- Before I start, I wanna just say that I want you to know
that you have a lot of choices for your insurance, right?
I'm not special, there's probably hundreds,
there might be thousands of agents
that could come out here today
that represent all the companies that I represent,
that have similar training to my training,
that can help you with your insurance.
So, not to make myself, belittle myself,
but I'm not special in that regard, okay?
There's a lot of people that can take care of you.
What I wanna do is I wanna tell why I wanna work with you,
and why I hope you wanna work with me.
So, I wanna tell you who I am, and if you like me,
if you feel comfortable with me, you know,
our personalities match.
If you feel comfortable with my experience,
you feel like you can trust me,
then I would like to be your insurance agent
for the rest of your life, okay?
So, that's kind of a tall order.
I'm not out here to sell you one policy,
to be out the door,
and be like all the other guys
that come and go in your life.
If you like me, and you trust me,
I wanna work with you for the rest of your life.
How does that sound?
Okay, most people are like, what?
Nobody ever says that, I asked you to talk about Humana.
I'm not talking about Humana,
I know you asked me to talk about Humana,
and I brought Humana.
But I don't want you to think of me as your Humana agent
because Humana's a good company,
but so is United Healthcare, and so's Blue,
and so's Cigna, and Aetna, and Mutual of Omaha,
and Gerber, and on and on and on.
I actually represent however many companies you represent.
So, I represent 150 companies,
you might represent 50, or five, or 10.
But I don't want you to think of me as that lady
because no matter what I sell you today,
and we're gonna come to a mutual agreement.
What I recommend, what you feel comfortable with,
that's what you're gonna buy today, hopefully.
I don't want you to think of me as that lady
because it's gonna change.
No matter how great the policy is today,
they have the best rating, they have the best return,
they have the best reputation, whatever.
It's not gonna stay that way,
and there's gonna be problems, and you're gonna be mad.
You're gonna be mad about the rate increases,
the doctor goes out of the network.
You're gonna be mad about their claims aren't paid
or they're paying slow,
or God know what's gonna happen, guaranteed.
So, I'm guaranteeing you,
no matter what you buy from me today,
you're gonna be mad at some point in the future.
Pretty weird proposition, right?
I'm not selling you rainbows, I'm not here to tell you,
I'm the best agent, I'm the only agent that can do this.
I'm not here to tell you that you're gonna just love
whatever I sell you
and we're gonna have a great relationship.
Pretty much, I'm telling you the opposite of that, right?
I'm one of many people that can do this
and there's gonna be problems
because I want you to have a very realistic expectation
of what's gonna go on here.
I'm not the insurance company, I don't write the policy,
I don't control their rates, their rate increases,
their claims administration, none of that.
I'm an agent for a variety of them.
Now, I'm independent, and there's a special value in that,
if you understand what an independent agent is.
So, if somebody comes out of here from Florida Blue,
they can only sell you Florida Blue.
It's a good product, it's a good company,
but if they can only sell you that,
that means that's the best plan for you, right?
That's all they can sell.
Any captive carrier, they come out here with,
from Humana, and they can only sell you Humana,
they have to make a square peg sometimes fit in a round hole
because that's all they have.
So, I'm an independent agent,
I represent, basically, who I wanna represent.
So, I said I represent, you know, I named off five carriers.
So, what I wanna do is I don't wanna sell a product,
I'm not here to say why this product's great.
I wanna talk to you about your lifestyle.
So, how do you doctor?
Are you one of those average guys, that's a man,
you get your annual physical once every 10 years?
(men laughing)
'Cause the guys will laugh because that's true.
Are you a woman, and every time you see something,
you're like, I gotta get this checked out,
'cause that's how we do.
Do you travel a lot?
Are your kids all over the country
and you spend part of your time up in Illinois,
you spend part of your time in New York,
and you got a daughter in Colorado.
Are all your kids here?
How do you doctor, do you have a lot of specialists?
There's a lot of things I wanna talk to you about,
number one being your budget, you know?
What can you afford?
'Cause everybody would like to drive a Lexus to work,
but we can all get to work in a Ford.
I get to work nicely in a Ford,
doesn't necessarily have leather seats, and heated seats,
and power windows, but it'll get you there.
So, we're gonna talk about your budget,
which one of these products
you're most comfortable paying for every month
for the rest of your life.