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Dan Fullmer Close

Updated: Apr 17

Watch the Full Video Here: Dan Fullmer Close

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Good afternoon. It is Sunday 814 2022. This is Ernest Coles coming at. Coming at you with a call review. Dan Fulmer was kind enough to send me this review. It was a solid close. I've already listened to it, but I do want to go over it with you guys. Anything that I see and also, you know, the best parts of it and the smoothness of the transition will certainly be very apparent in this call. So let's kick it off. I'm actually going to start that right now.

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Hey, Billy. How's everything going out there in Kansas City today?

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Sunny and warm.

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Well, awesome. That's always nice. You got any big plans for the weekend?

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Hungry. Take me a little nap. The game starts today.

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All right. Well, that sounds like sounds like a pretty relaxing afternoon.

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There it is.

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Very good intro. He brought up the city that they live in. Like I always advise simply because you want to come across as not a telemarketer immediately. You're bringing up a specific thing. That way they have something to answer. Any questions that you ask, people instinctively want to answer them.

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Well, Billy, my name is Dan over here at Senior Life Services, and I was reaching out to you because you had recently spoke with one of my representatives about state regulated life insurance programs for Missouri. And it's just my job to go over those benefits with you and answer any questions that you have.

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I'm sorry.

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All right. So that was a good pause. I know Dan is really commonly going to go ahead and verify the information. I do always tell people to do that a little quicker and answer any questions that you have. So I'm a little pause. Not not like a big pause. It was a little too big for me, but that wasn't a big deal, as you'll see. But like so I have you here. Let's say this is the address. Also, answer any questions that you have. I have you here at 6290 North Athey Avenue in Harrison, Michigan.

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And then you just go from there. If you throw information at them that there's no reason you should have like their birth date, their spouses, their beneficiary, they're a non-smoker. They like watching TV. Whatever it is, it separates you from the random telemarketer. Car warranty. People immediately.

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No, no. What?

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I have no questions.

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That's a little aggressive. Don't say no. What, like, Oh, What do you mean by that? What do you mean, no? Or I'm guess this is fine. No, don't worry about that.

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Well, I know, you know, we haven't talked about anything yet.

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Was that something that you were still looking into?

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So you don't really want to ask. Ask questions you already know the answer to. I mean, you know, the answer is they were looking into this. I think this was an a lead he's talking to. If they spent four minutes talking to somebody in the Philippines and answering all their questions when they're clearly not American, they should have no problem listening to you. And you should also assume that they're still looking for this. So instead of asking that question was like, I would have just went right into the verifying info and I'll find out really quickly right after I start talking about the beneficiary.

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Is all that correct? We were looking at 10,000. Have you as a non-smoker, Dan does a good job verifying info here, as you'll see.

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How much a month?

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Well, that's exactly what we're here to figure out.

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You're living there at 1900 East 10th Street there in Kansas City?

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Yes, sir.

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Okay. And then I got your date of birth as being April 15th in 1959. Is that correct as well?

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Okay. And then you had mentioned you were looking for around 50,000 here to go to your girlfriend. Would that still be accurate?

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Okay. What what makes you go so high there? 50,000. Quite a lot.

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Well. I'll make sure she goes in covered.

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He just gets a feeling here. You know, it says Max, 50,000 is pretty much what all carriers offer in his age group for maximum coverage as far as whole life. So this is a good question. This is like, okay, what made you go for so much? You know, you're born in 59. Most people don't pick that much, so it's okay. And now he's getting a response because I want this the guy, if you can get them to tell you why they're looking for that amount, that is a huge win.

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That's why.

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Was it just to take care of some final arrangements or you're trying to leave her well off.

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Make sure she has no money. You're hurting the two kids.

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I see. Okay, so you're just trying to. Trying to make sure that they're well taken care of and they're not going to be financially. Financially burdened.

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Gotcha. Okay. We can look at some different options here then. We are a consultant firm here, which just means that I work for my clients, not one particular insurance company. So what my goal here is, is to do some shopping around and figure out who's going to give you the best rates and benefits. Are you with me on that? Yeah. Okay. And then is this typically business that you handle yourself?

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Okay. Now, Billy, do you already have any sort of life insurance or pre-paid burial in place, or is this a first for you?

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I did one because they always think for me at the time I passed. I was playing on three of them.

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You were paying on three of them. Okay.

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Are those still in effect or now?

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What? Good question.

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What was the reason you had let those go?

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Oh, damn. I paid $190. 130 and 30.

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So it just got too expensive for you then? Yeah. Okay.

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I see he has given you a lot of info right here. So he was paying 90, 30 and 30, so that was a total of 150. At some point he was paying, but he might have was, might have been getting confused with all the different payments. Uh, it's a good idea to like, okay, so we're going to find something affordable for you and not going to let this go. Keep that in mind as you're presenting to somebody like this, because he's already canceling policies. We're not trying to have them cancel ours.

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I was 30. Make one payments to three payments.

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I got you. So you're just trying to kind of roll them all together rather than.

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Awesome. That's perfect.

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Right, Right. And I paid three different ones. Okay. That makes sense.

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And then they broke it a month.

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I get it.

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Yeah, absolutely. I'm assuming you're on a fixed income. Social Security.

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I got my disability. I ain't got my Social Security yet.

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Okay, Gotcha. So you get disability then? Yeah. 90% of my clients are on a fixed income like that. So whatever we can find that's going to be affordable for you is is the one we're going to want to go with. You know, it's not so much the amount that you want to look at necessarily, just more of something that's going to still get the job done, but it's not going to break the bank.

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Break may do.

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Yeah, exactly.

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So you said your girlfriend and your two kids. What are their names?

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Hers is an older.

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The girls, Angela and the boy and the boys is only 13. He's earnest.

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Now, does. What is Angela's last name? Miss Smith. Okay. And then Ernest as he have the same last name as you.

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Now, was there anyone else that you wanted to put down on there? Just the three of them.

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Through them.

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It's good he's getting the beneficiary first because he can use that as a callback later. I have told everybody that is on the team before, I won't even proceed if I won't get the if I don't have the beneficiary name.

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All right. Perfect.

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So based on everything that we're going for here and what your goal that you have in mind is, I'm going to want to take a look into a whole life policy for you and all the whole life policies here through the companies that I work with. They are all state and federally regulated and backed by the government, which just means that no matter what happens to your health in the future or you know how old you get, the premiums are never going to go up and the benefits are also never going to go down. So it's pretty much what you see is what you get type of thing and it's not going to change.

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Now that benefit would also be paid to them 100% tax free, and it would be paid out immediately. So if you were to pass away, they're going to get a check within 48 hours. Okay?

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Now, Billy, what I'll do here is to see what you do qualify for. You are 64 here today, correct?

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Or 63?

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63. 63. Yeah. Yes.

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I got you.

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I'm not. I'm not trying to make you older. I promise.

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A little earlier when he was going over the benefits, those are benefits that are common to all carriers. So earlier on, he established he's a consultant. He's going to be looking at more than one company. It's going to be tailored specifically for him. But putting those benefit, those other benefits out there that are common to all carriers before you choose a carrier lets them be at ease that they get paid out quickly. It's tax free, like all the companies will offer those same benefits. And then, you know, when we find the right company, then it'll be tailor fit to them and then you can go over the specific company benefits depending on the plan that you actually choose.

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All right. And then let me just ask you a few basic questions here to start off with. What about your height and weight?

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It's probably a good idea to kind of skips part of the script there. I'll pull it up as I play this, but you know, you definitely want to tell him why you're asking the health questions. That makes more sense than just kind of just going into them.

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That's my way. 205. I'm only five nine.