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Sales Call with Assumption

Updated: Apr 15

Watch the Full Video Here: Sales Call with Assumption

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You get

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It also builds cash value. So that's sort of like.

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Please leave your message for James White.

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Perfect. So.

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The best value option you have.

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Hello, Roselle?

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Yes. Hey, Roselle, this is Ernest over at Senior Life Services. I'm just calling on behalf of Jacob Ortiz that you spoke to. Looks like. Was it Friday? Yes, Friday. How's everything going with you out there in Chicago?

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Pretty cold.

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Yeah, I'm from I'm from up north myself. What do you guys got for, uh, temperature today?

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No, I don't even know. I just know it's cold and freezing.

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No, I want to look it up. I want to look up my Detroit and Chicago.

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That's got family. Oh 35 So just. Just above freezing. It's like a heat wave up there, apparently.

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Uh, so the reason for my call is, like, follow up with people that, you know, Jacob talks to, and he got some information that I'm just going to confirm. It's all correct. I understand you wanted your beneficiaries to be just like me, Ernest Anthony and her. Is that correct?

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Yeah. Okay. And he put down here that you wanted to. You guys are working on canceling a term policy to get a whole life policy.

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Uh, yeah. Yeah, I get set up, though, and I said there were two because of going through something right now. My income went down, so I'm looking. I know y'all was looking for me, you know, for a little income, but I have to wait because I'm not even stable yet. I'm at my son's house.

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Oh, gotcha. Yeah. Yeah. And then it probably is. He probably was right, though. It's probably a good idea to get rid of a term because you know how they work. I mean, if you outlive them, they're no good no more. Which that, you know, I hate that the company gets to keep all the money and you get no benefit the whole life prior would work better for you. Um, so yeah, I mean, I could tell him to schedule a call back with you down the road. Uh, so you're with your son now, and when you get back on your feet, it'd be easier to try to set something like this up, is what I'm hearing.

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Okay. All right. And approximately how long would you like me to. To have him call you back? Like a week? Two weeks? A month?

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I say he trying two weeks or, you know, everything go right. I be, you know, to do something.

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Okay. Yeah. Two weeks. I'll make sure he reached out before Christmas. And, you know, before all the madness of the holidays happen. Right? You know how that goes. It's madness, at least in my household. So. All right, Roselle, I will put that in here and I'll have him give you a call back.

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All right? All right.

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Bye bye. Bye bye.

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Two hours.

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All has been forwarded to an automated voice messaging system. 6262741.

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I'm sorry. The person you are trying to reach has a voicemail box that has not been set up yet.

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Hey, help me. Good man. How you doing?

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Awesome. That's good to hear.

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I'm sorry. The person you are trying to reach has a voicemail box that has not been set up yet. Please try your call again later.

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Please leave your message for I think.

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Please leave your message for.

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So that's super, super.

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But it might be.

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Please leave your message for.

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Hello. Please leave a message after the tone.

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Yeah. Hey, Claude. How's everything going out there in Springfield?

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Pretty good.

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Good man. This is Ernest over at Senior Life Services. The reason for my call is you had spoken with one of our reps here regarding state regulated life insurance programs for Illinois, And my job is to go, Yeah, my job is to go over those benefits with you and also answer any questions that you have. Claude Always verify information just to make sure nothing's incorrect. You said that you're at 835 West Jefferson Street. Yes. All right. And your birthday is close to mine. Two 2155.

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All right. See, we're looking between five all the way up to 50,000. And that you are a non-smoker. Yes. All right. And Claude, the only thing that is missing is who did you want to. Who would you be protecting? Like with a life insurance policy? Obviously, there's somebody you're trying to protect. Who would that be in your life?

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But my older sister.

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Older sister. Okay. How much older is she than you?

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Oh, about 20 years.

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Oh, man. So she's up there. How is she doing?

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She's doing pretty good.

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Okay, so you're born in 55. 45. So you're 65. 66. And she's about 86.

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About 80. 80.

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80. Okay. Yeah. My grandma's up there about the same age, and she is a firecracker. She's not going anytime soon.

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So that sounds like your sister. What is your sister's name? Mary. Mary. Okay. Same last name.

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Well. Bennett. Okay.

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Bennett Be.

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The. EP.

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Bennett. Yeah. They know they spelled this name less last name wrong. It says bullet like a bullet or something. Don't think that's her last name. All right, so that'd be the primary beneficiary. And there's anybody else that you would add?

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No. Okay.

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And, Claude, we're consulting firm, so we don't work with one particular company. We work with all of them, you know, because our goal is always to figure out, you know, who's going to give you specifically the best rates and benefits. You with me on that? Yeah. Okay. So for Mary, obviously, we want to get her protected and just make sure is the whole goal here just to make sure she doesn't have to come out of pocket for like, funeral and things like that. Yeah, okay. Because that's typically what we handle. We're not here to leave anybody rich, but we can find that type of coverage at the lowest price end with the best benefits.

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So. So, okay, great.

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All right. Have you ever gone through this process yourself, like having to take care of somebody else's final expenses and final wishes? No. Okay. So, yeah, I mean, I'm sure, you know, people that have, um, you know, their goal here is just, you know, not to make sure that you that she doesn't have to go through it or whoever else is left behind. And basically, yeah. Based on your age mean I'm definitely going to see that we'd want to look at a whole life policy so no matter what, like we only work with companies that have very good reputations, they have to be state and federally regulated and backed by the FDIC and they have to be state approved plans.

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And this just means that the premiums never go up and the benefits never go down. And this just makes sure that Mary doesn't have to come up with like a wheelbarrow full cast when you pass away. Of course, the benefit is also paid out 100% tax free. And like a lot of companies, they will pay out immediately within 24 to 48 hours. We also require them to have A-plus ratings with the Better Business Bureau. You follow me so far? Yeah. Okay, Claude. So now that I know what's important to you and what our goal would be, what I'm going to do now is just simply take the time to ask you a few health questions.

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So whenever you look at life insurance or, you know, anything that pays for like final expenses, you always, always want to be asked health questions because it allows you to get a better rate and better benefits. So very basic stuff already have you as a non-smoker. Uh, Claude, what is your approximate height and weight?

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Five bucks. Hi. Five, seven. Okay. £160. Okay, so.

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You're at a very healthy weight. That's very good. All right. So I've been doing this a long time, so I do not need to read every single question off every application like I know where to go simply by asking you a few general questions. Fair enough. Yeah. All right. Is there anything major going on with your organs, such as your heart, lungs, liver or kidneys?

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You kidding me?

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What's going on with the kidneys?

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Uh, it's just a little. I think I fell off a bike in.

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I miss my kidneys up.

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Like, actually, like, hit them hard. Basically, like. Like a boxer and punched in the kidneys a bunch of times.

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Yes. Gotcha.

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I'm up. Okay, so you mean like a like a motorcycle bike?

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No regular bike.

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No, man. I've hurt myself on a regular bike too. People don't believe it, but I broke a femur and I try. Sometimes I'm like, Yeah, sure, it was a motorcycle. But I was just being really stupid. When I was a kid, I was trying to race and jump the stupid ramp and I went down hard and broke a femur.

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How did you go head over heels or hit something really hard or what happened?

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I don't know. I don't know what happened, but.

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They have to knock you out.

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A little bit.

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Yeah. Quick, quick. In and out situation. Mhm. Gotcha. So usually with kidneys like did they ever actually tell you like what kind of condition. Like is it renal insufficiency they got you on dialysis or any kind of medication for it.

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Well one of the dialysis every day.

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You're doing dialysis every day.

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Three times Tuesday, Thursday said okay.

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Three times a week. How long have you been doing that?

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About two years.

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Three years. Okay. Usually the one year mark, you know, signifies that, you know, if you get through that, you're going to you know, it's going to last a long time. You're going to be able to last a long time. So that's good. So take a lot out of you know, it took a lot out of my aunt.

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What is this? Take a look around me sometimes.

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Sometimes it's got to be just worse. Sometimes it's just worse than others.