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Aug. 18, 2026

Exceptional Service & Life Settlement Solutions with Glenn and Lisa

Exceptional Service & Life Settlement Solutions with Glenn and Lisa
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Season 2

Season 2, Episode 3 of MedicareHour & More with Peter features returning guests Glenn Jurado, Office Administrator at Joseph Insurance Broker LLC, and Laura Rehburg, Life Settlements Broker. Learn how exceptional client service makes a difference and why you should never let a life insurance policy lapse before exploring life settlement options. Packed with practical advice, financial planning tips, and trusted solutions—because it's more than Medicare. 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.

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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, legal, counseling,

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professional service, or any advice. You should seek the services

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of competent professionals before applying or trying any suggested ideas.

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

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with Peter right here on k for HD Radio. This

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is the podcast for all types of insurance solutions while

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specializing in Medicare because we Medicare. Here's your host, Peter R. Joseph.

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Good morning, good morning, good morning. Great to see you

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all this morning. I can't believe it's already middle of August.

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I mean, our year is flying by. I've got a

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great show for you guys this morning. I've got a

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couple of great guests. Glenn Gerardo who's our office admin.

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She's our virtual assistant as well part of our agency

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team and she helps with our customer service side of things.

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And then Lisa Reberg, who has been with us before.

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This will be her second guest appearance. She's gonna be

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talking to us a little bit about life insurance settlements

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and what to do with them, how not to let

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your life policy lapse, and why that's important. There's actually

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things you can do instead of just walking away and

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losing all that money. So some important concepts to learn

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this morning. Before we get into that, though, I do

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want to let you know that we are live in

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quite a few places K four HD Radio. You can

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go to KFOURHD dot com or download the app kfo HD.

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You can also see us on Facebook live on my

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business page Joseph Insurance Broker, LLC. And last but not least,

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you can also see us on our YouTube channel. It's

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at Medicare Minute with Peter, so a lot of different places.

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You can also text me at nine oh nine two

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one seven two six three zero. Any questions that come

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up during the show, we will respond right away in

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real time. We've had a few of you do that

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in the last few weeks, so I appreciate that if

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you listening in definitely ask away. There's no stupid questions

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on the show, so we are we want you guys

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to be engaged with us. Okay, all right, So first thing,

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we want to talk about is life insurance. We're going

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to show this commercial clip and then we'll come back

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to it. So let's watch this commercial real quick.

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Hi.

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I'm Byron you Dell, founder and CEO of ACU Quote.

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Since nineteen eighty six, we've helped millions of people save

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money on their life insurance. When you boil it down,

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there are really only two kinds of life insurance, temporary

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coverage which is called term insurance, and permanent insurance. Both

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term and permanent life insurance comes in various different shapes

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and flavors to satisfy different needs. Permanent life insurance is

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designed to provide coverage for as long as you live.

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If your needs are long term, like estate planning or

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final expenses, or if you just want to leave a

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bigger legacy no matter when you die, permanent insurance is

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probably the way to go. There are lots of different

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kinds of permanent insurance, but the two primary categories our

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whole life and universal life, and I'll come back to

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these in a minute. Term life insurance is by definition,

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temporary insurance. It's designed to provide coverage for a limited

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period of time, typically ten, twenty or thirty years. Term

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policies are simple and extremely inexpensive cases, your cost each

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year is guaranteed to remain level for whatever the term

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is again, typically ten, twenty, or thirty years after the

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term is over. Make sure you're sitting down when you

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receive your premium notice, because your rates are going to

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jump up dramatically, sometimes by a factor of as much

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as ten or more. But some of these policies have

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a built in conversion option that allows you to trade

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in your term coverage for a shiny new permanent policy.

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Term life makes sense if you know when you're going

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to be financially independent, or if you're sure there's some

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date down the road where no one will be depending

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on you anymore financially, like when your kids are all

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grown up and your mortgage is paid off. Term is

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also good when you're younger and your biggest concern is

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getting the protection in place and keeping your costs down.

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If you're a non smoker in your thirties and healthy,

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you can buy a twenty year, two hundred and fifty

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thousand dollars term policy for less than twenty dollars a month.

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Sound too good to be true, Well, it's a hundred

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percent true. Now back to permanent life insurance. Whole life

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and universal life insurance are more expensive than term, but

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let's take a look at what you're getting for the money.

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Unlike term insurance, permanent insurance is generally designed to last forever.

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You can't outlive a permanent life insurance policy. With most

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permanent policies, as long as you pay your premiums on time,

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your family is guaranteed to receive the death benefit no

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matter when you die, whether that's tomorrow or fifty years

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from now. Unlike term insurance, permanent insurance policies can also

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build cash surrender values, which can be accessed at any

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time for any reason. You can set up your premiums

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to remain level for life guaranteed. You won't have to

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worry about premiums going up when you get older and

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forcing you to drop the policy, nor will you have

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to worry about being healthy enough in the future to

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requalify or replace the coverage. If you like, you can

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also arrange to pay for the policy over a shorter

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period of time, say ten years, so that after that

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you own the coverage and no further premiums are due

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for the rest of your life. Universal life insurance. One

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kind of permanent life insurance offers a certain amount of

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built in flexibility. You have the ability to change your

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premiums and death benefits to keep pace with changes in

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your life. Whole life insurance is what I refer to

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as the Rolls Royce of life insurance. Whole life costs

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more than all the other types of life insurance we've discussed,

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but it does more. Over time, these policies develop significant

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cash values that are guaranteed and can be accessed at

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any time, regardless of what happens in the economy. Each year,

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the cash values grow guaranteed. What's the best kind of

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life insurance? That's actually a tough question and an easy question.

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Different people have different If there were really only one

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best kind, there would only be one kind. I actually

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own all three types of life insurance we discussed today.

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My whole life policy, for example, I bought twenty five

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years ago. I pay four six hundred and thirty five

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dollars each year right now, it has a cash surrender

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value of two hundred and seventeen thousand dollars, better than

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a lot of my other investments.

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For sure.

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In the end, the best kind of life insurance to

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own is the kind that's in force on the day

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you die. If your policy is not enforce on the

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day you die, you bought the wrong kind. For most people,

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the best way to make sure that happens is to

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own a policy with an affordable level premium for life.

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I hope this quick overview was helpful. If you have

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any questions, please dial the number on your screen. You'll

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speak with a real, live person with experience with answers

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and that cares.

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Thanks for.

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All right, So I wanted to give you guys a

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little bit of a snippet of the different types of

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insurance out there for life.

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Obviously it's not as.

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Complicated as medicare, thankfully, but there is what's called term insurance.

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And then there's permanent insurance.

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Like the person had shared, we do offer both, so

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call me, don't call that number. I just wanted to

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show you a video to kind of lay out the differences.

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So term insurance it's almost like you're renting a house

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versus permanent insurance.

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It's like you own the house. So that's the big difference.

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Terms it's temporary usually last ten twenty thirty years, but

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once that policy lapses after thirty years it's done. You

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paid all this money into it, and if you're still

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alive after those thirty years, no one's going to get

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any death benefit.

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So that's why a lot of people layer policies.

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Like myself, our family has both term and index universal

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life insurance. So the term insurance is for thirty years.

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It covers our mortgage in case I pass away and

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my wife would be able to handle those payments, and

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then we do have an index universal life. Now what's

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different between an index universal and a permanent While Index

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Universal is tied to the market, and so what happens

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is you're never going to lose money on that policy,

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but anytime the market goes up, you gain. So this

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is a win win situation for you. Your investment will

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increase substantially when the market goes up and you get

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cash value. And you can actually take a loan against

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the life insurance policy for any needs that come up.

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If you don't pay back that loan, well then it

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gets taken out of your death benefit. But the loans

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at a low percentage, it's usually about four to six

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percent that you'd have to pay back again. If you

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don't pay it back, no harm, no foul. It basically

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gets taken out of your death penalty. So you know,

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I recommend talking to an expert like myself about what

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is best for you. And we're going to talk about

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too later on with our second guest, Lisa, about what

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happens if we can't afford our life policy anymore and

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we have to walk away. So there are some solutions

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to that as well. Let us see if our first.

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Guest is on. Is Glenn on by chance? Not yet?

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All right, So I'm going to talk a little bit

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about Glenn and her background. Glenn has been with us

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almost a year now. She is our virtual assistant. Her

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English is very good. She helps us with all our

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customer service. She helps us basically get new insurance cards

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for our clients, any questions on clients policy. She helps

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navigate all that for us, so that you know, when

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you call, you at least get someone on the phone.

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If I'm not on the phone, then she'll be on

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the phone. She is very warm, comforting, does a great

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job for us. I'm so blessed to have her as

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part of our team. She also helps our agents navigate

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the contracting world as well, so we do have agents

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all over the United States as part of Joseph Insurance Broker,

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and she helps get them situated and get the contracting links,

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get the curriculum that they need to continue to be

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able to sell you policies and help you out as well.

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So I appreciate everything she does for us. And her

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number is going to be scrolling on the screen when

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she comes on, so let me just check in with

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her and see what's going on.

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Oh there she is. Hi Glenn, Hi Peter, how are you.

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I'm good, Thank you for asking. How about you?

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I'm doing well. I'm doing well. Glad to see you

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on our throw. I know it's pointy to get Glenn

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the show up on our show. She's not a very

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like She loves being on the phone with you guys,

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but when it's in person, live a little bit shy.

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That's okay, that's okay. You're doing great, all right, So

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I'm going to ask you a few questions. Our audience

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gets to know you a little bit better.

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Sure, sure, sure, So tell us.

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Speak a little bit about yourself and how you became

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a part of our agency.

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Well.

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By the way, hello everyone, good morning. My name is Glenn,

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and I actually work behind the scenes at Joseph Insurance Broker.

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So I do manage administrative operations, client care and calendar

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scheduling to keep everything running smoothly for our broker, Peter.

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And actually, before stepping into the virtual assistant world, I

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actually spent twelve years in the teaching field, with the

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last three of those years serving as a schoolhead. And

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on top of that, I'm a proud mom of three

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beautiful kids. So joining Joseph Enturance Broker LLC actually gave

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me the perfect opportunity to bring over a decade of

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leadership and communication experience directly to our clients. So working

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alongside Peter to help people navigate their insurance needs has

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been such a rewarding journey and I'm so glad to

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be part of an agency that really cares about serving

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our community.

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Awesome, Glenn, I appreciate you so much.

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All right, So what attracted you to working with our

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agency particular?

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What really drew me to working with Joseph Insurance Broker

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is that especially team. It was actually our shared commitment,

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I may say, like to helping people and educating people.

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Coming from a twelve year background in education, my focus

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has always been on breaking down complex topics people feel

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supported and confident, and insurance can feel overwhelming for a

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lot of clients. But Peter actually leads with genuine integrity,

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clear communication, and a heart for service. So seeing how

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dedicated he is to putting clients first made me realize

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right away that this was actually a team I wanted

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to be part of.

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That's awesome. That's awesome to hear, Glenn. All right, so

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you know you probably have a lot of experience.

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So what do you think makes us.

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Different or sets us apart from other large call centers.

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I think the biggest difference comes down to relationships versus transactions.

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So let's say big call centers are focused. They are

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more focused on getting through as many calls as possible

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and as quickly as possible. Here at Joseph Insurance, you're

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actually dealing with real people who know your name and

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care about our local community. So you well, we actually

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get dedicated personal You actually get dedicated personal attention from

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the same team every time, so we actually take the

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time to truly listen, explain options clearly without the confusing jargon,

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and follow through on every single detail. And it's actually

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the difference between being a ticket in a queue and

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having a trusted advocate right in your corner.

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Yeah, for sure. And just to let the audience know,

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Glenn keeps me on my toes. Obviously I'm not perfect

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and I make mistakes and she catches those. So she's

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been amazing at just making sure that you know the

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communication is clear to our clients and that you guys

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understand everything that we're doing for you.

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So thank you Glenn for doing that.

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So's, what's one thing that I helped to make your

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job easier?

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Well, the biggest thing that you actually does that makes

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my job easier is that you communicate exceptionally well. You

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keep our priorities super clear. You actually keep me in

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the loop on client needs and trust me to manage

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the detail. So when you when you have a broker

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who values organization and gives clear direction, it lets me

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stay three steps ahead and make sure everything usually runs

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smoothly for both you and our clients.

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Awesome.

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Well, I'm going to put you on the spot and

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say what what kind of things do idea to make

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make your job harder? And honestly, you can as honest

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as possible.

279
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Okay, honestly, Uh, what I noticed that you'll actually drop

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everything on a client has a sudden urgent needs. So

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if a client calls with an unexpected question or emergency,

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like those clients who actually call you directly, you will

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actually throw out the schedule to help them right then

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and there. So it means I constantly have to scrambled

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and it's just our calendar on the fly. And but

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at the end of the day, that level of dedication

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is exactly why our clients love working with us.

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So I'm good, awesome, No, I love that.

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So yeah, if you guys notice, sometimes I don't, you know,

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make the exact time appointment with you guys. Yeah, And

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the reason is, like she just mentioned, sometimes there's emergencies

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that happen, and so she's on the phone and she's

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making sure that you guys are rescheduled.

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So we want to make sure that you're all taken

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care of, right.

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Yes, all right, So if you could give every new

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insurance client one piece of advice before they call an agent,

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So like, if they call me or they call one

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of my team members, what advice would you give them.

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For those For those new insurance clients, I would tell

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them to write down your top questions and priorities before

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you ever pick up the phone. So a lot of

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will astually feel nervous or overwhelmed when reaching out to

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an insurance agent because they think they need to know

305
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all the terminologists, like the industry terminology. So they actually

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don't need to do that. So our job us is

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to know the insurance details, while our client's job is

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actually to know what's important to you and your family.

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So if you know what's your if you know what

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you're trying to protect and what's going on, what's keeping

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you up at night, we can take it from there

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and we can guide you through the rest. So just

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be ready with your top questions and your priority.

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So that's just it, and just so people know out there.

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And I've heard great things about you, Glenn from my

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own clients, so you're doing a great job. But Glenn's

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kind of a listening ear as well. I mean, if

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you guys are frustrated with something or just want to vent,

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she's there for you.

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I mean, she'll listen and help you navigate all that.

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So I appreciate you being so patient and loving to

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our clients.

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Glean.

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All right, so here's the last question and then we'll

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let you go. If someone listening right now needs help

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with medicure. Yeah, what should they expect when they reach

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out to us?

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Of course, when you reach out to us, you can

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expect a real human being on the other end of

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the line who actually listens. So you can expect zero pressure,

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education first experience, and actually we will take the time

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to listen to where you are, what questions you have,

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and what you're trying to figure out. Then after that

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one we set up a completely free one on one

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consultation with Peter. Because of course we're an independent brokerage.

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We don't work for one single insurance company. We shop

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across top careers to find coverage that actually fits your

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health needs, doctors, and budget, so you walk away with

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clear options, no confusing jar again and zero obligation. So again,

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consultations are completely free and zero pressure. You can reach

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out to us directly anytime, or even visit our website

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to get started.

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Awesome, Glenn, Well, thank you so much for taking a time.

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I know what time is it in your area right now?

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It's twelve midnight.

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Oh my goodness.

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So this is this is dedication, folks, This is dedication.

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I appreciate you making the time for us, but if

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you need to get a hold of Glenn. She's she's

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my second hand. So obviously, if you have any questions,

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she can answer them just as well as I can.

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If she can't, then she'll she'll ping me and let

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me know then her information. You could email her at

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Glenn dot administrator at Josephinsurancebroker dot com. You can also

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call her at nine to nine three two five three

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eight four zero.

357
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Thank you so much, Glenn. I appreciate you so m thank.

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You so much, thank you, thank you for and I

359
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appreciate you.

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Thank you, good night, thank you.

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You too, love bye bye bye.

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All right.

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So that is our wonderful administrator, Glenn. She keeps us

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on our toes. She is extraordinary. I mean, she does

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so much for us. She creates spreadsheets, She helps with

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our CRM system so that we know what policies are

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are canceling out for you guys, and we can keep

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on top of that and be in check with you

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and help you basically get on the right plan if

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that happens. She's very warm hearted, as you can tell,

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and she loves helping our clients as much as I do.

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So it's great to have that kind of person on

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our team. Greatly appreciate her very much.

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She's done wonders for our agency.

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So again, if you can't get a hold of me directly,

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Glenn is the person to get a hold of. And again,

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we do have agents all over the United States. So yes,

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I'm here in southern California. We are licensed in thirty

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two states, but we do have agents that can help

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you out in different states, so that's never going to

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be an issue. So definitely reach out if you need help.

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Whether you're in Georgia, Alabama, Florida, New Mexico, we are

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there and we care about you, all right. So on

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that note, we are going to basically transition into our

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second guest. Her name is Lisa Reberg. Don't mind our

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title this morning it says Laura. It's not Laura, it's Lisa.

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That's my bad. So Lisa has been a guest on

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our show before. This is going to be her second

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guest appearance, and she's a life insurance settlement broker. So

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I'm gonna have her come on and share a little

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bit about herself.

392
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Good morning, Hello, hy Lisa.

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How are you.

394
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I'm doing good?

395
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How are you?

396
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I'm doing good?

397
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Hanging in there, trying to stay cool. It's definitely hot

398
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out here, I know.

399
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Right.

400
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All right, Lisa, for those of you who haven't heard

401
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Lisa before, do you want to give us just a

402
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little bit of background of who you are and where

403
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you're situated.

404
00:23:11.960 --> 00:23:12.200
Yeah.

405
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Absolutely, I'm in southern California, is the Palm Desert area.

406
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But we do, like you, We serve clients nationwide and

407
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it's a privilege to be here to talk about something

408
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that many people have no idea exists.

409
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Definitely.

410
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We just showed a short video before you came on

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about the difference between term and whole life and index

412
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Universal Life. So obviously people have these policies in place,

413
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especially our clientele.

414
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Why would anyone sell a policy? Let's start there. Yeah,

415
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that's exactly right.

416
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So two and a half million seniors a year will

417
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lapse or surrender their life insurance policy. And that's fancy

418
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language for they get rid of them. They either stop

419
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making the pre impayment secure rid of them, or they

420
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surrender that policy back to the insurance company and get

421
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rid of them. And so the short answer is it's

422
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because people don't want them anymore, they don't need them anymore,

423
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the needs no longer there or they've just become too

424
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expensive to maintain and they don't fit in the budget anymore,

425
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and they're just more of a drain, right than a

426
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help sometimes, Peter, And this is a small segment, but

427
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sometimes people are trying to find ways to pay for

428
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assistant living or memory care or other long term care needs,

429
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and selling a life insurance policy can be a solution

430
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for sure.

431
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For sure. And then how much can policies be worth? Yeah,

432
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they can.

433
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It depends upon each client right area. Situation is very

434
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very unique. But the short answer again is tens of

435
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thousands or hundreds of thousands of dollars. I mean, we're

436
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selling one right now for a couple of million dollars.

437
00:24:42.640 --> 00:24:45.400
So it just depends upon the client situation. But there

438
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can be some serious money here, and many people have

439
00:24:48.920 --> 00:24:52.039
no idea this is even an option. And truly this

440
00:24:52.119 --> 00:24:55.000
has found money for a lot of clients because they

441
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didn't know their life insurance policy was an asset that

442
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could be sold.

443
00:24:59.240 --> 00:25:02.759
That's great information, Lisa. So you know, I had a

444
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situation with a client and you kind of helped me

445
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through it that I'm going to bring it up here

446
00:25:07.680 --> 00:25:10.920
in the audience. So I had a client who had

447
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a basically a whole life policy with an insurance carrier

448
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and they had I think the face value was two

449
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hundred and fifty thousand dollars and they took a loan

450
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out against it about one hundred and twenty thousand dollars.

451
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And so they approached me and asked me, you know

452
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what can I do about this? And so what are

453
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different situations where a person can sell it and where

454
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a person cannot sell it.

455
00:25:35.000 --> 00:25:38.160
Yeah, that's a really good question. So two things the

456
00:25:38.200 --> 00:25:41.119
buyers are looking at when we're brokers, right, so we're

457
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on team client. Our jobs to market a policy with

458
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many different buyers and get the highest offer for a client.

459
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That's who we are.

460
00:25:48.279 --> 00:25:50.519
But the answer to your questions, the buyers are looking

461
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at what is the premium to continue the policy? And two,

462
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what is a client's life expectancy? And we're opposite the

463
00:25:59.039 --> 00:26:02.359
regular insurance. The more health impairments, the shorter that life

464
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expectancy is, the more money buyers are willing to pay

465
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for policies. So in our world, the less cash, the

466
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better term policies can be sold. But in that particular

467
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client's case that you raised, the challenge there was that

468
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loan was so high relative to the death benefit of

469
00:26:20.839 --> 00:26:23.480
the policy that it was just going to be very

470
00:26:23.519 --> 00:26:27.000
difficult for a buyer to beat that level, if you will.

471
00:26:27.359 --> 00:26:29.680
So we sell universal life policies all the time, term

472
00:26:29.680 --> 00:26:33.160
policies all the time, but policies with very large loans

473
00:26:33.279 --> 00:26:35.880
or a lot of cash in them are much more

474
00:26:35.960 --> 00:26:37.160
challenging for us.

475
00:26:37.519 --> 00:26:39.960
Okay, And then is this all legal?

476
00:26:41.799 --> 00:26:45.480
Yes, it's been legal since nineteen eleven, and that just

477
00:26:45.559 --> 00:26:48.880
kind of really surprises people. There was a Supreme Court

478
00:26:48.920 --> 00:26:53.119
decision called Grigsy versus Russell. And in that Supreme Court decision,

479
00:26:53.759 --> 00:26:58.119
just as Oliver Wendel Holmes deemed a life insurance policies

480
00:26:58.160 --> 00:27:00.960
and asset that you own. If I own mind, you

481
00:27:01.039 --> 00:27:03.799
own yours. People own their life insurance policies, any life

482
00:27:03.799 --> 00:27:07.039
insurance policy, and it's an asset right, So as an

483
00:27:07.160 --> 00:27:10.440
asset it can be it can be transferred to anyone

484
00:27:10.519 --> 00:27:14.440
you want, anytime you want. That makes our market go.

485
00:27:14.880 --> 00:27:17.640
But the market really didn't develop until the mid eighties,

486
00:27:17.880 --> 00:27:21.960
so it's a fairly recent market. And more importantly than

487
00:27:22.000 --> 00:27:26.200
it being legal, it is regulated. It meaning our market,

488
00:27:26.240 --> 00:27:30.079
our life setlement market, is regulated by the Departments of Insurance,

489
00:27:30.160 --> 00:27:33.680
in every state in this country. So good news, we

490
00:27:33.839 --> 00:27:38.279
as brokers are regulated, and as good news, the buyers

491
00:27:38.279 --> 00:27:41.640
are regulated as well. And that's a very very big deal.

492
00:27:42.720 --> 00:27:45.640
So if someone sells a policy, what what are the

493
00:27:45.720 --> 00:27:48.640
irs implications? I mean, do they get like something in

494
00:27:48.680 --> 00:27:50.920
the mail, like a ten ninety nine form, like how

495
00:27:50.920 --> 00:27:51.880
does it all work?

496
00:27:52.880 --> 00:27:53.160
Yeah?

497
00:27:53.240 --> 00:27:57.200
So the proceeds may or may not be taxable. And

498
00:27:57.359 --> 00:27:59.920
I need to caveat this by saying I am not

499
00:28:00.079 --> 00:28:02.279
a tax professional or a CPA, and I can't give

500
00:28:02.319 --> 00:28:02.839
tax advice.

501
00:28:02.920 --> 00:28:06.200
Right, people need professionals. But here's the answer to your question.

502
00:28:07.039 --> 00:28:10.519
The premiums that have been put into the policy since

503
00:28:10.559 --> 00:28:14.720
the very beginning of the policy are a basis. So

504
00:28:14.839 --> 00:28:18.119
if the settlement money is underneath that basis, it should

505
00:28:18.160 --> 00:28:23.759
not be taxed over that basis is typically typically long

506
00:28:23.839 --> 00:28:27.880
term capital gains not to be wonky, but unless by

507
00:28:27.960 --> 00:28:30.400
the policy, but typically long term capital gains.

508
00:28:30.839 --> 00:28:31.799
Okay, okay?

509
00:28:32.480 --> 00:28:35.480
And then who buys these policies and why do they

510
00:28:35.480 --> 00:28:35.920
buy them?

511
00:28:36.599 --> 00:28:36.799
Yeah?

512
00:28:36.839 --> 00:28:38.880
Absolutely, and I need to call I'm sorry, let me

513
00:28:38.880 --> 00:28:41.680
go back to last question. There can be by the way,

514
00:28:42.160 --> 00:28:46.400
certain circumstances of clients have very very very significant health issues.

515
00:28:46.640 --> 00:28:50.039
Where even the entire settlement amount may be tax free.

516
00:28:50.119 --> 00:28:53.880
So that's okay, okay, So back to who buys them.

517
00:28:54.519 --> 00:28:57.279
As I mentioned the we only work with what we

518
00:28:57.319 --> 00:29:01.839
call providers. These are an hour market buyers. They have

519
00:29:01.960 --> 00:29:04.400
multiple funds behind them. We only work with providers that

520
00:29:04.480 --> 00:29:07.200
have been approved by a client's department of insurance. So

521
00:29:07.240 --> 00:29:11.079
that's first and foremost tends to be institutional money. So

522
00:29:11.200 --> 00:29:15.079
this is hedge funds, mutual funds, college endowment funds, pension funds.

523
00:29:15.920 --> 00:29:18.519
The state of Michigan is five hundred million dollars invested

524
00:29:18.519 --> 00:29:22.440
in these things. And sometimes it's insurance companies, sometimes it's banks,

525
00:29:23.039 --> 00:29:27.279
those are the funds behind these providers. Sometimes it's European funds.

526
00:29:27.640 --> 00:29:31.319
So you know, because United States life insurance companies are

527
00:29:31.519 --> 00:29:35.480
very very strong financially, so that means life insurance policies

528
00:29:35.519 --> 00:29:39.440
based in the US are a very stable and strong

529
00:29:39.559 --> 00:29:42.279
investment for these buyers and for them it's just an investment.

530
00:29:43.000 --> 00:29:43.359
Okay.

531
00:29:43.960 --> 00:29:47.519
So if people are listening in, how would they get started?

532
00:29:47.599 --> 00:29:49.599
What's the first step that they need to take?

533
00:29:50.359 --> 00:29:53.039
Yeah, I think the first step is just call me, right,

534
00:29:53.119 --> 00:29:54.960
Let's have a conversation like you and I did. Let's

535
00:29:55.000 --> 00:29:57.680
have a conversation about the policy. Let's see how we

536
00:29:57.759 --> 00:30:00.240
can best be of service to you. And then the

537
00:30:00.319 --> 00:30:03.319
answer from there is it starts with an application. There's

538
00:30:03.400 --> 00:30:06.799
no application fee. It doesn't cost a client anything to

539
00:30:06.880 --> 00:30:11.279
find out how much a policy can bring full disclosure.

540
00:30:11.359 --> 00:30:12.119
We are brokers.

541
00:30:12.160 --> 00:30:13.039
We are paid.

542
00:30:12.799 --> 00:30:15.880
Commissions for our work, but we're not paid until a

543
00:30:15.960 --> 00:30:18.799
client has sold their policy. They have money in their

544
00:30:18.799 --> 00:30:22.519
hands and commissions are disclosed and fully must be signed

545
00:30:22.559 --> 00:30:26.119
off by clients. So there's we are a very transparent

546
00:30:26.200 --> 00:30:27.359
market in all senses.

547
00:30:28.000 --> 00:30:31.240
Awesome, awesome. And then where can we contact you? I

548
00:30:31.279 --> 00:30:34.359
know we've got your website scrolling on the bottom. There

549
00:30:35.400 --> 00:30:38.000
is there any other options for people to reach out

550
00:30:38.000 --> 00:30:38.200
to you?

551
00:30:38.599 --> 00:30:41.519
Absolutely so. Phone number is seven to one four area

552
00:30:41.559 --> 00:30:46.880
code three four nine seven nine eight one you'll find

553
00:30:46.920 --> 00:30:50.039
on the website, or you can do lrabrig at aol

554
00:30:50.039 --> 00:30:52.440
dot com or Lisa at rabergwife Settlements dot com.

555
00:30:52.920 --> 00:30:53.440
Perfect.

556
00:30:53.920 --> 00:30:56.400
Well, Lisa, thank you so much for your time this morning.

557
00:30:56.480 --> 00:30:57.799
We appreciate you so much.

558
00:30:57.960 --> 00:31:00.640
And again, if you guys have questions about out a

559
00:31:00.680 --> 00:31:03.720
policy you have in hand, don't let it lapse, reach

560
00:31:03.759 --> 00:31:05.759
out to one of us and we'll talk it through

561
00:31:05.839 --> 00:31:07.519
with you and see if there's options for you.

562
00:31:08.559 --> 00:31:11.200
I am so grateful for the opportunity Peter to be

563
00:31:11.319 --> 00:31:14.160
here and help raise a visibility for life settlements because,

564
00:31:14.200 --> 00:31:16.599
like I said, most people have no idea this.

565
00:31:16.599 --> 00:31:19.640
Is either right, I know, I know that's great. Well,

566
00:31:19.680 --> 00:31:21.160
thank you so much, Lisa. I hope you have a

567
00:31:21.200 --> 00:31:22.839
wonderful week, and thanks for your.

568
00:31:22.680 --> 00:31:26.799
Time, my pleasure. Thank you, take care bye.

569
00:31:28.559 --> 00:31:31.599
All right, so you know, we want to make sure

570
00:31:31.599 --> 00:31:37.359
that there's great resources for all our audience listening in. Obviously,

571
00:31:37.440 --> 00:31:40.680
if you've got a term or indexed or a whole

572
00:31:40.720 --> 00:31:44.000
life policy in place, you can't afford it anymore, or

573
00:31:44.119 --> 00:31:47.000
let's say, you know you need the extra money for

574
00:31:47.200 --> 00:31:51.039
like she said, assistant living, nursing facilities. This is an

575
00:31:51.039 --> 00:31:54.559
opportunity for you to sell your policy and try to

576
00:31:54.559 --> 00:31:56.400
make some money off of it and use that money

577
00:31:56.440 --> 00:32:00.559
for important things that you need presently. So you know,

578
00:32:00.599 --> 00:32:06.039
every situation is different, and every life policy is different

579
00:32:06.079 --> 00:32:08.720
as well. You know, as we explained, I've had a

580
00:32:08.759 --> 00:32:12.720
client who was thinking about selling, but we found out

581
00:32:13.319 --> 00:32:16.240
the load against that policy was just too high. And

582
00:32:16.279 --> 00:32:19.319
so there's certain situations where you're just not gonna be

583
00:32:19.319 --> 00:32:22.279
able to sell a policy unfortunately, but it's important to

584
00:32:22.400 --> 00:32:24.960
just bring it up and see if that's a situation

585
00:32:25.039 --> 00:32:28.359
where we can help you or not. So again, you

586
00:32:28.440 --> 00:32:32.880
can get her information just go to Redborglife Settlements dot

587
00:32:32.920 --> 00:32:36.279
com and then her phone number is going to be

588
00:32:36.319 --> 00:32:38.440
on that site. You can also make an appointment through

589
00:32:38.480 --> 00:32:39.759
that website with her.

590
00:32:40.039 --> 00:32:41.920
You can also reach out to me and I'll be

591
00:32:42.000 --> 00:32:45.440
sure to put you in touch with her as well.

592
00:32:46.000 --> 00:32:48.880
All right, So, last, but not least, I am going

593
00:32:48.960 --> 00:32:51.160
to share some things on our website.

594
00:32:51.240 --> 00:32:55.200
So one second here, all right.

595
00:32:55.599 --> 00:33:00.400
So we've shown this website before and obviously for listening

596
00:33:00.400 --> 00:33:02.240
on a podcast, you're not gonna be able to see

597
00:33:02.279 --> 00:33:06.519
the actual website. It is Josephinsurancebroker dot com. But kind

598
00:33:06.519 --> 00:33:08.960
of kind of wanted to navigate a little bit for

599
00:33:09.039 --> 00:33:12.000
you guys who are reaching out for any insurance products

600
00:33:12.000 --> 00:33:12.759
that we offer.

601
00:33:13.640 --> 00:33:17.319
Again, Glenn is on here.

602
00:33:17.359 --> 00:33:20.119
As you could see, she's already here to help answer

603
00:33:20.200 --> 00:33:23.279
any questions. We do have a AI virtual assistant, but

604
00:33:23.279 --> 00:33:25.839
we also have a real person online as well, So

605
00:33:25.880 --> 00:33:29.519
if you ever have a specific question that right hand corner,

606
00:33:29.559 --> 00:33:32.680
you would just click that and then write down your

607
00:33:32.799 --> 00:33:35.079
question or type it in and then she'll get back

608
00:33:35.119 --> 00:33:36.599
to you right then and there. So that's kind of

609
00:33:36.599 --> 00:33:39.880
a nice thing about our website is that you have

610
00:33:39.960 --> 00:33:42.440
access right then and there to customer service.

611
00:33:44.480 --> 00:33:46.720
You can see all the states that were licensed in.

612
00:33:47.359 --> 00:33:50.920
And I'm going to actually read this article because we're

613
00:33:50.920 --> 00:33:55.039
pretty proud of this article we just got publicized here

614
00:33:55.039 --> 00:33:58.640
on Voyage LA. They've actually interviewed us a few times

615
00:33:58.680 --> 00:34:02.720
on their magazine, and we've been on probably the last

616
00:34:02.799 --> 00:34:06.119
few months. So let me bring this up real quick.

617
00:34:09.639 --> 00:34:11.639
So I'm going to read this for our podcast readers

618
00:34:11.679 --> 00:34:15.159
because obviously they can't see our screen. Says Peter, Joseph

619
00:34:15.239 --> 00:34:18.440
is proving that trust, not pressure builds a lasting business,

620
00:34:18.960 --> 00:34:22.440
and Glenn alluded to what we're about and how we operate.

621
00:34:23.000 --> 00:34:26.480
This article actually gives a lot of precedent to how

622
00:34:26.480 --> 00:34:28.760
we're set up. So I'm just going to read a

623
00:34:28.800 --> 00:34:31.400
couple of snippets here. Peter Joseph has spent his career

624
00:34:31.440 --> 00:34:35.079
helping people navigate life's important decisions, first through more than

625
00:34:35.079 --> 00:34:37.760
two decades in nonprofit leadership, and now is the founder

626
00:34:37.760 --> 00:34:41.239
of Joseph Insurance Broker As he expands his educational mission

627
00:34:41.280 --> 00:34:44.480
through free medicare workshops, a new website, and a weekly

628
00:34:44.559 --> 00:34:48.000
radio show. His focus remains the same, helping people understand

629
00:34:48.000 --> 00:34:51.679
their options before making any decisions. We spoke with Peter

630
00:34:51.760 --> 00:34:54.880
about why education is the foundation of trust, how service

631
00:34:54.920 --> 00:34:57.079
has shaped his business, and the legacy he helps to

632
00:34:57.159 --> 00:35:01.519
leave for both clients and future insurance professional. So here's

633
00:35:01.519 --> 00:35:03.679
the question they asked me, Peter. After nine years of

634
00:35:03.760 --> 00:35:07.199
leading Joseph Insurance Broker, you're entering an exciting new chapter

635
00:35:07.280 --> 00:35:10.920
with free community medicare workshops, a new educational website, and

636
00:35:10.960 --> 00:35:13.440
the launch of your weekly radio show, Benekaar.

637
00:35:13.119 --> 00:35:13.800
Hour and more.

638
00:35:14.239 --> 00:35:17.480
What inspired you to make education, not sales the foundation

639
00:35:17.559 --> 00:35:20.199
of your approach and why is that mission so important

640
00:35:20.239 --> 00:35:23.880
to you? So this was my response. Before I ever

641
00:35:23.920 --> 00:35:26.199
sold a single policy, I spent twenty two years in

642
00:35:26.280 --> 00:35:29.880
nonprofit leadership. In that world, you don't succeed by closing deals,

643
00:35:29.880 --> 00:35:33.159
to succeed by serving people well enough that did trust

644
00:35:33.159 --> 00:35:35.760
you with what matters most of them. When I founded

645
00:35:35.800 --> 00:35:38.360
this agency nine years ago, I brought that mindset with

646
00:35:38.400 --> 00:35:40.840
me and honestly, I never saw reason to change it.

647
00:35:41.440 --> 00:35:43.360
What I saw in the industry early on was a

648
00:35:43.360 --> 00:35:46.320
lot of pressure and not a lot of understanding seniors

649
00:35:46.320 --> 00:35:48.960
were being sold plans they couldn't explain to their own children.

650
00:35:49.079 --> 00:35:50.239
That never sat right with me.

651
00:35:50.760 --> 00:35:53.719
When someone truly understands their options, when they can walk

652
00:35:53.760 --> 00:35:57.159
out of a conversation and explain their coverage to their spouse,

653
00:35:57.559 --> 00:36:00.199
they make better decisions and they stay with you for life. Life.

654
00:36:01.199 --> 00:36:03.880
The workshops and your website and now Medicare Hour and

655
00:36:03.920 --> 00:36:06.280
more with Peter are all extensions of the same belief.

656
00:36:07.639 --> 00:36:10.519
An educated client is a protected client. Sales take care

657
00:36:10.559 --> 00:36:16.159
of themselves when education comes first. And just to interject here,

658
00:36:16.199 --> 00:36:20.719
we do have a Medicare seminar coming up Medicare one

659
00:36:20.760 --> 00:36:23.159
oh one in Chino Hills. It's going to be at

660
00:36:23.159 --> 00:36:27.760
the Holiday Inn Lobby. We're going to have food come

661
00:36:27.760 --> 00:36:30.840
in and catered in for our guests. And this is

662
00:36:30.960 --> 00:36:36.159
purely an educational seminar to give you the a'sb's and

663
00:36:36.199 --> 00:36:38.760
c's of what Medicare is all about. And for those

664
00:36:38.760 --> 00:36:41.679
that are turning sixty five, it's a free seminar and

665
00:36:41.719 --> 00:36:44.920
we do offer these seminars locally in our community every

666
00:36:45.239 --> 00:36:48.119
month or every other month, so we're excited. We already

667
00:36:48.159 --> 00:36:51.679
have thirty RSVPs set to show up at our meeting,

668
00:36:52.079 --> 00:36:54.760
So we're excited about that. But again, these are free

669
00:36:55.199 --> 00:36:58.599
educational seminars that we offer to our local community because

670
00:36:58.599 --> 00:37:01.039
that's what we're about. We're about giving back to our community.

671
00:37:02.880 --> 00:37:06.199
The next question they ask is many people find Medicare

672
00:37:06.280 --> 00:37:11.159
overwhelming when they turn sixty five. What the biggest misconceptions

673
00:37:11.199 --> 00:37:13.119
you see and what do you hope attendees walk away

674
00:37:13.159 --> 00:37:16.920
with after attending one of your free community workshops. Well, obviously,

675
00:37:16.920 --> 00:37:20.400
the biggest misconception is that Medicare is one decision. It's

676
00:37:20.400 --> 00:37:23.960
not one decision. It's actually a series of decisions. You

677
00:37:24.000 --> 00:37:27.360
have original medicare or Medicare advantage, whether they need a supplement,

678
00:37:27.719 --> 00:37:30.920
how prescription coverage fits in, what happens if you're still

679
00:37:30.920 --> 00:37:34.800
working at sixty five. All these options are at your

680
00:37:34.920 --> 00:37:37.360
fingertips and you have to figure out and navigate which

681
00:37:37.400 --> 00:37:40.760
option is best for you. So people also do assume

682
00:37:40.800 --> 00:37:43.599
Medicare is free, and it's not. We've talked about this

683
00:37:43.679 --> 00:37:47.039
on the show. You pay into the system so that

684
00:37:47.079 --> 00:37:51.000
the costs are mitigated and brought down, but Medicare is

685
00:37:51.039 --> 00:37:54.079
not free. We do pay a base fee of right

686
00:37:54.079 --> 00:37:56.239
now two hundred and two dollars a month for Part B,

687
00:37:58.440 --> 00:38:00.719
so Medicare also doesn't cover everything.

688
00:38:00.840 --> 00:38:01.039
You know.

689
00:38:01.079 --> 00:38:03.679
We say time and time again, it's important to have

690
00:38:03.719 --> 00:38:06.199
a life insurance policy in place, and they have a

691
00:38:06.280 --> 00:38:09.320
long term care policy in place, because those things can

692
00:38:09.360 --> 00:38:13.840
get expensive, and then they're often surprised to learn things

693
00:38:13.880 --> 00:38:16.679
like late enrollment penalties that can follow them for life.

694
00:38:17.480 --> 00:38:20.000
But the misconception that bothers me most is that seniors

695
00:38:20.039 --> 00:38:22.840
think they have to settle for feeling confused. I think

696
00:38:22.880 --> 00:38:24.880
one of our clients, Rick, who left us a Google

697
00:38:24.920 --> 00:38:27.119
review that I still go back and read, Like so

698
00:38:27.199 --> 00:38:29.760
many people, he'd been through, the run around, the one

699
00:38:29.800 --> 00:38:33.519
hundred numbers, the mailers stuck stacked taller than the coffee table,

700
00:38:33.960 --> 00:38:36.519
the agents who disappeared the moment that paperwork is signed.

701
00:38:37.039 --> 00:38:39.280
What stuck with him wasn't that we found him a plan.

702
00:38:39.840 --> 00:38:42.199
It was that we picked up the phone all right

703
00:38:42.239 --> 00:38:45.119
and took the time to actually listen to his situation

704
00:38:45.679 --> 00:38:48.320
and kept him informed every step of the way. He

705
00:38:48.360 --> 00:38:51.320
walked away understanding his coverage, not just enrolled in it.

706
00:38:51.679 --> 00:38:54.480
That's the difference, and that's what a review can't fully capture.

707
00:38:54.800 --> 00:38:58.199
The relief on someone's face when the fog finally lives.

708
00:38:58.880 --> 00:39:02.000
That's exactly what I hope workshop attendees walk away with

709
00:39:02.440 --> 00:39:05.360
clarity about their own timeline, confidence that there are no

710
00:39:05.480 --> 00:39:08.199
dumb questions, and the knowledge that working with a broker

711
00:39:08.280 --> 00:39:11.360
costs of nothing extra. If someone leaves a workshop and

712
00:39:11.400 --> 00:39:14.000
doesn't become a client, but makes a smarter decision because

713
00:39:14.000 --> 00:39:17.000
of what they've learned, that's still a win in our books.

714
00:39:18.039 --> 00:39:19.039
So the next question.

715
00:39:19.159 --> 00:39:21.840
Before founding your agency, you spent more than two decades

716
00:39:21.880 --> 00:39:26.079
in nonprofit leadership. How has that experience shaped your company's culture.

717
00:39:26.840 --> 00:39:29.360
We medicare philosophy and the way you build long term

718
00:39:29.400 --> 00:39:34.239
relationships with clients. Well, nonprofit work teach taught us that

719
00:39:34.280 --> 00:39:37.320
the mission comes before the money always. It also teaches

720
00:39:37.360 --> 00:39:41.199
you that relationships aren't transactions, they are commitments. When we

721
00:39:41.280 --> 00:39:44.119
say we medicare is not a clever tagline to us,

722
00:39:44.159 --> 00:39:47.039
it's a standard. It means we answer the phone in July,

723
00:39:47.559 --> 00:39:50.440
not just during enrollment season. It means we call clients

724
00:39:50.440 --> 00:39:53.079
when their plan changes, just not when there's something to sell.

725
00:39:53.519 --> 00:39:56.920
So that philosophy extend to how I built this team.

726
00:39:57.360 --> 00:40:00.920
We now have around twenty six independent agents serving over

727
00:40:00.960 --> 00:40:04.360
eleven hundred clients. Across more than thirty states, and every

728
00:40:04.440 --> 00:40:07.800
one of them knows the expectation be an educator first,

729
00:40:08.079 --> 00:40:11.400
a neighbor second, and a salesperson a distant third. My

730
00:40:11.599 --> 00:40:15.800
nonprofit years taught me that trust compounds over time. Clients

731
00:40:15.840 --> 00:40:18.920
feel the difference between someone chasing a com mission and

732
00:40:19.000 --> 00:40:22.559
someone building a relationship, and they tell their friends. Honestly,

733
00:40:22.599 --> 00:40:26.440
our business is growing Game Vestors because people refer us

734
00:40:26.480 --> 00:40:30.760
out all the time and we're able to help their friends, neighbors, family.

735
00:40:31.559 --> 00:40:34.039
It's amazing how many people have referred to us out

736
00:40:34.119 --> 00:40:37.480
and that's kudos to you guys for trusting us with

737
00:40:37.559 --> 00:40:41.800
your business. So next question, as your agency continues to grow,

738
00:40:42.159 --> 00:40:45.000
you've also applied to speak at Medicareans about developing the

739
00:40:45.039 --> 00:40:48.559
next generation of insurance professionals. What qualities do you believe

740
00:40:48.559 --> 00:40:51.199
today's agents need to succeed and why do you think

741
00:40:51.239 --> 00:40:55.480
an education first mindset is the future of this industry. Well,

742
00:40:55.519 --> 00:40:59.320
the next generation of agents needs three things. Genuine curiosity,

743
00:41:00.719 --> 00:41:02.840
and the humility to say I don't know, but I'll

744
00:41:02.880 --> 00:41:07.559
find out. Product knowledge can be taught, character cannot. I

745
00:41:07.599 --> 00:41:10.119
look for for people who would be great teachers, because

746
00:41:10.159 --> 00:41:14.039
that's what really this job is all about, right, We're

747
00:41:14.159 --> 00:41:17.360
all about educating first and not selling and putting that

748
00:41:17.440 --> 00:41:19.920
pressure on you. We want to make sure you understand

749
00:41:19.920 --> 00:41:22.039
the ins and outs of not just Medicare, but all

750
00:41:22.039 --> 00:41:25.280
things insurance. So education first is the future because the

751
00:41:25.320 --> 00:41:30.559
old playbook is dying, consumers are more informed, regulations are tightening,

752
00:41:30.599 --> 00:41:33.199
and seniors can smell a hard sell from a mile away.

753
00:41:33.840 --> 00:41:35.840
The agents who will thrive are the ones who build

754
00:41:35.880 --> 00:41:40.519
authority by giving knowledge away freely through workshops, content, radio,

755
00:41:40.719 --> 00:41:43.639
community presence. That's part of why I apply to speak

756
00:41:43.679 --> 00:41:47.639
at medicaians. I believe our industry's reputation gets rebuilt one

757
00:41:47.719 --> 00:41:50.679
well trained, service minded agent at a time, and I

758
00:41:50.760 --> 00:41:53.760
want to help develop them. When you leave with education,

759
00:41:53.880 --> 00:41:57.159
you're not competing on price or pressure. You're competing on trust,

760
00:41:57.280 --> 00:42:02.599
and trust wins every time. All right, So the last

761
00:42:02.679 --> 00:42:06.360
question they asked me is whether you're serving clients, hosting

762
00:42:06.360 --> 00:42:09.880
your radio show, coaching youth basketball, are staying active in

763
00:42:09.920 --> 00:42:14.639
your local community. Service is a consistent theme throughout your work.

764
00:42:15.000 --> 00:42:17.199
Looking ahead, what legacy do you hope to leave for

765
00:42:17.239 --> 00:42:21.920
both your clients and the next generation of insurance professionals. Well, honestly,

766
00:42:21.960 --> 00:42:24.320
for my clients. I hope the legacy is simple. They

767
00:42:24.360 --> 00:42:26.840
never felt like a number. I want people to say

768
00:42:26.880 --> 00:42:29.760
he took the time to make sure I understood. But

769
00:42:29.840 --> 00:42:33.119
the deeper answer starts before the agency. I spent twenty

770
00:42:33.119 --> 00:42:35.440
two years again in nonprofit work, and I spent my

771
00:42:35.519 --> 00:42:38.320
whole life learning that doors don't always open for you.

772
00:42:38.800 --> 00:42:41.800
Sometimes you're the person who wasn't invited into the room.

773
00:42:42.239 --> 00:42:44.000
My faith taught me what to do with that. Keep

774
00:42:44.079 --> 00:42:47.079
showing up, keep serving, and build your own table with

775
00:42:47.239 --> 00:42:50.360
room for others. That's why the workshops are free. That's

776
00:42:50.360 --> 00:42:52.920
why the radio show exists. That's why I coach the

777
00:42:52.960 --> 00:42:56.079
Clutch Kings, my son's basketball team, because a kid who

778
00:42:56.159 --> 00:42:59.079
learns to compete with heart and character at ten years

779
00:42:59.119 --> 00:43:02.840
old carries that into everything. My family sees all of

780
00:43:02.840 --> 00:43:05.800
it their early mornings, the client calls on weekends, the

781
00:43:05.920 --> 00:43:09.079
chamber events, and honestly, that's part of the legacy too.

782
00:43:09.480 --> 00:43:11.199
I want my kids to grow up watching what it

783
00:43:11.199 --> 00:43:13.840
looks like to build something honest in your own community,

784
00:43:14.079 --> 00:43:16.360
with your own name on the door, and to treat

785
00:43:16.480 --> 00:43:19.760
every person who walks through it with dignity. For the

786
00:43:19.800 --> 00:43:22.199
next generation of agents, I hope to leave a model

787
00:43:22.519 --> 00:43:25.960
proof that you can grow real business with ever compromising

788
00:43:26.119 --> 00:43:30.840
on integrity. Again, without ever compromising on integrity. If ten

789
00:43:30.920 --> 00:43:33.719
years from now there are agents running education first agencies

790
00:43:33.719 --> 00:43:36.440
because they saw it work here, and clients across the

791
00:43:36.440 --> 00:43:39.239
country if you can explain their own coverage because someone

792
00:43:39.280 --> 00:43:42.199
finally taught them, that's a legacy worth.

793
00:43:41.920 --> 00:43:43.559
More than any book of business.

794
00:43:43.800 --> 00:43:46.920
We don't just sell insurance, We medicare and I hope

795
00:43:46.920 --> 00:43:47.800
that outlives me.

796
00:43:48.360 --> 00:43:49.800
And honestly, folks.

797
00:43:49.559 --> 00:43:53.239
That is my motto. We are here to care about you.

798
00:43:54.000 --> 00:43:56.800
We immenseally want to make sure that you are cared

799
00:43:56.840 --> 00:43:59.960
for and that you are provided for, and that you

800
00:44:00.079 --> 00:44:03.760
make the right decisions. And so that's just my background

801
00:44:03.840 --> 00:44:05.800
of where I've come from, and that's why I have

802
00:44:05.880 --> 00:44:08.800
such a servant's heart. That's why Glenn has a servant's heart.

803
00:44:08.840 --> 00:44:13.159
That's why the agents that we hire have that same characteristic.

804
00:44:13.880 --> 00:44:18.119
It's important for us to keep that culture in our agency.

805
00:44:18.920 --> 00:44:21.760
So again, there's different places you can visit us. Obviously

806
00:44:21.800 --> 00:44:25.039
this website Josephinsurancebroker dot com. You can go to our

807
00:44:25.039 --> 00:44:29.159
Facebook page where this show is live, Joseph Insurance Broker LLC,

808
00:44:29.719 --> 00:44:33.519
our YouTube channel here. It's at Medicare Minute with Peter.

809
00:44:34.440 --> 00:44:36.480
There's a couple of other articles you can check out

810
00:44:36.480 --> 00:44:39.920
here as well, and so I encourage you guys to

811
00:44:40.000 --> 00:44:41.360
check out the ins and.

812
00:44:41.280 --> 00:44:46.079
Outs of our website so real quick.

813
00:44:46.480 --> 00:44:50.119
Anytime that you need to get a quote, you just

814
00:44:50.119 --> 00:44:53.039
click this get a Quote button on the top and

815
00:44:53.079 --> 00:44:56.039
then you're going to fill out this information and the

816
00:44:56.079 --> 00:44:58.880
product that you're looking for. So this drop down gives

817
00:44:58.880 --> 00:45:03.039
you Medicare Advantage, Medicare Supplement, par d plans, health insurance,

818
00:45:03.079 --> 00:45:06.880
long term care, commercial, auto, property, small business group benefits,

819
00:45:06.920 --> 00:45:12.280
life insurance, California Fair Plan, Bamboo home insurance, agents, business insurance,

820
00:45:12.360 --> 00:45:16.360
dental vision, or other. You name it, we do offer

821
00:45:16.360 --> 00:45:18.679
it and we service it well. We've been doing this

822
00:45:18.719 --> 00:45:21.039
for ten years and so we can definitely help you

823
00:45:21.079 --> 00:45:22.639
with all your needs. We want to be a one

824
00:45:22.639 --> 00:45:25.440
stop shop for all our clients. So all you do

825
00:45:25.480 --> 00:45:28.400
is click get a quote, You fill that information out

826
00:45:28.400 --> 00:45:30.320
and it gets to our inbox and Glenn will get

827
00:45:30.320 --> 00:45:33.360
a copy of that as well the other places.

828
00:45:35.559 --> 00:45:41.360
If you go back here and you click join our team.

829
00:45:41.400 --> 00:45:43.719
Let's say you're an agent listening in and you want

830
00:45:43.760 --> 00:45:46.079
to find a new home and this really rang a

831
00:45:46.119 --> 00:45:46.599
bell with you.

832
00:45:46.679 --> 00:45:51.239
Guys. You click join our team and same thing.

833
00:45:51.280 --> 00:45:54.360
You're going to be given this information on what we offer,

834
00:45:54.920 --> 00:45:56.400
and then on the right hand side you're going to

835
00:45:56.400 --> 00:45:59.840
fill out your information what states you're licensed in, are

836
00:46:00.079 --> 00:46:03.280
currently a licensed agent, what service is your license in?

837
00:46:03.880 --> 00:46:06.599
And then you submit that and we will definitely get

838
00:46:06.599 --> 00:46:08.000
back to you as soon as we can. We would

839
00:46:08.039 --> 00:46:09.360
love to have you join our team.

840
00:46:09.719 --> 00:46:10.000
Again.

841
00:46:10.039 --> 00:46:14.079
We're already at twenty six agents. Obviously, our agents love us.

842
00:46:14.159 --> 00:46:17.079
They don't leave us. Very rarely do they leave us.

843
00:46:17.320 --> 00:46:19.400
If they leave us, it's because of a career change.

844
00:46:20.000 --> 00:46:22.639
But we're here to support you and give you the

845
00:46:22.679 --> 00:46:25.840
tools that you need to be successful in this market.

846
00:46:25.920 --> 00:46:28.199
So definitely reach out to me if you want to

847
00:46:28.280 --> 00:46:31.360
join our team. All right, so I'm going to stop

848
00:46:31.400 --> 00:46:35.679
sharing here, get back to our show. So thank you

849
00:46:35.760 --> 00:46:39.679
so much for listening in this morning, making the time again.

850
00:46:39.840 --> 00:46:43.440
We are so blessed. We've had some quite a few

851
00:46:43.599 --> 00:46:47.840
visitors and quite a few people observe us and watch

852
00:46:47.880 --> 00:46:48.719
our show.

853
00:46:49.239 --> 00:46:50.440
First couple of shows, we've.

854
00:46:50.320 --> 00:46:53.119
Had over twenty seven hundred people view our show, so

855
00:46:53.159 --> 00:46:57.159
that is tremendous. I hope that continues and we want

856
00:46:57.199 --> 00:47:00.239
to be an outlet in the resource, a place where

857
00:47:00.239 --> 00:47:02.719
you can ask us any questions while we're going live,

858
00:47:03.079 --> 00:47:06.079
so we can answer you right then and there. We

859
00:47:06.599 --> 00:47:08.920
do this because we want to serve our community. We

860
00:47:08.960 --> 00:47:11.039
do this because we want to get that information out

861
00:47:11.119 --> 00:47:14.159
to you as soon as possible. Anything new changes in

862
00:47:14.199 --> 00:47:20.079
our market, whether it's medicare, regular insurance, life insurance, any

863
00:47:20.239 --> 00:47:23.079
regulations or laws that change, we will bring that forth

864
00:47:23.119 --> 00:47:25.719
to you here on our show. Make sure that you

865
00:47:25.840 --> 00:47:27.920
have that information so you can apply it to your

866
00:47:28.079 --> 00:47:32.320
particular situation. We thank you so much for our sponsors.

867
00:47:32.360 --> 00:47:34.199
At the end of the show, you'll see a list

868
00:47:34.239 --> 00:47:37.920
of our sponsors. We have quite a few, especially our

869
00:47:38.079 --> 00:47:42.199
FMO that we work with Everything Senior Insurance. We want

870
00:47:42.280 --> 00:47:44.800
to be here without them, so thank you. Christian Brindle

871
00:47:44.840 --> 00:47:49.519
and Glenn Shelton, the owners of Everything Senior Insurance lead heroes.

872
00:47:49.679 --> 00:47:54.159
They offer leads to our agents. John Aladna, who is

873
00:47:54.159 --> 00:47:57.039
a realtor here locally in southern California. He helped us

874
00:47:57.039 --> 00:48:01.559
buy our first home. So we will consist and continually

875
00:48:01.599 --> 00:48:05.840
bring small businesses here on our platform that we trust

876
00:48:05.960 --> 00:48:09.280
inherently and that we actually do business ourselves with so

877
00:48:09.400 --> 00:48:12.920
thank you for our sponsors, thank you for listening. And

878
00:48:12.960 --> 00:48:15.840
we do this because we medicare.

879
00:48:17.159 --> 00:48:21.039
Thanks for listening. Tune into Medicare Hour and More with

880
00:48:21.159 --> 00:48:25.159
Peter every Tuesday at nine am Pacific time right here

881
00:48:25.199 --> 00:48:29.960
on k FORHD Radio at KFOURHD dot com for more

882
00:48:30.079 --> 00:48:34.079
real life stories from experts being to medicare about you

883
00:48:34.360 --> 00:48:39.000
and protecting your health, your finances, and your future. See

884
00:48:39.000 --> 00:48:39.800
you next week