April 8, 2025 • 44 mins
Ask the Expert with Final Expense Planner Willie Jacobs of The Jacobs Final Expense Agency on The Bev Johnson Show on WDIA Radio.
Mark as Played
Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:06):
That doesn't show bell chomping time with this talking and
home away.
Speaker 2 (00:14):
How you go?
Speaker 1 (00:16):
You go? Son't getting ready to go? It's time just
show bell show. Let's go bell, doesn't we you'll make
your ody by here wrong d listen to what to say?
Speaker 3 (00:38):
You know it's time of the belt of show, tap
of the belt of.
Speaker 1 (00:43):
Show, like let's go.
Speaker 2 (00:56):
Good afternoon and welcome back to w D I a Rev.
Johnson Show.
Speaker 3 (01:01):
I'm bev. It is Tuesday, twenty twenty five.
Speaker 2 (01:05):
Enjoyed this bad billaus day to day as we get
ready to talk, our brother is back in thy house.
We'll talk with him in just a few minutes. I'll
tell you who it is. But let me tell you know,
the Rocking Chair special day to day. It is open today,
Yeah it is. Y'all want some lunch, y'all said, oh, good, good, good, Well,
(01:25):
the Rocking Chair is open at fifteen forty two of
Expressly where we rock with the best soul food round,
best entertainment in town. And usually you all they are
closed on Tuesdays, but today is a special day. They
got special guests coming in the Saints in town them
Kojik folks, so you know they like to eat. So
(01:48):
they say, hey, brother Ron, can you open up the
Rocking Chair for us today? Well, the Rocking Chair is
open not only for the Saints, but for y'all too.
So if you want some lunch and dinner, stop by
the rock Chair fifteen forty two el Vis Presley, get
you some soul food. Yeah, yeah, you know what I'm saying.
(02:08):
Say they love miss Anne's chittlings. Little miss Anne is
there with her chittlings and all the other stuff. So
going by the Rocking Chair today, din in or take out.
Let me give you the number so you may call them.
They'll have your meal waiting for you. Four two five
five two six four four two five five two six four.
(02:28):
It's the Rocking Chair of Memphis. It's open today. Usually
they're closed on Tuesdays, but they're open today and the
rest of the week for the Saints.
Speaker 3 (02:38):
Yeah. Yeah, we try, we try to do right by
the Saints. Yeah.
Speaker 2 (02:42):
So, uh, what's up? Bishop Brandon Porter, thank you for
telling the Saints. Come on over there to the Rocking Chair.
Dine in today or take out fifteen forty two Elvis Presley.
When you go there, don't y'all add nothing else to it?
Tell them Beb Johnson, since you don't add nothing else
to it, but Beb told me to come. That's all
you need to say to the rocking chair of Memphis
(03:05):
fifteen forty two, Elvis Presley, and we're back in thus
sat all, my Jackson State buddy is in the house.
Speaker 3 (03:20):
Mister Willie Jacobs of.
Speaker 2 (03:21):
The Jacob's Final Expense Agency. Good afternoon to you, Willie Jacobs.
How are you, my js you brother?
Speaker 4 (03:30):
Good afternoon, bab. How are you. I'm doing well today,
that's great, You're looking well well.
Speaker 3 (03:36):
I'm trying to hang on in here.
Speaker 4 (03:38):
Even though we are getting up there, but you're looking
way up here.
Speaker 3 (03:41):
You getting up there.
Speaker 4 (03:45):
So glad to see you again.
Speaker 3 (03:46):
So glad to see you, Willie. What's going on?
Speaker 4 (03:48):
Hey, it's all good in the neighborhood. The Lord is
really blessing us to be able to get up this
morning and be able to go out and help some
other families as we help ourselves on a daily basis.
Appreciate the opportunity to get to come to WDIA every
single month and we'll talk to families so we can
help them as well as help their families and the
(04:09):
loved ones.
Speaker 3 (04:10):
And I say so.
Speaker 2 (04:11):
Somebody asked me, says, well, you have mister Jacobs on
and other folks. I said yeah, because every time they
come on, it is a new person.
Speaker 3 (04:19):
Who is listening.
Speaker 2 (04:20):
They have not heard about the Jacobs Final Expense Agency.
There's somebody who out there, Willie, who is always getting
the good news.
Speaker 3 (04:29):
They you know, we every day we have.
Speaker 2 (04:31):
New listeners exactly from across the country and right here
around in the mid South Arkansas, Mississippi, Tennessee.
Speaker 4 (04:38):
And there's something you know in some of those individuals
be up that listen to us all the time, they
still don't hear everything that we have to tell them.
Speaker 3 (04:46):
That's right, So you know we'll mess up from stuff.
Speaker 4 (04:49):
We mess up from stuff you know. So well. My
name is Willie Jacobs. I'm the regional manager here at
the Jacob's Final Expense Agency at twenty eight seventy nine
South Mening Hall right here in the city of Memphis, Tennessee.
We want those of you who may need our coverage
for life insurance, very insurance or final expense insurance, please
(05:10):
give us a call at nine zero one to six
zero twenty thirty five. That's nine zero one to six
zero twenty thirty five. What we do, BEV. We offer
final expense for those loved ones who may have loved
ones who've passed away and they need that final expense
(05:31):
to take care of their expenses so that they won't
have anything to worry about. They won't leave anything for
their loved ones to take care of. Everything has already
been taken care of by making sure that you make
that purchase now and get your plans taken care of
through the Jacobs Final Expense Agency. So we do find
expense and sometimes our plans can cost as little as
(05:54):
fifteen dollars per month. Beb it's just a quarter what
the situation is. So you need to give us a
call at nine zero one to six zero twenty thirty five.
Speaker 2 (06:06):
One of the things that Willy and I'm glad you
mentioned that that your plans can start at fifteen dollars
a month for those because we know that some people
are on budget fits incomes. But one of the things
that Willy always says, y'all is that they are affordable.
Speaker 4 (06:26):
Exactly exactly and the reason why they affordable bailp because
we are the number one found We work for the
number one find expense company in the nation, okay. And
what we do. What they do is they make the
plans affordable for individuals who may have health issues, who
may have no issues at all, but some may have
(06:48):
health issues whereby they can't get insurance anywhere else, okay,
but they can get it from us. The only individuals
that we cannot help is individuals who are incarcerated, that's
in the hospital, bedridden okay, or have HIV AIDS okay,
or may be in a nursing home. Those individuals we
just cannot help right now. However, anybody else, you can
(07:12):
give us a call PUS who we have agents waiting
for you now at nine zero one to six zero
twenty thirty five and ask any questions that you want
to ask. You can set up appointments for them to
come by to talk to you at your home, or
you can talk to them over the phone. It's your choice, okay.
Nine zero one to six zero twenty thirty five.
Speaker 2 (07:33):
When you talk about the final expense plans and kind
of lay this out for them.
Speaker 3 (07:40):
So what we're talking.
Speaker 2 (07:41):
About, ladies and gentlemen, is those burial plans.
Speaker 3 (07:47):
Do you have a barrel plan?
Speaker 2 (07:50):
I'm just gonna asking y'all I mean, do you have
really a barrel plan?
Speaker 3 (07:55):
Who is going to bury you?
Speaker 4 (07:57):
Who's going to take care of that?
Speaker 3 (07:58):
Who is going to take care of all those final expenses?
Speaker 4 (08:02):
Exactly? And in a lot of times, Bab, what happens
is that people say, well, I got life insurance right, Well,
you know what we talk to most people, most people
that we sell already have life insurance in general. Okay,
but what you want to look at, beb is life
insurance is basically left for those to replace the income. Okay,
(08:22):
you have most of people have one hundred thousand, two
hundred and two fifty, some even a million dollars for coverage. Okay,
that's to replace the income that they bring in on
a monthly basis, or they're going to be bringing in
for a year at a time, you know. So they
have a plan to replace that life insurance. Now, can
you use that plan to bury yourself? Yes, you can. However,
(08:45):
the way things work now, the funeral home won't st
their money bail right away, okay. In nine times out
of ten, that insurance company is not going to pay
you right away. Okay, So you need a plan in
place where it deals directly with just the final expense
just to Burrier Plan okay, and that is us okay,
(09:08):
And you can basically get that covered and all everything
taken care of within twenty four hours after receiving a
death certificate. That funeral home can have you at that
check in their possession twenty four hours after receiving a
death certificate. So that's a difference that we provide services
that other companies, like an insurance company that has big
(09:31):
amounts does not. The other thing is beb We have
the planning portion, okay, whether where we can plan. You
can plan your funeral from day one, okay. You can
plan how you want the funeral, where you want it,
who you want to utilize you, what plots you want,
who you want to sing at your funeral. If you
(09:53):
are a part of an organization Aka's or anybody such
as that Masons even okay, where they have specially things
that they do at funerals, okay, they will. You can
write down all that information and when that time comes,
all of that will be done just for you. Okay.
(10:15):
All you have to do is call us at nine
zero one to six zero twenty thirty five, and we
are not This is the year Bell we talked about
it last month. We're not putting anything else. No procrastination anymore.
Don't just listen to us, guys, make sure you pick
the phone up and call us, call us so we
(10:35):
can go ahead and help you and your family and
your love was all your friends are neighbors. Okay, nine
zero one to six zero twenty thirty five.
Speaker 2 (10:45):
And when they call that number, there's an agent there,
so people will know, y'all, mister Jacobs isn't there but
his staff there.
Speaker 3 (10:56):
To answer any question that you may.
Speaker 4 (10:58):
Have, exactly questions you may have because a lot of
people just don't understand insurance bill. Okay, and there's nothing
wrong with that. But if you don't understand, only things
that you don't understand, just asks and it's not any
questions you ask. Is not a crazy or dumb question. Okay,
ask the questions so you can get an answer. Okay,
(11:18):
and we would be there, all the staff members be there.
These are certified agents here, bab. They just can't. You
just can't walk in the office say I want to
be an insurance agent. No, you have to be certified.
Speaker 3 (11:29):
So it does not work.
Speaker 4 (11:30):
It doesn't work. Back there. You got to get a license.
You got to study. You have to go through the
hard knocks in order to get this this license, okay,
So please make sure that you call us today at
nine zero one two six zero twenty thirty five, and also.
Speaker 2 (11:47):
Willly I want to talk when you talk about that
people who may have health issues, and you've said it
and somebody may have not heard. But the only people
that you cannot write up because usually people who have
health issues taking medications, okay, but some people you just
(12:08):
can't write up.
Speaker 4 (12:08):
We just can't write. But those individuals beb who've been
blessed to be able to just take medication and they
can still operate on a daily basis. Okay. Some companies
Bell will not cover those people, okay, but we will Okay.
The only ones we won't coverage the ones that I
mentioned to you, which is HIV a's bedridden, incarcerated or
(12:31):
in a facility of funeral I mean in a nursing homeless. Okay,
those are the ones that we can't. But anything else
such as cancer such as diabetes, such as heart problems,
such as kidney issues, COPD, all those things that we
can cover you. All you have to do is call us, okay,
(12:53):
and I promise you will one call away, the agents
will be on their jobs by helping you to solve
your issue. We will make it affordable to you, okay.
We will give you different plans in place that we
have in place. You choose those plans, okay. And then
once you choose those plans, let's make sure it works
(13:13):
within your budget, okay, to make sure that you are
covered at that time where you won't have to pass
the your family won't have to pass the hat. They
won't have to be cooking no fish, no chicken, washing
cars or whatever, or even going to what we call
that go fund me. Okay. Please, guys, don't put yourself
(13:35):
and your families in search a predicament. Make sure that
you give us a call today at nine zero one
two six zero twenty thirty five.
Speaker 2 (13:46):
If you've just tuned in this afternoon, we are talking
with mister Willie Jacobs of the Jacobs Jacob's Final Expense Agency,
talking about those burial plans. If you have a question
or two four mister Jacobs while he's in the studio
nine zero one five three five nine three four two
(14:07):
eight hundred five zero three nine three four two eight
three three five three five nine three four two. If
you can't get in and call, you can email me
your question at Bev Johnson at iHeartMedia dot com. Bev
(14:27):
Johnson at iHeartMedia dot com. We'll get your questions to
mister Jacobs, but don't forget to call his office right now.
His agents are standing by waiting for you. Nine zero
one two six zero twenty thirty five. Nine zero one
two six zero two zero thirty five will get you
(14:51):
into the Jacobs Final Expense Agency. You're listening to the
Bev Johnson Show on w d i A.
Speaker 1 (15:01):
The Bev Johnson Show.
Speaker 5 (15:16):
Ladies and gentlemen, you're listening to the Queen of Talk,
Bev Johnson on w d i A.
Speaker 3 (16:06):
You're listening to the Bev Johnson Show.
Speaker 5 (16:09):
Here's Bev Johnson.
Speaker 2 (16:11):
And I'm talking with mister Willie Jacobs of the Jacobs
Final Expense Agency. Willie, we're going to our phone lines
and talk to dal Hi Dale.
Speaker 6 (16:19):
Thank you for waiting, Hello.
Speaker 7 (16:22):
Hello, thank you, thank you for taking my call. I
greatly appreciate it. You will have a couple of questions
about the final expense, Okay. I have a couple of
family members. One is in there in their late sixties,
and another one is in age forty five, and we
had lost another family member earlier this day and nana insured.
(16:47):
Is there way of getting someone in short? And I've
talked to them, spoke to him about this before. But
my understandings of you do you need their social Security numbers? Say?
If I want to take insurance out on their behalf
for their found expenses, can that be done? How would
I do that?
Speaker 4 (17:07):
Okay, how you doing, Dell darn Weller, you sir, great, great,
sorry to hear about your loss. However, dal we yes,
you can take coverage out on them with their permission,
if you if you have their permission to take coverage
out on them, you can because there is ensurable interest
there such as yourself. Okay, yes, you can do that.
(17:28):
But all we need is there permission and we'll talk
to you, have someone to talk to you and and
them at the same time and go ahead and take
care for you.
Speaker 7 (17:38):
So I would need to get them on the phone
at the same time and grant permission.
Speaker 4 (17:42):
Yes, yeah, take it exactly, because once you write them up,
then once we'll have home office on the line with
you one, we're taking care of that business. And the
home office is going to ask them, do they give
you permission to take this this this policy out on them?
Speaker 7 (17:59):
Okay, thank you very much, appreciate that.
Speaker 4 (18:02):
No problem. Just give us a call deal at now
zero one two six zero twenty thirty five.
Speaker 7 (18:08):
You got the number down, Yes, ma'am, I have a
nine zero one two six zero two zero three five.
Thank you so much for taking my call.
Speaker 3 (18:17):
You are so welcome. Thank you for listening. Bye bye.
Speaker 2 (18:21):
All right, Willie, I have an email for you and
says good afternoon, Miss Johnson and mister Jacobs. My mother
is in a nursing home and she's eighty four years old.
How can I have coverage for her? She has dementia
and is not able to sign off on any insurance policy.
Speaker 3 (18:42):
Thank you.
Speaker 4 (18:44):
Okay, what we can do if your mother is out
the hospital unless she comes from the hospital. She's aged
eighty four, she only has one more year before she's
eligible to get coverage from US, okay. Eighty five is
the is the limit for us? Okay. However, if she
gets out of the hospital, we can ensure her okay,
(19:07):
but she cannot We cannot write her up in the hospital.
Speaker 3 (19:10):
Okay, because she's in the nursing home. So you can't.
So you can't write her up in the nursing No.
Speaker 4 (19:15):
She has to be at home and she cannot be
bedridden there. Okay. Dementia is one thing, but bed ridden yes,
and in the in.
Speaker 3 (19:23):
The nursing hometion home.
Speaker 2 (19:24):
Okay, okay, So I hope miss Bell you'll heard that. Yes,
but but still get to be clear. We do invite
her to call your office so the agents can explain exactly.
Speaker 4 (19:36):
Just call the office and just give them all the
information pertinent information that you have, and they will be
able to help you in that numbers nine zero, one,
two six zero, twenty thirty five.
Speaker 3 (19:50):
Okay, okay.
Speaker 2 (19:51):
Willie Tony writes, Hi, mister Jacobs, I am interested in
purchasing and paying premiums for those family members birds that
can't won't prepare for themselves.
Speaker 3 (20:03):
If the policy is.
Speaker 2 (20:05):
Purchased before they are incarcerated in a facility, bid ridden,
or developed AIDS and they expire after one of those developments,
will the policy pay?
Speaker 3 (20:16):
Thank you, very good question, that was miss Tony.
Speaker 4 (20:21):
Miss Tony, Yes, miss Tony, if there's no foul play
on any of those plans, yes, that it will cover.
You can be the owner if they have permission if
you if they give you permission to take the policies out,
you can be the owner and the beneficiary since you
are paying for those policies. Okay, if you are, if
(20:43):
they are your relatives, okay, But nobody just off the
street and you just say, hey, I want to get a.
Speaker 3 (20:47):
Positive right were talking about you? Legs?
Speaker 4 (20:50):
No, no, none of that. But if you have ensurable
interest and you are a family member who have level
who's living that kind of life, they give you that
permission to get a plan out on them because they
know that they are not going to get one and
they don't want to leave you in a hum's way
whereby if something would happen, you have to be the
(21:12):
one to take care of all the fund expenses. And
they want to give you that permission, then they can
do so, and you can be that beneficiary and the
policy will pay. If it's no file play.
Speaker 2 (21:24):
Okay, let me ask this question, will it Because you're
saying that you can take out a policy on somebody,
a family member, yes, And you keep saying permission.
Speaker 3 (21:36):
Is that permission?
Speaker 2 (21:37):
Does that permission have to be verbal or can it
be written?
Speaker 3 (21:43):
Permission?
Speaker 4 (21:44):
Well, nine times out of ten is verbal because what
happens is once we take that plan out, we're going
to get that person on the phone with a home
office okay, and the home office is going to ask
the question do you give permission? Do you give this
person permission to take this play out?
Speaker 3 (22:02):
Okay?
Speaker 4 (22:03):
Yes, okay, And that way it's recorded, you got me.
Speaker 2 (22:07):
I got you, So that that's better because they hear
their voice the verbal instead of you can't take a
reading because anybody can sign somebody's name.
Speaker 3 (22:15):
There you go, gotcha?
Speaker 4 (22:16):
Yeah, yeah, So we try to make sure everything is
in place so it won't be any issues when that
time comes.
Speaker 2 (22:22):
Okay, Okay, We're going to our phone lines, will A
to talk to our listeners.
Speaker 3 (22:29):
W D I A HI.
Speaker 8 (22:30):
Caller, Hi BELLN have to know, and your guests willard.
Speaker 3 (22:36):
That afternoon Golden girl.
Speaker 9 (22:40):
Great.
Speaker 8 (22:41):
I just heard him speak about the owner should be
the owner of a policy and mister Jacobs, can you
speak on I know you know about the Gerber grow
up policies for all of the babies. Okay, So I
got one of my granddaughter and now she's at the
(23:01):
age she's an adult now, and I'm gonna notice about
I have an option and I gotta switch it over
to her and get her permission. And from what I'm
just hearing you say, if I'm the owner, why do
I have to turn the policy over to my granddaughter?
If I been paying a premium?
Speaker 4 (23:22):
Where the best thing for you?
Speaker 8 (23:23):
Can you speak on that? Is that just that company?
Or is that the way insurance policy works?
Speaker 4 (23:29):
You know that that's just probably that company. If you
see if you have a plan with us and your
your debate, if you had a plan on her from
birth and she's now at age at the age where
the policy is going to fall off, which normally our
age whether policy whether that falls off is age twenty five, Okay,
(23:52):
you know at age twenty five, what we would do
is tell you that this plan is about to drop
off your policy, and if you want to retain that coverage,
then you need to get her permission to do so. Okay,
But not when it comes to that policy that you
had already, and they're not talking about that policy. Probably
(24:12):
they're talking about if you want to carry on the policy,
carry on a policy, then you need to get her
permission to do so, because she's now yeah, now she's
an adult, right that makes sense?
Speaker 8 (24:26):
Oh yeah, I just never I got one on my
other grandson before, but I don't remember getting something in
the mail saying that I have to notify them and
switch it over. Yeah, so you know there's always been
that way with Gerber.
Speaker 4 (24:41):
Well, I don't know about gerberl. I'm just letting you
know about us. You know, if you get, if you
if you have if a person get a policy and
that's safe. For instance, he was three years old and
you got a plan on him, and he was on
your plan. He was on your plane as a rid
probably okay.
Speaker 9 (24:58):
Well, oh no, it's a baby.
Speaker 8 (25:00):
It was the baby grow up. They send them in
the mill.
Speaker 4 (25:02):
Okay, okay, I remember Gerber. I know Gerber plans. Yeah,
g E R or b e R Okay, yeah, I
know the Gerber plans. Yeah they can there. They have
plans where you write them up and you can keep
that policy up until that age twenty five. Yeah, but
when they get age twenty five, they still have you know,
they that policy is not yours anymore because you paid
(25:25):
for the positive. Now they're an adult. Now you have
to get permission. You know, that's the way I was working.
Now you have to get permission from them to say,
I want you to have a policy on me, because
that policy from the time you got it up until
then it is now it's now null void.
Speaker 8 (25:46):
Okay, as I really hate that. I wish I've known that.
That's just like all the money went down the drain.
Speaker 4 (25:54):
No, you should have had you should have had a
whole life policy. Look and see do you have a
whole life polity? If you do, you have cash in
the policy.
Speaker 8 (26:05):
I don't.
Speaker 9 (26:06):
I will look.
Speaker 8 (26:07):
But if she refused because she feel like a lot
of people don't understand insurance and they feel like you're
trying to get over on them or profit off of them,
you know, just ignorance, right.
Speaker 4 (26:18):
I tell you what you do. I tell you what
you do. Give me a call at the office at
now zero one two six zero twenty thirty five. Leave
your name with miss Felicia, okay, and tell her who
you are, and you talk to me over the radio
and I will call you back, and I will call
you back and we'll go over it in detail, and
I can tell you exactly what to do.
Speaker 8 (26:38):
Yeah, and you remember me, mister Jacob, Remember we used
to sell an insurance together for your callings and listeners
who don't know we used to work at Monumental Life
and other corps together when you first came on the radio.
Speaker 4 (26:51):
Oh really we have.
Speaker 8 (26:53):
Yeah, we have a short conversation about it, Okay, and
Monumental Life and American General those companies, ok.
Speaker 4 (26:59):
The American General. I work with America General. I know
I work for American General, but not Monumental.
Speaker 8 (27:05):
You remember, Okay.
Speaker 4 (27:07):
Yeah, but just give me you remind me. Okay, give
me a call and ask for Miss Felicia and she
will get the numbered in your name and everything to me. Okay,
and we'll and I'll call you back and we can
talk and I'll tell you exactly how to handle it.
Speaker 8 (27:21):
Okay, all right, thank you, miss, and thank you.
Speaker 3 (27:25):
Thank you, Golden girl. Have a good day.
Speaker 2 (27:26):
Say say bye bye bye bye Willie.
Speaker 3 (27:30):
Let's see here.
Speaker 8 (27:33):
That.
Speaker 2 (27:33):
Oh oh okay, Miss Tony send another email, she says,
mister Jacobs.
Speaker 3 (27:38):
One more question.
Speaker 2 (27:39):
Okay, does your company offer discounts if multiple policies are
purchased and maintained.
Speaker 4 (27:50):
No discounts, ma'am. I'm sorry. The company insurance companies don't
work like that. And if they tell you that they're
giving you a discount, I promise you about don't want
to do any business with them. Okay, the policies are
set in stone. Everything is based on your age and
your condition. Okay, that's that's it. That's when it comes
down to insurance policy.
Speaker 3 (28:11):
Your age and your conditions.
Speaker 4 (28:12):
Your age going on and what's going on with you.
You know, whether or not you are sick or you're
not sick. So that's how it's determined by how much
you pay on a monthly basis. No discounts regd w
you get one policy or whether you get ten policies.
It's no discounts. Okay. What we can tell you is
that you know you will get a great deal. Okay,
(28:36):
that's the only thing that we can tell you. But
we discounts is not a term that we are allowed
to be using for its discounts.
Speaker 2 (28:43):
Okay, right, no, so no, And it was a good questions.
But but and here's what we said earlier. Wially that
miss Tony, no discounts. But what mister Jacobs said earlier,
you are affordable.
Speaker 4 (28:58):
It's affordable. We'll definitely take care of you, Miss Tony.
We'll give you the best possible price for the situation. Okay,
that's that's what we can say.
Speaker 2 (29:09):
So, tell miss Tony to call I know she's emailing
us and good, that's good.
Speaker 3 (29:14):
But call over to the office.
Speaker 4 (29:15):
Yeah, just call over to the office and tell them
you want you want information, miss Tony. And that's nine
zero one two six zero twenty thirty five. That's nine
zero one two six zero twenty thirty five.
Speaker 2 (29:29):
Back to your phone lines, Willie w D I a
high caller.
Speaker 9 (29:35):
Hey, how you doing?
Speaker 3 (29:36):
Hey coming man?
Speaker 9 (29:40):
Yeah, I just wanted to make a come in on
the question that Golden girl was speaking you out about
about the old policies. And you may be carrying a
man a child so like with mine, and I'm pretty
sure it's probably the same way with the one she got,
Like mister Jakob was telling her, once that child becomes
(30:01):
a certain age, the age may may different with different companies. Well,
man was twenty six, So once my kids become of
twenty six, they would drop off of the initial policy
that I had with them all along with me. But
that child could take that same coverage, but they would
be responsible for themselves. Now you can't get a you know,
(30:22):
a policy like mister j was saying, with the approval
of that child. But it'll be a different policy, but
the one that she has already. That child can continue
that policy own, you know themselves. But otherwise they're going
to drop off once they reached that certain age that
their company you know, had set in place.
Speaker 3 (30:44):
Now say that again. Coming in, you're saying what now, okay,
say that again?
Speaker 9 (30:50):
Okay okay. So like she was saying she was carrying
a child, she was garing her grandchild. So as missus
J was saying, once the child becomes a certain age
in the company will tell you what age that is.
Like with my company, the age was twenty six, So
my kids became twenty six, they will fall off, but
they could take that same coverage and continue it on themselves.
(31:14):
Outside of that, you would have to give a policy,
a separate policy, a different policy with that child's approval,
and that would be a total that would be a
totally different policy. So yeah, the child can continue that
policy on that she initially had, but the child would
you know, be responsible for that. As far as the
company go, the child will be responsible for it. Otherwise,
(31:38):
the only way you can get a policy outside of
that is the child had to give approval. Otherwise childs
are gonna drop out when that when they reached that
certain age that the company said in place, Well.
Speaker 4 (31:48):
Our coming man hours doesn't work that way. What happens
is once that policy becomes when you get to age
twenty five. After age twenty five, then that policive is
null and void as far as h B you being
on that person's policy.
Speaker 9 (32:04):
Kay, you have right, that's what I'm saying.
Speaker 4 (32:06):
You have to get a total different policy which you
have to get permission from. If that's what you're saying,
then you correct. But that's what.
Speaker 9 (32:13):
Happened, That's what I'm saying, right, So that that that
that portion of the policy that like say, for instance,
my last child, h my baby girl. So once she
turned twenty six on the way I could have a
policy like you just said, you would have to give
me approval. Otherwise she was able to take that coverage
(32:33):
that was that we were combined together on and handed herself.
I couldn't be over there anymore. I got you so,
So so it's somewhat the same thing, a different policy
because she's no longer riding.
Speaker 4 (32:47):
With me, right, Well, will it's it's no, it's no,
it's no writing at all. Once you reach that twenty
sixty it's a totally different policy now after that age. Yeah,
you have to get enough, you have to get a
total epid policy, which with her permission, if you're going
to be the owner.
Speaker 9 (33:05):
Yeah that's right. Yeah, yeah, all right, so that's what
I want to come at on.
Speaker 3 (33:10):
Appreciate you man, all right, common man, Thank you, common man.
Good question. Let me ask this question, Willie.
Speaker 2 (33:18):
And when we're talking about the final expense, so people
call affordable, and when we keep saying affordable, you are
basing affordability on their income. And does it work like
that or do they the listeners call and say, missus Jacobs,
I can only pay twenty five dollars a month or
(33:41):
thirty So how does that? Do they tell you what
they can pay or you all have a system?
Speaker 3 (33:46):
Will say, well you'll have to pay.
Speaker 4 (33:48):
This, No, no, they tell us what's comfortable with them, bill, okay.
And then what we do we based on their affordability.
We go in and see what it is per thousand,
and we calculate it up and then we tell them
exactly how much they can get for that amount of money. Okay.
So yeah, it's based on what they actually they tell
(34:08):
us that they can afford you know, we have three
different plans, which is good, better, and best. They may
fall in a good category with that amount, they may
fall in a better category with that amount, or they
may fail in the best category. It's just according to
how what their age is and how much or it
will cost them at their age.
Speaker 3 (34:31):
Okay, so they need to look at that.
Speaker 4 (34:35):
They need to look at that, because it's very important.
Bell If in this day and time, you know it,
so much is happening each and every day. You know,
people don't realize that what burdens they leave on people,
on their loved ones when they are not prepared. You
think about it, bell is, if you had brothers and
(34:58):
sisters who were not ensured and something would happen to them,
and you didn't have a mother, you didn't have a father,
but yet they were of age and you were of
age the next closest to Ken, that's who they're looking
for to what to take care of the responsibility. Excuse me,
(35:18):
Some families takes care of that responsibility, and some families say,
I don't care. I'm not taking care of that. Okay,
you know you have some people just I don't care.
I've been paying my insurance for a year after year
after year, and he should have been paying his because
why he did everything else he wanted to do. Why
he didn't have any insurance. So I'm not going to
(35:39):
take up on myself to do Some families would do that,
but then you have other families, regardless of how bad
a person lives and how irresponsible they are, when that
day and that time comes, they feel somewhat obligated to
pay or to take care of that person's responsibility. You know,
(36:02):
it's that's bad for you to leave somebody making them
feel that they are obligated to take care of your
final expenses. Don't do that, guys, come please, don't don't
do your brother and your sister like it's already hard
enough out here for us to live on a day
by day day circumstances right by day by day. And
(36:23):
then here's something is drop to your lap for eight thousand,
for ten thousand, for twelve thousand dollars at one time
that you got to somehow come up with. You know,
sometimes it's hard for people to come up with their
light bill of one hundred and fifty two hundred dollars.
He's got that right now. How you feel that you're
gonna drop a five to ten thousand dollars bill in
my lap. Please, guys call us at nine zero one
(36:48):
two six zero twenty thirty five. Let us take care
of you and your responsibility. Be a man, be a
woman about your business and take care of today. Don't
have nobody else to take care of your business. You
take care of on you'all? Okay? Calls at nine zero
one two six zero twenty thirty five.
Speaker 3 (37:08):
W d I a high caller?
Speaker 6 (37:11):
Well, yes, yes, I want to ask mister Jacob's question
about I was here the people talking my kids, dropping
off policies, our purchase a politic for my daughter or
she's a baby, and I still got it. But it
was it wasn't a positive that she wasn't on my policy.
It's just an individual policy with her only on it
(37:33):
from from Globe Life Insurance. And I still got it.
And I was wondering that and I'm still paying on it.
I'm you know, it's just positive still effective or they
still taking my money and Teaser dropped off of this policy.
Speaker 4 (37:49):
Right? How old is she?
Speaker 3 (37:50):
How old is she's thirty?
Speaker 4 (37:52):
You could have got a policy. I mean, I don't
know whether you got a whole life policy. I can't tell.
I can't say a whole life policy is a policy life,
uh turn polity life.
Speaker 6 (38:03):
It's life and accidentally turance life.
Speaker 4 (38:06):
In accident insurance. Yeah. But see that's that's two different.
It could be life insurance and accidental both the right, right.
So it could be a whole life policy for life. Okay.
Speaker 8 (38:19):
Uh.
Speaker 4 (38:19):
Certain people have a term policy. It could go for
fifteen years, it could go for twenty five years, twenty years,
thirty years okay and then.
Speaker 6 (38:27):
But it's not term. It's like.
Speaker 4 (38:30):
If it's a whole life positive as long as you
pay for this is you know, it's it's a whole
life pouce for life.
Speaker 3 (38:36):
It's still good.
Speaker 9 (38:37):
Huh.
Speaker 4 (38:37):
Yeah, you know, as long as you take they taking
that money in your policy. But I'll tell you what
you do. You can you can call me and we
can look at it and make sure that you got
the right thing, you know. Uh, and at that time
out look and see what kind of found expense planing
you got.
Speaker 6 (38:53):
It's just a just a twenty policy.
Speaker 4 (38:57):
Oh for you or her?
Speaker 6 (38:59):
For she's only one on I just got a urban baby,
right and I still got it.
Speaker 4 (39:04):
Okay. Yeah, So if it's a twenty thousand dollars whole
life policy. You can just keep paying for it and
then you know, until something happens to it. But you
know the good thing about that, we have a twenty
year term, I mean twenty year plan. It's a twenty
pay and you pay for it for twenty years. And
after you pay for it for twenty years, you still
have a policy, but you don't have to pay for
(39:25):
no more insurance.
Speaker 6 (39:29):
Okay, Well, I give you a call and we can
wait the different guys. What's up with it?
Speaker 4 (39:33):
Okay, no problem? Nine zero one two six zero twenty
thirty five.
Speaker 6 (39:38):
Okay, all right, all right, thank you, y'all, have a
good day.
Speaker 3 (39:42):
Thank you, thank you for listening. Yeah.
Speaker 2 (39:44):
So as they call the office, will they your agents
will explain, and then if you're there, you explain everything
to them.
Speaker 3 (39:52):
Good questions, yeah, very good questions. Yeah.
Speaker 2 (39:55):
And once they get this final expense, will and when
we say final, all the things that they need, the
last or the relatives, whatever they need to know when
they're going to the funeral. This is the burial intrut,
so you all know that.
Speaker 4 (40:12):
Right, right, And when we talk about final expense, guys,
it's just merely a barrier insurance. Okay. And when we
talk about final expense, we talk about the final needs
of that person to be put away properly. Okay, the
final expenses to be put away, You got me, right now.
(40:33):
Some people will get enough coverage to do some other things.
A person might have left or a bill that maybe
had their name on it with them. Okay, So they
might get enough coverage to take care of that bill,
you got me. You know, So instead of them getting
(40:53):
a ten or twelve thousand dollars policies, they might get
a thirty thousand dollars policy and pay ten thousand dollars
for the fear when they have the balance to help
take care of those final needs that here she had together. Okay,
you got me. So those things anytime you talk about
final experience, this is what you're talking about. So, but
(41:13):
it's very important bill that people realize and understand the
significance of having your own coverage, you know, before you
pass away, and not lead that on anyone. If you
love your brother, if you love your sister, your mother,
your father, if you love your cousin, your grandmother, your grandfather,
(41:36):
whoever will take that burden upon themselves. If you love
them enough, then don't do them that way. Make sure
you call us today at nine zero one two six
zero twenty thirty five and we'll explain to you what
you have to do in order to get things in
order for yourself and for your family and for those
(41:59):
in the visions that you love. Okay, It's very important
that you think about these things before that time comes,
because once it happens and you have not put in
your you hadn't gotten everything in order, it's too late.
It's too late, and you don't want to leave that
burden on your family. Hey, guys, are we very very
We appreciate you so very much for listening to us
(42:21):
every single month. And it's a blessing for me to
be in the position that I'm in. You know, God
has blessed me and my family, those loved ones that
around me, the people that work with me, I appreciate
them as well, who had trusted me to be there
with them on a daily basis, you know, to help
them to become better individuals, okay, and to help families
(42:42):
belup every single day. I tell them everything. If you're
doing the best you can do every single day, that's
all you can do because all you can do, bel
it's all you can do. But all you can do
is enough. You got me. Hey, So this is Willie
Jacob with the Jacob's Fall Expense Agencies saying to you, Hey,
we're here to help you, your family and your love ones.
(43:06):
We'd love every last one of you and there's absolutely
nothing you can do about it, and we'll see you
at the top.
Speaker 3 (43:12):
And Willie, one more time, give out that number. Brother.
Speaker 4 (43:15):
The number is nine zero one two six zero twenty
thirty five. That's nine zero one to six zero twenty
thirty five.
Speaker 2 (43:25):
That's mister Willie Jacobs of the Jacob's Final Expense Agency.
Speaker 3 (43:33):
Good day to day.
Speaker 2 (43:34):
Thank you colers, thank you listeners for joining us this
day on the BEV Johnson Show.
Speaker 3 (43:41):
We do, we really do appreciate you.
Speaker 2 (43:45):
So until tomorrow, please be saved. Keep a cool head, y'all,
don't let anyone steal your joy until tomorrow on BEV
Johnson and y'all keep the faith.
Speaker 9 (44:03):
The views and opinions discussed on The BEV Johnson Show
are that of the hosts and callers and not those
of the staff and sponsors of w d I A
That doesn't show bell chomping time with this talking and
home away.
Speaker 2 (00:14):
How you go?
Speaker 1 (00:16):
You go? Son't getting ready to go? It's time just
show bell show. Let's go bell, doesn't we you'll make
your ody by here wrong d listen to what to say?
Speaker 3 (00:38):
You know it's time of the belt of show, tap
of the belt of.
Speaker 1 (00:43):
Show, like let's go.
Speaker 2 (00:56):
Good afternoon and welcome back to w D I a Rev.
Johnson Show.
Speaker 3 (01:01):
I'm bev. It is Tuesday, twenty twenty five.
Speaker 2 (01:05):
Enjoyed this bad billaus day to day as we get
ready to talk, our brother is back in thy house.
We'll talk with him in just a few minutes. I'll
tell you who it is. But let me tell you know,
the Rocking Chair special day to day. It is open today,
Yeah it is. Y'all want some lunch, y'all said, oh, good, good, good, Well,
(01:25):
the Rocking Chair is open at fifteen forty two of
Expressly where we rock with the best soul food round,
best entertainment in town. And usually you all they are
closed on Tuesdays, but today is a special day. They
got special guests coming in the Saints in town them
Kojik folks, so you know they like to eat. So
(01:48):
they say, hey, brother Ron, can you open up the
Rocking Chair for us today? Well, the Rocking Chair is
open not only for the Saints, but for y'all too.
So if you want some lunch and dinner, stop by
the rock Chair fifteen forty two el Vis Presley, get
you some soul food. Yeah, yeah, you know what I'm saying.
(02:08):
Say they love miss Anne's chittlings. Little miss Anne is
there with her chittlings and all the other stuff. So
going by the Rocking Chair today, din in or take out.
Let me give you the number so you may call them.
They'll have your meal waiting for you. Four two five
five two six four four two five five two six four.
(02:28):
It's the Rocking Chair of Memphis. It's open today. Usually
they're closed on Tuesdays, but they're open today and the
rest of the week for the Saints.
Speaker 3 (02:38):
Yeah. Yeah, we try, we try to do right by
the Saints. Yeah.
Speaker 2 (02:42):
So, uh, what's up? Bishop Brandon Porter, thank you for
telling the Saints. Come on over there to the Rocking Chair.
Dine in today or take out fifteen forty two Elvis Presley.
When you go there, don't y'all add nothing else to it?
Tell them Beb Johnson, since you don't add nothing else
to it, but Beb told me to come. That's all
you need to say to the rocking chair of Memphis
(03:05):
fifteen forty two, Elvis Presley, and we're back in thus
sat all, my Jackson State buddy is in the house.
Speaker 3 (03:20):
Mister Willie Jacobs of.
Speaker 2 (03:21):
The Jacob's Final Expense Agency. Good afternoon to you, Willie Jacobs.
How are you, my js you brother?
Speaker 4 (03:30):
Good afternoon, bab. How are you. I'm doing well today,
that's great, You're looking well well.
Speaker 3 (03:36):
I'm trying to hang on in here.
Speaker 4 (03:38):
Even though we are getting up there, but you're looking
way up here.
Speaker 3 (03:41):
You getting up there.
Speaker 4 (03:45):
So glad to see you again.
Speaker 3 (03:46):
So glad to see you, Willie. What's going on?
Speaker 4 (03:48):
Hey, it's all good in the neighborhood. The Lord is
really blessing us to be able to get up this
morning and be able to go out and help some
other families as we help ourselves on a daily basis.
Appreciate the opportunity to get to come to WDIA every
single month and we'll talk to families so we can
help them as well as help their families and the
(04:09):
loved ones.
Speaker 3 (04:10):
And I say so.
Speaker 2 (04:11):
Somebody asked me, says, well, you have mister Jacobs on
and other folks. I said yeah, because every time they
come on, it is a new person.
Speaker 3 (04:19):
Who is listening.
Speaker 2 (04:20):
They have not heard about the Jacobs Final Expense Agency.
There's somebody who out there, Willie, who is always getting
the good news.
Speaker 3 (04:29):
They you know, we every day we have.
Speaker 2 (04:31):
New listeners exactly from across the country and right here
around in the mid South Arkansas, Mississippi, Tennessee.
Speaker 4 (04:38):
And there's something you know in some of those individuals
be up that listen to us all the time, they
still don't hear everything that we have to tell them.
Speaker 3 (04:46):
That's right, So you know we'll mess up from stuff.
Speaker 4 (04:49):
We mess up from stuff you know. So well. My
name is Willie Jacobs. I'm the regional manager here at
the Jacob's Final Expense Agency at twenty eight seventy nine
South Mening Hall right here in the city of Memphis, Tennessee.
We want those of you who may need our coverage
for life insurance, very insurance or final expense insurance, please
(05:10):
give us a call at nine zero one to six
zero twenty thirty five. That's nine zero one to six
zero twenty thirty five. What we do, BEV. We offer
final expense for those loved ones who may have loved
ones who've passed away and they need that final expense
(05:31):
to take care of their expenses so that they won't
have anything to worry about. They won't leave anything for
their loved ones to take care of. Everything has already
been taken care of by making sure that you make
that purchase now and get your plans taken care of
through the Jacobs Final Expense Agency. So we do find
expense and sometimes our plans can cost as little as
(05:54):
fifteen dollars per month. Beb it's just a quarter what
the situation is. So you need to give us a
call at nine zero one to six zero twenty thirty five.
Speaker 2 (06:06):
One of the things that Willy and I'm glad you
mentioned that that your plans can start at fifteen dollars
a month for those because we know that some people
are on budget fits incomes. But one of the things
that Willy always says, y'all is that they are affordable.
Speaker 4 (06:26):
Exactly exactly and the reason why they affordable bailp because
we are the number one found We work for the
number one find expense company in the nation, okay. And
what we do. What they do is they make the
plans affordable for individuals who may have health issues, who
may have no issues at all, but some may have
(06:48):
health issues whereby they can't get insurance anywhere else, okay,
but they can get it from us. The only individuals
that we cannot help is individuals who are incarcerated, that's
in the hospital, bedridden okay, or have HIV AIDS okay,
or may be in a nursing home. Those individuals we
just cannot help right now. However, anybody else, you can
(07:12):
give us a call PUS who we have agents waiting
for you now at nine zero one to six zero
twenty thirty five and ask any questions that you want
to ask. You can set up appointments for them to
come by to talk to you at your home, or
you can talk to them over the phone. It's your choice, okay.
Nine zero one to six zero twenty thirty five.
Speaker 2 (07:33):
When you talk about the final expense plans and kind
of lay this out for them.
Speaker 3 (07:40):
So what we're talking.
Speaker 2 (07:41):
About, ladies and gentlemen, is those burial plans.
Speaker 3 (07:47):
Do you have a barrel plan?
Speaker 2 (07:50):
I'm just gonna asking y'all I mean, do you have
really a barrel plan?
Speaker 3 (07:55):
Who is going to bury you?
Speaker 4 (07:57):
Who's going to take care of that?
Speaker 3 (07:58):
Who is going to take care of all those final expenses?
Speaker 4 (08:02):
Exactly? And in a lot of times, Bab, what happens
is that people say, well, I got life insurance right, Well,
you know what we talk to most people, most people
that we sell already have life insurance in general. Okay,
but what you want to look at, beb is life
insurance is basically left for those to replace the income. Okay,
(08:22):
you have most of people have one hundred thousand, two
hundred and two fifty, some even a million dollars for coverage. Okay,
that's to replace the income that they bring in on
a monthly basis, or they're going to be bringing in
for a year at a time, you know. So they
have a plan to replace that life insurance. Now, can
you use that plan to bury yourself? Yes, you can. However,
(08:45):
the way things work now, the funeral home won't st
their money bail right away, okay. In nine times out
of ten, that insurance company is not going to pay
you right away. Okay, So you need a plan in
place where it deals directly with just the final expense
just to Burrier Plan okay, and that is us okay,
(09:08):
And you can basically get that covered and all everything
taken care of within twenty four hours after receiving a
death certificate. That funeral home can have you at that
check in their possession twenty four hours after receiving a
death certificate. So that's a difference that we provide services
that other companies, like an insurance company that has big
(09:31):
amounts does not. The other thing is beb We have
the planning portion, okay, whether where we can plan. You
can plan your funeral from day one, okay. You can
plan how you want the funeral, where you want it,
who you want to utilize you, what plots you want,
who you want to sing at your funeral. If you
(09:53):
are a part of an organization Aka's or anybody such
as that Masons even okay, where they have specially things
that they do at funerals, okay, they will. You can
write down all that information and when that time comes,
all of that will be done just for you. Okay.
(10:15):
All you have to do is call us at nine
zero one to six zero twenty thirty five, and we
are not This is the year Bell we talked about
it last month. We're not putting anything else. No procrastination anymore.
Don't just listen to us, guys, make sure you pick
the phone up and call us, call us so we
(10:35):
can go ahead and help you and your family and
your love was all your friends are neighbors. Okay, nine
zero one to six zero twenty thirty five.
Speaker 2 (10:45):
And when they call that number, there's an agent there,
so people will know, y'all, mister Jacobs isn't there but
his staff there.
Speaker 3 (10:56):
To answer any question that you may.
Speaker 4 (10:58):
Have, exactly questions you may have because a lot of
people just don't understand insurance bill. Okay, and there's nothing
wrong with that. But if you don't understand, only things
that you don't understand, just asks and it's not any
questions you ask. Is not a crazy or dumb question. Okay,
ask the questions so you can get an answer. Okay,
(11:18):
and we would be there, all the staff members be there.
These are certified agents here, bab. They just can't. You
just can't walk in the office say I want to
be an insurance agent. No, you have to be certified.
Speaker 3 (11:29):
So it does not work.
Speaker 4 (11:30):
It doesn't work. Back there. You got to get a license.
You got to study. You have to go through the
hard knocks in order to get this this license, okay,
So please make sure that you call us today at
nine zero one two six zero twenty thirty five, and also.
Speaker 2 (11:47):
Willly I want to talk when you talk about that
people who may have health issues, and you've said it
and somebody may have not heard. But the only people
that you cannot write up because usually people who have
health issues taking medications, okay, but some people you just
(12:08):
can't write up.
Speaker 4 (12:08):
We just can't write. But those individuals beb who've been
blessed to be able to just take medication and they
can still operate on a daily basis. Okay. Some companies
Bell will not cover those people, okay, but we will Okay.
The only ones we won't coverage the ones that I
mentioned to you, which is HIV a's bedridden, incarcerated or
(12:31):
in a facility of funeral I mean in a nursing homeless. Okay,
those are the ones that we can't. But anything else
such as cancer such as diabetes, such as heart problems,
such as kidney issues, COPD, all those things that we
can cover you. All you have to do is call us, okay,
(12:53):
and I promise you will one call away, the agents
will be on their jobs by helping you to solve
your issue. We will make it affordable to you, okay.
We will give you different plans in place that we
have in place. You choose those plans, okay. And then
once you choose those plans, let's make sure it works
(13:13):
within your budget, okay, to make sure that you are
covered at that time where you won't have to pass
the your family won't have to pass the hat. They
won't have to be cooking no fish, no chicken, washing
cars or whatever, or even going to what we call
that go fund me. Okay. Please, guys, don't put yourself
(13:35):
and your families in search a predicament. Make sure that
you give us a call today at nine zero one
two six zero twenty thirty five.
Speaker 2 (13:46):
If you've just tuned in this afternoon, we are talking
with mister Willie Jacobs of the Jacobs Jacob's Final Expense Agency,
talking about those burial plans. If you have a question
or two four mister Jacobs while he's in the studio
nine zero one five three five nine three four two
(14:07):
eight hundred five zero three nine three four two eight
three three five three five nine three four two. If
you can't get in and call, you can email me
your question at Bev Johnson at iHeartMedia dot com. Bev
(14:27):
Johnson at iHeartMedia dot com. We'll get your questions to
mister Jacobs, but don't forget to call his office right now.
His agents are standing by waiting for you. Nine zero
one two six zero twenty thirty five. Nine zero one
two six zero two zero thirty five will get you
(14:51):
into the Jacobs Final Expense Agency. You're listening to the
Bev Johnson Show on w d i A.
Speaker 1 (15:01):
The Bev Johnson Show.
Speaker 5 (15:16):
Ladies and gentlemen, you're listening to the Queen of Talk,
Bev Johnson on w d i A.
Speaker 3 (16:06):
You're listening to the Bev Johnson Show.
Speaker 5 (16:09):
Here's Bev Johnson.
Speaker 2 (16:11):
And I'm talking with mister Willie Jacobs of the Jacobs
Final Expense Agency. Willie, we're going to our phone lines
and talk to dal Hi Dale.
Speaker 6 (16:19):
Thank you for waiting, Hello.
Speaker 7 (16:22):
Hello, thank you, thank you for taking my call. I
greatly appreciate it. You will have a couple of questions
about the final expense, Okay. I have a couple of
family members. One is in there in their late sixties,
and another one is in age forty five, and we
had lost another family member earlier this day and nana insured.
(16:47):
Is there way of getting someone in short? And I've
talked to them, spoke to him about this before. But
my understandings of you do you need their social Security numbers? Say?
If I want to take insurance out on their behalf
for their found expenses, can that be done? How would
I do that?
Speaker 4 (17:07):
Okay, how you doing, Dell darn Weller, you sir, great, great,
sorry to hear about your loss. However, dal we yes,
you can take coverage out on them with their permission,
if you if you have their permission to take coverage
out on them, you can because there is ensurable interest
there such as yourself. Okay, yes, you can do that.
(17:28):
But all we need is there permission and we'll talk
to you, have someone to talk to you and and
them at the same time and go ahead and take
care for you.
Speaker 7 (17:38):
So I would need to get them on the phone
at the same time and grant permission.
Speaker 4 (17:42):
Yes, yeah, take it exactly, because once you write them up,
then once we'll have home office on the line with
you one, we're taking care of that business. And the
home office is going to ask them, do they give
you permission to take this this this policy out on them?
Speaker 7 (17:59):
Okay, thank you very much, appreciate that.
Speaker 4 (18:02):
No problem. Just give us a call deal at now
zero one two six zero twenty thirty five.
Speaker 7 (18:08):
You got the number down, Yes, ma'am, I have a
nine zero one two six zero two zero three five.
Thank you so much for taking my call.
Speaker 3 (18:17):
You are so welcome. Thank you for listening. Bye bye.
Speaker 2 (18:21):
All right, Willie, I have an email for you and
says good afternoon, Miss Johnson and mister Jacobs. My mother
is in a nursing home and she's eighty four years old.
How can I have coverage for her? She has dementia
and is not able to sign off on any insurance policy.
Speaker 3 (18:42):
Thank you.
Speaker 4 (18:44):
Okay, what we can do if your mother is out
the hospital unless she comes from the hospital. She's aged
eighty four, she only has one more year before she's
eligible to get coverage from US, okay. Eighty five is
the is the limit for us? Okay. However, if she
gets out of the hospital, we can ensure her okay,
(19:07):
but she cannot We cannot write her up in the hospital.
Speaker 3 (19:10):
Okay, because she's in the nursing home. So you can't.
So you can't write her up in the nursing No.
Speaker 4 (19:15):
She has to be at home and she cannot be
bedridden there. Okay. Dementia is one thing, but bed ridden yes,
and in the in.
Speaker 3 (19:23):
The nursing hometion home.
Speaker 2 (19:24):
Okay, okay, So I hope miss Bell you'll heard that. Yes,
but but still get to be clear. We do invite
her to call your office so the agents can explain exactly.
Speaker 4 (19:36):
Just call the office and just give them all the
information pertinent information that you have, and they will be
able to help you in that numbers nine zero, one,
two six zero, twenty thirty five.
Speaker 3 (19:50):
Okay, okay.
Speaker 2 (19:51):
Willie Tony writes, Hi, mister Jacobs, I am interested in
purchasing and paying premiums for those family members birds that
can't won't prepare for themselves.
Speaker 3 (20:03):
If the policy is.
Speaker 2 (20:05):
Purchased before they are incarcerated in a facility, bid ridden,
or developed AIDS and they expire after one of those developments,
will the policy pay?
Speaker 3 (20:16):
Thank you, very good question, that was miss Tony.
Speaker 4 (20:21):
Miss Tony, Yes, miss Tony, if there's no foul play
on any of those plans, yes, that it will cover.
You can be the owner if they have permission if
you if they give you permission to take the policies out,
you can be the owner and the beneficiary since you
are paying for those policies. Okay, if you are, if
(20:43):
they are your relatives, okay, But nobody just off the
street and you just say, hey, I want to get a.
Speaker 3 (20:47):
Positive right were talking about you? Legs?
Speaker 4 (20:50):
No, no, none of that. But if you have ensurable
interest and you are a family member who have level
who's living that kind of life, they give you that
permission to get a plan out on them because they
know that they are not going to get one and
they don't want to leave you in a hum's way
whereby if something would happen, you have to be the
(21:12):
one to take care of all the fund expenses. And
they want to give you that permission, then they can
do so, and you can be that beneficiary and the
policy will pay. If it's no file play.
Speaker 2 (21:24):
Okay, let me ask this question, will it Because you're
saying that you can take out a policy on somebody,
a family member, yes, And you keep saying permission.
Speaker 3 (21:36):
Is that permission?
Speaker 2 (21:37):
Does that permission have to be verbal or can it
be written?
Speaker 3 (21:43):
Permission?
Speaker 4 (21:44):
Well, nine times out of ten is verbal because what
happens is once we take that plan out, we're going
to get that person on the phone with a home
office okay, and the home office is going to ask
the question do you give permission? Do you give this
person permission to take this play out?
Speaker 3 (22:02):
Okay?
Speaker 4 (22:03):
Yes, okay, And that way it's recorded, you got me.
Speaker 2 (22:07):
I got you, So that that's better because they hear
their voice the verbal instead of you can't take a
reading because anybody can sign somebody's name.
Speaker 3 (22:15):
There you go, gotcha?
Speaker 4 (22:16):
Yeah, yeah, So we try to make sure everything is
in place so it won't be any issues when that
time comes.
Speaker 2 (22:22):
Okay, Okay, We're going to our phone lines, will A
to talk to our listeners.
Speaker 3 (22:29):
W D I A HI.
Speaker 8 (22:30):
Caller, Hi BELLN have to know, and your guests willard.
Speaker 3 (22:36):
That afternoon Golden girl.
Speaker 9 (22:40):
Great.
Speaker 8 (22:41):
I just heard him speak about the owner should be
the owner of a policy and mister Jacobs, can you
speak on I know you know about the Gerber grow
up policies for all of the babies. Okay, So I
got one of my granddaughter and now she's at the
(23:01):
age she's an adult now, and I'm gonna notice about
I have an option and I gotta switch it over
to her and get her permission. And from what I'm
just hearing you say, if I'm the owner, why do
I have to turn the policy over to my granddaughter?
If I been paying a premium?
Speaker 4 (23:22):
Where the best thing for you?
Speaker 8 (23:23):
Can you speak on that? Is that just that company?
Or is that the way insurance policy works?
Speaker 4 (23:29):
You know that that's just probably that company. If you
see if you have a plan with us and your
your debate, if you had a plan on her from
birth and she's now at age at the age where
the policy is going to fall off, which normally our
age whether policy whether that falls off is age twenty five, Okay,
(23:52):
you know at age twenty five, what we would do
is tell you that this plan is about to drop
off your policy, and if you want to retain that coverage,
then you need to get her permission to do so. Okay,
But not when it comes to that policy that you
had already, and they're not talking about that policy. Probably
(24:12):
they're talking about if you want to carry on the policy,
carry on a policy, then you need to get her
permission to do so, because she's now yeah, now she's
an adult, right that makes sense?
Speaker 8 (24:26):
Oh yeah, I just never I got one on my
other grandson before, but I don't remember getting something in
the mail saying that I have to notify them and
switch it over. Yeah, so you know there's always been
that way with Gerber.
Speaker 4 (24:41):
Well, I don't know about gerberl. I'm just letting you
know about us. You know, if you get, if you
if you have if a person get a policy and
that's safe. For instance, he was three years old and
you got a plan on him, and he was on
your plan. He was on your plane as a rid
probably okay.
Speaker 9 (24:58):
Well, oh no, it's a baby.
Speaker 8 (25:00):
It was the baby grow up. They send them in
the mill.
Speaker 4 (25:02):
Okay, okay, I remember Gerber. I know Gerber plans. Yeah,
g E R or b e R Okay, yeah, I
know the Gerber plans. Yeah they can there. They have
plans where you write them up and you can keep
that policy up until that age twenty five. Yeah, but
when they get age twenty five, they still have you know,
they that policy is not yours anymore because you paid
(25:25):
for the positive. Now they're an adult. Now you have
to get permission. You know, that's the way I was working.
Now you have to get permission from them to say,
I want you to have a policy on me, because
that policy from the time you got it up until
then it is now it's now null void.
Speaker 8 (25:46):
Okay, as I really hate that. I wish I've known that.
That's just like all the money went down the drain.
Speaker 4 (25:54):
No, you should have had you should have had a
whole life policy. Look and see do you have a
whole life polity? If you do, you have cash in
the policy.
Speaker 8 (26:05):
I don't.
Speaker 9 (26:06):
I will look.
Speaker 8 (26:07):
But if she refused because she feel like a lot
of people don't understand insurance and they feel like you're
trying to get over on them or profit off of them,
you know, just ignorance, right.
Speaker 4 (26:18):
I tell you what you do. I tell you what
you do. Give me a call at the office at
now zero one two six zero twenty thirty five. Leave
your name with miss Felicia, okay, and tell her who
you are, and you talk to me over the radio
and I will call you back, and I will call
you back and we'll go over it in detail, and
I can tell you exactly what to do.
Speaker 8 (26:38):
Yeah, and you remember me, mister Jacob, Remember we used
to sell an insurance together for your callings and listeners
who don't know we used to work at Monumental Life
and other corps together when you first came on the radio.
Speaker 4 (26:51):
Oh really we have.
Speaker 8 (26:53):
Yeah, we have a short conversation about it, Okay, and
Monumental Life and American General those companies, ok.
Speaker 4 (26:59):
The American General. I work with America General. I know
I work for American General, but not Monumental.
Speaker 8 (27:05):
You remember, Okay.
Speaker 4 (27:07):
Yeah, but just give me you remind me. Okay, give
me a call and ask for Miss Felicia and she
will get the numbered in your name and everything to me. Okay,
and we'll and I'll call you back and we can
talk and I'll tell you exactly how to handle it.
Speaker 8 (27:21):
Okay, all right, thank you, miss, and thank you.
Speaker 3 (27:25):
Thank you, Golden girl. Have a good day.
Speaker 2 (27:26):
Say say bye bye bye bye Willie.
Speaker 3 (27:30):
Let's see here.
Speaker 8 (27:33):
That.
Speaker 2 (27:33):
Oh oh okay, Miss Tony send another email, she says,
mister Jacobs.
Speaker 3 (27:38):
One more question.
Speaker 2 (27:39):
Okay, does your company offer discounts if multiple policies are
purchased and maintained.
Speaker 4 (27:50):
No discounts, ma'am. I'm sorry. The company insurance companies don't
work like that. And if they tell you that they're
giving you a discount, I promise you about don't want
to do any business with them. Okay, the policies are
set in stone. Everything is based on your age and
your condition. Okay, that's that's it. That's when it comes
down to insurance policy.
Speaker 3 (28:11):
Your age and your conditions.
Speaker 4 (28:12):
Your age going on and what's going on with you.
You know, whether or not you are sick or you're
not sick. So that's how it's determined by how much
you pay on a monthly basis. No discounts regd w
you get one policy or whether you get ten policies.
It's no discounts. Okay. What we can tell you is
that you know you will get a great deal. Okay,
(28:36):
that's the only thing that we can tell you. But
we discounts is not a term that we are allowed
to be using for its discounts.
Speaker 2 (28:43):
Okay, right, no, so no, And it was a good questions.
But but and here's what we said earlier. Wially that
miss Tony, no discounts. But what mister Jacobs said earlier,
you are affordable.
Speaker 4 (28:58):
It's affordable. We'll definitely take care of you, Miss Tony.
We'll give you the best possible price for the situation. Okay,
that's that's what we can say.
Speaker 2 (29:09):
So, tell miss Tony to call I know she's emailing
us and good, that's good.
Speaker 3 (29:14):
But call over to the office.
Speaker 4 (29:15):
Yeah, just call over to the office and tell them
you want you want information, miss Tony. And that's nine
zero one two six zero twenty thirty five. That's nine
zero one two six zero twenty thirty five.
Speaker 2 (29:29):
Back to your phone lines, Willie w D I a
high caller.
Speaker 9 (29:35):
Hey, how you doing?
Speaker 3 (29:36):
Hey coming man?
Speaker 9 (29:40):
Yeah, I just wanted to make a come in on
the question that Golden girl was speaking you out about
about the old policies. And you may be carrying a
man a child so like with mine, and I'm pretty
sure it's probably the same way with the one she got,
Like mister Jakob was telling her, once that child becomes
(30:01):
a certain age, the age may may different with different companies. Well,
man was twenty six, So once my kids become of
twenty six, they would drop off of the initial policy
that I had with them all along with me. But
that child could take that same coverage, but they would
be responsible for themselves. Now you can't get a you know,
(30:22):
a policy like mister j was saying, with the approval
of that child. But it'll be a different policy, but
the one that she has already. That child can continue
that policy own, you know themselves. But otherwise they're going
to drop off once they reached that certain age that
their company you know, had set in place.
Speaker 3 (30:44):
Now say that again. Coming in, you're saying what now, okay,
say that again?
Speaker 9 (30:50):
Okay okay. So like she was saying she was carrying
a child, she was garing her grandchild. So as missus
J was saying, once the child becomes a certain age
in the company will tell you what age that is.
Like with my company, the age was twenty six, So
my kids became twenty six, they will fall off, but
they could take that same coverage and continue it on themselves.
(31:14):
Outside of that, you would have to give a policy,
a separate policy, a different policy with that child's approval,
and that would be a total that would be a
totally different policy. So yeah, the child can continue that
policy on that she initially had, but the child would
you know, be responsible for that. As far as the
company go, the child will be responsible for it. Otherwise,
(31:38):
the only way you can get a policy outside of
that is the child had to give approval. Otherwise childs
are gonna drop out when that when they reached that
certain age that the company said in place, Well.
Speaker 4 (31:48):
Our coming man hours doesn't work that way. What happens
is once that policy becomes when you get to age
twenty five. After age twenty five, then that policive is
null and void as far as h B you being
on that person's policy.
Speaker 9 (32:04):
Kay, you have right, that's what I'm saying.
Speaker 4 (32:06):
You have to get a total different policy which you
have to get permission from. If that's what you're saying,
then you correct. But that's what.
Speaker 9 (32:13):
Happened, That's what I'm saying, right, So that that that
that portion of the policy that like say, for instance,
my last child, h my baby girl. So once she
turned twenty six on the way I could have a
policy like you just said, you would have to give
me approval. Otherwise she was able to take that coverage
(32:33):
that was that we were combined together on and handed herself.
I couldn't be over there anymore. I got you so,
So so it's somewhat the same thing, a different policy
because she's no longer riding.
Speaker 4 (32:47):
With me, right, Well, will it's it's no, it's no,
it's no writing at all. Once you reach that twenty
sixty it's a totally different policy now after that age. Yeah,
you have to get enough, you have to get a
total epid policy, which with her permission, if you're going
to be the owner.
Speaker 9 (33:05):
Yeah that's right. Yeah, yeah, all right, so that's what
I want to come at on.
Speaker 3 (33:10):
Appreciate you man, all right, common man, Thank you, common man.
Good question. Let me ask this question, Willie.
Speaker 2 (33:18):
And when we're talking about the final expense, so people
call affordable, and when we keep saying affordable, you are
basing affordability on their income. And does it work like
that or do they the listeners call and say, missus Jacobs,
I can only pay twenty five dollars a month or
(33:41):
thirty So how does that? Do they tell you what
they can pay or you all have a system?
Speaker 3 (33:46):
Will say, well you'll have to pay.
Speaker 4 (33:48):
This, No, no, they tell us what's comfortable with them, bill, okay.
And then what we do we based on their affordability.
We go in and see what it is per thousand,
and we calculate it up and then we tell them
exactly how much they can get for that amount of money. Okay.
So yeah, it's based on what they actually they tell
(34:08):
us that they can afford you know, we have three
different plans, which is good, better, and best. They may
fall in a good category with that amount, they may
fall in a better category with that amount, or they
may fail in the best category. It's just according to
how what their age is and how much or it
will cost them at their age.
Speaker 3 (34:31):
Okay, so they need to look at that.
Speaker 4 (34:35):
They need to look at that, because it's very important.
Bell If in this day and time, you know it,
so much is happening each and every day. You know,
people don't realize that what burdens they leave on people,
on their loved ones when they are not prepared. You
think about it, bell is, if you had brothers and
(34:58):
sisters who were not ensured and something would happen to them,
and you didn't have a mother, you didn't have a father,
but yet they were of age and you were of
age the next closest to Ken, that's who they're looking
for to what to take care of the responsibility. Excuse me,
(35:18):
Some families takes care of that responsibility, and some families say,
I don't care. I'm not taking care of that. Okay,
you know you have some people just I don't care.
I've been paying my insurance for a year after year
after year, and he should have been paying his because
why he did everything else he wanted to do. Why
he didn't have any insurance. So I'm not going to
(35:39):
take up on myself to do Some families would do that,
but then you have other families, regardless of how bad
a person lives and how irresponsible they are, when that
day and that time comes, they feel somewhat obligated to
pay or to take care of that person's responsibility. You know,
(36:02):
it's that's bad for you to leave somebody making them
feel that they are obligated to take care of your
final expenses. Don't do that, guys, come please, don't don't
do your brother and your sister like it's already hard
enough out here for us to live on a day
by day day circumstances right by day by day. And
(36:23):
then here's something is drop to your lap for eight thousand,
for ten thousand, for twelve thousand dollars at one time
that you got to somehow come up with. You know,
sometimes it's hard for people to come up with their
light bill of one hundred and fifty two hundred dollars.
He's got that right now. How you feel that you're
gonna drop a five to ten thousand dollars bill in
my lap. Please, guys call us at nine zero one
(36:48):
two six zero twenty thirty five. Let us take care
of you and your responsibility. Be a man, be a
woman about your business and take care of today. Don't
have nobody else to take care of your business. You
take care of on you'all? Okay? Calls at nine zero
one two six zero twenty thirty five.
Speaker 3 (37:08):
W d I a high caller?
Speaker 6 (37:11):
Well, yes, yes, I want to ask mister Jacob's question
about I was here the people talking my kids, dropping
off policies, our purchase a politic for my daughter or
she's a baby, and I still got it. But it
was it wasn't a positive that she wasn't on my policy.
It's just an individual policy with her only on it
(37:33):
from from Globe Life Insurance. And I still got it.
And I was wondering that and I'm still paying on it.
I'm you know, it's just positive still effective or they
still taking my money and Teaser dropped off of this policy.
Speaker 4 (37:49):
Right? How old is she?
Speaker 3 (37:50):
How old is she's thirty?
Speaker 4 (37:52):
You could have got a policy. I mean, I don't
know whether you got a whole life policy. I can't tell.
I can't say a whole life policy is a policy life,
uh turn polity life.
Speaker 6 (38:03):
It's life and accidentally turance life.
Speaker 4 (38:06):
In accident insurance. Yeah. But see that's that's two different.
It could be life insurance and accidental both the right, right.
So it could be a whole life policy for life. Okay.
Speaker 8 (38:19):
Uh.
Speaker 4 (38:19):
Certain people have a term policy. It could go for
fifteen years, it could go for twenty five years, twenty years,
thirty years okay and then.
Speaker 6 (38:27):
But it's not term. It's like.
Speaker 4 (38:30):
If it's a whole life positive as long as you
pay for this is you know, it's it's a whole
life pouce for life.
Speaker 3 (38:36):
It's still good.
Speaker 9 (38:37):
Huh.
Speaker 4 (38:37):
Yeah, you know, as long as you take they taking
that money in your policy. But I'll tell you what
you do. You can you can call me and we
can look at it and make sure that you got
the right thing, you know. Uh, and at that time
out look and see what kind of found expense planing
you got.
Speaker 6 (38:53):
It's just a just a twenty policy.
Speaker 4 (38:57):
Oh for you or her?
Speaker 6 (38:59):
For she's only one on I just got a urban baby,
right and I still got it.
Speaker 4 (39:04):
Okay. Yeah, So if it's a twenty thousand dollars whole
life policy. You can just keep paying for it and
then you know, until something happens to it. But you
know the good thing about that, we have a twenty
year term, I mean twenty year plan. It's a twenty
pay and you pay for it for twenty years. And
after you pay for it for twenty years, you still
have a policy, but you don't have to pay for
(39:25):
no more insurance.
Speaker 6 (39:29):
Okay, Well, I give you a call and we can
wait the different guys. What's up with it?
Speaker 4 (39:33):
Okay, no problem? Nine zero one two six zero twenty
thirty five.
Speaker 6 (39:38):
Okay, all right, all right, thank you, y'all, have a
good day.
Speaker 3 (39:42):
Thank you, thank you for listening. Yeah.
Speaker 2 (39:44):
So as they call the office, will they your agents
will explain, and then if you're there, you explain everything
to them.
Speaker 3 (39:52):
Good questions, yeah, very good questions. Yeah.
Speaker 2 (39:55):
And once they get this final expense, will and when
we say final, all the things that they need, the
last or the relatives, whatever they need to know when
they're going to the funeral. This is the burial intrut,
so you all know that.
Speaker 4 (40:12):
Right, right, And when we talk about final expense, guys,
it's just merely a barrier insurance. Okay. And when we
talk about final expense, we talk about the final needs
of that person to be put away properly. Okay, the
final expenses to be put away, You got me, right now.
(40:33):
Some people will get enough coverage to do some other things.
A person might have left or a bill that maybe
had their name on it with them. Okay, So they
might get enough coverage to take care of that bill,
you got me. You know, So instead of them getting
(40:53):
a ten or twelve thousand dollars policies, they might get
a thirty thousand dollars policy and pay ten thousand dollars
for the fear when they have the balance to help
take care of those final needs that here she had together. Okay,
you got me. So those things anytime you talk about
final experience, this is what you're talking about. So, but
(41:13):
it's very important bill that people realize and understand the
significance of having your own coverage, you know, before you
pass away, and not lead that on anyone. If you
love your brother, if you love your sister, your mother,
your father, if you love your cousin, your grandmother, your grandfather,
(41:36):
whoever will take that burden upon themselves. If you love
them enough, then don't do them that way. Make sure
you call us today at nine zero one two six
zero twenty thirty five and we'll explain to you what
you have to do in order to get things in
order for yourself and for your family and for those
(41:59):
in the visions that you love. Okay, It's very important
that you think about these things before that time comes,
because once it happens and you have not put in
your you hadn't gotten everything in order, it's too late.
It's too late, and you don't want to leave that
burden on your family. Hey, guys, are we very very
We appreciate you so very much for listening to us
(42:21):
every single month. And it's a blessing for me to
be in the position that I'm in. You know, God
has blessed me and my family, those loved ones that
around me, the people that work with me, I appreciate
them as well, who had trusted me to be there
with them on a daily basis, you know, to help
them to become better individuals, okay, and to help families
(42:42):
belup every single day. I tell them everything. If you're
doing the best you can do every single day, that's
all you can do because all you can do, bel
it's all you can do. But all you can do
is enough. You got me. Hey, So this is Willie
Jacob with the Jacob's Fall Expense Agencies saying to you, Hey,
we're here to help you, your family and your love ones.
(43:06):
We'd love every last one of you and there's absolutely
nothing you can do about it, and we'll see you
at the top.
Speaker 3 (43:12):
And Willie, one more time, give out that number. Brother.
Speaker 4 (43:15):
The number is nine zero one two six zero twenty
thirty five. That's nine zero one to six zero twenty
thirty five.
Speaker 2 (43:25):
That's mister Willie Jacobs of the Jacob's Final Expense Agency.
Speaker 3 (43:33):
Good day to day.
Speaker 2 (43:34):
Thank you colers, thank you listeners for joining us this
day on the BEV Johnson Show.
Speaker 3 (43:41):
We do, we really do appreciate you.
Speaker 2 (43:45):
So until tomorrow, please be saved. Keep a cool head, y'all,
don't let anyone steal your joy until tomorrow on BEV
Johnson and y'all keep the faith.
Speaker 9 (44:03):
The views and opinions discussed on The BEV Johnson Show
are that of the hosts and callers and not those
of the staff and sponsors of w d I A
Popular Podcasts
The Breakfast Club
The World's Most Dangerous Morning Show, The Breakfast Club, With DJ Envy And Charlamagne Tha God!
Dateline NBC
Current and classic episodes, featuring compelling true-crime mysteries, powerful documentaries and in-depth investigations. Follow now to get the latest episodes of Dateline NBC completely free, or subscribe to Dateline Premium for ad-free listening and exclusive bonus content: DatelinePremium.com
Decisions, Decisions
Welcome to "Decisions, Decisions," the podcast where boundaries are pushed, and conversations get candid! Join your favorite hosts, Mandii B and WeezyWTF, as they dive deep into the world of non-traditional relationships and explore the often-taboo topics surrounding dating, sex, and love. Every Monday, Mandii and Weezy invite you to unlearn the outdated narratives dictated by traditional patriarchal norms. With a blend of humor, vulnerability, and authenticity, they share their personal journeys navigating their 30s, tackling the complexities of modern relationships, and engaging in thought-provoking discussions that challenge societal expectations. From groundbreaking interviews with diverse guests to relatable stories that resonate with your experiences, "Decisions, Decisions" is your go-to source for open dialogue about what it truly means to love and connect in today's world. Get ready to reshape your understanding of relationships and embrace the freedom of authentic connections—tune in and join the conversation!