Pioneer Sale Start to Finish
Updated: Apr 17
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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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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Okay, great. Have your date of birth as 817 1948.
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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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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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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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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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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, 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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I would I would imagine this is like it's probably a wake up call for a lot of people.
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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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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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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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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.