Carlos Granados Podcast

Life Insurance: Protect First, Then Prosper - Turning Risk Into Generational Wealth

• Carlos Granados • Season 1 • Episode 53

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0:00 | 56:50

We trace Paola’s near-fatal crash to a purpose-driven path in life insurance, unpacking term, whole, and IUL policies, living benefits, and how to align coverage with goals and seasons of life. We dig into underwriting realities, estate planning, and why intentional reviews protect families and legacies.

• vision boards as a tool for intentional planning
• the accident that sparked a shift to protection
• myth-busting life insurance and “scam” claims
• term vs whole vs IUL and living benefits
• how underwriting works and why honesty matters
• calculating coverage based on debt and dependents
• using IUL cash value for emergencies and retirement
• trusts, probate, and funding estate taxes
• building a fiduciary agency and client-first culture
• annual policy reviews tied to life changes

30-minute free discovery call


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SPEAKER_03

What is going, ladies and gentlemen? Welcome back to my channel and welcome back into another episode of the Carlos Granados podcast. Before we begin, as usual, thank you guys for always supporting the channel and always showing a lot of love uh to my channel on YouTube and all the social media platforms. Don't forget that if you're listening to this and all the audio platforms, um, you can watch this video in 4K on YouTube, on my YouTube channel, of course. And if you're in YouTube already, you can go to the social the all the audio platforms like Spotify, uh Apple Podcasts, and Amazon Music, and of course, listen to the podcast. Today we have a special guest, a second timer, and pretty quick turnaround. And we're gonna discuss some financial stuff, some life insurance, and I'm excited to learn a little bit. So stick around, you know, for the rest of the episode. Maybe you'll learn a thing or two. But without further ado, Paola Deas, welcome back to the channel. How are you doing?

SPEAKER_00

Thank you, Carlita.

SPEAKER_03

Welcome, welcome. Put the put the mic closer to yeah.

SPEAKER_00

Thank you.

SPEAKER_03

Um, I'm excited to have you back again because I'm excited to discuss, you know, insurance, especially life insurance, right? And but before we get there, can you talk about your life? How you how did you end up getting to the point where now you're doing insurance and um in hopes that many people here that are listening and watching can get educated, you know, and hopefully if they have any questions in regards to um uh their finances in the future or when it comes to insurance, life insurance, maybe they can reach out to you and then you know you guys can work together. So yeah, but go ahead, start. Where how did this all begin?

SPEAKER_06

Well, thank you for having me back, Arlitos.

SPEAKER_03

Welcome, we're gonna welcome, welcome, welcome.

SPEAKER_06

I came back for the beans.

SPEAKER_03

Third time, third time with the beans of charm. Last time Powell came, she was tearing up the beans. My mom does make good beans, though. It's probably the inside she's actually making beans right now, but is it a surprise? I don't think so.

SPEAKER_06

No, because we're both Salvadorian now. Hey, that's why there's a big turnaround.

SPEAKER_03

That's where it is. It's quick, we move fast.

SPEAKER_06

Salvadoring is we don't take we don't waste time.

SPEAKER_03

Exactly. I agree with that. We're little hustlers, you know.

SPEAKER_06

We're visionaries and we take action.

SPEAKER_03

Like the vision board we did. Oh, yeah, yeah. Oh, by the way, guys, uh, the vision board we discussed last week and with our episode with Erica, she was the host.

SPEAKER_06

Yes, I was.

SPEAKER_03

She was the reason why I did it. Yes, you know what? Can we before we get into how you got to the life insurance? I want to actually ask you what made you start the vision boards real quick. Like what what do you feel like it's the importance of that?

SPEAKER_06

I think it was 2021 when I first started my first uh vision board party. Usually at the beginning of the year, but um I think that year I did it a week before the new year to kind of like pre kind of prepare yourself for the year. Prepare yourself, yeah, and get creative with what we actually want to manifest and create for the year. And so far, just having that practice with the family, with my kids, my mom.

SPEAKER_04

Right.

SPEAKER_06

I mean, immediate family sometimes has resistance.

SPEAKER_04

So then what does that mean?

SPEAKER_06

Immediate family doesn't take it serious, you know? So then I started opening opening it up to uh friends and colleagues, and that has had a better turnaround with people.

SPEAKER_03

Yes. I wonder if I wonder if it's because like people don't get um people from wherever we're from, or people in general, they're not into all that stuff, you know. Maybe they don't even want to put the time in to see like what they want to accomplish in the following year. You know what I mean?

SPEAKER_06

I think everything's cultural. Um I think that's a good one culture, yeah. It's cultural. I think Hispanics are more like it's in God's hands, it's in Mary's hands, it's yeah, you know, it's more spiritual versus and I'm not saying there's anything wrong with that because I'm spiritual as well. But there's a power in you. Okay, so the cat, the dog, the birds, the bees, they don't have higher faculties like we do. Imagination, like actually closing your eyes and visualizing and actually being intentional. Right, you know, yeah, but we don't really put it to practice. So I think these are spaces that I have created so we can actually be intentional.

SPEAKER_03

That's good. Intentional, it's it's it's it's a good word. I I like that. I think that's that's good. I think um, well, um the tongue has power, you know. There's power in your tongue, so whenever you speak it, it actually means something, you know. It's it's putting it out there, it's it's true, it's biblical, so that I get that. I thought it was great by the way. I thought the vision board thing was cool. I still have it under my piano over there. I might need to hang it out, but I actually like it there. I don't know for for whatever reason I always see it.

SPEAKER_06

You have to put it somewhere where you're actually gonna see it because the more that your eyes start seeing it, you turn on the reticular activating system.

SPEAKER_03

Rewiring your brain is what you're saying for lame terms.

SPEAKER_06

So kind of like, okay, you have a BMW, then you got it, and then you see more BMWs, right? Or the color red. So when you do these practices and you have those visuals, you every day you wake up and you see it, intentionally, the actions you that you take every single day are gonna create certain patterns that no matter what, it's eventually gonna align with what you put on that visible board.

SPEAKER_03

Got you. That makes a lot of sense. No, that's good, that's good. I had a great time. I think I lack a little bit of creativity, but it's all good. Yeah, you know.

SPEAKER_06

But no, no, no, no. Yours was really like minimalistic.

SPEAKER_03

Yeah, I'm very simple. I'm a simple guy.

SPEAKER_06

Yeah, yeah.

The Accident That Changed Everything

SPEAKER_03

I think most guys are, but I'm very uh I see it, I like it, I don't like it. Let's go with that, let's go with that. Glue it to the board. Yeah, but yeah, let's talk about how did you end up getting into um well the finance finance finance space and also with life insurance? How did you end up getting to that point?

SPEAKER_06

Well, I don't know if it was on accident or because of an accident.

SPEAKER_03

You're laughing for this for a reason.

SPEAKER_06

Okay, so been in the beauty industry, which is my passion, it's these hands are just magic. They're magic.

SPEAKER_02

Oh man.

SPEAKER_06

I love uh hair, makeup, anything beauty. I'm really creative. I'm good with my hands.

SPEAKER_02

Right.

SPEAKER_06

So 17 years I've been in this industry, the beauty industry. And um along the line, you know, as a single mom, um, hard worker, hustle, hustle, hustle, but I ended up having an accident where I almost died. So that was like my wake-up call.

SPEAKER_03

Can we know how?

SPEAKER_06

Or is this actually no no no, it wasn't my fault. I got T-bone, so I was going through an intersection, and the other car on the opposite side was supposed to yield to let me go by, but she didn't never yield, she just went straight into me. Going six to an hour, so pretty fast. So in that moment of impact, I'm thinking I'm transitioning, I'm like going into heaven. You're you're you're seeing the light as well. But no, the seatbelt ended up locking and it lacerated my liver in half. So the Are you serious? Yeah, I was like, I knew something happened in here because I felt the explosion.

SPEAKER_03

Oh my god.

SPEAKER_06

But because it's the liver, there was some internal bleeding. Put the mic closer. Yeah, it go ahead. The liver is the organ that repairs itself.

SPEAKER_03

I I I was gonna ask it right. So it cut it in half, and then what did it it slowly just started repairing?

SPEAKER_06

Yeah. But being in the hospital and just seeing Jade, Jade must have been like Jade is a daughter, by the way, for the people I know. She's 14, gonna be 15 this year. Um, she must have been three.

SPEAKER_01

Oh man.

SPEAKER_06

Three or four. Just seeing her come in with her little worried face, mommy, and I'm thinking like, shoot, that could have been the last time I saw my kid, you know. And then at the time I was like, I have no life insurance. Like it had to be that strong, you know, impact that that case for me to wake up and be like, oh, I think I need to get life insurance. Right. Any person that has children, I mean, you can have it as well. Yeah. Because you're growing, you're growing your assets, you're growing your enterprise, your your empire. But once you have children, to me, it's a no-brainer.

SPEAKER_03

You should get life insurance.

SPEAKER_06

So and it's also a form of self-love. Like your life is the only it's your only chance in this earthly realm, right? Uh-huh. And if you don't have it protected for A, B, and C, because life happens. Uh-huh. Right? Life is like the it's on the machine, your heartbeat. It goes up and down. It's not linear. Right. If it's linear, you're dead. Correct. Um so when life happens, at least it happens and you know that you have some kind of protection.

SPEAKER_03

Gotcha.

SPEAKER_06

Life insurance.

SPEAKER_03

So, right away, since we're talking about this specific topic of life insurance, what do you say to the people who would say that life insurance is a scam? How do you feel? We're gonna get right into it. How do you feel about that? Because you're in you, you know, obviously, this is what you do, but I know the internet, and the internet gets wild, and the YouTube comments or sections get wild. So, what do you what do you have to say to the people that um don't believe in life insurance?

SPEAKER_06

Well, you know, that hits home because my grandmother, who was a huge influence in my life, was one of those that would say life insurance is a scam. And a few years after I got my first policy after the accident, she got diagnosed with terminal cancer. Oh, I'm sorry. But in that moment when I was getting my policy, I was trying to get her to get hers. If she would have said yes and agreed to it, and then two years happened that she gets a diagnosis, it would have kicked in, she wouldn't have she wouldn't have had to die to take out benefits in life while she's alive, going through her treatment to use her life insurance policy.

SPEAKER_03

Wait, why why was she able to take out money?

SPEAKER_06

She wasn't because she never got it. But if she had listened to me, she would have been able to enjoy living benefits.

SPEAKER_03

So with life insurance, there is an option to enjoy living benefits. What triggers that? Terminal illnesses?

SPEAKER_06

Terminal illnesses is the key. Okay. The main one, the main reason. If you amputation, accident, dismemberment, you can't work anymore.

SPEAKER_03

You can't work disability.

SPEAKER_06

So then it activates the death benefit.

SPEAKER_03

Wow, I didn't know that. I thought it was only death. I know there's insurance policies that you can pull out money because you gain uh well, that's the thing.

SPEAKER_06

There's misinformation in the internet. Well inform us, inform us. Remember where I said we can have your Kias, your Hondas, your Toyotas, uh-huh. And then you got your Bentley's, your Maserati's, and your Ferrari's.

SPEAKER_03

Uh-huh. Right.

SPEAKER_06

The big So in our industry, any industry, we have a range for different consumers. The market has different consumers. Right. So it just depends on um where you are in life and what you want and what your goals are. So there are term insurance policies that are actually what the what it means, term for a certain term. And once you get to your term, it's more expensive because now you're older, right? Right. But that usually they only cover death. It also depends on the carrier of the company.

SPEAKER_03

That makes sense. Yeah. That actually makes sense. I heard that uh term uh insurance is better than whole life, or does that depend on the case? What's your opinion on that?

Term Vs Whole Vs IUL

SPEAKER_06

Remember, these are tools, these are also tools, financial tools. It depends on how you use a tool. You can use a hammer for the right reason, or you can use a hammer for the right reason. So kill somebody. I gotcha. So I, as an agent, ethically, I'm not gonna speak bad about any company in specific or any type of policy. Uh-huh. There's for every person and every family, there's okay, so one size does not fit all. Gotcha. Wherever you are, as an agent, I'm like a fiduciary. I help you find the right one.

SPEAKER_03

Fiduciary? What is that?

SPEAKER_06

A fiduciary, someone that looks for your interests, not self-seeking pockets.

SPEAKER_00

Like what?

SPEAKER_06

So I will I may have heard the I can I can make a commission off of you and sell you the wrong policy, therefore creating a scam experience for you.

SPEAKER_03

Oh, I see where you're saying.

SPEAKER_06

I got scammed. Like now, like, do you know what I'm saying? I need to be a fiduciary and agent that's ethical. So that's why I'm not gonna say that there's certain companies or good or bad. There's a product for every single person in a different situation. Everyone's in a different life stage.

SPEAKER_03

Different strokes for different folks.

SPEAKER_06

Essentially.

SPEAKER_03

Gotcha. No, that makes a lot of sense. Now, you know, in a little bit, we might have to discuss what do you what would you recommend for me? I would like to know.

SPEAKER_06

Well, see, and you have to do your um homework. Kind of like in the sense of you can get multiple quotes with different agents, but when you start and you can feel it in your gut when someone's trying to sell you something for their own convenience. So you just to make money. Yeah. Or they're really if they do the they ask the right questions in your consultation. Right. They go deep, okay, Carlos, what are your goals short term, long term? Um, how much do you have in assets? How much debt do you have? Do you want do you like your debt where you are? Do you want to reduce your debt? Your but if they go straight to just trying to sell the product, it's a red flag.

SPEAKER_03

Red flag number one. Yeah. So those are some of the things that maybe you should be looking out for if an insurance agent comes to you and just like try to make money off of you right away.

SPEAKER_06

It's all about the client experience from like making the appointment to the end, the final, like the whole process.

SPEAKER_03

So you don't have to mention the name, but do you work with a specific company that you're under, or is there an umbrella of companies you can work with, like brokerage almost?

SPEAKER_06

Yeah. So I've been in the industry five years. I've worked with three different brokers, and thank god in 2025 I created my own agency. Like I'm the new brokerage now.

SPEAKER_03

Oh, snap! Congratulations. Wait, I think this deserves a little wait, which one is it? Nope. That one there you go. That's good. That was a ball.

SPEAKER_06

Wait, congratulations, by the way. Yeah, so I'm They is an Associates, LLC Insurance and Financial Services.

SPEAKER_03

We're gonna have to you're gonna have to give me the link for that. Okay, manage your Instagram so people can you know look at it on the description below. Go ahead.

SPEAKER_06

Thank you.

SPEAKER_03

Yeah, I got you. I got you now for real. That's that's awesome.

SPEAKER_06

Yeah, so uh working with different carriers is key. I'm not married to one company because then I'm kind of cutting myself and my clients from different opportunities, right? You know, so let's say you get a you get declined because of a medical, you know, maybe during the underwriting process, you didn't disclose with me that you were taking metformin, you know, a I don't know what it is, a pre-diabetic medication. Okay, they find out anyways, and then they deny it. So then as an agent, you have to be really transparent with me because I gotta write that. That doesn't mean you're gonna get denied. But if one company denies you, I know that there's another one that will accept you because we'll redo the application proper process, but we will disclose everything.

SPEAKER_03

So they won't get caught off guard and be like, you didn't have this down. Yes.

SPEAKER_06

But I try to tell my clients in the beginning from the moment that we're doing our application process, just please be honest because they're gonna find out anyways.

SPEAKER_03

Oh yeah. Um how so?

SPEAKER_06

They go through medical records they have your RX information, your um pharmacy hand records.

SPEAKER_03

That makes sense. Yeah, yeah.

SPEAKER_06

So if you get a prescription, they fill pull up your whole life.

SPEAKER_03

I thought they went to like the hospitals or something and trying to get your your whole health information. I was like, hippah.

SPEAKER_06

No, uh, but you know what? I've had clients approve that uh are pre-diabetic are on heart medicine. It just depends on when they pull your records, if you're under control, if your weight is good, even though you have previous conditions, medical conditions, but you're stable, you can get approved, obviously a little bit higher cost, but it's not a reason to get denied. But it just depends at the at the end, the person, the underwriter that gets your application, sometimes you know, right lucky or you can get unlucky.

SPEAKER_03

Yeah, gotcha, gotcha. Is there a specific amount like on average that you feel like most people um required? Uh I know it it varies in different cases, but is there like something that you feel like works best for everybody? I know it's not a one shoe size fits all, like you said, but is there like an average between like of what people are getting, maybe like prices and stuff or anything like that you can share?

SPEAKER_06

So when it comes to pricing, let's say if you decide to go with the term policy, you're gonna get more coverage for a lower cost, more bang for your buttons.

SPEAKER_03

Because this term, because eventually it will end.

SPEAKER_06

Yes.

SPEAKER_03

So I okay, question.

SPEAKER_06

So let's say during your childbearing years, giving you a scenario. Oh I also have a term insurance and I also have a whole life, and I also have a universal life.

SPEAKER_03

Universal life? Yeah. What is that if you're born an alien or something?

SPEAKER_06

No, universal life insurance, it's uh it's what they call IUL. So I am proof that I like a little bit of everything to see how they perform, and then I can give feedback as well.

SPEAKER_03

Oh, so you want to experience it yourself so that you can actually that's that's actually a very valid.

Underwriting, Honesty, And Approvals

SPEAKER_06

So when it comes to term, because I have kids, like okay, I have a six-year-old and a 14-year-old. This is a time in my life where I want more coverage. If I were to pass away from now in five years, I want to make sure at least I leave two million dollars so it can cover for you know five years of food, expenses, college, whatever.

SPEAKER_03

Living, all that stuff. Yeah.

SPEAKER_06

Once the term comes to its term, I don't care to renew it. Because now these kids are probably gonna be in their early 20s and they're gonna be self-sufficient.

SPEAKER_03

Gotcha. Right. I see what you're saying.

SPEAKER_06

But my cash value accounts, my IUL, is structured to be my retirement account.

SPEAKER_03

Okay, and you're using that as a 401k?

unknown

Yes.

SPEAKER_06

Better than a 401k. But we're gonna compare, we're gonna say like a Roth IRA.

SPEAKER_02

Okay.

SPEAKER_06

401k. More like a Roth, not a 401k. Okay. Yeah, because you're not getting any matches. 401k is pre-taxed, right? So then it gets taxed when you take it out. Correct. Roth, it's not so good. But you got you got yeah. Yeah. But this one has liquidity and you can also use it for living benefits if you get sick.

SPEAKER_02

Like I said earlier. Yeah.

SPEAKER_06

Or an emergency, like uh when was it in September? I think I pulled out like six K just for kicks and giggles.

SPEAKER_03

Oh, because but th that was part of your benefits?

SPEAKER_06

Because I have cash value accumulation. I've been putting money since 2011. No, no, no. 2014.

SPEAKER_03

But you don't lose any of the actual value because it's been building interest, is what you're saying.

SPEAKER_06

Okay, so it's interest money. That's correct. Yeah, and there's two ways to pull it out. You can pull it out as a loan or you can pull it as a withdrawal. I find it to have more benefits pulling it out as a loan.

SPEAKER_03

Oh, and then you have to pay it back eventually, right?

SPEAKER_06

You don't have to necessarily, but if you keep contributing to it, it kind of pays itself off.

SPEAKER_03

Oh, I see what you're saying.

SPEAKER_06

Yeah.

SPEAKER_03

So, and this is uh It's a beautiful thing.

SPEAKER_06

I love it. Because I think I can see it in your eyes are writing in. Yeah. Um, so And you don't have to get into credit card debt, and then the credit cards charge you freaking 25%, 29%.

SPEAKER_03

Yeah, 20 something.

SPEAKER_06

At this point, like they're making money for you, and then you're just using it as you need it.

SPEAKER_03

You know, I don't well, I'm not gonna make this political.

SPEAKER_06

Quisanieras coming up, you know. I know where to get my money from. Someone said, do uh Pavinos. I'm like, oh, that's kind of tacky, but you know what the vibes?

SPEAKER_03

I was I used to be in Quisanieras a lot when I was I was a champion back in the day. Yeah, oh back days. Oh my god, I'm old.

SPEAKER_06

So you see what this life insurance does, it helps you throughout life.

SPEAKER_00

Nice. I hope so.

SPEAKER_06

As a single mom, like not I'm not a single mom anymore, but throughout my 14 years of the city.

SPEAKER_04

There's a ring, show them a ring just in case. Yeah, go ahead.

How Much Coverage Do You Need

SPEAKER_06

Um, they really have been just amazing. And the person, okay, so this is how I after my accident, we're gonna go a little bit backwards. Um, as a millennial, you know, we go into the internet and we Google and research our best friend. I found this company called Synergy. They were out in Alfred. I don't even know if they still exist, but Jamie was my agent. He was an old little white man, and he was so cute. He drew me a little house. So cute. And then he said, This is your foundation. Your house has to have a solid foundation. And what just happened to you with your accident, you didn't have a solid foundation. It was like House of Cards, you know. So when he did that little house analogy, and he did this and my beneficiaries, and then he talked about estates and like he really educated me. Nothing that my family of origin really, I would say, had any of that in place.

SPEAKER_03

Right.

SPEAKER_06

You know, we just Hispanics don't come from that.

SPEAKER_03

No, no, no. We're patriot of patriot.

SPEAKER_06

We all do recollect that when someone dies.

SPEAKER_03

Yo, that yo, that's it is true though.

SPEAKER_06

Like everybody pitches, and it's great because you got community, but if we live in America and we have these, we have access to these tools and resources, there's no reason for us to be burdens to other people financially.

SPEAKER_03

That's good. Um, and I think this is part of why I love having you here on my podcast, because um people who are, you know, maybe coming from like first generations, they can learn more about you know um financial stuff like this. Because who knows, you know, if somebody will ever need it, or they might go back to their parents, um, their older folks, and say, hey, maybe you should get something like this because once you're gone, you can take care of the family, you know what I mean? Or something happens to you, you can take care of the family. Well, so with the universal, uh, I had a question. So with the universal one that you were talking about, is that also whole life insurance, or is that term?

SPEAKER_06

Uh no, that's we're talking about we're going now into like the Bentley's and the Maseratis.

SPEAKER_03

So that is whole?

SPEAKER_06

So there's whole life um and universal life.

SPEAKER_03

I oh my gosh, see so what's so there's a lot, there's a lot, there's different ones.

SPEAKER_06

So there's a carrier in specific, which I will mention, National Life Group. They're one of my favorites, they're in the top for my favorite because they actually have term, whole life, and IULs.

SPEAKER_03

And IULs are the universal ones, the universal life.

SPEAKER_06

Those are the newer ones, or say the newer models that have came out, they're more flexible, they're not set in stone.

SPEAKER_03

Gotcha.

SPEAKER_06

If something in your life happens, you need to tweak something up, you don't have to recreate a new contract. Right. You can just modify what you already have.

SPEAKER_03

So essentially, for somebody that would be interested in learning more, um, first if it's structured correctly.

unknown

Yes.

SPEAKER_03

That's a good point. Fair, fair enough. So for somebody that's listening to the podcast right now and they said, hmm, this is intriguing. Um, what is one of the first steps you think they should do? Um, I'm assuming maybe coming and talking to somebody that knows about insurance like yourself.

SPEAKER_06

Yes.

SPEAKER_03

Yeah.

SPEAKER_06

And also, I guess if they have a spouse, you gotta get on the same page with your spouse or your partner, domestic partner, you know. Because I would say there's always a spender and a saver in a relationship. Or if you got two spenders and you're in trouble, then you really need to sit down with a professional to kind of like put you guys in order, put you guys straight. But yeah, define, okay. So if I owe, I just bought myself a half a million dollar house, and I literally owe half a million, and then wife has a sixty thousand dollar car, husband has another sixty thousand dollar car. We gotta sum up all of what we got going on and at least have that as minimum coverage as death benefit. Then we have babies next year, right? If one who's the sole provider, right? Right? Add to the coverage because now there's babies, right? So you could think of insurance in that way. If you're just in college, get you get yourself the minimum, you don't have a lot to leave behind.

SPEAKER_03

Yeah, you know, you're still trying to maybe to cover your college debt if you have any.

SPEAKER_06

Yeah, so you can set these up as you grow in life, right?

SPEAKER_03

Yeah, that makes a lot, that makes a lot of sense.

SPEAKER_06

But start the the magic here is just to start and and let it evolve with you.

IULs For Cash Value And Retirement

SPEAKER_03

You know what it reminds me of is maybe you're part of a process of a whole financial picture because you know you have different assets and things everywhere, maybe you have different retirement accounts and stuff, but like I feel like you're kind of part of like that group of companies or benefits or things that you can do for retirement and to protect yourself, right? Because this is more for protection, right? For prevention in case something happens.

SPEAKER_06

So think of it this way: so now we we're in our 30s, we have our vitality, vitality, our health. So we're in creation mode. Right. Five, seven years, ten years. Now we have to get into protection mode of what we've created. I see what you're saying. Protection, right? I'm following. And then you got to plan your exit strategy and retirement. So these vehicles can be tools, financial tools to guide you the whole way.

SPEAKER_03

Gotcha. I'm following what you're saying. It makes it makes um a lot of sense.

SPEAKER_06

But let me tell you something. Latinos tell me something. Latinos are the number one working class, number one consumer. But when it comes to having these financial tools set correctly, structured correctly, if they fail, they suck at it. They don't have it. I would say around 70% don't have any, not even a term insurance.

SPEAKER_03

Yeah. I mean, there is a lot of, I know a lot of the land community lives paycheck to paycheck. Um, when it comes to like if one paycheck doesn't come in, you know, they're in a blender. And um talking about that, minorities, Latinos, what do you think is the best way to reach them and have conversations like these? Have you ever thought about that? Like how maybe you can approach obviously what we're doing now, it's great, for sure. But for most of the people um that have never been educated, what do you think would be some great like outlets and ways to reach out to them?

SPEAKER_06

Well, I think when I educate them, I when I sit down with someone, my first question is like, do you have enough money saved for six months of let's say you you don't have you get in an accident or you're hospitalized and you literally cannot produce for six months? Do you already have that set aside? Right, and I would say 99% of the time it's a no, right? And it's creating conscience in the person, conciencia, right? So that's how I approach it. Gotcha, kind of like a fear tactic, but it's true, sadly, but it's true, so it's it's doing that or on the way here to the office. Do you know the probabilities of you getting in a car accident were higher than if you were in a car?

SPEAKER_03

In a plane. I heard of that before. I heard of that before.

SPEAKER_06

So I'm like, thank you that you arrived alive.

SPEAKER_03

Yeah, you know, to this to talk. Yeah, so we can have a discussion, a professional discussion.

SPEAKER_06

Because after you leave the office, I don't know if you're gonna get hit in the eye. But do yo, the way think about it, like if leaving here, you don't know. So let's seal the deal, let's protect your life.

SPEAKER_03

Yeah, that that's that's a good one. You know, I'm gonna outside of this, I'm gonna discuss um some things about that with with insurance with you. Because I have insurance through work, life insurance, but it's through work, so and it's most likely term, you know why because it's definitely term. Yeah, no, it's it's definitely term.

SPEAKER_06

There's no a hundred percent term unless you're a key asset, and we can go dive into key person key men policies. Yeah, you're like the intellectual property of the company, they will they will um invest in you in a a Mac daddy, a Mac Daddy. Maybe I want to be a Mac Daddy in this world nowadays in you because you are part of the image of crazy company, yeah.

SPEAKER_03

Yeah, yeah. So you know what? Let's do a live um podcast session when it comes to me.

SPEAKER_06

Okay.

SPEAKER_03

You cool with that?

SPEAKER_06

Actually, yeah, we can structure your whole policy and do it live.

SPEAKER_03

You just do it live.

SPEAKER_06

I'm I'm I'll have to bring my computer though to run the softwares and the numbers.

SPEAKER_03

Okay, um, you know what? Go get your laptop.

SPEAKER_06

No, I don't have any next one. Actually, that's for the that would be great. That's a good that's what we call case study.

SPEAKER_03

Yeah, I'm I'm I would love to.

SPEAKER_06

For like other people in the okay, so I have one, two, I only have three agents right now that I'm training. Maybe possibly Erica will join my team. But for me, these are great case studies to teach them.

SPEAKER_03

You know what? You should bring bring them here, and then we do it on the podcast, we do it live. Yes, we do a case study while they're listening, then you know, yes, then this is gonna be also recorded so they can go back and watch and learn.

SPEAKER_06

Okay. That's a double. So we'll do your financial x-ray.

SPEAKER_03

Uh-huh.

Estate Planning, Trusts, And Taxes

SPEAKER_06

That's like all the questions, your questionnaire, like where you're currently at and where you want to go. So you spoke to my friend Erica about like getting a house or buying a lot, property. You can structure it to where in three years you can pull out money out of it and have three percent or five percent or ten percent towards that purchase.

SPEAKER_03

Yeah, because I have so this is the thing, I and you know this could be based on the vision board, but I'm a simplistic man, right? So um at my job, we have a 401k, they match that, I put money in, I already random numbers, and by the time I retire, I'm gonna be good, if not great, right? That's the reason I don't look into other things, but even though I should, and that's the reason I'm intrigued by this, because I'm like, what if you know I add a little bit of some maybe some love to to see what happens because I think that'll be very interesting. Um, but for the most part, so what would I need um if we had this discussion? Like if I came to you as a client, what are you asking for me? My financial situation, what else?

SPEAKER_06

My health, I'm assuming, because yes, health has a lot to do, especially during the underwriting process. And the cool thing about these other alternative financial tools is that it helps you with um the market volatility. Uh-huh. So, you know, your 401k, like you just said, yeah, you know, sometimes you can they won't solo 600k 60k down. Yeah, but with these, they just lock. When the market drops, your money doesn't drop with it. They just kind of lock.

SPEAKER_01

Yeah.

SPEAKER_06

If anything, there's one that still pays you 0.25%, which is another great company that I work with.

SPEAKER_01

Gotcha.

SPEAKER_06

But you're not losing, so it's like it's very low risk.

SPEAKER_03

So we got the finances, then we come with the health. Is there anything else that you could probably like I should bring or like no? Or maybe what kind of questions you would ask if that you would need from me? Like, I guess the goal would be necessary.

SPEAKER_06

So your goals, yeah. I want your short-term goals and your long-term goals.

SPEAKER_01

I want to be a caller.

SPEAKER_06

So I'll I'll bring it with permission of my friend Erica. Like, she asked me once when we were structuring hers. Hey, if I have a child and at the age of six, I want to put them in private school. Structure it where I can start pulling out their uh yearly tuition out of this policy. So she's already thinking uh way ahead.

SPEAKER_03

Yeah, that's crazy.

SPEAKER_06

So that's someone that has vision, is smart, and takes action.

SPEAKER_03

What about someone that hypothetically could get married in the next two or three years? Exactly.

SPEAKER_06

So I want you to sleep on it, use your your higher faculty, imagination, creativity, and you and next time you have these all down for me. It's gonna make the process more streamlined.

SPEAKER_03

Yeah, that would be uh interesting because I would love for um the community to see how it actually um happens. And there's reasons for that. One because I want us, I want them to have and see transparency, right? What what is it like to get embedded with you in the sense of how is it like to be with an agent? What is the process like? What kind of question is you asking? Yeah, to see if you actually about what you're talking about, to see if you actually practice what you preach, yes, you know, and then so people can at least get more comfortable. And then maybe of the was that they had when it comes to this topic, maybe they go down or maybe they go higher. But regardless, it's I feel like it's something that uh the more it's out there, the more transparent it is, the healthier it is for everybody. Yeah, does that make sense?

SPEAKER_05

Yes, sir.

SPEAKER_03

You know what? This is a good topic. Um, now I definitely wish would have brought your computer or whatever because I wanted to see what's up with me. Because at one point in life I had life insurance, but I was paying like 20 bucks for like several thousand dollars.

SPEAKER_06

Is that but you know what? It's better to have something than nothing. So even at that time, if that's what you had, thank God you had it. Because if something were to have happened to you, at least it would have cost, I mean, covered funeral costs.

SPEAKER_03

Yeah, yo, even dying is expensive, exactly.

SPEAKER_06

Yeah, you know, birth is expensive and death is expensive. Yeah, everything's expensive, but that doesn't mean you gotta stop living, you just have to be the word is responsible right for your life.

SPEAKER_03

Yeah, I think that's an important topic. I think that's a very important topic. Uh, by the way, maybe side question, but like, how expensive is birth? Pretty expensive. Did you have insurance within that process? I don't know. That's what I'm asking.

SPEAKER_06

I did.

SPEAKER_03

So that helped a lot.

SPEAKER_06

Yeah.

SPEAKER_03

Did the insurance actually help?

SPEAKER_06

It depends because the natural I had two natural births, so they're a lot cheaper than a C-section.

SPEAKER_03

Oh.

SPEAKER_06

Natural, not me, meaning like I had them at home, which if my third time if I have one in the third in the 2000 years ago, I would do, I would contemplate having it at home birth.

SPEAKER_03

Would you?

SPEAKER_06

Absolutely.

SPEAKER_03

Are the people I don't know if this is nurses or professionals? Yeah, but are like nurses or professionals? Like they get you like they get you in a little pool. Yeah. Oh, it's not a pool, it's a doula.

SPEAKER_06

Well, the doula, the doula is the professional, the lady. What I think that was like a little kiddie pool that you put. It sounds like the reference to the pool. Right, that's what I was thinking.

SPEAKER_03

Yeah, doula, adula a blancata or something. Uh the doula is the person that comes. It's a professional.

SPEAKER_06

It's she's like a holistic nurse practitioner that helps through the process and make sure that you have less of a clinical medical intervention and more of a natural experience.

SPEAKER_03

What's the point of being in the water? Is that for mess purposes? Do you know?

SPEAKER_06

I don't think it's for mess purposes.

SPEAKER_03

I think it's if you hear somebody laughing in the background, it's Erica, by the way.

SPEAKER_06

I don't know 100%, but I'm kinda I don't know if it's a trend either, but I think it would be a cool experience to be in the water giving birth.

Building An Agency And Team Culture

SPEAKER_03

That is actually very interesting. That is what made you get to that point. Because you had two natural, yeah, you said right?

SPEAKER_06

But hospital, yeah.

SPEAKER_03

But not natural, natural, like the way it could be.

SPEAKER_06

Yeah. In the wilderness.

SPEAKER_04

What if what if your husband faints?

SPEAKER_06

Oh, it happened.

SPEAKER_04

And then now you were here in the in the doodle. Imagine you and the doodla grabbing to the pool. You see the husband faint.

SPEAKER_06

Well, guess what?

SPEAKER_04

That was great. That was great.

SPEAKER_06

We're protected.

SPEAKER_04

You know, I just threw you an alley oop and you dumped it. That's awesome. Not many people can do that. That's a talent.

SPEAKER_06

Yeah.

SPEAKER_04

That's good. Yeah, because I was wondering like, does the doula take care of you or the finger?

SPEAKER_06

I forbid any of that happens, but you know what? I feel you know, at ease knowing that I got life insurance. Yeah. And he's got life insurance.

SPEAKER_03

Yeah. Plus, I mean for your kids, because you're right, you already have kids, you know. And then if you have more.

SPEAKER_06

And that's generational wealth that you leave. Check this out. A scenario, a client, a potential client, we're working with them, but 55 million, no, 55 million in assets. Wow. Right? Kids are gonna inherit this. Kids say, don't want anything to do with this, Daddy. Why? Because they gotta pay inheritance tax. And depending on who's in office, blue side, red side, tax brackets fluctuate. It changes. Yeah. So these insurance policies, IUL's cash value accounts, you can structure them and put them in a trust to where when you pass away, inheritance tax is already paid for, and you leave your family setup.

SPEAKER_03

So you would use the insurance money to pay the taxes?

SPEAKER_06

Yep, insurance, um, the inheritance tax.

SPEAKER_03

Yo, that's actually pretty, pretty dope. But see, this is why you're here.

SPEAKER_06

That yeah, and not a lot of people know about this.

SPEAKER_03

I wouldn't know about that.

SPEAKER_06

Yeah.

SPEAKER_03

Um maybe because that's millionaire stuff right now. Also we're gonna get there.

SPEAKER_06

Yeah, it's like remember I told you you have a um a season of creation, then you got a season of protection, and then your exit strategy. This is part of the protection exit strategy.

SPEAKER_03

Okay, so you would use the insurance money to avo not to avoid, but essentially to use that money and you avoid probate too. What is that?

SPEAKER_06

Probate when if you don't have will or trust in play or set up correctly, then your kids are left with having to deal with all that mess. And that's another form of being irresponsible.

SPEAKER_03

With health insurance, does uh probate come into play?

SPEAKER_06

Health, no.

SPEAKER_03

Oh I'm not health insurance, I'm sorry, life insurance.

SPEAKER_06

I'm over here thinking if it's put in a trust like you as the beneficiary, yeah, like you avoid probate with that.

SPEAKER_03

Um because I wonder if you have. Leave it in the will, like your life insurance. Like, say, hey, whenever I die, my life insurance is not a good idea.

SPEAKER_06

Those are the instructions, but you need to make it legal.

SPEAKER_03

So you need a lawyer for that.

SPEAKER_06

Yes, a lawyer will have to take care of that. That's why we work. I know these things because I work with lawyers.

SPEAKER_03

With lawyers, yeah, you and hand in hand with that.

SPEAKER_06

And now we have a new partner, he's a tax attorney. So let's say we have we have another client who owes owes the IRS five mil. He could avoid it all of that if he had these tools in place.

SPEAKER_03

How so? How do you avoid it?

SPEAKER_06

Because he he would be you create key-man policies.

SPEAKER_03

And what are those?

SPEAKER_06

We're talking about those are that's a different you're you're talking about higher profile people now.

SPEAKER_03

Oh, this is where you get mixy with it.

SPEAKER_06

Not messy, but yeah. Once you start creating once you you have some net worth, you have to protect, remember, and you have to have a team. Your CPA has to be in communication with your insurance person, your insurance person with your tax attorney. Right. Like we're a team now for you. We're fiduciaries for you.

SPEAKER_03

You're gonna be my fiduciary. I'm gonna save you your name under Sir Paola. Yeah, can we put on in the title?

SPEAKER_00

The fiduciary girl.

SPEAKER_03

That's so cool. Um, I want to thank you for actually sharing.

SPEAKER_06

But those are cool conversations. There's I think it's so interesting, especially if you know that you want to, you know, before the end of your life, you know, you have one life, you want to create it and make it that complex. Yeah, you have to have complex systems in place.

SPEAKER_03

Yeah. To protect you well one-on-one.

SPEAKER_06

No, I'm gonna reword that again. It's not complex. You have to have the right tools set up correctly.

SPEAKER_03

That's fair. Fair enough. Appreciate that. Um, no, these are interesting conversations because not only does it help me understand a little bit better, but I think the biggest part out of all of this that I get is the fact that you actually want to accommodate to people and their needs. It's not just a selling point or like you're selling to people. You actually care about them. You know, it's it's it's their livelihood and it's their future as well. So that's important. Is there anything else that uh you want to share uh at the moment that you feel like will be important for people?

Annual Reviews And Life Changes

SPEAKER_06

Well, Jamie, el Viejito that came to my house, he changed my life, and it's a form of me paying it forward, especially for my Hispanic community. That's nice. For my Hispanic community, because I couldn't learn this from my mom and dad or relatives, they're not about that life, you know. So some now have seen the light, but you know, where else would I have gotten set up correctly? Right. If it wasn't for Jamie that I hit up from Synergy Insurance. That that's that's by the way, he's already gone to dang.

SPEAKER_03

But I hope he had life insurance.

SPEAKER_06

Oh, yeah, he did. Awesome. Trust me, you gotta be a product of your product.

SPEAKER_03

Yeah, ooh, go ahead, sister preach. Talk to him.

SPEAKER_06

Yeah, if not, then what are we doing?

SPEAKER_03

Yeah, so you feel like you owe that to Jamie to help others like he helped you.

SPEAKER_06

Yes, yes.

SPEAKER_03

But to me, more that sounds like more even like a purpose.

SPEAKER_06

Because even you know what, during the pandemic, oh that's let's go back to my story.

SPEAKER_04

Let's go back during the pandemic.

SPEAKER_06

I closed my salon in Suwani and built out a little room in the house. But then again, you know, living with parents are like, no one can come in this house, COVID, blah blah blah. So I was like, okay, I need to still make money. Like I couldn't use my magical hands. So the light bulb turned on. I said, okay, hold on. I have a policy that I know is creating money with interest. So I hit up National Life. They're like, oh yeah, you have$10,000. Um, and I was like, okay, well, this is the time I need it. It's during the pandemic, I'm not making any money. And boom, I was like, wow, Jamie, thank you, Jamie.

unknown

Thank you.

SPEAKER_03

That's awesome.

SPEAKER_06

You know, yeah, but I let that sit and grow. You know, you also have to be um patient because this is not what is the um this is a long game. The tortoise and the hair, you know, the tortoise consistency over time, even though it's slow, gets the finish line versus like fast, fast, fast.

SPEAKER_03

Interest rates, that's what interest rate does. Exactly. Compound interesting. Compound interest is talk to them.

SPEAKER_06

Um so then I was like, okay, if I have 250 active hair clients, but I cannot serve them, what can I do?

SPEAKER_03

Dang, you had 250 clients?

SPEAKER_06

Yeah. Between between regulars that come once a week or girls that come once a year, or every six, like in total, 250. Wow. But I can no longer serve them because we're in a pandemic, everybody's in their house. So I said, Paola, you're gonna study to get your license. So studied 30 days, went to take my test, passed it with the 90. And I got the same. Okay, make sure you got an A. That's nice. Yeah.

SPEAKER_03

I was gonna ask you how was the process of taking the exam?

SPEAKER_06

But my recommendation is this this next day once you're done taking your pre-license training, go and do it. So the information is still fresh in your brain. Don't forget it. And another thing is um don't be nervous because when you get nervous, it blocks everything.

SPEAKER_03

Yeah, no, I've I've been there with school exams, and it's crazy. It's crazy how emotions can play an effect into blocking memories and things from your mind, especially things that you just learned recently. Wow, I was struggling to say learn. That's wild. Man, that's um that's so interesting. So, so now because of the pandemic, essentially you became a life insurance and you're still doing hair at the time, uh, at the moment, you're doing hair and life insurance?

SPEAKER_06

So, yeah, so basically, I can't just like completely cut the cord with hair because since it's 17 years, yeah, you're good. I've already done like I'm into the kids of those women and now they're grandkids, so it's like generational hairdresser.

SPEAKER_04

You're a judgmental that's what that says, generational, and then weddings.

SPEAKER_06

I got hit up for a quinceangera that I did. I've been in their family for 16 years. Like I've been doing the weddings and all their events, and now I remember when that little girl was born. She's she's a week apart from Jade.

SPEAKER_02

Wow.

Philosophy, Purpose, And Closing

SPEAKER_06

And her mom hit me up, like, oh, we're gonna have her kincea, and all the theas are flying from New York. So I like to serve and connect and use my hands. So I can't 100% disconnect, but now I'm learning how to delegate. And ideally, it would be creating a salon dream team and me just choose and pick the ones I want to serve and focus more on this side of uh life insurance and stuff.

SPEAKER_03

Yeah, yeah. You seem to be passionate about that.

SPEAKER_06

I'm passionate about both. Why? Because both have shaped me and helped me.

SPEAKER_03

And so who you are now. Yeah, that's beautiful. You know, you seem to be very passionate about life and things like this. This is this is awesome. It's as if almost you were a student of the game, like you really have learned. That's pretty cool. So you have an agency eventually. Well, you this is your agency.

SPEAKER_06

You already became I opened up the LLC, the agency this year. Oh 2025.

SPEAKER_03

Was there anything specific that you needed to do to open an NJC or you just wanted to?

SPEAKER_06

Yeah, you gotta go apply for it with the state. Are you talking about the process?

SPEAKER_03

Yeah, like like how did you be how did you how can someone open a uh life insurance agency?

SPEAKER_06

So with the broker that we're I'm currently working with, you have to meet certain numbers as well. Numbers of what? Sales.

SPEAKER_03

Oh, so they have to see that you're a producer.

SPEAKER_06

Yeah, you have to be a producer and active producer. And the mentor I have is in Charlotte. So now um it's kind of like an extension of her, but here in Georgia. Yeah. But now it's with my name, with my logo, my name, my agency. But but it's your own thing. Yes, but it has to go through the state approval and all the whole process.

SPEAKER_03

And before you were just an agent of it.

SPEAKER_06

And then I get contracted with different carriers, different life insurance companies.

SPEAKER_03

So do you reach out to them so they and be like, hey, uh, this is what I'm doing?

SPEAKER_06

Yes.

SPEAKER_03

Can you share your I don't know?

SPEAKER_06

Then you become an FMO, like uh? There's there's different terms in the insurance world, uh-huh. But that that's just a we'll go step by step. Uh-huh. Yeah. And now it's having a team. So that's what you're building now. Yes.

SPEAKER_03

How how big would you like to be?

SPEAKER_06

So I'll be like an in like a agency manager.

SPEAKER_03

Right. How how big would you like your team to be?

SPEAKER_06

I don't want to say too big. I believe more in quality versus quantity. Like I want top producers, like focus on key people, develop them correctly, and then allow them to grow themselves and their teams.

SPEAKER_01

Right.

SPEAKER_06

But I think for right now, I want to get this right because I'm just starting. I'm like a little baby. I was just born.

SPEAKER_03

It's funny because we were talking about what, luppas or something?

SPEAKER_06

The what? Oh doula.

SPEAKER_03

I was gonna say poop.

SPEAKER_06

Do you in the agency world? I'm a little baby.

SPEAKER_03

I'm just gonna be able to do the doula was there to watch you be born in the pool.

SPEAKER_06

Yeah, so I know it's gonna take a couple years, but that's what I'm saying. The key the agents that I wanna attract to my team, I want them to be like eight players, same values, fiduciaries.

SPEAKER_03

Oh, that's important. Have values, you gotta have you know, integrity in there, and you gotta you gotta make sure that like your your mind is in the right place. That's that's important.

SPEAKER_06

Wow, you gotta be coachable, you gotta be humble, teachable is good, yeah. And just serving, like let's say if you look out for the interests of the person and maintain, I think the key would be maintaining relationships with your clients. And when you grow too fast, I don't think it then becomes transactional. I don't think it's intimate, right?

SPEAKER_03

And not very much intentional, like you were talking about.

SPEAKER_06

Yeah, so I still want to create that company culture where we're gonna send out handwritten thank you notes to the clients because we still have time for that, you know. Right. If we grow too fast, there's no time for that. And I think that's what makes a difference too. Christmas cards, Christmas cards, take them out to lunch, you know, dinner. Like it's nurturing those relationships.

SPEAKER_03

Yeah, I think that's a good way to break down any walls that people may or may not have, you know what I mean?

SPEAKER_06

With insurance, and making sure we do your annual reviews for your policies because people can go through a divorce, can add, you know, pregnancy. So that's why it's important to do your annual reviews.

SPEAKER_03

Yeah, yeah. All right, well, that's uh that's cool. Um, is there anything else that you would want to share when it comes to uh first of all the the life insurance world? Or I will if is there any words of wisdom that you have for people to listen today? Maybe that you have learned, maybe that you live by today, something that will motivate people or encourage people. You have you seem to have a lot of wisdom and I would love to see what you have to say for for others.

SPEAKER_06

Well, the last thing I would like to add is just if my philosophy is like to leave people, places, and things better than I find them, um, do it for yourself. Leave yourself better than you find yourself. You were born without life insurance, maybe you know, die with some and leave your family better than you formed or better than you left them, or created them, you know.

SPEAKER_03

I think that's a fair statement. Yeah, leave a world better than you found it. Yeah, we're gonna end with that.

SPEAKER_06

Is it's generational wealth at the end of the day. I think it's too like all the hard work you put in, right? Through all those years. Yeah, don't let it be for nothing. Do you have a website for so I can't because remember, I was just started, yeah. I was just born so you haven't walked yet. I haven't crawled yet. I'm still breastfeeding. I am, but that doesn't mean I can't help you and that I don't know what I'm doing.

SPEAKER_03

Well, this is what we do. We're gonna leave um pals um Instagram on there if you're okay with that, and your information, maybe your email or something like that, that people can reach out, you know what I mean? And if by any chance I hear from anybody that wants to get any type of insurance, you know, um, do you set up any calls like uh at all, like um consultation calls at the beginning? Like a discovery call? Yeah, discovery call. That's a good one. Yeah, you do that. Yeah, all right.

SPEAKER_06

So then I'll like a 30-minute free discovery call.

SPEAKER_03

Discovery call, right? Yeah, so I will let people know and inform them of of of all of that. Okay, that's cool.

SPEAKER_06

You're awesome.

SPEAKER_03

Awesome, pal. Well, thank you for coming in and educating us a little bit about the actually a lot of bit about the like. It's a little informal, but you know, I think, but you know what though, I think that's what creates the best conversations because it's does it it comes here with I have some notes, but you know, I didn't even use them. You know what though? I'm telling you, it's because um I believe that when you have just a natural conversation, just as if we the camera was not here or the audio was not here, people can see that. You know, people can see when you're trying to pretend something you're not. But the fact that you know you were actually, you know, you're original, you come from and it seems like you know, this is a purpose for you, it makes people open up a little bit more. And that's what I felt today. So hopefully the people that are watching or the people that are listening felt the same thing that I did today. So I want to thank you for coming on, and hopefully I can have you here again.

SPEAKER_00

Of course. We're gonna run it back. Oh, because we're gonna frijoles, I forgot.

SPEAKER_06

And if you ever want to do the uh the case study live, maybe your um I think that would I think that would be a great um I can do that opportunity.

SPEAKER_03

I'll just name it live case study.

SPEAKER_06

Live case study.

SPEAKER_03

Yeah, Carlos Granado's live case study policy, yeah, and see how, and then we talk about prices and stuff, and then the and also we can be really transparent with the cost of insurance. Yeah, no, I would love to.

SPEAKER_06

Because you know, at the end of the day, it's a business, the companies have to make money, correct? You know, and that's something that sometimes the mindset is there of like, oh no, that's when people say it's a scam, it's so expensive. But you know what? You have to also sacrifice and invest to get bigger gains, you know?

SPEAKER_03

That's an important point.

SPEAKER_06

So, but like anything in life, you can have you know your business. You you're not you're in the business to also make money, right? So you're not a nonprofit. Money makes money, money makes money. Well, thank you outweighing the risks. Yeah.

SPEAKER_03

Well, thank you so much for coming on uh the Carlos Granados podcast. Thank you for watching. Um, thank you for watching, thank you for being here, ladies and gentlemen. Thank you guys, thank you guys for watching, and thank you guys for listening. Don't forget that you can watch this video in 4K and then you can listen to uh the the podcast and all the audio platforms that you essentially can think of. Um thank you guys for loving, for supporting, and you know, take care of yourself, take care of each other. There is a Georgia crazy weather's coming on at the time of this episode apparently this weekend. So I'm gonna catch you up on that. And I might do a little solo dolo episode. I don't know yet. We'll we're gonna decide in the future because uh there's more people that want to come on the podcast, and I hope to bring more quality content just like.

SPEAKER_06

Don't go outside if you don't have life insurance.

SPEAKER_03

Yo, you actually like I'm laying it up for you, and you're dunking like LeBron. You may not get that reference, but that's beautiful. You're you know what you're doing. See, that's why you you may you may need to trust her. So, thank you guys for watching, and see you guys on the next episode of the Carlos Granados Podcast. Take care of yourself, take care of each other, and as always, peace and love, family. Adios. Thank you, Paul.