May 12, 2026

Client Stories, 1,000 Client Blueprint & Travel Insurance: Real Insights That Matter

Client Stories, 1,000 Client Blueprint & Travel Insurance: Real Insights That Matter
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Season 1

Episode 10 of MedicareHour & More with Peter delivers real client stories and expert insight with Ryan Dawson on navigating Medicare today. Christian Brindle shares how agents can reach 1,000 clients using proven systems, marketing, and daily habits. Plus, a timely travel insurance spotlight for vacation season. From client experience to business growth—this episode stands out. We Medi CARE!

MedicareHour & More With Peter! is broadcast live Tuesdays at 9AM PT on K4HD Radio - Hollywood Talk Radio (www.k4hd.com) part of Talk 4 Radio (www.talk4radio.com) on the Talk 4 Media Network (www.talk4media.com). MedicareHour & More With Peter! TV Show is viewed on Talk 4 TV (www.talk4tv.com).

MedicareHour & More With Peter! Podcast is also available on Talk 4 Media (www.talk4media.com), Talk 4 Podcasting (www.talk4podcasting.com), iHeartRadio, Amazon Music, Pandora, Spotify, Audible, and over 100 other podcast outlets.

Become a supporter of this podcast: https://www.spreaker.com/podcast/medicarehour-more-with-peter--6905243/support.

WEBVTT

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This program is designed to provide general information with regards

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to the subject matters covered. This information is given with

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the understanding that neither the hosts, guests, sponsors, or station

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are engaged in rendering any specific and personal medical, financial,

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legal counseling, professional service, or any advice.

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You should seek the services of.

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Competent professionals before applying or trying any suggested ideas.

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Attention to individuals, families and caregivers. It's Medicare Hour and

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More with Peter right here on k for HD Radio.

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This is the podcast for all types of insurance solutions

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while specializing in Medicare because we Medicare. Here's your host,

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Peter R.

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Joseph. Good morning, good morning, good morning. So good to

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see you guys this morning. This is episode ten. I

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can't believe we are on episode ten. Excited about that.

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We are going to have a great show today. We've

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got a next guest coming up who's been on our

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show before, Ryan Dawson, and he'll be coming on a

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little bit later. We are going to show that clip

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too of the breaking one thousand clients and how to

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retain your clients. So for agents that are listening in,

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this is a great way for you guys to grow

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your business. Give you the secrets of how we've been

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so successful in keeping our clients with us and growing

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our business. So I'll be excited to show that video

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of the interview with Christian brindle On later on. I

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want to remind you guys, we are live on K

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four HD Radio. You can download that app. We are

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also live on Facebook on Joseph Insurance Broker, LLC, as

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well as our YouTube channel at Medicare Minute with Peter.

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You can always comment on any of those live streams

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and we will comment back and answer your questions. So

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I hope you guys do chime in so we can

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ask you some questions. All right, So today, you know

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we're gonna get ready for summer vacation, right Actually, our

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family is getting ready to go on an RV trip

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to Yellowstone, so we're excited about that. But you know,

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with any kind of travel overseas or here in the

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United States, you want to have travel insurance. Even with Medicare,

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it doesn't cover you completely, and you want to make

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sure that you're covered. You know, in terms of trip cancelations,

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COVID is still an issue in a lot of places.

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If your baggage gets lost anything like that, or you

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know you're in a place that needs to be emergency

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evacuated because of some situation. You want to be covered,

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and travel insurance is very inexpensive. So I'm going to

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show you this clip and then we'll talk about a

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little bit more.

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Hey, what's up everybody.

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This is Christian Brindle coming to you with somebody doing

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big time things in the insurance industry. I'm here with

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my dude, Peter Joseph out in California. We've never done

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one of these before. I found that kind of interesting

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when I was kind of checking on it in preparation

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of this earlier today. I'm like, man, I feel like

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maybe we've done one of these before, but we never

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have so long overdue.

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I appreciate you taking the time, my friend.

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I appreciate you making the time for me.

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This is great, Hey, the pleasures all mine.

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The kind of the topic of the day for this

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video today is what does it take to break a

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thousand clients as an agent? That really entail for anybody

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that might not be familiar with you, Peter, give us

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a little bit of an introduction for you, if you would,

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How long have you been in the industry. How did

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you get into the industry? What is your origin story?

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So I'm actually coming up on ten years almost probably

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about I think six months out right now, So basically

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been in the nonprofit sector for about twenty four years

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before I got into this industry. The reason I switched

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vocations is because we as a family were burnt out

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by a lot of the politics based in the nonprofit sector.

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You don't know, you actually move around a lot quite

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a bit, and I didn't want to put that through

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with my family move in city to city, not being established.

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My wife has a great job with the state, and

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so I wanted some more stability on my side of things,

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and I wanted to continue to help people out, and

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so I decided to transition over into this industry. Someone

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put a wig in my ear saying, hey, you know,

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seniors are so confused by the medical process. They need

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people like you who have a servants heart, who wants

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to really folks and really help them along the journey.

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Be patient. Obviously, you know our seniors love to tell stories,

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and so I felt like this would be a great

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niche and a great fit for my skill set. So

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I started basically becoming an agent. First, I went through

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quite a few companies. I was with New York Life

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on the life insurance side first, and then that's where

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I met a person who was doing medicare and so

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she introduced me to her agency and I got involved

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with them and had my start there. And then I

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was doing also a farmer's insurance on the side. So

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I wanted to continue in that P and C realm,

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maybe being like a one stop shop in the future

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for all the clients, and so that's why I kept

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my P and C license active. But Farmers wasn't a

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great fit. When you're a captive agent, you don't have

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a lot of freedom and you have a pluthroa of

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brokers and barriers to select from. So that's where I

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decided to leave. And then I decided to you know what,

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I'm going to create my own agency. I felt like

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I had a lot of experience under my belt by

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that point, so I started as a sole proprietor, created

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a corporation here in California, and then started recruiting after that.

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So along the way started getting licensed in multiple states,

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so it wasn't just in California, and it ended up

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being at thirty three states currently right now that were

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licensing and been growing ever since CB. I mean, it's

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been great. It's an amazing industry. Yeah, a lot of challenges,

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but I've been loving it every step of the way.

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And we hit that one thousand client mark probably I

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think about four months ago at this point. So excited

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about that. And that's where I'm at right now. So

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we do have about twenty five agents with me. A

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lot of them are Ubis, but yeah, that's where we're

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at right now.

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I love it well.

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I mean, congratulations on you know, hitting that thousand client mark,

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as you know, right being in the industry for a decade, right,

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And there's kind of two points I wanted to make,

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like number one, how few agents make it in this

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business for a decade plus. It's a small number of people.

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And then number two, it's probably even a smaller number

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of people that write a thousand apps. I've always said

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for anybody watching this, I've told NEWB agents that've worked

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with us this for years now. If you can write

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one app, you can write one hundred apps. If you

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can write a hundred as, you can write a thousand apps.

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So it all starts with just getting started, and then

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getting your wins and your milestones under your belt and

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just keep plugging away and good things can happen hard

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work and consistency like you've shown.

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So, reflecting back, I guess on your.

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Business, what do you feel like has been the biggest

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contributing factor to you breaking through a milestone like that

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writing a thousand apps? What do you think has been

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if you had to talk about one or two things,

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you're like, okay, that right there, that helps me get there?

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What do you think it would be?

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So there are two main things for me. One is

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you can either call it consistency or perseverance. Especially in

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this industry, things get kind of crazy and wild and

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rules change all the time and you have to adapt.

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You have to be a kind of person who's going

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to be patient and right through it. The second thing

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is mentorship. So and I'm not here to you know,

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to kiss your vite and that's that. But honestly, yes,

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I and UCB have been instrumental, especially I would say

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in the last two years of my growth, just being

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active in the seventh figure forum of Facebook, interacting with colleagues,

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knowing what's the right thing to do and what's the

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wrong thing to do, trial and error, So those things

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are key. I did have other mentors along the way,

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Fortunately I found out the hard way that they weren't

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the best mentors and they took advantage. And so there

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are people in this industry that will take advantage of you,

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and you want to make sure you align yourself with

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the right people. So those are the two key things.

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Now, I think it makes a lot of sense.

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The consistency part of it, I think is so big

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because there's an old saying and I couldn't even tell

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you said. It's probably one of those sayings that like

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has been said by one hundred different famous people, and

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like you, no one actually knows where it originated. It

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goes something along the lines of people overestimate what they

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can do in a year and underestimate what they can

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do in a decade. And I think that's very true,

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just by that hard work, that dedication, and it's not

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just the hard work of showing up every day, it's

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the hard work of finding a better way to do

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your processes than you did before, right, and that consistency

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and definitely.

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Mentorship is a huge part of it as well.

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It helps if you have some guidance along the way

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and that way not as much of a guessing game.

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Question I had for you, Peter, is the last couple

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of years since we've started working together, you've probably seen

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a lot of disruption going on in the medicare space

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in particular. Right, there's talks of things going on in

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CMS even lately.

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Right when you're working with new agents and they.

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See all of the hooplaw, I guess behind it all,

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what is your message to them about keeping them positive

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and keeping them believing in the industry.

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My phrase is always stay calm and don't freak out.

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I mean, I've been through it all in ten hours,

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and you've seen even more. So. Obviously, it is challenging,

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and there are times where I throw my hands in

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the air and go, what the heck is going on? Right?

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But honestly, out of all the products that we offer,

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medicare has been the most lucrative for us time and

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time again. I've seen just overall renewals going up every year. Yeah,

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commissions get cut on certain plans, but you work around

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it and you offer clients other plans that would fit

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for them. It's not difficult if you understand that these

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things are going to come to fruition every year. We're

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going to get hit by a storm, and it's not

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going to be pretty at times. But if you stick

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through it, I promise you those renewals and that income

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will continue to flow in. So it's even stronger than

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I would say in my experience with the P and

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C industry right now, California is like the wild wild West,

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and it's been horrendous in terms of trying to write

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policies out here. I've not found that difficulty at all

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in the medicare space. So it's completely different animals, completely

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different ballgame. And so I tell my agents, especially the

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new ones, you know, stick with me, Just give me

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a year and you'll come out the other side feeling

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blessed and very happy.

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I love it.

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I love it, and I think that's a great point

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to make, right that comparison for all that might be

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going on in the medicare space, do you compare it

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to some other lines of insurance P and C in particular,

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especially in California. Right, I don't think that there's any

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market that it's quite like California in that way. Right,

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It's like, oh, there's a lot of opportunity here by comparison,

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and I think that's a great kind of message for

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agents to understand when you take a new B agent, Peter,

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is there some tips that you typically give them to

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tell them, Okay, if you do X, Y and Z

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and you'll be successful. What are those things you think

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for a new agent to be successful? What do they

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really need to do that? It's like a non negotiable,

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So I.

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Think they have to have their hands in a lot

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of places. And what I mean by that, I've shared

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my own experience with new agents by sharing how you know,

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when I first started out, it was all grassroots. I

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did a lot of work with the Chamber of Commerce

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here locally. I became an ambassador of relationships with small

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businesses in the area and through that well renowned here

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in the city of Gino and Gino Hills, which was huge.

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It helped us lay the groundwork to go to the

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next step. The next step would be going to a

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reputable lead source. So whether it's live transfers, we use

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lead heroes. There's a little cap for you guys, but

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honestly it works, and especially with this new thing that

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you guys have done in the past two years of

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the preset appointments. That's been golden and we've had people

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actually show up, actually answer to the phone, and that's huge.

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So those leads are a little bit more solid than

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the leads where you're getting data kind of fed to

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you and you have to make those initial phone calls.

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So having a lead source is key. And then the

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next step for us was we created Facebook ads and

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so that was a great source of leads. You want

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to work with a company that knows what they're doing.

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You know, I worked with I can't remember her name

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right now, you can help me, Shanya was it?

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Yeah, SHAWNA Thorson, Yeah, yeah, yeah, so we love Shawn

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a friend of the channel.

255
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Yeah for sure. So I bought her program and it

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helped me tremendously on terms of how to set up

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our Facebook ads and what to look for, how to

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target audiences, what questions to ask.

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Yeah, I think that makes a lot of sense in

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terms of what it really takes to be successful. I

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think when you first get started, our advice is very

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much in sync with what you said there. You know,

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you need to get in front of people, and all

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business costs you time or money, right, Like, sometimes when

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you don't have enough money to pay for marketing or

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buy leads or anything like that. You get out of

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the community, you do some of that ground and pound stuff,

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and then once you got some more cash flow coming

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in and you don't have as much time to do that, necessarily,

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the leads start making a ton of sense and running

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your own ads and everything like that. Here's a fun

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question I think that I was like to ask when

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people start getting licensed in multiple states, because we're licensed

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in forty.

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Six ourself, right, is there any state.

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Licenses that you could tell people if they want to

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get licensed in a bunch of states.

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This one's a pain in the butt.

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That's a great question. I would say the ones where

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you have to either get it notarized, which I think

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is Georgia, Florida, you have to get fingerprints. California is

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the same. My non resident agents think it's a pain

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in the butt. It's pretty expensive out here too, in

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California in comparison. Yeah, so I would say definitely, Florida

285
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and Georgia come to mind.

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Yes, I think those are great ones to put up

287
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in York too.

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New York is oh my gosh, especially if you're a corporation.

289
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I had to jump through hoops to get my license there.

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It was crazy.

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Yeah, I don't know what it's looking like these days,

292
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but it was probably like five or six years ago

293
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that we got our New York corporation license and took

294
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us six months and we paid. They have a fee

295
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you can pay to expedite the process.

296
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But paid the fee. It's still too I was like,

297
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can I have my feedback?

298
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I'm like, can I have that back? Because I'm like, gosh, yeah, No,

299
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those are great ones. George is tough, California is tough.

300
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Florida is tough because of the fingerprints and everything like that.

301
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Good thing about Florida is perpetual, so that's nice.

302
00:15:15.480 --> 00:15:16.840
Another one that comes to mind, if I don't know

303
00:15:16.840 --> 00:15:18.919
if you've dealt with these yet, is any state that

304
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has a registered agent program?

305
00:15:20.440 --> 00:15:21.120
Have you ran into that?

306
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Like, what, do you have a state in mind?

307
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Yes, so, Virginia, Okay, Montana, and Michigan are the three

308
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that come to mind for me, and there's a few others.

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So registered agent programs essentially.

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What you need is you need an address that you

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can put down on the ground in the state, obviously,

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and it can't just put down some random address. It

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has to be like a legit address that they verify

314
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and they call that your registered agent. You know, somebody

315
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that's on the ground that you're a registered agent. Obviously

316
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you get non resident licensed in Virginia for your corporation,

317
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you don't have an address there.

318
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I learned this the hard way.

319
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I had my my license termed for Virginia and I

320
00:15:57.039 --> 00:15:58.600
had to reapply and go through it all over again

321
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because I didn't know about this. So there's businesses, actual

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businesses that will be your registered agent for a fee

323
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every year. It's like fifty to sixty seventy eighty bucks

324
00:16:07.679 --> 00:16:10.759
a year. Wow, it's like a shakedown. It's ridiculous.

325
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Yeah, seriously, So those are always a hoot.

326
00:16:13.679 --> 00:16:15.759
But yes, New York has got to be at the

327
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top of the list as well. Yeah, in terms of difficulty, Peter,

328
00:16:20.240 --> 00:16:22.679
when you work with a new agent, and maybe there's

329
00:16:22.679 --> 00:16:24.879
not a preference, but do you typically advise them that

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they're better off starting off selling over the phone or

331
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face to face or does it really matter?

332
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Does it more depend on them and what they prefer.

333
00:16:32.080 --> 00:16:34.759
I think it depends on them. But honestly, in my

334
00:16:34.840 --> 00:16:37.559
experience bringing the agents on, they do better when they

335
00:16:37.559 --> 00:16:39.960
do face to face. I feel like on the phone

336
00:16:40.039 --> 00:16:43.960
they get nervous, they sound very monotone, and so they

337
00:16:43.960 --> 00:16:46.799
don't sell themselves very well on the phone, and so

338
00:16:47.120 --> 00:16:49.679
I would say if they can, you know, obviously, if

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00:16:49.720 --> 00:16:51.639
they're in a rural area, it's a little bit difficult

340
00:16:52.080 --> 00:16:55.360
they're in a you know, suburban, most populated area, than

341
00:16:55.679 --> 00:16:59.399
going out there and being face to face setting up

342
00:16:59.440 --> 00:17:04.039
relationships with Mike assisted living facilities or senior community center

343
00:17:04.079 --> 00:17:04.839
as that's key.

344
00:17:05.079 --> 00:17:07.440
Yeah, Yeah, I think that's great advice. You know, I

345
00:17:07.440 --> 00:17:09.359
want to be respectful of your time, Peter. We could

346
00:17:09.400 --> 00:17:12.000
talk for another hour, but I wanted to make sure

347
00:17:12.079 --> 00:17:14.720
that I wanted anybody that was watching here today that

348
00:17:15.039 --> 00:17:18.000
might need some guidance in their business, they might need

349
00:17:18.079 --> 00:17:20.720
some mentorship. You're licensed in a lot of places, you

350
00:17:20.759 --> 00:17:22.839
said thirty three states, so there's a lot of places

351
00:17:22.839 --> 00:17:24.039
you can work with agents on.

352
00:17:24.799 --> 00:17:26.880
How can agents best get in touch with you?

353
00:17:26.960 --> 00:17:29.119
And what does it look like when agents come on

354
00:17:29.200 --> 00:17:32.119
board and partner with Peter Joseph as their mentor.

355
00:17:32.240 --> 00:17:34.200
Yeah, there's a couple of ways. They can call me

356
00:17:34.319 --> 00:17:36.680
direct on our business line. If I don't answer, we

357
00:17:36.759 --> 00:17:40.279
do have an office administrator that answers and she'll get

358
00:17:40.279 --> 00:17:42.720
the message to be quickly. That number is nine oh

359
00:17:42.839 --> 00:17:45.519
nine two one seven two six three zero. You can

360
00:17:45.519 --> 00:17:49.559
always go to our website and on our calendly link.

361
00:17:49.960 --> 00:17:52.960
There is a place for agents that want to onboard

362
00:17:53.000 --> 00:17:55.720
with us to make an appointment with me, so they

363
00:17:55.720 --> 00:17:58.960
could do. It's Josephinsurancebroker dot com. They just go there,

364
00:17:59.039 --> 00:18:01.799
go on the calendar and then set an appointment with

365
00:18:01.880 --> 00:18:04.880
us and first steps on onboarding. A lot of our

366
00:18:05.000 --> 00:18:08.920
NEWB agents haven't even taken their a hip. They're licensed.

367
00:18:09.079 --> 00:18:11.759
Obviously we've run into, we haven't run into two many

368
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situations where they're not licensed. So we take them step

369
00:18:14.839 --> 00:18:17.799
by step. We have a protocol, like a one page

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00:18:17.799 --> 00:18:20.599
PDF of steps they need to take to get to

371
00:18:21.119 --> 00:18:24.279
the level where they get contracting done. They're a hip

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00:18:24.319 --> 00:18:27.400
done sources like E and O. We have like a

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discounted link for them. So we walk them through everything

374
00:18:31.160 --> 00:18:33.519
and then they do a one on one training with

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me to just see where they're at in terms of

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00:18:36.599 --> 00:18:39.640
their knowledge and what they need to get their feet

377
00:18:39.640 --> 00:18:41.759
wet and get going. And then we do actually a

378
00:18:41.759 --> 00:18:45.119
weekly zoom training with all our agents. Since I've got

379
00:18:45.160 --> 00:18:48.039
agents all over the US. That's the easiest way for

380
00:18:48.200 --> 00:18:51.119
us to conduct trainings, and then we actually push them

381
00:18:51.400 --> 00:18:55.440
as well to do ESI in their seven figure university.

382
00:18:55.559 --> 00:18:58.039
It is amazing what you can get off of that

383
00:18:58.240 --> 00:19:00.680
site in terms of videos and training things that we

384
00:19:01.079 --> 00:19:03.920
wouldn't be able to offer. So and that's free for

385
00:19:04.119 --> 00:19:07.359
those that contract with the right contracts when they start

386
00:19:07.440 --> 00:19:10.720
so plethorough ways to be successful in our agency.

387
00:19:11.079 --> 00:19:11.480
I love it.

388
00:19:11.559 --> 00:19:13.960
Yeah, I look at it as such a value based

389
00:19:14.000 --> 00:19:16.119
filled package, you know, because not only do they get

390
00:19:16.160 --> 00:19:18.799
the mentorship of you, they get to work with you.

391
00:19:18.799 --> 00:19:21.160
You work with them directly, they get to attend your

392
00:19:21.200 --> 00:19:23.359
trainings and get access to your resources. But then they

393
00:19:23.400 --> 00:19:25.640
get all of the access to all of the resources

394
00:19:25.640 --> 00:19:28.640
behind the scenes that we provided ESI. They get invited

395
00:19:28.640 --> 00:19:31.519
to my weekly trainings, they get invited into the university

396
00:19:31.519 --> 00:19:35.319
to your point seven figure CRM lead heroes discounts.

397
00:19:34.880 --> 00:19:36.240
O the whole banana there.

398
00:19:36.279 --> 00:19:39.680
So it's a really great value based combination in terms

399
00:19:39.759 --> 00:19:43.079
of a benefit package. So, guys, if you are watching

400
00:19:43.119 --> 00:19:45.279
this and you want to break into the business and

401
00:19:45.319 --> 00:19:47.359
you just don't know how, you want to work with

402
00:19:47.400 --> 00:19:49.480
somebody that is going to give you the time of day,

403
00:19:49.519 --> 00:19:51.920
that's going to work with you, that's going to guide

404
00:19:51.920 --> 00:19:54.079
you in the right direction, somebody that's been doing a

405
00:19:54.079 --> 00:19:57.359
long time, somebody that's been successful. Peter is your guy,

406
00:19:57.480 --> 00:19:59.279
so make sure to reach out to him on that

407
00:19:59.519 --> 00:20:01.759
and you get to work with USI as a result

408
00:20:01.799 --> 00:20:02.119
as well.

409
00:20:02.240 --> 00:20:04.000
Can't get too much better than that, Peter.

410
00:20:04.119 --> 00:20:07.680
Is there any particular states that you guys are focused

411
00:20:07.720 --> 00:20:08.359
on quite a bit?

412
00:20:08.400 --> 00:20:09.119
A number of states?

413
00:20:09.160 --> 00:20:11.000
I know it's probably not realistic to go through all

414
00:20:11.000 --> 00:20:13.160
the states your license and when you're not in but

415
00:20:13.640 --> 00:20:16.359
is there any particular ones that you guys have you know,

416
00:20:16.480 --> 00:20:17.759
a good bit of experience in.

417
00:20:18.200 --> 00:20:21.119
I would say, well, obviously California. We're always looking for

418
00:20:21.640 --> 00:20:25.240
local agents, so anyone in southern California, this would be

419
00:20:25.279 --> 00:20:28.519
an opportune place for you to hop on board. Texas

420
00:20:28.640 --> 00:20:31.279
we've got some seasoned agents out there that we can

421
00:20:31.279 --> 00:20:34.960
connect you with, and Washington got some agents out there

422
00:20:35.160 --> 00:20:37.599
that we can connect you with as well. And then

423
00:20:37.720 --> 00:20:40.240
I would say the last state would be Michigan. We

424
00:20:40.279 --> 00:20:43.400
do have some seasoned agents out there, so we're always

425
00:20:43.440 --> 00:20:46.839
looking at ways where Obviously I'm out here in California,

426
00:20:46.839 --> 00:20:49.279
and if you're in Michigan. We want to make sure

427
00:20:49.319 --> 00:20:52.880
you connect with living people face to face versus me

428
00:20:53.079 --> 00:20:56.440
over zoom. So that's another avenue that we set up

429
00:20:56.440 --> 00:20:58.519
for you, guys, where we connect you with other agents

430
00:20:58.559 --> 00:20:59.400
in our agency.

431
00:21:00.079 --> 00:21:00.480
I love it.

432
00:21:00.640 --> 00:21:02.240
Thank you, my friend for doing this. This was a

433
00:21:02.319 --> 00:21:04.559
lot of fun. I appreciated the conversation and.

434
00:21:04.640 --> 00:21:06.839
I did too again soon. Yeah, it was great.

435
00:21:06.880 --> 00:21:10.400
Thanks CB, everybody. Thanks so much for watching all the

436
00:21:10.400 --> 00:21:10.880
way to the end.

437
00:21:10.920 --> 00:21:13.160
If you enjoyed this conversation and you'd like to see

438
00:21:13.240 --> 00:21:15.240
more like it, the only way we're gonna know that

439
00:21:15.839 --> 00:21:17.839
is if you smash the like button for the YouTube algorithm.

440
00:21:17.839 --> 00:21:19.680
It's gonna help so many more people find this video

441
00:21:19.720 --> 00:21:21.279
who desperately need to hear this information.

442
00:21:21.599 --> 00:21:22.839
Comment your thoughts down below.

443
00:21:23.039 --> 00:21:25.759
How many questions you have for myself repeater, Make sure

444
00:21:25.799 --> 00:21:27.400
to subscribe. We put out weekly videos to help you

445
00:21:27.440 --> 00:21:29.599
great business and until next time, we'll be back with

446
00:21:29.640 --> 00:21:30.839
somebody doing big time things.

447
00:21:30.880 --> 00:21:33.000
Thanks everybody, and here's to your massive success.

448
00:21:42.400 --> 00:21:45.160
Awesome, awesome. I hope you guys enjoyed that clip. If

449
00:21:45.200 --> 00:21:47.839
you guys are an agent listening in and you are

450
00:21:47.839 --> 00:21:50.279
interested in joining our agency, you're out here in southern

451
00:21:50.279 --> 00:21:53.920
California or the other states we mentioned. Please reach out

452
00:21:53.920 --> 00:21:57.920
to us again Josephinsurancebroker dot com. You can send an

453
00:21:57.920 --> 00:22:01.079
appointment with me and we'll get you on board. All right,

454
00:22:01.880 --> 00:22:04.839
without further ado, I do want to make sure Ryan's

455
00:22:04.880 --> 00:22:06.599
been waiting a little bit, so we want to get

456
00:22:06.640 --> 00:22:08.079
Ryan Dawson on here.

457
00:22:10.799 --> 00:22:12.359
Ap Ryan.

458
00:22:12.400 --> 00:22:13.079
How are you, man?

459
00:22:13.519 --> 00:22:15.279
I'm good. How are you good?

460
00:22:15.319 --> 00:22:17.640
Good? I'm hanging in there, man, welcome back to the show.

461
00:22:17.640 --> 00:22:20.880
I appreciate you making the time again before us. So

462
00:22:21.000 --> 00:22:23.759
we're gonna instead of making it educational, we're gonna keep

463
00:22:23.799 --> 00:22:26.920
it real this time. We're gonna have some banter and

464
00:22:27.039 --> 00:22:30.279
uh see what you're up to. Man. So, so what's

465
00:22:30.319 --> 00:22:32.319
new since the last time you came on board?

466
00:22:34.880 --> 00:22:38.079
Well, yeah, first, thanks thanks for having me on. As

467
00:22:38.160 --> 00:22:41.400
far as what's new, you know, I'm attending the Active

468
00:22:41.440 --> 00:22:44.640
Living Expo this weekend with my wife, so I'm looking

469
00:22:44.680 --> 00:22:49.920
forward to that. But yeah, where's that taking place? By

470
00:22:49.960 --> 00:22:53.440
the way, It's in Spokane, So it's at the Mirraboo

471
00:22:53.519 --> 00:22:59.119
Park Hotel in the Spokane Valley. So yeah, I'm looking

472
00:22:59.240 --> 00:23:02.799
looking forward to. I gotta I got a my advert.

473
00:23:02.880 --> 00:23:07.480
I got an advertisement in there promoting Dawson Insurance Group.

474
00:23:07.599 --> 00:23:10.880
So that's that's pretty cool, awesome. I didn't have to

475
00:23:11.079 --> 00:23:13.240
put any work in it. They they did it for me,

476
00:23:13.359 --> 00:23:14.279
so that was nice.

477
00:23:15.160 --> 00:23:17.359
Nice. Nice. Are you How long are you there for?

478
00:23:18.480 --> 00:23:21.440
Probably going to be there about four hours, So I'm

479
00:23:21.440 --> 00:23:23.799
still trying to decide if I should hand anything out.

480
00:23:23.920 --> 00:23:27.079
I'm gonna obviously hand out as many business cards as possible,

481
00:23:28.160 --> 00:23:30.279
just mainly I think it's going to be a good

482
00:23:30.519 --> 00:23:33.880
mark or a good networking opportunity. There's going to be

483
00:23:33.920 --> 00:23:39.640
a lot of like senior living places, and I think

484
00:23:39.720 --> 00:23:43.359
AARP is going to be there, so I'm mostly just

485
00:23:43.440 --> 00:23:46.039
looking looking to network with those people, and of course

486
00:23:46.079 --> 00:23:51.000
if meet any potential beneficiaries.

487
00:23:51.000 --> 00:23:54.920
Okay, okay, yeah, hopefully hopefully you meet some carriers too,

488
00:23:55.200 --> 00:23:57.920
other than do you know if like Humana is going

489
00:23:57.960 --> 00:24:00.480
to be there or any other carry or is it

490
00:24:00.559 --> 00:24:01.119
just ARP.

491
00:24:02.039 --> 00:24:07.000
I know that United is sponsoring an agency or agent

492
00:24:07.960 --> 00:24:11.119
to be there, and I've tried reaching out to the

493
00:24:11.160 --> 00:24:13.920
local Human A rep in the area, and he he

494
00:24:14.079 --> 00:24:17.160
first like was really responsive and then he's just kind

495
00:24:17.160 --> 00:24:19.839
of been ghosts. Not not to call anybody out or anything.

496
00:24:19.880 --> 00:24:22.640
No, no, no, yeah, awesome.

497
00:24:22.759 --> 00:24:26.119
Well I'm not wallfish in a big pond, you know.

498
00:24:26.799 --> 00:24:29.200
Yeah, well you're gonna get bigger, my friend, you are

499
00:24:29.240 --> 00:24:31.960
definitely gonna get bigger. So hey, if you guys are

500
00:24:32.000 --> 00:24:34.079
out in the state of Washington, you know, check Ryan

501
00:24:34.160 --> 00:24:38.559
out at that venue again. What's that date again, Ryan.

502
00:24:39.200 --> 00:24:41.680
Let's see here May sixteenth, So this Saturday?

503
00:24:42.240 --> 00:24:47.480
Awesome? Awesome? So hey man, so you know we're talking

504
00:24:47.519 --> 00:24:50.839
about Medicare. You know, what's what's one thing that people

505
00:24:50.880 --> 00:24:54.079
think they understand but actually don't about Medicare. What what

506
00:24:54.119 --> 00:24:55.960
are some conversations you've run into.

507
00:24:57.880 --> 00:25:02.119
Oh, wow, that's a good one. There's a lot, Yeah,

508
00:25:02.160 --> 00:25:10.720
there is, right. I'd say the most common misconception is

509
00:25:10.759 --> 00:25:14.359
just the different parts of Medicare, Like no one has

510
00:25:14.480 --> 00:25:18.680
any idea what it is or what they have. So

511
00:25:18.960 --> 00:25:22.720
a very common like phone call I'll get after I enroll,

512
00:25:22.799 --> 00:25:26.960
someone is like what do I have? And I'm like,

513
00:25:27.000 --> 00:25:29.039
we just spent an hour on the phone, you know,

514
00:25:29.119 --> 00:25:31.480
going over everything. And I think it's mostly like because

515
00:25:31.519 --> 00:25:35.200
they they get their Medicare card in the mail and

516
00:25:35.240 --> 00:25:39.039
then they get the paperwork from Social Security and it's

517
00:25:39.119 --> 00:25:41.799
it's telling them you need to set up Part D coverage,

518
00:25:42.519 --> 00:25:45.440
and then I think it has like their their bill,

519
00:25:45.559 --> 00:25:49.119
their Part D bill, right their their their premium, and

520
00:25:49.160 --> 00:25:51.359
so we go through the whole process of like picking

521
00:25:51.359 --> 00:25:56.119
a plan. Majority of my clients are on Medicare Advantage

522
00:25:56.720 --> 00:25:59.079
and so, which is known as Part C, and so

523
00:25:59.160 --> 00:26:01.559
they they call me and they say, well, do I

524
00:26:01.599 --> 00:26:05.559
have prescription coverage? I mean, they're just things like that,

525
00:26:05.799 --> 00:26:10.200
and so it's that that's a pretty common misconception. Another

526
00:26:10.279 --> 00:26:14.200
thing that I'm running into is I have lost a

527
00:26:14.240 --> 00:26:18.359
couple gotten them back, but they'll they'll see like a

528
00:26:18.400 --> 00:26:22.319
TV commercial and so they'll call like the number on

529
00:26:22.400 --> 00:26:28.200
the TV. These people will tell them that like everything's covered,

530
00:26:28.920 --> 00:26:31.920
so they'll get them like in a different plan. It'll

531
00:26:31.920 --> 00:26:34.240
be like a Part B give back plan. For some reason,

532
00:26:34.279 --> 00:26:37.200
I lose a fair amount of people on the Part

533
00:26:37.240 --> 00:26:43.680
B givebacks. Yeah, yeah, And then it's never explained to

534
00:26:43.720 --> 00:26:46.440
them that, like typically on the Part B give back plans,

535
00:26:46.799 --> 00:26:49.559
the deductible or the max out of pocket is extremely high.

536
00:26:49.799 --> 00:26:54.799
On average, it's around nine thousand dollars higher copays, you

537
00:26:54.880 --> 00:26:57.680
get less benefits. So the dental is usually a lot

538
00:26:57.759 --> 00:27:02.640
worse vision things like that. So people just don't realize

539
00:27:02.640 --> 00:27:05.400
that to get something you're losing something at the same

540
00:27:05.440 --> 00:27:07.400
time for sure.

541
00:27:07.480 --> 00:27:10.519
For sure. And then just to piggyback on that, I mean,

542
00:27:10.559 --> 00:27:16.519
if people don't know CMS started replacing Medicare IDs, I

543
00:27:16.599 --> 00:27:19.359
know people are aware of that because of fraud, and

544
00:27:19.440 --> 00:27:21.920
so I've had situations where people call me and they

545
00:27:21.920 --> 00:27:24.319
give me their medicare idea and it doesn't populate at all,

546
00:27:24.359 --> 00:27:26.920
and it's because they didn't realize they got a new

547
00:27:26.920 --> 00:27:28.599
card and so they have to call in and get

548
00:27:28.839 --> 00:27:31.640
a new ID and it just messes everything up. So

549
00:27:32.839 --> 00:27:36.680
keep that in mind, guys. Obviously CMS is starting to

550
00:27:36.759 --> 00:27:38.880
replace those, so you want to make sure that you've

551
00:27:38.880 --> 00:27:41.599
got the most up to date Medicare ID for you, guys.

552
00:27:44.039 --> 00:27:47.440
So what frustrates you the most in this industry right now?

553
00:27:47.480 --> 00:27:53.400
Ryan, The most frustrating thing I think I'm dealing with

554
00:27:53.519 --> 00:27:59.440
right now is just marketing, And it seems like Facebook

555
00:27:59.599 --> 00:28:01.960
is just it's just like you'll go through You'll have

556
00:28:02.000 --> 00:28:05.319
one week where your Facebook ads are like running really well,

557
00:28:05.400 --> 00:28:07.000
and then the next week it just kind of like

558
00:28:07.720 --> 00:28:12.359
falls apart essentially. So that's one thing that's really frustrating.

559
00:28:12.559 --> 00:28:17.160
I Mean, this morning, I woke up in the CRM

560
00:28:17.200 --> 00:28:20.640
that I'm using all of a sudden, a feature that

561
00:28:20.680 --> 00:28:23.319
I was using is disabled, So now like none of

562
00:28:23.319 --> 00:28:26.160
my automations are running. So it's you know, it's just

563
00:28:26.200 --> 00:28:29.240
a part of being a business owner. There's always things

564
00:28:29.240 --> 00:28:31.240
that are going to be popping up, and you always

565
00:28:31.240 --> 00:28:35.720
need to just be in a mindset of solving the

566
00:28:35.759 --> 00:28:38.319
problem and just never giving up, you know.

567
00:28:39.519 --> 00:28:42.119
Yeah, and I think you know a lot of businesses,

568
00:28:42.160 --> 00:28:44.319
it's not just us, but a lot of industries I

569
00:28:44.359 --> 00:28:47.880
heard are frustrated with Facebook. I just think it's the

570
00:28:47.920 --> 00:28:51.640
algorithm changes all the time, their platform changes all the time,

571
00:28:51.720 --> 00:28:53.400
and so we kind of have to keep up and

572
00:28:53.519 --> 00:28:57.880
figure things out. But yeah, I definitely understand the frustration there.

573
00:28:59.359 --> 00:29:03.000
What do you think I think, you know, we talked

574
00:29:03.000 --> 00:29:07.319
about how people don't really understand medicare, you know, health

575
00:29:07.319 --> 00:29:10.559
insurance in a nutshell, people just don't understand it. Like,

576
00:29:10.759 --> 00:29:13.720
what what do you think is like the most confusing

577
00:29:13.839 --> 00:29:15.319
part of health insurance?

578
00:29:19.880 --> 00:29:22.119
I mean it's a lot. I mean that's yeah, we

579
00:29:22.160 --> 00:29:26.720
could talk about that all day. I kind of want to. So,

580
00:29:26.720 --> 00:29:28.839
so the first thing that popped up in my head

581
00:29:28.839 --> 00:29:31.400
when you said that, well, just health insurance in general,

582
00:29:31.480 --> 00:29:33.039
like not just Medicare.

583
00:29:32.960 --> 00:29:35.559
Yeah, just I mean, yeah, we could go into Medicare,

584
00:29:35.599 --> 00:29:37.920
but just health insurance in general too.

585
00:29:39.079 --> 00:29:46.240
I mean health insurance in general. I mean a lot

586
00:29:46.240 --> 00:29:48.400
of people just don't know how to properly use their

587
00:29:48.400 --> 00:29:52.880
health insurance. So I think the fact that there's so

588
00:29:53.000 --> 00:29:59.480
many different like networks, there's PPOs, HMOs, epos, that that

589
00:29:59.599 --> 00:30:02.200
makes it really confusing for people. I think one of

590
00:30:02.240 --> 00:30:06.000
the biggest misconceptions that I run into is that the

591
00:30:06.039 --> 00:30:10.720
PPO is somehow a better plan just because it's a PPO.

592
00:30:11.599 --> 00:30:15.559
And so another really big misconception is that, like people

593
00:30:15.640 --> 00:30:19.599
don't realize that all of the insurance carriers offer hundreds

594
00:30:19.839 --> 00:30:25.079
of different plans, I mean, if not thousands, So every

595
00:30:25.119 --> 00:30:31.640
single plan is different, right, So people might think like, oh,

596
00:30:31.720 --> 00:30:34.400
my employer plan with blue Cross is going to be

597
00:30:34.400 --> 00:30:37.799
the same Blue Cross that they get through the marketplace.

598
00:30:38.359 --> 00:30:42.279
Or Now that's a great point. I mean, people get

599
00:30:42.319 --> 00:30:46.160
confused about just because the carrier name is there, it

600
00:30:46.200 --> 00:30:48.519
doesn't mean it's going to be the same across the board. Right,

601
00:30:49.359 --> 00:30:52.680
Employer groups have way different benefits than what's out in

602
00:30:52.720 --> 00:30:55.319
the marketplace, and so people have to be aware of

603
00:30:55.319 --> 00:31:00.319
That's that's a great point. Do you think do you

604
00:31:00.359 --> 00:31:04.160
have like a situation where you think someone's made a

605
00:31:04.200 --> 00:31:06.440
horrible choice about Medicare. You don't have to give me

606
00:31:06.480 --> 00:31:12.119
a name, that they made a drastic, horrible decision in

607
00:31:12.160 --> 00:31:15.200
their healthcare choice or Medicare choice, whatever one you want

608
00:31:15.240 --> 00:31:19.599
to pick, and had a hard time coming back from that.

609
00:31:20.079 --> 00:31:22.519
Do you have a situation in mind of a person

610
00:31:22.559 --> 00:31:23.640
that's made a mistake.

611
00:31:26.160 --> 00:31:29.880
Well, last month I had a client who was on

612
00:31:29.960 --> 00:31:35.240
a d snip full full Medicaid and he of course

613
00:31:35.279 --> 00:31:38.720
got the letter in the mail from Medicare or Social

614
00:31:38.759 --> 00:31:41.720
Security saying he's going to have a Part B premium,

615
00:31:41.839 --> 00:31:46.839
and then he called and canceled his Medicare decentent plan

616
00:31:47.559 --> 00:31:49.799
a day before it was going to go in effect.

617
00:31:50.640 --> 00:31:54.440
Oh geez, So I had that scenario. I have another

618
00:31:54.519 --> 00:32:00.240
scenario that happened that I just dealt with. Some How

619
00:32:00.319 --> 00:32:04.279
this lady's plan she was we went with the Humana

620
00:32:04.319 --> 00:32:09.960
give back plan. Somehow she was switched into a different

621
00:32:10.039 --> 00:32:14.160
Humana plan that's non commissionable with a fifteen dollars premium,

622
00:32:14.839 --> 00:32:18.279
three star rated plan. I have no idea how that happened.

623
00:32:19.720 --> 00:32:23.799
Super upset because she got I think that that plan

624
00:32:24.440 --> 00:32:28.359
offered a OTC card the give back plan didn't, so

625
00:32:28.400 --> 00:32:31.519
she got the OTC card in the mail. We were

626
00:32:31.519 --> 00:32:33.640
able to get her back into the part by give

627
00:32:33.720 --> 00:32:35.559
back plan, but then she went to go use the

628
00:32:35.599 --> 00:32:39.839
OTC card because she's extremely confused, and so that that

629
00:32:40.000 --> 00:32:46.400
kind of caused like a whole nother plethora of problems

630
00:32:46.480 --> 00:32:48.640
and confusion for the member.

631
00:32:49.000 --> 00:32:49.519
I think.

632
00:32:51.359 --> 00:32:56.480
Just all of the marketing and all the advertisements that

633
00:32:56.519 --> 00:32:58.759
people see, it just makes it so hard for the

634
00:32:59.640 --> 00:33:01.559
benefit fisheries and navocate.

635
00:33:02.680 --> 00:33:06.119
For sure. For sure, do you want to tell people

636
00:33:06.160 --> 00:33:10.119
how you came across our agency and how you joined us.

637
00:33:10.160 --> 00:33:17.559
I mean, obviously we met through social media, but what

638
00:33:18.039 --> 00:33:22.559
attracted you to kind of our model and what's made

639
00:33:22.599 --> 00:33:24.799
you kind of stick around these last few months?

640
00:33:26.960 --> 00:33:30.759
Yeah, I mean, so I got into insurance in twenty eighteen.

641
00:33:30.920 --> 00:33:33.559
I got really I feel like I got really lucky

642
00:33:34.440 --> 00:33:38.759
with the employer that I worked for because in the beginning,

643
00:33:38.839 --> 00:33:42.480
like I've always naturally been really good at sales, but

644
00:33:42.559 --> 00:33:45.799
I still had a lot to learn because it's an

645
00:33:45.839 --> 00:33:51.720
emotional rollercoaster that not everybody can can make it. And

646
00:33:51.880 --> 00:33:55.160
I was really blessed with the I guess like the

647
00:33:55.240 --> 00:33:58.759
group of people that also worked there, and the manager.

648
00:33:59.000 --> 00:34:00.799
You know, he was the manager at the time, and

649
00:34:00.839 --> 00:34:04.279
then he became the owner and I was able to

650
00:34:04.319 --> 00:34:10.639
get like mentored by him. The reason why I'm going

651
00:34:10.639 --> 00:34:12.920
that back into my journey is because I think it's

652
00:34:13.000 --> 00:34:16.599
really important to find good like leaders and mentors in

653
00:34:16.639 --> 00:34:22.400
this space. And also it does come down on you

654
00:34:22.480 --> 00:34:24.920
as well, So you got to be willing to grow

655
00:34:24.960 --> 00:34:28.880
and take constructive criticism, and a lot of people just

656
00:34:28.920 --> 00:34:32.960
can't do that. So kind of fast forward to twenty

657
00:34:33.039 --> 00:34:37.440
twenty five. I had always kind of wanted to go independent.

658
00:34:37.559 --> 00:34:40.360
I did have an opportunity where, you know, that person

659
00:34:40.480 --> 00:34:45.400
was going to bankroll in a office for me in Washington,

660
00:34:46.480 --> 00:34:50.280
and it just kind of came to just a situation

661
00:34:50.440 --> 00:34:54.079
where I just didn't think that that was the right

662
00:34:54.199 --> 00:34:57.239
decision for me and my family anymore, and so I

663
00:34:57.280 --> 00:35:01.519
went independent. So before I actually made the jump, I

664
00:35:01.559 --> 00:35:06.639
started researching the whole industry. So I think I started

665
00:35:06.639 --> 00:35:09.639
out on like insurance forms. Have you ever been on

666
00:35:09.840 --> 00:35:16.480
I think it's like insurance forms dot com, Peter, Yeah, Yeah,

667
00:35:16.840 --> 00:35:20.880
So I think I started there. I actually ordered Christian

668
00:35:20.880 --> 00:35:23.719
Brindle's book. I think I mentioned that the last time

669
00:35:23.760 --> 00:35:29.880
I was Yeah, on the on the pod. I think.

670
00:35:30.000 --> 00:35:32.519
I think when I initially or you reached out to

671
00:35:32.559 --> 00:35:35.960
me because I posted in the in one of the

672
00:35:36.000 --> 00:35:43.280
Facebook groups, I had initially told you no, thank you. Yeah. Yeah,

673
00:35:43.559 --> 00:35:46.079
So I think the reason why I decided to go

674
00:35:46.159 --> 00:35:50.239
with you, I mean, I I do see value in

675
00:35:50.920 --> 00:35:54.519
having the support that you do offer. So I think

676
00:35:54.719 --> 00:35:57.519
just having like a I don't know if community is

677
00:35:57.519 --> 00:36:00.400
the right word, but just somebody who's like a phone

678
00:36:00.400 --> 00:36:03.840
call away that can that can help you with with scenarios.

679
00:36:03.920 --> 00:36:07.880
I mean I didn't have any Medicare experience in the beginning,

680
00:36:08.079 --> 00:36:11.079
but I was able to kind of leverage all the

681
00:36:11.119 --> 00:36:14.039
other skills that I had to kind of fake my

682
00:36:14.119 --> 00:36:18.599
way through it in the beginning. So yeah, I mean

683
00:36:18.679 --> 00:36:22.559
having you there as a resource resource has been very helpful.

684
00:36:23.159 --> 00:36:27.880
Also during AEP, you know, I was able to lend

685
00:36:27.920 --> 00:36:30.239
a hand to some of the other agents as well,

686
00:36:30.760 --> 00:36:33.519
So that got me like constantly. I mean I've always

687
00:36:33.559 --> 00:36:37.039
naturally done that. So I've always naturally just helped people

688
00:36:37.039 --> 00:36:38.840
in sales. I get a lot out of it, as

689
00:36:39.119 --> 00:36:41.000
you do as well. It's probably why you're doing this.

690
00:36:42.480 --> 00:36:45.199
So I think just having that community, having people who

691
00:36:45.239 --> 00:36:48.400
are just a phone call away is really important helping

692
00:36:48.599 --> 00:36:55.159
navigate the contracting process. The weekly trainings are are super valuable.

693
00:36:56.280 --> 00:36:58.719
And then all the other resources that you you've offered,

694
00:36:58.800 --> 00:37:01.760
like the doctor offices and things like that, I think

695
00:37:01.800 --> 00:37:06.519
are are really really valuable for new agents.

696
00:37:07.199 --> 00:37:11.880
Yeah. I remember that first initial conversation and I was like,

697
00:37:12.000 --> 00:37:14.800
you know, I wanted to be there for you, but

698
00:37:15.199 --> 00:37:19.039
obviously you know you had to think things through. And

699
00:37:20.440 --> 00:37:23.559
I'll just say just on our podcast, Ryan's one of

700
00:37:23.599 --> 00:37:30.280
our star wart agents. He's very independent, does things on

701
00:37:30.320 --> 00:37:35.199
his own that are not comfortable but help him grow.

702
00:37:35.320 --> 00:37:38.920
And he's also been just a great mentor to our

703
00:37:38.960 --> 00:37:42.199
other agents, especially over the last AP. I remember you

704
00:37:42.280 --> 00:37:46.079
did hop on some calls with our agents. I appreciated that,

705
00:37:46.199 --> 00:37:48.840
and I think you're going to come a long way.

706
00:37:48.920 --> 00:37:53.440
I think your business is going to grow exponentially. And obviously,

707
00:37:54.000 --> 00:37:58.159
you know we had that relationship with ESI and Christian Brindle,

708
00:37:58.239 --> 00:38:01.159
which you came across with his books, so I'm sure

709
00:38:01.199 --> 00:38:04.519
that helped too. And he's got a plothora of resources

710
00:38:04.559 --> 00:38:07.679
that are available to all you guys. So Ran I

711
00:38:07.960 --> 00:38:12.559
greatly appreciate you and your character and your friendship, and

712
00:38:12.639 --> 00:38:14.719
so I'm so glad you're a part of our agency.

713
00:38:16.719 --> 00:38:19.800
What what's one thing that keeps you grounded outside of

714
00:38:19.840 --> 00:38:20.559
this business?

715
00:38:23.679 --> 00:38:27.559
Keeps me grounded? I mean at the same time that

716
00:38:27.679 --> 00:38:31.000
I got into this business, I had a newborn, I

717
00:38:31.039 --> 00:38:34.599
got married. Uh you know, I had just gotten married,

718
00:38:34.639 --> 00:38:39.159
had a newborn. So kind of we've been focused. You know,

719
00:38:39.199 --> 00:38:41.559
my wife and I have been trying to navigate our

720
00:38:42.519 --> 00:38:45.719
our new life with our son and the new dynamic

721
00:38:45.800 --> 00:38:49.360
and the relationship, and we've definitely you know, it's been

722
00:38:49.360 --> 00:38:54.280
a growing and learning experience, you know. So what keeps

723
00:38:54.280 --> 00:38:56.239
me grounded is I'm you know, I'm doing this for

724
00:38:56.320 --> 00:39:01.320
my family. Also at the same time, I really really

725
00:39:01.360 --> 00:39:04.719
do at the core of my being, I really do

726
00:39:04.920 --> 00:39:07.760
like what I do. I've made the decision that this

727
00:39:07.920 --> 00:39:09.519
is what I'm going to do for the rest of

728
00:39:09.519 --> 00:39:13.519
my life. And so that you know, I'm just I'm

729
00:39:13.519 --> 00:39:18.239
all in. I burned the boats essentially, so kind of

730
00:39:18.280 --> 00:39:21.119
just you know, making that decision and just being all

731
00:39:21.159 --> 00:39:24.400
in on something. I think that just removes a lot

732
00:39:24.400 --> 00:39:26.679
of the anxiety and self doubt.

733
00:39:27.480 --> 00:39:30.639
Awesome. Well, if you guys want to get ahold of Ryan,

734
00:39:30.719 --> 00:39:35.000
his information is is scrolling down below. Dawson Insurance group.

735
00:39:35.400 --> 00:39:37.719
His phone number five O nine two O nine nine

736
00:39:37.840 --> 00:39:38.559
one eight one.

737
00:39:38.679 --> 00:39:43.639
His website is Dawson Insurancegroup dot com. You know, Ryan

738
00:39:43.760 --> 00:39:47.320
also just moved from Texas, so you've been undergoing a

739
00:39:47.360 --> 00:39:51.480
lot of different changes. But you're definitely going strong, my friend.

740
00:39:51.880 --> 00:39:55.239
We're gonna do an ending of this with rapid fire

741
00:39:55.880 --> 00:39:59.360
like we did last time. So I'm gonna shoot and

742
00:39:59.400 --> 00:40:03.039
then you just answer away, right, all right, So this

743
00:40:03.079 --> 00:40:05.920
one's going to be the hardest question probably you've had,

744
00:40:06.000 --> 00:40:10.079
but and it's you know, we we do have prospects

745
00:40:10.079 --> 00:40:13.960
and clients listening in. But what is the worst type

746
00:40:14.000 --> 00:40:14.519
of client?

747
00:40:15.519 --> 00:40:17.280
And you could be honest, you don't have to say

748
00:40:17.280 --> 00:40:19.679
a name, but what's the worst type of client that

749
00:40:19.719 --> 00:40:25.199
you've ever had? Oh?

750
00:40:25.239 --> 00:40:27.400
Man, I don't know if I should say this? The

751
00:40:27.480 --> 00:40:31.440
people who are also on who are on our dual medicaid?

752
00:40:31.519 --> 00:40:34.360
Yeah? Well why why why is that? Though? Why is that?

753
00:40:34.480 --> 00:40:36.920
I mean, why don't you share the audience? Why? Why

754
00:40:37.000 --> 00:40:38.440
is that? The worst type of client?

755
00:40:39.760 --> 00:40:43.400
I mean, okay, the worst ones, I'd say are the

756
00:40:43.440 --> 00:40:50.480
ones that our Q ANDB or need to be need

757
00:40:50.559 --> 00:40:54.159
help qualifying for Q and B because they don't have

758
00:40:54.280 --> 00:40:59.440
enough work credits. It's they don't know how to use

759
00:40:59.480 --> 00:41:01.840
a computer. They don't have a computer, they don't know

760
00:41:01.880 --> 00:41:05.960
how to navigate anything online. They can't send in just

761
00:41:06.400 --> 00:41:10.519
just simple requests like take a picture of like like

762
00:41:10.559 --> 00:41:13.920
I'm working with a ship organization in a state right

763
00:41:13.960 --> 00:41:17.039
now to help somebody, and all she needs is a

764
00:41:17.079 --> 00:41:20.559
picture of his Medicare card and a picture of his

765
00:41:20.599 --> 00:41:23.079
benefits a word letter. And I've been trying to get

766
00:41:23.079 --> 00:41:26.079
that from this guy for two weeks now, and you

767
00:41:26.159 --> 00:41:29.519
just you just can't do it. So I still at

768
00:41:29.519 --> 00:41:31.519
the end of the day, like I'm not judging, but

769
00:41:31.800 --> 00:41:35.360
I do want to help these people. And so unfortunately

770
00:41:35.440 --> 00:41:39.840
these people, this demographic, they need the most help. But

771
00:41:40.039 --> 00:41:43.760
it's like it's also a two way, two way street.

772
00:41:44.679 --> 00:41:47.639
It is. And I think, you know, to piggyback on

773
00:41:47.679 --> 00:41:51.119
the dual plan folks as well. I think the hard

774
00:41:51.119 --> 00:41:55.119
part is I think agents tend to focus in on

775
00:41:55.400 --> 00:41:59.159
and they get inundated with phone calls, right, and so

776
00:42:00.079 --> 00:42:04.000
are always being attracted to the latest carrot in front

777
00:42:04.000 --> 00:42:07.320
of them, And unfortunately, sometimes those plans aren't the best

778
00:42:07.320 --> 00:42:10.079
for them. And so a lot of times with the

779
00:42:10.199 --> 00:42:13.639
dual situation, if you guys don't know, they can switch

780
00:42:13.960 --> 00:42:17.719
every month if it's an integrated plan, and so that

781
00:42:17.760 --> 00:42:19.880
makes it difficult for US agents to keep them on

782
00:42:19.920 --> 00:42:24.760
our books. So that makes it difficult. So what's what's

783
00:42:24.800 --> 00:42:30.079
the most overrated marketing strategy that you've heard of? Overrated?

784
00:42:32.360 --> 00:42:34.840
I mean you've probably heard this before, but I think

785
00:42:35.000 --> 00:42:39.280
any marketing where you're marketing the food cards is just trash.

786
00:42:39.519 --> 00:42:42.400
You should you should stop doing that immediately.

787
00:42:42.760 --> 00:42:47.519
I agree. And then what's the most underrated, underrated way

788
00:42:47.519 --> 00:42:48.239
to get clients?

789
00:42:52.719 --> 00:42:55.920
I mean, I've actually gotten a few few enrollments lately

790
00:42:56.079 --> 00:43:02.920
from what's it called Medicare. You helped me pay for

791
00:43:03.039 --> 00:43:09.559
it hub? Yeah, yeah, yeah, Medicare Hub. So I've actually

792
00:43:09.599 --> 00:43:14.400
gotten probably four enrollments.

793
00:43:14.519 --> 00:43:15.880
Okay of it. That's awesome.

794
00:43:16.000 --> 00:43:18.159
So it's pay for itself, that's awesome.

795
00:43:18.280 --> 00:43:21.880
Yeah, all right, last question, if you had to restart

796
00:43:21.920 --> 00:43:24.760
your business tomorrow, what would be your first move.

797
00:43:29.920 --> 00:43:38.280
I would probably I mean I probably would have done

798
00:43:38.440 --> 00:43:43.039
more grassroots marketing right in the beginning, but I couldn't

799
00:43:43.079 --> 00:43:46.119
do it because I was moving. So I probably would

800
00:43:46.159 --> 00:43:49.880
have gotten started on that immediately, and I would have

801
00:43:49.920 --> 00:43:56.280
gotten like my systems in place, meaning like my phone system, CRM,

802
00:43:56.599 --> 00:43:59.000
I would have gotten that more dialed in. I probably

803
00:43:59.000 --> 00:44:03.480
would have, like instead of trying to do it on

804
00:44:03.519 --> 00:44:07.159
my own, I maybe would have like paid somebody to

805
00:44:07.239 --> 00:44:12.679
help me do it. That's probably the main thing is

806
00:44:12.719 --> 00:44:16.159
just the system that I have right now. I just

807
00:44:16.159 --> 00:44:19.719
don't think it's like as optimized as it should be. Okay,

808
00:44:20.760 --> 00:44:23.599
but probably just mostly just the grassroots marketing. I probably

809
00:44:23.599 --> 00:44:25.039
would have gotten started on that sooner.

810
00:44:27.239 --> 00:44:30.239
Awesome, Well, Ryan, thank you so much for again making

811
00:44:30.280 --> 00:44:33.159
the time to come on our show. Again. We appreciate

812
00:44:33.199 --> 00:44:36.079
you so much. And Ryan's a great agent. You could

813
00:44:36.119 --> 00:44:41.320
trust him inherently. He cares immensely about his own clients

814
00:44:41.360 --> 00:44:44.280
and wants to make sure that he does right by

815
00:44:44.320 --> 00:44:47.599
you guys, and so please seek him out in the

816
00:44:47.639 --> 00:44:50.280
state of Washington. He's also on that border of Idaho.

817
00:44:50.400 --> 00:44:53.559
So if you need a Medicare agent, or if you

818
00:44:53.559 --> 00:44:56.079
need health insurance for under sixty five, he's doing that

819
00:44:56.159 --> 00:45:00.159
as well, So please reach out to him. Thank you

820
00:45:00.239 --> 00:45:02.239
so much for your time. I appreciate you, brother. You

821
00:45:02.280 --> 00:45:03.039
have a great week.

822
00:45:03.400 --> 00:45:05.519
Thank you too, all right, take.

823
00:45:05.360 --> 00:45:12.000
Care all right, So I don't I don't think we

824
00:45:12.079 --> 00:45:15.679
have time to show this next commercial. Bet the thing

825
00:45:15.719 --> 00:45:18.519
we were talking about too, was you know, this is

826
00:45:18.559 --> 00:45:21.480
the time for vacations, right, So we're gonna show this

827
00:45:21.559 --> 00:45:26.400
clip next week. Travel insurance is so so important, you guys,

828
00:45:27.679 --> 00:45:30.400
because our health insurance doesn't cover us completely, and so

829
00:45:30.480 --> 00:45:34.840
it's important for us to be mindful. Okay, all right,

830
00:45:34.880 --> 00:45:36.559
we can do it. So let's uh, let's show this

831
00:45:36.559 --> 00:45:37.440
commercial real quick.

832
00:45:49.960 --> 00:45:52.440
There are many types of international health and travel insurance,

833
00:45:52.639 --> 00:45:55.440
but not all plans are created equal. Den'll makes sense

834
00:45:55.480 --> 00:45:57.440
of the clutter. Let's focus on the three main types

835
00:45:57.440 --> 00:46:02.079
of insurance that travelers might needvel insurance, travel medical insurance,

836
00:46:02.320 --> 00:46:05.679
or International health Insurance. IMG is one of the only

837
00:46:05.719 --> 00:46:08.199
companies out there that offers all three types of insurance

838
00:46:08.199 --> 00:46:10.840
for travelers, so we have a unique understanding of just

839
00:46:10.880 --> 00:46:14.000
how complicated it can seem. But fear not, weary travelers,

840
00:46:14.079 --> 00:46:16.920
We're here to help to understand which plan is right

841
00:46:16.960 --> 00:46:19.039
for you. Let's go through a few examples of why

842
00:46:19.079 --> 00:46:22.679
different travelers may need a specific type of insurance. Let's

843
00:46:22.679 --> 00:46:25.239
start with Pam. Pam has always dreamed of a trip

844
00:46:25.280 --> 00:46:28.360
to Hawaii. After years of saving, Pam finally books her

845
00:46:28.440 --> 00:46:31.800
dream Hawaiian vacation two weeks in the Aloha State, including

846
00:46:31.800 --> 00:46:34.639
a cruise around the island, snorkeling, hiking, and a stay

847
00:46:34.679 --> 00:46:37.239
at an all inclusive luxury resort right in the water.

848
00:46:37.519 --> 00:46:40.719
Great choice, Pam. Pam spared no expense with many hot

849
00:46:40.760 --> 00:46:44.079
ticket accommodations, booking many of them nearly a year in advance.

850
00:46:44.679 --> 00:46:46.320
A lot can happen in a year, And with so

851
00:46:46.400 --> 00:46:48.920
much money already invested in her trip, how would Pam

852
00:46:48.960 --> 00:46:51.280
recover her trip cost if she needed to cancel her trip?

853
00:46:52.159 --> 00:46:55.360
And I Travel Insured Travel Protection Plan from IMG offers

854
00:46:55.360 --> 00:46:59.079
trip cancelation, trip interruption, and many other travel benefits to

855
00:46:59.119 --> 00:47:02.920
protect her prepaid a non refundable trip cost from the unexpected.

856
00:47:04.800 --> 00:47:07.440
Trapesh here has different plans for the future. He's on

857
00:47:07.480 --> 00:47:09.320
his way to the US to visit for a few months,

858
00:47:09.440 --> 00:47:12.599
and he isn't exactly the planning type. While Trapesche doesn't

859
00:47:12.639 --> 00:47:15.639
have many prepaid trip costs, he understands that most domestic

860
00:47:15.679 --> 00:47:18.679
health insurance plans do not provide coverage in international countries.

861
00:47:19.320 --> 00:47:21.159
If he were to be injured on his trip, the

862
00:47:21.239 --> 00:47:24.800
medical bills could be overwhelming. A Patriot Travel Medical Insurance

863
00:47:24.800 --> 00:47:28.599
Plan from IMG offers Trapeche medical coverage for unexpected accidents

864
00:47:28.599 --> 00:47:32.280
and illnesses while abroad, so a broken bone won't break

865
00:47:32.280 --> 00:47:35.679
the bank, and in a life threatening situation, IMG could

866
00:47:35.719 --> 00:47:39.400
coordinate his medical evacuation to receive emergency care and eventually

867
00:47:39.400 --> 00:47:43.079
return him home. Vacations are great, but some people are

868
00:47:43.119 --> 00:47:46.440
looking for a lifestyle change. Take Way, for example. After

869
00:47:46.559 --> 00:47:49.199
years of traveling, Way falls in love with France and

870
00:47:49.199 --> 00:47:52.480
acquires a nursing position for the next five years. Way's

871
00:47:52.480 --> 00:47:54.920
domestic health insurance is no longer an option for her,

872
00:47:55.199 --> 00:47:57.760
so she finds a global medical insurance plan from IMG

873
00:47:58.119 --> 00:48:01.800
with the coverage levels she needs. This annually renewable international

874
00:48:01.880 --> 00:48:04.280
private medical insurance works in the same way as our

875
00:48:04.320 --> 00:48:07.840
previous domestic plan, including coverage for preventive care as well

876
00:48:07.880 --> 00:48:12.880
as illnesses or accidents. So whether you're a Pamela, a

877
00:48:12.960 --> 00:48:16.920
Trapesh or Away, make sure you're covered with the plan

878
00:48:17.119 --> 00:48:17.719
for IMG.

879
00:48:31.880 --> 00:48:33.800
So you guys, if you ever want to quote, just

880
00:48:33.800 --> 00:48:37.760
go to our website Joseph Insurance Broker dot com. Forward

881
00:48:37.800 --> 00:48:45.000
slash personal slash Insurance, forward slash travel slash Insurance, all right,

882
00:48:45.039 --> 00:48:47.119
and you just go there. You can get an instant

883
00:48:47.159 --> 00:48:50.320
quote for all those scenarios you know. Obviously, if you're

884
00:48:50.360 --> 00:48:54.400
traveling somewhere, or if you're traveling for work and you're

885
00:48:54.440 --> 00:48:57.440
somewhere for a few years and you need real insurance,

886
00:48:57.719 --> 00:49:01.440
you can get Global Medical Insurance. Again, these are very

887
00:49:01.440 --> 00:49:06.679
inexpensive plans. I highly recommend that you get covered. So

888
00:49:06.840 --> 00:49:09.239
I appreciate you guys making the time. I thank you

889
00:49:09.559 --> 00:49:13.000
Ryan for being on our show again. You saw our

890
00:49:13.039 --> 00:49:19.360
clip on with Christian Brindle of gaining clients and keeping them.

891
00:49:20.079 --> 00:49:22.320
We would love to have you as an agent, join

892
00:49:22.400 --> 00:49:27.320
our agency, so please reach out again. We do all things,

893
00:49:27.360 --> 00:49:31.679
not just medicare. We do travel insurance, earthquake insurance, auto

894
00:49:31.840 --> 00:49:34.559
home you name it, small business group benefits. We are

895
00:49:34.599 --> 00:49:37.400
your one stop shop and we thank you so much

896
00:49:37.400 --> 00:49:41.239
for trusting us with your business because we medicare.

897
00:49:42.840 --> 00:49:46.719
Thanks for listening. Tune into Medicare Hour and More with

898
00:49:46.840 --> 00:49:50.840
Peter every Tuesday at nine am Pacific time right here

899
00:49:50.880 --> 00:49:56.000
on KFOHD Radio at kfohd dot com for more real

900
00:49:56.079 --> 00:50:00.840
life stories from experts who medicare about you and protecting

901
00:50:00.920 --> 00:50:05.360
your health, your finances, and your future. See you next week.