Pioneer Sale Start to Finish

Watch the Full Video Here: Pioneer Sale Start to Finish

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Okay, guys, this is a typical step by step of what you're going to do when you're presenting to a client and actually submitting a sale on Pioneer's website. So most of the time we are going to sell pioneer policies unless, you know, they throw us off track with some information that, you know, a better company or another company would be more suitable for them. So I'm presenting to Matt and he's going to be the easiest client in the world because this is for illustrative purposes. So Matt is going to be Richard Mayes.

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All right, so ring, ring, ring.

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Hello.

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Hey, Richard. How's everything going out there in Evansville today? Oh, not too bad. Okay. That's good to hear. That's better than terrible. So my name is Ernest over here at Senior Life Services. I'm calling because you recently spoke with one of our reps regarding state regulated life insurance programs for the state of Indiana. And my job is to go over those benefits with you and also answer any questions that you have. So let me just confirm some of the information that you gave to our rep. I have you at 14 West Mill Road in Evansville.

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That's correct.

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Okay, great. Have your date of birth as 817 1948.

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That's correct.

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Looks like you have kind of a wide range. That's probably just a mistake on their point, have you between you're looking between 5 and $50,000 in coverage and have your son as your beneficiary. Is all that correct?

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Yes. Okay.

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So Richard, were consultant firm, which means you work for our clients, not one particular company. So our goal is always to figure out who specifically what's going to give you the best rates and benefits you with me on that? Yes. Okay. Richard, are you looking for benefits for just yourself today or for you and somebody else?

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Just for myself. For my son.

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Gotcha. Son's going to be the beneficiary. But you are the insured, obviously.

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Correct.

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Okay, great. And you typically handle all of your business. Everything like this?

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Yes. I make all my own decisions.

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Gotcha. And so have your son as your beneficiary. Is there anybody else that you'd want to add?

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Or you can add my grandson on there, too.

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Okay.

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And James?

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James? And what is your son's name?

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It's. It's Jimmy SR. That's James as well.

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Okay. Does he have the senior at the end of his name or is he just as James the grandson of JR.

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Yes. Yes, he's a senior. And then Junior would be my grandson.

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Gotcha. Well, I'm a third, so I actually share the middle name of my grandfather and my dad. So I can see. I can see. So what's the middle name over there?

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Uh, Robert James Roberts.

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And they're both Mays as well?

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Yes.

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Okay, great.

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All right. And Richard, is this a first policy for you?

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I had a policy some years ago, but I don't think I have anything in place right now.

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Now, you would kind of yeah, you would kind of know if you still had it in place. Was it like a term policy that kind of, you know, fell off or expired?

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Yeah.

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Yeah, it's probably yeah. Usually you can tell mean if they're not taking money out of your bank account anymore, then usually, you know, you just don't have the coverage anymore.

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Yeah. Got something in the mail years ago, but I just never got another policy.

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Gotcha. Gotcha. And Richard, so what is the goal of this policy like? Have you ever gone through the process of burying yourself somebody yourself?

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Yes, I have.

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Okay. Is that the goal here or are you looking for because you were born in 48, so you're 70 going to be 74 this year? Are you just looking for final expenses or are you looking to leave somebody just extra money? Like what are we trying to do?

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Well, you know, I do have to stay within a budget, but I don't want to, you know, leave absolutely nothing. So we'll look, take a look at what's out there and make a decision from there.

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Okay. So at least final expenses. And if there's something extra that's, you know, that's all just gravy.

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I would say, Yeah, at least at least 5000 in coverage for sure.

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Okay. So, yeah, you mean that you can certainly get by with that. So, you know, we'll look at a few options for you and you know, we'll send out send you out what's right for you. So based on everything you're telling me, Richard, a whole life policy is definitely going to be the best fit for you. And I'll tell you why. So all of our plans are going to offer a number of benefits. So first, senior life services. We only work with reputable insurance companies. So as a quickly growing company, we've actually made insurance companies design products specifically for our customers unique situations.

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So they must be state and federally regulated and they must be backed by the government. And they also have to all be state approved, whole life plans, which means the premiums never go up and the benefits never go down, which makes sure that, you know, James Jr and James SR don't have to come out of pocket and come up with a wheelbarrow full of cash. And finally, you know, the benefit has to be paid out 100% tax free. And unlike a lot of these companies out there, they pay out immediately within 24 to 48 hours. And Richard, we make sure that they have A-plus ratings with the Better Business Bureau.

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You follow me so far?

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Yeah, that all sounds good. Okay.

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All right. I'm just getting James and James Jr in here for you. All right, so now that you've told me a little bit about yourself and what's important to you, what I want to do now is take the time to ask you some health questions. So whenever you look at life insurance or policies that pay for final expenses, you always want to be asked health questions because it allows you to get a better plan and rate. So, Richard, I've been doing this a long time, so don't need to read every single question off of every single application. Like I'll know what company is going to be best simply by asking a few general questions.

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Does that sound fair enough?

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Yeah, that sounds good.

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Okay. All right. So let's start with the very basic questions. If I need to get more specific. Of course I will. So do shows here. Well, hold on. It shows here that you don't smoke. Is that accurate?

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Yep. I've never smoked.

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Okay. And what is your approximate height and weight?

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Um. 511. £190.

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Okay. All right. Is there anything. This is very general. Is there anything major going on with your heart, lungs, liver or kidneys?

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Uh, no. I've never had anything recently. No.

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Okay. And when you say recently, has there been something in the past, like a heart attack stroke or something?

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I had a heart attack 15 years ago.

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15 years ago. Okay, well, the good news is, a lot of these companies, like the Max, they're going to go back is like five years. So that was so that was 15 years ago. That shouldn't be a problem. Have you ever been diagnosed with any kind of diabetes, any sugar problems? No. Okay. Very good. Sounds like you're pretty healthy, Richard.

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Yeah, yeah, yeah.

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Did the heart attack make you want to change some lifestyle? You know the way you live A little bit.

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Yeah, definitely.

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I would I would imagine this is like it's probably a wake up call for a lot of people.

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Yeah.

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Start eating better. Start, you know, exercising more. All right. So since the 15 years ago is like that, is that the last time that you were actually hospitalized or had any surgery? Yes. Okay. So 15 years ago. That's good.

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All right. So let me see here. Are you from Indiana?

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Yeah. I grew up in Indiana. Okay. I was born in Indiana.

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A lot of people I do talk to are constantly moving around. So, you know, that's good that you got got like Indiana and you're going to stay there. So that's good.

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Um.

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All right. And Richard, because you do sound healthy, I can kind of skip some of these. Like I said, don't need to ask every single question. You'd be here all day with me. Is there any medications that you're currently taking?

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Oh, yeah. Take a map. Brazil.

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Okay. Is that just for acid reflux?

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Yeah. Heartburn, things like that.

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Okay.

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Anything else?

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Yeah. Take one high blood pressure medication, but can't remember what it's called.

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Is it like, lisinopril amlodipine?

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Ah, yeah. Yeah. Listen, approval.

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Yeah, that's. That's the most common at this point. Could be a pharmacist amount of medications. People tell me either tell me what's wrong with them. I can tell you the medications or give me the medications and I can tell you what's wrong with you.

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They're typically all the same medications nowadays.

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It seems like doctors are just trying to make as much money as they can off you.

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Yeah. Yeah.

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All right. So let me see here. I think we're going to be able to do really good by I mean, don't talk to a lot of 74 year olds that are going to qualify for preferred coverage, but it looks like that's what you're going to be. So it's going to just come down to which company is going to offer you the best rates and benefits. So I'm going to take a look at what you qualify for. So there are a lot of different life insurance programs out there. Like I know you get all sorts of stuff in the mail and you see stuff on TV. So for the purpose of, you know, describing how we work versus the others, do you know the difference between term and whole life coverage?

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No mean no term lasts for just a certain amount of time. But I'm sure there's some other differences.

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Right? Mean it's in the name so term your whole life it lasts your whole life. A term, you know ends at some point. So let me see here. All right. So the reason I bring it up is because I want you to choose the best choice of which type of life insurance to have, because they're not all the same like you just alluded to. Some are better than others, but you need to know the facts to make a sound decision. That's right. For you and your family. So I'm sure you've received letters from like AARP or Globe Life offering term insurance, right?

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Yes. See on television.

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Yeah. And you probably get the pamphlets in the mail. It's like it'll often say right on there that the insurance is good up to age 80. What they don't tell you is what happens after age 80. So what happens is you lose all of your insurance no matter how much money you put in. So they get to keep the money and you get no benefit. You know, the point is like, why would you want insurance that's going to cancel before you go? Right? And to make matters worse, they actually raise their prices every 3 to 5 years. So what happens is they get you in cheap, but as you get older and your income becomes more fixed, they raise their prices.

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So then what happens is most people don't actually outlive it. They cancel it because they can no longer afford it. So it does. Yeah, mean it's kind of crazy. So yeah, we're going to stick with you.

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Punished for living longer.

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Basically. I mean, if you paid in for ten years and you don't pass away, then you know you're out. You're just out. That money whole life's a little different. So, you know, the best company in your case is going to be Pioneer Security. They've been around for 111 years now. So you are approved up to $50,000 in coverage to leave to James and James jr. So Richard, like I know you want to be buried and leave a little money behind. So I'm completely confident that any of these plans are going to do that.

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My suggestion is just pick the one that fits you best. So they're all going to do the job, but you want to do the one that just makes the most sense. All right. So, Richard, I would like to add an additional discount for you. So depending on the financial institution you use, I can add an additional discount. So who do you currently like to bank with?

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I bank with Huntington Bank.

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Huntington. I've been with them a long time.

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Okay. Very good. Let me look up Huntington. They should be one of our preferred banks.

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Okay.

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Did you open that account in Ohio?

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Uh, no.

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Okay. No, actually, just. Just.

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Just pick a bank in India.

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The only reason is messed me up is like, I know Huntington's not in Indiana because I'm from Ohio or from around Ohio. So let's say it's Huntington Bank. That's his routing. So let's pretend like that didn't happen. So now. So I'll stop right here because then I explained this in the script over here. And the reason I have that I want the name of the bank, I want the routing number before I even proceed. So that way it makes it easier to get information later. So when you receive your.

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Hang on one second. Right. Okay. Just one second.

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And that's okay, actually, because a lot of our clients are going to do that to you. So can you give me one second? Yeah, I'll be right here. I'll be here waiting for you.

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Don't let him off the phone. Say you'll wait for them.

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All right, My bad.

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Okay.

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So, Richard, you're back. Got a little grant. You got to get a little grandchild with you.

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Yep. Yep. Jimmy Jr.

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Okay, Jimmy. Hey, Jimmy. How you doing?

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I'm cool.

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She's cool.

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He's my son. He's cool. All right, so when you receive your Social Security, Richard, is it I'm guessing it just goes to the bank on the first the third or the second? Third or fourth one? Wednesday to Huntington.

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Oh, I'm not making a decision right now.

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No, but when you receive Social Security, because that was probably how you were paying for the last policy, it's just hitting the bank once a month.

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Um, get paid. The, the the third of each month.

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That's pretty common. Some people do get the second, third or fourth Wednesday, but they're trying to get rid of that completely. So, Richard, I know you just got up to grab the grandson, but what I'm going to have you do is just grab a pen and a piece of paper and I'm going to go over these different plans with you. So I'll wait right here while you do that.

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Okay. Hang on a second.

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It.

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So you won't be able to hear me. But so what I'm doing is I'm pulling up plans. He mentioned 5000 at some point, but if you put in the way, it's going to pull up three above and one below. So when Richard comes back with this pen and paper, basically this is very crucial. They need to grab a pen and paper. I won't even give them numbers without it.

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Okay. I'm back.

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All right, Richard. So, like I said, Pioneer is going to be the best company in your case. So I am going to have you write down five different plan options. You mentioned 5000, but I will start because you qualify for up to 50. You and I both know you probably don't need $50,000 worth of coverage. Take care of a burial. And that was what our goal was here. So in one column, I'm going to have you write down $25,000 in coverage.

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Okay.

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$20,000 in coverage.

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Uh huh.

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$15,000 in coverage. Okay. $10,000 in coverage. Okay. And $5,000 in coverage.

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Okay.

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So you're just going in $5,000 increments?

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Yeah. I mean, technically, you could pick, you know, your favorite number of all time, but, you know, this is typically how people want it. Pretty nice, even number. All right. So no matter which one you pick, it's going to come with a number of benefits. First off, you know, Richard, you're in good shape on like a lot of our clients, so you actually qualify for immediate coverage. So it starts on day one. So let's say you have coverage right now. If you were to not wake up tomorrow, James and James would receive, you know, 25,000, 15 five, whatever you decide here. Uh, unlike a lot of companies, like if you're in bad health, you'd have to wait two years for the full amount to become active.

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But, you know, you're you're better than that. So that's awesome. That doesn't happen all the time. The second benefit that will come with this is accidental death. And what that means, Richard, is, you know, God forbid you pass away as a result of an accident. They would double the face amount of whatever you choose. So let's say you have 10,000, you get hit by a bus. All right. It's going to pay out 20,000 to James and James.

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See? Yes. The last benefits that is my favorite is the actual nursing home waiver premium. And what this means is, God forbid you ever have to go to a nursing home. You would not have to make any more payments on the policy, but it would still stay active because as you may or may not know, I don't know if you know anybody that's, you know, had to go to a nursing home and your family or friend.

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Yeah, my sister was in a nursing home.

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Gotcha. So you probably know they pretty much want wanted all of your sisters money, right?

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Yeah. Think you know her? Her kids were having trouble paying for paying for the the nursing home care.

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Yeah. So first off, they take all of her money, and then they want more money from, you know, family and friends. And then. And then only after that. Well, the government help it all. So, you know, I've seen, you know, millionaires can go bankrupt being a nursing home. So that's why that's there mean this is to get rid of a burden for James so you don't want to if that were to ever happen God forbid it ever happens. But let's say you went to a nursing home for five years. During that five years, James would have to come up with, you know, the premiums and you don't want that to happen. So what this does is it eliminates all those payments, but the policy is still sitting there ready to help them accomplish the goal of, you know, not putting a burden burden on James.

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So that is my favorite benefit because that's not offered very many places. Okay. So so now that you have all those plans down. So if you were going to do the if we're doing the $25,000 plan, I'll have you make another call. That would only be two 8877.

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Okay. It's a little high.

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Okay. Then if you were going to do the $20,000 plan, that would only be 230 207. Yeah, I'm going to keep going down because, I mean, I know what your goals are. Just like to give people different rates, different plans. So they, you know, they know what they qualify for. So you got the 20,000 down? Yep. All right. So next of 15,000, I'll have you write down. That's only one 7538.

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Okay. And next to 10,000 is one 1868. All right. And guys, this is where I would stop unless he. Because you have to listen to your client. He said he was looking for around 5000, so you have to go to what he was looking for. So I'm going to have you write, Richard. I'll have you write down 5000

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you have next to that is only 61. 98.

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Okay.

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Well, so out of those plans, Richard, uh, which one did you want to leave to? James.

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So think. You know, they sound great, but I think, you know, I'm looking for something. I think it would be best to be around 8500. Can you can you do that number?

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Yeah. Pick up. Basically, pick any number you want. Do you have a specific have you laid this all out where you kind of know exactly what you're trying to do when you pass or.

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Yeah, yeah. Just know how much my wife's funeral was. And I'm sure you know, that was a few years ago, so I'm sure it's more expensive than it is now. So I want to make sure that there's enough there to cover everything.

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Gotcha. Did you did your wife have coverage?

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Yeah, she did, yeah.

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Okay. Did she have, like 5 or 7000 herself?

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Yeah, Her her funeral was like 6100 or something. Think is. And then she had a. $6,500. So a little bit was left over for flowers and other things.

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And how long ago was that when she passed?

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About 3 or 4 years. Three, three and a half years ago.

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Okay. So 85 does look pretty good. It really depends on how long you live. I mean, you are in good shape. And if I look at the Social Security chart you're doing, from what I understood, you you did a cremation for your wife and you're doing the same for yourself.

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Yes.

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Okay. Because that makes sense for based on the cost of what you said. I'm in a 74 year old healthy man. They say it'll be around 16,000 for a traditional burial if you live the full life expectancy. But obviously, as you know, cremations are much less. So. Think you're kind of you're kind of right on the money mean you're mean that's shocking that that you know almost exactly how much you'll need but we'll do the 8500 and that would only be 101 67 So write that down.

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Okay. And that's it stays that way no matter how old I get, right?

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Yeah. So like, when we went over those differences, like term policies that are allowed to go up or cancel on you, a whole life policy is not. So it stays like that and it builds cash value, which is another difference between the term and the whole life coverage. So I'll send this out to you. Um, so yeah, so right down you have the 8500, 101 67. So now everybody that I talked to like set this up to coincide with Social Security. So with your Huntington Bank, I do have their routing number right here.

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So I do want to confirm that with you. It should be on the bottom left hand side of a check. So if you can go grab one of those for me, then I can wait right here and I'm going to read you that number.

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Okay? Just give me give me a couple minutes.

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Okay. Take your time.

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Okay, I'm back.

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Okay, so first off, let's just make sure that it's the way. Have it set up as correct. I'm trying to fill your application here. So does it just Richard Mays, or is there a middle initial on the Huntington account?

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Middle initials. James.

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James J. So it's just J on there, or is it full, James?

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It's J on my check.

00:23:00:21 - 00:23:18:12

Gotcha. So, Richard. James Okay. So on the bottom left hand side of the check, the routing number you should have is 044000024. Is that correct? Yes. All right. And what do you have as an account number?

00:23:19:11 - 00:23:20:13

Where do I find that?

00:23:20:20 - 00:23:26:02

That'll be the next set of numbers. To be a space. And then another set of numbers.

00:23:27:13 - 00:23:34:01

Oh, it's 030. 290. 7903.

00:23:35:20 - 00:23:42:20

All right. That does look like an appropriate length for Huntington. You know, and you didn't read me any check numbers. Like is there another space with more numbers on it?

00:23:43:15 - 00:23:46:22

No, they put the check numbers in the top right on on my checks.

00:23:47:05 - 00:24:20:06

Okay. Even better so that we know we're not getting this wrong. All right. So, Richard, the third just passed, so we'll start this today. So as of now, you will have immediate coverage and then the third of each month thereafter is how it will get paid out. So all I have to do is a quick recording with you to verify everything that we already went over. So I will start that pretty soon here in one second. So I will tell you, it's all all the answers are, yes, there's a little bit of disclosures and things like that that we have to read.

00:24:20:08 - 00:24:34:24

It kind of avoids a long interview that we had to do, like we used to have to get on the phone with the company and they would ask you like, I don't know, 15 yes or no health questions. We can now don't have to do that anymore. So what I'll do is I'll start this recording.

00:24:37:10 - 00:24:40:16

And you guys, you would be here. Let's just pretend.

00:24:47:07 - 00:24:49:00

I am calling a number just to.

00:24:51:24 - 00:24:54:22

Okay. So. All right. So I'm going to start that with you now.

00:24:58:03 - 00:25:09:14

All right. So Mr. Richard Mays, as a final step to completing the application process, can you please verify your full name? Today's date, which is six, five, 20, 22 and your Social Security number?

00:25:11:01 - 00:25:12:18

Uh, Richard. James Mays.

00:25:15:20 - 00:25:25:05

My birthdate is June 16th. 19 something. 19. What is it? 54? Some.

00:25:26:17 - 00:25:32:08

Well, you don't know. Well, James, Richard, don't have to say your your date of birth. Just today's date.

00:25:32:15 - 00:25:35:19

So actually actually fifth 2022.

00:25:35:22 - 00:25:37:06

Right. And your social.

00:25:38:16 - 00:25:43:17

Three. One four. 061420.

00:25:45:04 - 00:26:22:06

Okay. All right. And do you understand we're applying for the peace of mind? Whole life insurance policy through Pioneer Security. Life Insurance Company. Yes. All right. And do you understand the peace of mind policy separate from any other life insurance policy that you have been presented? Yes. All right. And you do acknowledge that the application for insurance was completed over the telephone and that you were not in the presence of the licensed insurance agent who told you this policy? Yes. Do you agree that the answer is the statements you have provided while completing your application are true, complete and correctly recorded to the best of your knowledge and belief? Yes.

00:26:22:10 - 00:26:57:13

Do you acknowledge that you've received and read all the following or they have been read to you? Copy of your application. Copy the Fair Credit Reporting Notice and pre Notice Conditional Receipt. You are getting that terminal illness Accelerated Benefit rider and the confined care disclosure statement only on the preferred plan. So Mr. Richard Mayes. Today's date is six five 2022. You're authorizing Pioneer to set up automated payments for your $8,500 life insurance policy, your payment of 101 67 bill to your Huntington Bank with routing number 044000024.

00:26:57:15 - 00:27:10:19

Account number 03 0290 7903. That is a checking number immediately and then on the third of the month thereafter. Do you understand that a copy of your completed application will be provided as part of your policy contract if issued?

00:27:12:06 - 00:27:12:24

Yes.

00:27:13:05 - 00:27:18:11

All right. You acknowledge you have provided your bank account information, author as a drafting of insurance premiums from set account.

00:27:20:04 - 00:27:50:23

Yes. Do you authorise Pioneer to obtain disclosed protected health information, including prescription history and medical records for the purpose of determining eligibility for insurance? For many pharmacy, any pharmacy benefit manager that might be incorporated and do authorized entities to furnish such information to pioneer for the purpose of evaluating your application for insurance? Yes. All right. Here's a little more legalese. The medical or health information may include information, diagnosis and treatment of mental illness. Alcohol and drug use may also include information, diagnose treatment and testing results related to HIV, aids and sexually transmitted diseases unless otherwise restricted by state law.

00:27:51:00 - 00:28:11:16

Health information obtained will not be disclosed without your authorization permitted by law, in which case it may not be protected under federal privacy rules. This authorization shall be valid for two years from the state and may be revoked by sending written notice to Pioneer. Do you agree to Pioneer accepting your signature electronically through voice recording? Do you understand that by stating Yes, you are signing the application electronically just as you had signed a paper application?

00:28:12:23 - 00:28:15:23

Yes, but I don't. When am I going to receive this stuff?

00:28:16:17 - 00:28:53:04

You should get everything within 5 to 7 business days and a welcome packet. So is that a yes for the recording? Yes. All right. Thank you very much for your application. Will now be submitted to the Home office for consideration. For approval. All right. So then this will pop up. You would stop the recording like I did, and you'd open folder. Might as well save this almost immediately. All right. So congratulations, Richard. Yeah, like like you said, I wanted to get the recording done so that we can go over all this stuff. So you're going to receive a welcome packet for me and a the actual policy from Pioneer shortly thereafter.

00:28:53:12 - 00:28:58:07

So, guys, when you save it, just do Richard Mayes. You don't have to immediately. But Richard May's voice signature.

00:29:01:23 - 00:29:17:05

All right. So, Richard. Yeah, we're completely done, buddy. So I'm glad I could help you complete your coverage. So there. There. If there are any questions, please don't hesitate to call me. Okay? Let me give you my information. So you still have your pen and paper with you?

00:29:17:14 - 00:29:19:19

Yeah, just. Yeah. Just got to walk over there.

00:29:20:04 - 00:29:31:15

Gotcha. All right, so you're there and then. So I'll have you write down my first and last name. It's Ernest. Ernest. Kohl's, Kohler.

00:29:34:12 - 00:29:42:05

Okay. My direct line here is (772) 617-8477.

00:29:46:05 - 00:29:48:06

Okay. And I'm with Senior Life Services.

00:29:49:24 - 00:30:25:03

Okay, so. So you're going to receive a personal packet for me within the next week or so. And the policy itself will follow shortly after. So in your packet you're going to have a free living will. So which is completed once it's completed, I'm sorry, you will need to have it notarized. So also you are part of the script saving value program, which can potentially save you up to 80% on vision, dental, diabetic supplies, lab testing and even fitness or gym memberships. There's A18 hundred number on the back of the card, so give them a call because it's location specific and they will direct you to the nearest retailer.

00:30:25:05 - 00:30:34:04

So my business card and will all be included in the information. So you're going to have multiple ways to contact me. So if you need anything, always let me know.

00:30:36:01 - 00:30:52:23

Okay. Richard So, yeah, to answer to answer your question, like, yeah, it'll be there very quickly, but you're covered as of today. Like if something were to happen and you don't wake up tomorrow, it's going to pay out the full 8500 to James. Uh, so like, now, Mr. Mays, like, would you agree that I made a lot of promises to you today?

00:30:53:15 - 00:30:54:09

Yes.

00:30:55:02 - 00:31:25:02

Like you got immediate coverage, you got some extra benefits. You know, it's going to be in the mail very shortly. So I only need you to make me two. So no matter how long down the road, you know, two, five, ten, 15 years, if this becomes unaffordable, you have to let me know. So if you cancel it, you're going to lose all the money in equity you have built up in the policy. So we have other options. But the worst thing you can do is cancel. Okay. And then the second promise is there are a million licensed agents out there.

00:31:25:04 - 00:32:04:21

So, you know, if one of you, one of them calls you and tells tells you that your policy is garbage or they can get you a better rate, go ahead and get a quote. So after you get that quote, you're going to call me. So if it is a better policy, I'll tell you why and I'll help you with the paperwork to get it in place. If if it's not, I'm going to call the agent with you and we'll tell them why. So so so I typically like to do a 6 to 12 month policy review. So I'm actually and you might not remember, but I will put in here to call you on November 5th just to see if there is anything, you know, that we need to go, you know, go through.

00:32:06:04 - 00:32:07:20

So yeah, so let me.

00:32:09:21 - 00:32:11:22

So I'm gonna stop the share, guys.

00:32:12:16 - 00:32:13:19

Stop the recording.

00:32:15:17 - 00:32:46:02

Actually, I'm not going to stop it, so I'm going to share this again. So to answer your guys questions. So now that that's done, uh, Richard's are gone. He's off the phone now. You can keep him on the phone while you do this because you can just have, you know, a nonsense conversation. But this is where you would go into insurance application. I have all the information that I need to submit this application. So you'd go to new application and you would follow these steps here, would go to peace of mind plan.

00:32:46:09 - 00:33:02:17

It doesn't really matter if he's not where he's at. It does, obviously, but I'm just going through it. So you'd start you just start filling this out. When you submit your first one, just have somebody help you. Most of the time they're going to be off the phone. Even if they're still on the phone, who cares? You have all the information. You already made the sale.

00:33:04:23 - 00:33:29:20

The voice signature is the mail. You have the banking, you have the social, you have all the information that is going to be required. You have the name of the beneficiaries. You know what state they were born. It's all on the final expense app. So if you have all that information, you can submit, you can submit the application. So like if you're going in here, this is the application. This is the same information that you're going to have to put in over here.

00:33:31:09 - 00:33:54:05

It's all the same questions. There's nothing going on. He's a no for everything. If you're not really good about the health interview, the health, uh, qualifying people for health, I made videos on that. Basically, I did a lot of stuff. But that's when you go into here and get somebody to help. You have have have your leader double check it to make sure you're not making any mistakes. Because when you make silly mistakes, it's a lot more work to fix them than you would like.

00:33:56:11 - 00:34:01:14

So don't make mistakes, especially when you're basically submitting applications to get paid next week.

00:34:03:20 - 00:34:04:06

Right.

Watch the Full Video Here: Pioneer Sale Start to Finish