrepreneur, if they had assets or whatever the case may be, how to properly protect themselves because I thought that Probec would be simple.
31:12
[SPEAKER_02]: I thought Probec would be quick, you know, it was an accident, he's no longer here.
31:16
[SPEAKER_02]: I'm the odors, he's the second odors, you know, we're all here like what what what what what's to do.
31:21
[SPEAKER_02]: It took three years for everything to dissolve and to finally, you know, get figured out.
31:26
[SPEAKER_02]: And so during that time, like I said, I wrote a book, I was like, I was inspired to write my book.
31:30
[SPEAKER_02]: How to properly die the the perfect guy to help minimize estate taxes for entrepreneurs and business owners and things like that.
31:37
[SPEAKER_02]: and just kind of really helping them understand that life insurance is not the end all be all.
31:42
[SPEAKER_02]: We want to make sure we have these love letters, these instructions in place.
31:45
[SPEAKER_02]: Um, not only, you know, a note under the couch or things like that, but we want to make sure that this stuff is filed by an attorney, if at least put on county record, um, instructions that actually give our family, um, versus keep in mind when someone passes away there and disarray there, you know, they're all over the place going on.
32:01
[SPEAKER_02]: Right.
32:02
[SPEAKER_02]: So at the same time, it's like,
32:04
[SPEAKER_02]: Here's set of instructions, and in terms of what to do, what to follow.
32:07
[SPEAKER_02]: And ultimately, it's like, how do carry out my legacy?
32:10
[SPEAKER_02]: How I want you guys to move forward without me?
32:12
[SPEAKER_03]: Yeah.
32:13
[SPEAKER_03]: So it's really a lot of like, you know, those go-fund me.
32:15
[SPEAKER_03]: It's a lot of the fish fry.
32:16
[SPEAKER_02]: So that's all the time.
32:18
[SPEAKER_02]: Oh, yeah.
32:18
[SPEAKER_03]: T-shirts, and it's crazy to see, it's just a lack of, you know, education on that part, you know, like they're missing out.
32:28
[SPEAKER_03]: They don't understand the real value that life insurance brings.
32:31
[SPEAKER_03]: So it was crazy.
32:33
[SPEAKER_03]: It's crazy to see and then you know you break it down the game It gives like more insight into see like you know this is something that everybody needs to have Because you just never know I do want to jump into you know Your job you know as you know jumping you know provide them these policies and things like that.
32:52
[SPEAKER_03]: So where does You know because I remember you mentioned you said you know you saw a life insurance agent, you know driving a nice car
32:59
[SPEAKER_03]: And that kind of like made you want to kind of jump into it.
33:02
[SPEAKER_02]: I love it.
33:03
[SPEAKER_03]: Not saying you don't have a passion for it, but you know, it shows that it pays.
33:06
[SPEAKER_03]: So where does that incentive come from that, you know, giving out these policies?
33:13
[SPEAKER_03]: How do you get paid?
33:14
[SPEAKER_02]: Great question.
33:15
[SPEAKER_02]: Great question.
33:16
[SPEAKER_02]: So just to make sure I answer the question, how do they just get paid or where do the passion come from?
33:21
[SPEAKER_02]: Oh, both, okay.
33:23
[SPEAKER_02]: So yes, Curtis, that always took out of my mind.
33:25
[SPEAKER_02]: Keep in mind, at grandma, you know, they were doing a time, you know, early 90s when everyone was at grandma house, all the kids were outside of the front yard.
33:32
[SPEAKER_02]: You know, that was, and then all the neighbors kids were on the front yard.
33:35
[SPEAKER_02]: So it was literally a block full of kids.
33:37
[SPEAKER_02]: So when Curtis would pull up in his nice car, you know, it was up Curtis, he's sick and five, but everybody, you know, the mutual in love.
33:42
[SPEAKER_02]: So that always took in my mind, even though I never heard of, I was only seven, eight, nine years old, never thought about being a life insurance person, right?
33:50
[SPEAKER_02]: So as a result, what ended up happening was when I got into insurance, I really saw the value that I was providing people.
33:59
[SPEAKER_02]: Like for me, when I was early teenage teenage years, I really wanted, I didn't have a title for what I wanted to do, but I wanted to help people financially.
34:09
[SPEAKER_02]: And I saw my mother struggle, some of my father struggle.
34:11
[SPEAKER_02]: People around me, you know, finances were always tight.
34:14
[SPEAKER_02]: And so I didn't know how to necessarily
34:16
[SPEAKER_02]: You know, impact people financially, but once I introduced a life insurance, I was like, yo, I'm really helping people.
34:23
[SPEAKER_02]: I feel good about what I'm doing.
34:24
[SPEAKER_02]: Yes, I'm going door to door at the time.
34:26
[SPEAKER_02]: In my early stages, I'm talking about life insurance.
34:29
[SPEAKER_02]: I'm talking about people brushing me off.
34:30
[SPEAKER_02]: People are like, you know, I get back with you.
34:32
[SPEAKER_02]: My appointments, no shows, things like that.
34:34
[SPEAKER_02]: But at the same time, I really saw the value of what I was doing.
34:38
[SPEAKER_02]: Um, especially because like I said, I've had other family members pass away in my life early on life insurance played a part, but I wasn't at the front of the table.
34:46
[SPEAKER_02]: Does that make sense?
34:47
[SPEAKER_02]: I was just one of the children of the background, but I still, you know, Uncle Bobby passed away, whatever, you know, things like that are things, you know, Uncle Patrick, I'm sorry, it passed away things like that and she just, you know, you're here about it, but you're not really necessarily.
34:59
[SPEAKER_02]: to see it up front.
35:01
[SPEAKER_02]: Being up front in the first putting policies in place, helping families understand the value long-term following up with those clients, being thanked.
35:09
[SPEAKER_02]: Thank you for that.
35:09
[SPEAKER_02]: My granddaughter's protected now.
35:11
[SPEAKER_02]: My daughter, my daughter what you did, you know, she wants to talk to you as well about her family.
35:17
[SPEAKER_02]: I'm like, okay, this is, this is working, like, okay, I'm just, I think I'm on my right path, right?
35:22
[SPEAKER_02]: Later on, when I first got into that sales conference with Lawrence, that sales meeting, and then I got my first check.
35:34
[SPEAKER_02]: It changed everything.
35:35
[SPEAKER_02]: So in the life insurance world, what happens is, and I can't speak for it.
35:41
[SPEAKER_02]: I've been both a captive and not captive agent.
35:43
[SPEAKER_02]: I started off captive.
35:44
[SPEAKER_04]: I was a captive agent.
35:45
[SPEAKER_02]: A captive agent.
35:47
[SPEAKER_02]: A captive agent typically they can only sell one company's life insurance products.
35:53
[SPEAKER_02]: As a result, you cannot just, you know, there may be a better, a better product on the market for that client.
35:59
[SPEAKER_02]: You can only talk about your version of policies and things that they can do.
36:03
[SPEAKER_02]: State Farm.
36:04
[SPEAKER_02]: Things like that.
36:05
[SPEAKER_02]: There's a few other agencies need to think like that.
36:08
[SPEAKER_02]: Ultimately, during that captive process, the compensation was a lot different than what I'm experiencing now.
36:15
[SPEAKER_02]: During that time, I think my very first check, I mean $1,000, I had a compensation for like about an hour.
36:20
[SPEAKER_02]: I was like, oh, yeah, this is nice.
36:23
[SPEAKER_02]: It's more of these, right?
36:24
[SPEAKER_02]: And it also, like I said, resemble from the other kids I were in, the sales office, man, there was a girl named Daisy.
36:30
[SPEAKER_02]: She was only 20 years old from one of the college's right across the street from ours.
36:34
[SPEAKER_02]: Um, she had checks for like 9,000, 10,000, I'm like, you know, the 20, you know, I'll just get started, right?
36:40
[SPEAKER_02]: Got my first thousand that confidence boost up in the air, you know, and eventually got to the point when I became one of two, meaning every week we would have sales competitions and things like that who would write the best.
36:52
[SPEAKER_02]: It was one guy named Alvin and it was me.
36:54
[SPEAKER_02]: So we would always be Nick and Nick.
36:55
[SPEAKER_02]: So we got to a point where I got good at, you know, I was passionate about what I was doing.
36:59
[SPEAKER_02]: I was good at it.
36:59
[SPEAKER_02]: I
37:00
[SPEAKER_02]: I see the benefit, I see how many people, so all of that being said, how does ages get paid, right?
37:07
[SPEAKER_03]: Yeah.
37:07
[SPEAKER_02]: So what happens is in the insurance world, there is a conversation and there's an agreed amount of money that's going to be paid monthly.
37:14
[SPEAKER_02]: What happens, let's just start for mathematics sake.
37:18
[SPEAKER_02]: I've made Cody.
37:19
[SPEAKER_02]: Cody says, hey, I got a hundred bucks.
37:20
[SPEAKER_02]: I want to set aside each month from my life insurance policy.
37:22
[SPEAKER_02]: Great.
37:24
[SPEAKER_02]: That what happens is the insurance companies.
37:25
[SPEAKER_02]: They say Sean.
37:26
[SPEAKER_02]: That's $100 times 12 months.
37:28
[SPEAKER_02]: That's $12, $1200 that you made for that sale.
37:31
[SPEAKER_02]: We'll give you all $100, but we're going to pay you six months, seven months, nine months up front and then the rest will be paid later as he continues to pay.
37:40
[SPEAKER_02]: So that first check was $1,000, I paid, I got advanced, you know, six months, I'm like, yeah, let's do it right fast for it.
37:47
[SPEAKER_02]: You know, early, you know, I'll say in the middle of my career, um, that client spent $1,000 a month.
37:54
[SPEAKER_02]: So now we're talking like $6,000 in our conversation.
37:58
[SPEAKER_02]: Now I'm high right, I'm like, yeah, I'm, where's the next appointment at?
38:01
[SPEAKER_02]: So, you know, long story story things grow, the money's there.
38:04
[SPEAKER_02]: Um, there's definitely opportunity to make a lot of money in insurance.
38:08
[SPEAKER_03]: So I was going to say too, just to add on that.
38:11
[SPEAKER_03]: Like, so how do you find these people?
38:13
[SPEAKER_03]: Like, what is your system?
38:14
[SPEAKER_03]: Because I'm pretty sure you're not going to do not hitting anymore.
38:16
[SPEAKER_03]: Like, what is your system?
38:17
[SPEAKER_03]: Yeah, yeah.
38:18
[SPEAKER_03]: To find your clients and people who are going to take the policy.
38:24
[SPEAKER_02]: For sure.
38:25
[SPEAKER_02]: In the beginning, that's part of being the capital.
38:27
[SPEAKER_02]: The capital agreement is you're going to take a lower percentage and return the agency will do the marketing for you.
38:34
[SPEAKER_02]: They'll go find the list of clients and things like that.
38:36
[SPEAKER_02]: As I've later progressed from that, what happened was COVID happened.
38:42
[SPEAKER_02]: And during the COVID time, during COVID, I actually had to learn how to utilize digital marketing to my advantage.
38:49
[SPEAKER_02]: Social media, Facebook ads, Instagram ads, things like that.
38:53
[SPEAKER_02]: So it took some time to learn that skill set, which kind of led me to the software development and things like that today.
38:59
[SPEAKER_02]: As a result,
39:01
[SPEAKER_02]: Today, it used to be Facebook as it used to be Instagram and all these different things, but now I've got to the point of creating my own software working with other individuals.
39:10
[SPEAKER_02]: And now we are literally the moment someone types or Google's life insurance into their Google search engine, we receive their information.
39:17
[SPEAKER_02]: We got their fairs name, they're last name, we got their address, their phone numbers, we got it down to their credit scores, like just by you not even knowing that we're looking, we're back there searching for you and you're searching for us, right?
39:28
[SPEAKER_02]: So it's pretty, pretty new, it's pretty aggressive, but ultimately that's, I mean, like that's, that's where we're at now using AI and a few of the things that is that are just new to the market, but it's working really well.
39:42
[SPEAKER_02]: So
39:43
[SPEAKER_00]: Can I give you a quick tip on how to build wealth?
39:45
[SPEAKER_00]: I mean, take everything you think you know about investing and throw it up the window.
39:49
[SPEAKER_00]: The one skill that's holding you back isn't what you think it is.
39:52
[SPEAKER_00]: You've got the draw.
39:53
[SPEAKER_00]: You have the vision.
39:54
[SPEAKER_00]: You may even have the capital but for some strange reason, you are still not seeing the return that you are looking for.
40:00
[SPEAKER_00]: Sounds familiar, right?
40:02
[SPEAKER_00]: I know.
40:02
[SPEAKER_00]: I understand exactly how you feel.
40:04
[SPEAKER_00]: Because for me, it was the exact same thing.
40:07
[SPEAKER_00]: For years, I spent time buying single family houses, doing Airbnb, arbitrage, renting cars on Toro, doing seven different businesses, but because for seven different streams of income to become a millionaire, and it was the exact opposite of what I needed to do to build true wealth.
40:23
[SPEAKER_00]: The truth is, it was my ability to find already existing cash phone businesses that are generating money immediately.
40:31
[SPEAKER_00]: In fact, 90% of business owners fell within the first 10 years.
40:35
[SPEAKER_00]: So I was steady taking a chance of being part of that 10% to build wealth.
40:40
[SPEAKER_00]: When 10,000 baby boomers are retiring every single day who ran businesses for 10, 20, 30 years and are looking to retire and sell those businesses directly to people like you to collect that cash flow.
40:52
[SPEAKER_00]: immediately.
40:53
[SPEAKER_00]: So now you can buy those businesses for pennies on the dollar, which is why I put together my completely free workshop where I'm going to show you my four-step process to get access to a quarter million dollars in funding in 90 days to invest to buy already cash for on business.
41:09
[SPEAKER_00]: This is exactly what Cookie Robinson did by purchasing her very first cash on business, a package ship business that has bring in money day one, and she did it creatively with little
41:20
[SPEAKER_00]: This is exactly where Naya, the legacy Bill that has done.
41:23
[SPEAKER_00]: She purchased a dry cleaning business utilizing creative finance, and I want to teach you these exact strategies that you can implement and start making money immediately.
41:32
[SPEAKER_00]: This is the fastest way to build wealth in 2025, so I'm having a completely free training.
41:38
[SPEAKER_00]: Click this link below.
41:39
[SPEAKER_00]: I want you to register.
41:40
[SPEAKER_00]: It's time for you to build a legacy for you and your family.
41:42
[SPEAKER_04]: So we're having a system like that.
41:44
[SPEAKER_04]: It almost makes a new agent that's coming through the door.
41:48
[SPEAKER_04]: They don't really know about life insurance.
41:50
[SPEAKER_04]: They don't know how to sell life insurance with a system like that.
41:53
[SPEAKER_04]: It just makes it much more easier for them to get to that check much faster.
41:58
[SPEAKER_02]: Absolutely.
41:59
[SPEAKER_02]: Absolutely.
41:59
[SPEAKER_02]: Versus, you know, the old days when I first got started, I had 5,000 pieces of papers, applications, and
42:06
[SPEAKER_02]: If a person had a health concern, they had paper for that.
42:09
[SPEAKER_02]: We had all these different papers and applications.
42:11
[SPEAKER_02]: And if I got it wrong, I had to go drive back after that client, get a new signature.
42:15
[SPEAKER_02]: And all this so, you know, now, by the grace of God, I'm living in the Dominican Republic.
42:20
[SPEAKER_02]: I'm traveling overseas, still working.
42:22
[SPEAKER_02]: As long as there's a laptop and Wi-Fi, and I'm ready to go.
42:26
[SPEAKER_02]: So it has changed a lot.
42:28
[SPEAKER_02]: I've been through the storms.
42:29
[SPEAKER_04]: Oh, that's so easy.
42:30
[SPEAKER_04]: You got it?
42:31
[SPEAKER_04]: Also, I want to talk a little bit about, you know, because you've grown a huge, you know, team, you know, you've got a great leadership going on, like, tell me about some of the, you know, people that you came across, um, whether they're a client or also, you know, you're, you're coaching them throughout this program, like that you offer right now, like, like talk about some of those kind of stories.
42:51
[SPEAKER_02]: Absolutely.
42:52
[SPEAKER_02]: I've been helping to help when I was in office.
42:56
[SPEAKER_02]: That was actually one of my biggest skills that's teaching and training.
42:59
[SPEAKER_02]: I was able to help someone get past that learning curve and like most times we're nervous about getting out of the field and talking to people and really learning like what does it take to be successful at this because
43:08
[SPEAKER_02]: You know, now we're required you to actually put it in motion, at the same time, you know, having that skill set, development that skill set then, it's a lot easier when we have to put up a phone and close a deal, right?
43:18
[SPEAKER_02]: I say that to say, I've had agents who have gone on to make six figures, who have multiple years back to back years.
43:24
[SPEAKER_02]: I don't necessarily know how big their business is now recruiting new agents, like literally going from an agent to building an agency, standing on stage, collecting awards.
43:38
[SPEAKER_04]: I'm excited about what's to come because this new set of This new generation of agents that I'm going to be working with and the software that we have in place Like yeah, I see us popping out millionaires like very like very quickly very quickly Like it makes sense, bro, because you're not like just a regular standard agent, you know, and after having this interview with you, bro Like I just thought that you only like all right cool you get your life insurance policy or set you'll got nothing else to worry about
44:07
[SPEAKER_04]: But now, like, understanding how you can go out there and start creating a will, start creating those trusts, start doing all those other wealth-building, tricks and tools to be able to effectively sell life insurance policies and effectively use those life insurance bonds, and so that's good.
44:24
[SPEAKER_03]: Absolutely.
44:25
[SPEAKER_03]: And just before you wrap up, like, what was the biggest payday pay month that you got from them?
44:31
[SPEAKER_03]: Because you know, people always want to add a numbers, as you got from being in a life insurance game.
44:35
[SPEAKER_02]: biggest pay day I've seen five figures in the single day multiple five figures now the cool part about life insurance
44:43
[SPEAKER_02]: to take it back just a little bit.
44:45
[SPEAKER_02]: And then I'm gonna tell you about where we're at now.
44:47
[SPEAKER_02]: So with life insurance and not only covers just basic, like final expenses, term of policies, things like that, right?
44:53
[SPEAKER_02]: I've had postman and spouse want big policies in that day, I made $10,000 that day, right?
44:59
[SPEAKER_02]: And that's just one appointment.
45:01
[SPEAKER_02]: So not to mention, I had 10 appointments that day.
45:03
[SPEAKER_02]: So I'm probably 15 grand or 17 grand that day, right?
45:07
[SPEAKER_02]: At the same time, that was the traditional door to door for furrows, things like that, one thing with to another and you're kind of praying and hoping that that happens, right?
45:17
[SPEAKER_02]: The other end of life insurance is something that no one talks about is annuities.
45:21
[SPEAKER_02]: So with the annuities, pretty much all this works is people have 401k, 4013b's, Roth IRA's, money that is not necessarily accessible to them, but they have ownership for this account.
45:33
[SPEAKER_02]: As a result, that money typically is volatile, it's going up or down.
45:37
[SPEAKER_02]: Ultimately we're able to roll some of that money over into a more safe account called an annuity and what happens is that money grows at a much steady pace and when the time is right when they retire they'll take out a lump sum paycheck to the very day they die meaning you have guaranteed income now you take that type of instance right where you have someone who can roll over half a million dollars you know from their 401k that's about a
46:04
[SPEAKER_02]: As of today, I'm focused on more high net worth clients, more business owners, entrepreneurs, counter-creators, more of a high net worth clients.
46:11
[SPEAKER_02]: What we're focused on now is more premium financing, where we get banks to finance the life insurance policies.
46:17
[SPEAKER_02]: Very similar to how you do real estate, you have an asset, the bank, you know, you get a deposit, the bank will finance the rest of the money.
46:24
[SPEAKER_02]: And over time, this asset will grow in value, and we pay the bank back from that asset, right?
46:29
[SPEAKER_02]: What happens is, when you have a high net worth individual,
46:32
[SPEAKER_02]: Let's just say, you know, John has five million dollar coke.
46:36
[SPEAKER_02]: You encoded, you have a 10 million dollar business.
46:38
[SPEAKER_02]: You guys split in on the middle, five million a piece.
46:40
[SPEAKER_02]: You won't separate policies for your families.
46:42
[SPEAKER_02]: That five million dollars allows you to leverage that utilizing the bank's money.
46:46
[SPEAKER_02]: We're now we can go get a 10, 20, 30, 40, 50 million dollar life insurance policy.
46:50
[SPEAKER_02]: And what happens is, you know, the insurance companies,
46:54
[SPEAKER_02]: we'll find that let's say it's $200,000.
46:56
[SPEAKER_02]: Let's say it's $2 million over the course of 10 years.
47:00
[SPEAKER_02]: They're going to send the insurance companies $200,000 10% of that money each year, right?
47:05
[SPEAKER_02]: At the 10 years, $2 million.
47:07
[SPEAKER_02]: During that time, that $2 million asset will grow 5, 6, 7, 8 million, and we'll pay the bank back.
47:12
[SPEAKER_02]: Now, we pay interest on that loan, which on a $2 million loan, we're talking about, let's just say 5% and total your paying about,
47:21
[SPEAKER_02]: Let's just say $500 to $500 to about $600,000 in interest payments over 10 years, right?
47:30
[SPEAKER_02]: But what happens is you earn that money back as well because the value of the asset is still growing.
47:35
[SPEAKER_02]: The beautiful thing about this entire process is that unlike real estate, life insurance is tax-free.
47:41
[SPEAKER_02]: Life insurance, you're not the pass away.
47:43
[SPEAKER_02]: You can touch this money while you're alive and still take a loan from yourself, tax-free.
47:47
[SPEAKER_04]: So what kind of product do the a person you need to have to be able to get that financing from the bank with the life insurance?
47:55
[SPEAKER_02]: So the question.
47:56
[SPEAKER_02]: So once again, we're talking about high net worth clients, typically a minimum of $2,000, just a really, really state crypto stocks.
48:02
[SPEAKER_02]: Whatever the case may be, however, your empire is set up.
48:05
[SPEAKER_02]: But we're going to leverage and use that as collateral to get a bigger loan from the insurance companies.
48:10
[SPEAKER_02]: So once again, you're in that same scenario.
48:12
[SPEAKER_02]: You got $5 million.
48:14
[SPEAKER_02]: You're earning $5% on $5 million.
48:16
[SPEAKER_02]: That's quarter, quarter, a quarter million dollars per year from your assets, right?
48:19
[SPEAKER_02]: You're just comfortable, you don't need money.
48:21
[SPEAKER_02]: What happens is we're going to use a piece of that quarter million, 10,000, pay the bank back for them to send 200,000 dollars over to the insurance company.
48:29
[SPEAKER_04]: Okay, and then I do want to really break it down.
48:33
[SPEAKER_04]: For example, like John, let's say John is a 35-year-old.
48:37
[SPEAKER_04]: He just guys, you know, first corporate job.
48:40
[SPEAKER_04]: You talk about
48:43
[SPEAKER_04]: how to properly die.
48:44
[SPEAKER_04]: What will be the steps that John will take to be able to secure his family and also, you know, passed over some wealth.
48:52
[SPEAKER_04]: Like, what's the step by step strategy that you will go ahead and do with a person like John?
48:56
[SPEAKER_02]: Great question.
48:57
[SPEAKER_02]: So let's put a little bit more details into it.
48:59
[SPEAKER_02]: Let's say John's 35 years old.
49:02
[SPEAKER_02]: He's working at Google.
49:03
[SPEAKER_02]: He's making 300, 300K.
49:05
[SPEAKER_02]: he's healthy right 100% you have to be healthy no smoking no drinking great driving record never been a gel great things and it's going for me has two small children a wife as a result with the first thing I would tell them to do more than just getting funding and insurance is protecting the access to the thing that we do have getting that wheeled in place getting that trust in place I'm sure he wants his home to be protected things like that so as a result that would be stuff when getting that estate plan
49:31
[SPEAKER_02]: Things in place, whatever, everyone's at your wishes a little bit different.
49:34
[SPEAKER_02]: Some need a little bit more successor plan, things like that, that requires a little bit more details, but the attorneys would think like that, we'll handle that.
49:42
[SPEAKER_02]: Once everything is solidified, they don't have to go to funding and say, hey, okay, we can get life insurance options.
49:46
[SPEAKER_02]: Well, life insurance could be as simple as, hey, I wanna have a million dollars for my wife if I pass away, simple policy, great, no problem.
49:54
[SPEAKER_02]: Hey, I got 300,000, but I also got, you know,
49:57
[SPEAKER_02]: My father left me a million other home over here that I want to use this collateral to do premium financing.
50:04
[SPEAKER_02]: Great.
50:04
[SPEAKER_02]: We use that as collateral.
50:06
[SPEAKER_02]: Get to the banks over time.
50:07
[SPEAKER_02]: We have a life insurance policy that's worth $15 million.
50:11
[SPEAKER_02]: That's on top of it as a state.
50:12
[SPEAKER_02]: So once again, that's tax-free.
50:14
[SPEAKER_02]: If he passes away as families now becomes decommillionaires.
50:17
[SPEAKER_02]: Things like that.
50:17
[SPEAKER_02]: So it always varies.
50:20
[SPEAKER_02]: A job itself may not be enough for premium financing.
50:23
[SPEAKER_02]: But if he has to assets to back up.
50:26
[SPEAKER_04]: you know, that job as well, then that will be our our our our dual client sorry to break the interview but really not sorry to break the interview because listen over the past few months we've been testing out this one system that has been a complete game changer for us and
50:42
[SPEAKER_04]: and our business.
50:44
[SPEAKER_04]: So now is the best time for us to bring it to you guys.
50:47
[SPEAKER_04]: And the name of the system is called Go High Level.
50:50
[SPEAKER_04]: Go High Level is an all in one marketing tool that you're gonna be able to use to grow your business.
50:55
[SPEAKER_04]: Listen, we're not only just podcasters, but we're also business owners as well.
51:00
[SPEAKER_04]: So if you're a business owner, you're looking to grow your business online just like how we're doing the same thing.
51:05
[SPEAKER_04]: You need to have a way in how you're gonna be able to text your people.
51:08
[SPEAKER_04]: You need a way of how you're gonna be able to email your people.
51:10
[SPEAKER_04]: You need a way how to go out there and build your funnels, your websites and everything that you have to use to grow your online business, go high level is literally that one tool that you would have to use.
51:22
[SPEAKER_04]: So all of the other subscriptions that you have, you can go ahead and cancel them right now because go high level does
51:28
[SPEAKER_03]: Everything that you need as an online business owner all in one tool you literally don't need any Other CRM system any other automation go high level is the one tool that you need enough said, man Click the link down below to start your free trial.
51:45
[SPEAKER_03]: Listen, it's on us
51:46
[SPEAKER_04]: We begged our goal how level people for this work, by the way.
51:49
[SPEAKER_03]: Yup, so click the link down below, start your free trial, and start organizing your business.
51:55
[SPEAKER_03]: So that way you can get more customers, increase revenue, and more deposits to your business account.
52:02
[SPEAKER_03]: Back to the episode, yup.
52:03
[SPEAKER_04]: Nice, nice, nice, nice, well said, bro.
52:07
[SPEAKER_04]: Also, how can the people find you and how can they tap in and learn a little bit more about either becoming a life insurance agent or also getting their first policy with you?
52:15
[SPEAKER_02]: Absolutely.
52:16
[SPEAKER_02]: If you guys look me out on social media across the board, it's my first name, Sean Dell.
52:21
[SPEAKER_02]: Sean Doe Curtis online all across all social media platforms also if you guys want to reach out to me directly I would say Sean Doe Kurt Sean Doe com will be a quicker access to me outside of that we have books courses books up on a state planning courses that teacher state
52:41
[SPEAKER_02]: Yeah, exactly.
52:42
[SPEAKER_02]: Yeah.
52:43
[SPEAKER_02]: We have books that talk about estate planning a little bit about what I've been through personally with my father, explaining a little bit about the backstory and what led me to write the book.
52:52
[SPEAKER_02]: Outside of this, in the midst of chasing success, I felt like what we didn't want.
52:57
[SPEAKER_02]: is not talked about a lot of times, is being young and being excited about, you know, family and thing and money and things like that.
53:06
[SPEAKER_02]: There's a mental side that comes with chasing wealth and things like that, meaning, you know, um,
53:12
[SPEAKER_02]: One trying to figure out how to establish myself as a young man coming from college as well as being introduced to money and like what do you do with it?
53:20
[SPEAKER_02]: Yeah, it comes with a mental fatigue that if you have to be like taught this type of things you definitely So as a result, I did a partying with partnering with Masterpiece and his family, the the Miller family about mental health, especially when it comes to like just success and having
53:37
[SPEAKER_02]: when you have the success or when you when most times what people think that when I get success then I'll start doing XYZ or then I'll start losing weight or then I'll start doing I'll eat right or whatever the case may be I want to encourage you guys to take that the health is more important the health is more important then wealth.
53:54
[SPEAKER_02]: Let's try to get in your health more seriously.
53:55
[SPEAKER_02]: These are things that I wish I would have known.
53:58
[SPEAKER_02]: I had a lot of stress trying to figure out the systems and things like that.
54:01
[SPEAKER_02]: And ultimately, like I said, I just want to wrote this here.
54:04
[SPEAKER_02]: Co-author with Master Peanut, the Miller family.
54:07
[SPEAKER_02]: Yeah, absolutely.
54:09
[SPEAKER_02]: And Miss Tiana von Johnson, absolutely.
54:14
[SPEAKER_02]: Just giving my two cents about what I've learned about, I said, over the course of helping other people, built their agency, their legacy, hey, this health piece component is something you can't ignore.
54:24
[SPEAKER_02]: Our promise you guys, so along with the funding, along with the money, along with the different aspects of life insurance and protection, protection mental health.
54:32
[SPEAKER_03]: Yep, I agree.
54:34
[SPEAKER_03]: This is a great interview, I really love how you broke it down, you know, simple to understand.
54:40
[SPEAKER_03]: Definitely changed a little bit of my perspective on life insurance.
54:45
[SPEAKER_03]: And people definitely need to go out and get a policy, you know, because not only is it something for them, but it's something for their family when they're born, you know, you really care about your loved ones.
54:59
[SPEAKER_03]: So definitely was a great one.
55:01
[SPEAKER_04]: I agree, Bro.
55:02
[SPEAKER_04]: You touched on a lot of things that a lot of, you know, life insurance agents really don't touch on, you know, going broader than, you know, just, hey, get a policy because I didn't know that, you know, there's a whole probate court.
55:13
[SPEAKER_04]: Three years later, two years later, you know, going to your local courthouse in, in registering certain documents.
55:20
[SPEAKER_04]: So definitely very insightful men, the information that you provide and it's really, really good stuff, man.
55:26
[SPEAKER_04]: So congratulations to you, Bro.
55:27
[SPEAKER_02]: appreciate you guys.
55:29
[SPEAKER_02]: Once again, thank you for your hard work, your success.
55:31
[SPEAKER_02]: I know what you guys do.
55:32
[SPEAKER_02]: It's definitely not easy.
55:34
[SPEAKER_02]: The fact that there's so many other people that have jumped off the ship, because the pressure was too much or whatever the case may be, you guys have been running for years, strong, dual team and I'm just, I just commend you guys.
55:46
[SPEAKER_02]: I know you guys have a lot of great things coming up.
55:48
[SPEAKER_02]: I just want to say thank you again for allowing me on your platform.
55:51
[SPEAKER_02]: You guys didn't have to.
55:51
[SPEAKER_02]: You guys are amazing.
55:52
[SPEAKER_02]: On camera off camera, like these are two brothers who die, it's definitely want to get to know personally.
55:58
[SPEAKER_02]: This is an absolute pleasure, man.
56:00
[SPEAKER_02]: Just here in the Sky School, yeah.
56:01
[SPEAKER_02]: So thank you.
56:01
[SPEAKER_02]: Thank you.
56:02
[SPEAKER_02]: It's always inspired me, so I want to see you.
56:04
[SPEAKER_03]: It's always great having wonderful guests like YouTube.
56:07
[SPEAKER_03]: I appreciate it.
56:08
[SPEAKER_03]: Because it's something that you come on the platform, you provide value.
56:12
[SPEAKER_03]: I'm pretty sure people out there are going to learn something from you.
56:15
[SPEAKER_03]: And definitely appreciate you for even coming out, giving the game and just sharing it, and breaking it down easy.
56:21
[SPEAKER_04]: Yeah.
56:22
[SPEAKER_04]: And last thing, where can the people find you to tell them real quick?
56:25
[SPEAKER_02]: Oh, absolutely.
56:26
[SPEAKER_02]: If you are looking for a policy or if you're looking for a just basic instructions about a state planning, if you're looking for a premium financing strategy, if you're looking for income, if you're looking to have an actual second income or a third income source, having your life insurance license has been a great resource for me and my family.
56:43
[SPEAKER_02]: I'm actually that's how I, I
56:46
[SPEAKER_02]: earned the money to bury my father through life insurance.
56:49
[SPEAKER_02]: As a result, if you have any interest in any of this, oh, I didn't even, sorry, lastly, the software, you guys, we have a software, marketing software for financial services pros, whether you're a tax, a life insurance, CFCFPs, whatever the case may be, we have an all in one marketing software that allows us to utilize what I was saying earlier about this Google Leeds.
57:10
[SPEAKER_02]: having the funnels, the copy, the automations, things like that, all in one system, commission guards.
57:16
[SPEAKER_02]: And so for us, I'll talk more about that later.
57:19
[SPEAKER_02]: If you have any interest in any of these things, reach out to me at shandell.com, also social media platform, shandell Curtis, and yeah, I promise, all the links are in the bio.
57:29
[SPEAKER_04]: Nice, well, nice, nice, nice, nice, nice.
57:31
[SPEAKER_04]: So listen guys, I told you this day all the way over to the end because you're going to learn something.
57:35
[SPEAKER_04]: You're going to get some value.
57:36
[SPEAKER_04]: You're going to get some gain.
57:38
[SPEAKER_04]: Listen, I definitely learned a lot of different things.
57:41
[SPEAKER_04]: I have a life insurance policy, but I'm just now learning that there's more steps to it.
57:45
[SPEAKER_04]: So if you guys are looking to learn more, go ahead and tap it with Sean Dell.
57:49
[SPEAKER_04]: Let him know that you came from the motion and success team.
57:52
[SPEAKER_04]: Listen, this was an amazing episode.
57:54
[SPEAKER_04]: Go ahead and share with a friend.
57:55
[SPEAKER_04]: But most importantly go out and get to your policy because here's the thing you can't you cannot you know leave Serendets to your family you definitely want to be able to start using these tools and resources that are out there So that way your people can be safe and secure So with that being said, I'll see you guys on the next episode peace like comment share and subscribe talk to you guys soon