Willie Jacobs

Ask the Expert about final expense planning with Willie Jacobs of the Jacobs Final Expense Agency on the Bev Johnson Show on WDIA Radio.

Episode Transcript

(00:00):
Time station ten seventy w d IA listen on the free iHeart Radio app
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Ye with a hard and soul ofMemphis ten seventy w d I A Memphis
beIN show, Bell chomping time,Memphis talking and home away. Help on

(00:24):
you go, you go, Son'tgetting ready? It's time shot, Let's
go bet Justin, we make gordBy here wrong talk? You d listen

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to one today? You know?Where's time of the Belt of Fish Show,
Time of the Mountain Show. Let'sgo, Let's rock and roll on
this Tuesday, A serious Tuesday,June fourth, twenty twenty four. Enjoyed
this fabulous day to day. Aswe asked the expert, he is back

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in the house, mister Willie Jacobsof the Jacob's Final Expense Agency. Good
afternoon to your mister Willie Jacobs.Good afternoon, Beab. How are you.
I'm doing well today, Willie.I'm doing well well well, well,
good to see you, Beb.You're looking well well. Thank you

(01:27):
very much. I feel good,good, good good. I feel pretty
good myself as a you. Youjust come off of vacation, Yes,
I did. I needed that vacation, Bill, We all need vacation.
Yes, it's very it was veryrelaxing. Good good. I'm glad you
had a wonderful Tana. Awesome timemy wife. Now, yes, we
had a great time. Good good. Well back in the house with the

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Jacob's Final Expense Agency and Willie.You told me today when you walked in
the studio, you said, bevit's serious Tuesday. It's serious Tuesday,
Bill. Now why is it serioustoo, Job's Bill. There is so
much going on that people need toknow about, and they need to make

(02:10):
sure that they are responsible for themselves, that loved ones and those that are
around in them. And it's timefor us to stop putting this thing off.
Bill. Okay. We are Jacob'sFinal Expense Agency, who we write
for, the number one final expencecompany in the nation, Okay, and

(02:30):
we want you to be a partof that. There are so many individuals
that we know that are not coveredlike they should be covered, and they
leave that responsibility on others as theyleave here. Bill, we don't want
that to happen today. We it'sserious tuesdays that we can seriously cover you
for all your find your final expenseneeds. Okay, all you have to

(02:52):
do is listen to us and callus that nine zero one to six zero
twenty thirty five. That's nine zeroone to six zero twenty thirty five,
or even call in the office hereof the station and I'll be able to
answer any questions that you may havefor So, Okay, why do you

(03:13):
think willly that? Because we talkabout this all the time, and you
and I about why people procrastinate,Well, it's a lack of understanding,
bib I think. I think peopledon't understand how important it is for them
to get covered and not leave thatresponsibility on others. All you have to
do is think about it. Thinkabout the times that things has happened and

(03:37):
people has come to you and toraise money for a GoFundMe or to go
fry fish or chicken or or whateverto help pay for a loved one's funeral.
You know, if a person comesto you for twenty dollars, thirty
dollars and people one hundred dollars,some people be willing to come actually bail

(03:57):
for more than one hundred dollars fortheir loved one's funeral. You know,
and you know people are like this. If I'm sacrificing on a monthly basis
to pay for my final expense needs, why should I personally help you out?
Now, I'm gonna tell you,bab Okay, personally, I don't
pay for nobody's funerals. You don'tknow, I don't want to get don't

(04:19):
ask me for one time? Welly, no, ma'am, No, ma'am,
because guess what. Why during thislifetime I have chosen to give my
whole self out here to let peopleknow how important it is for them to
be covered. If a person cango out every week and party, if

(04:40):
a person can smoke a pack ofcigarettes a day and a twelve pack of
beer, they can get this finalexpense coverage. Okay, And you know
those individuals who wake up every singlemorning, they wake up to drink,
they wake up to smoke, andthey wake up to go and party for
the weekend. Now, going outnow, BIB is probably not as a

(05:04):
cheap as it was when we wasgoing out. You know it costs you
to go out now, yeah,you probably can't go out for less than
one hundred dollars. You know whatI'm saying. I hear what you're saying.
I mean, I don't go out, but I'm just saying if you
did, you know you probably can'tdo it for less than one hundred if
you're gonna go out and have youa good time, because by the time
you getting out, get ready togo out by drinks, buy food and

(05:29):
whatever, then you know you spendclose to one hundred dollars. I'm quite
sure we're talking about you taking careof your responsibility bill paying as little as
fifteen dollars a month, okay,and that's not much. That's not much.
Everybody won't qualify for it, however, But at the same token,

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we do have plans that is castas little as fifteen dollars a month.
But the average person that pays probablyBIB it's gonna be anywhere between fifty five
sixty five dollars a month. That'sthe average. That's about the average.
You know the individuals Now, it'sbased on their age, and it's based

(06:11):
on whether they have any medical issues. But the good thing about us,
we are able to cover almost everysingle person bail where other companies won't,
okay, and we are able tocover every single thing exelf for a person
bail, except if a person hasHIV, if a person is incarcerated,
or if a person is in thehospice, Okay, these are reasons that

(06:38):
we cannot cover you. Okay.But if your person is it has been
incarcerated and they're out, now,we catch them before they get back in
bail. Okay, that's what wedo. We get you before you get
back in and we can cover youthen, but we can't cover you why
you're incarcerated. Okay, So tellthem up front you have a loved one

(07:02):
that's incarcerated, you can't you can'tcover them, be covering them, y'all,
that get insurance for them. Butonce they get out, it's okay,
it's okay. So if you thinkthat they're going to get back in
there, okay, sooner than later, then is the best thing for you

(07:24):
to do is go ahead and getthem covered. Okay. We can cover
them while they're out. Our wholeessence is for us to give you every
single thing that you need in orderfor you to not be bogged down with
somebody else's responsibility when that time comes. Okay, So we ask you to
give us a call at nine zeroone to six zero twenty thirty five.

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We have agents. They are waitingfor you for any questions you may have,
or even to set appointments up foryou over the phone or in person.
So give them a call now.They're waiting for you at nine zero
one two six zero twenty thirty five. Come away out. This is serious
Tuesday. It's time to get seriousabout your findings. Bus needs and one

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of the things that you talk about, and I like when you say that
it's affordable, and again you haveto I want you to be clear right,
willly that for when you mentioned fifteendollars for some that they qualify for
that, but some may have tobe a little higher than that, exactly

(08:30):
exactly, and that's just like Isaid, it's based on their age,
it's based on the amount that theywant to get, and it's based on
their health needs. You know,their health issues. Okay, if you
have bad health issues, it's gonnacost you a little bit more because other
companies won't even bother to take you, but we will, Okay, we'll

(08:50):
take health in people who have healthissues where other people won't. Okay,
So the only way you know thatis to call us or tell us what's
going on with you, and we'lltell you what you qualify for. But
the only way you can do that, BEIB is give us a call down
here at the station, or giveus a call at nine zero one to
six zero twenty thirty five. AndI like to say, Willie, is

(09:15):
that And I've always told my studentsthat no question is silly, right because
something you need to know, ifyou don't know it, ask asks a
question what you need to know.And some people may not understand Willie when
you talk about the final expense plan, because someone will say, well,

(09:37):
I already have insurance, I havelife insurance. Isn't that going to take
care of my final final expense myplans? Right right? Right? Well,
you know you have people who havecoverage. Most of the people we
cover beb you know they have lifeinsurance already. Okay, they have life
insurance whereby if something would happen tothem, they'll leave that beneficiary covered with

(10:03):
the money is like one hundred andfifty two hundred, even a million dollars.
However, the life assurance plans youhave can cover your find experience.
But the way we operate BAILP isthis, we believe that you should have
a separate plan for the find expenseplan okay, that take care of all
your final needs like your funeral,your your plot, all these things that

(10:28):
you leave behind for someone else tobe responsible for. Okay, And we
believe that you should do that onthe side, not with your main policy.
Okay. And our company pays withintwenty four hours after receiving a death
certificate, where your main policy mighttake a week, two weeks or three
weeks. And you know that thefuneral home do not want to hold your

(10:52):
body out that loan, and ifin the families either, but if they
do, they gonna charge you.Okay. So as long as you have
to wait for uh that money isto come, then you're going to have
to what pay for it? Youknow what? Willie, when you said
that, and I'm going to giveyou, well, it was a compliment

(11:13):
from one of one of my listeners, and I'm going to give them a
shot. I met this gud theweekend. He said, I listened to
you. He well, he toldme, he said, I work for
Baseville Casket. You know that thecompany they make the casket, he said

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I he said, I listened toyou, he said. Me and my
guys we listened to Willie Jacobs andwhat he's saying, he's telling the truth.
And I forgot the guys he saidthey called me uncle. I can't
I can't remember them with it becauseI met him during Memorial Day weekend and

(11:54):
he said what he said. Helistened because he said they they worked for
that that company, and they they'rein the warehouse and doing this, and
they said that Willie Jacobs is tellingpeople the truth exactly exactly. And we're
not here to bash funeral homes.Were not exactly right, bash anybody.
What we're trying to do is getfamilies and loved ones to be aware of

(12:15):
how important it is to get yourfund, get your get things straight before
you leave here. Bill, don'tleave that responsibility on nobody else. It's
hard enough for your grandmother and yourmother, and your auntie and your aunt
and your uncle to make it nowin this day in time without anything's happening
like that, without having to burysomebody how you think it feels. And

(12:39):
when they have to come out oftheir pocket, okay, because they have
to come out of their pocket,they're a hard earned money that they've worked
all their lives for to go andget five thousand and ten thousand dollars to
bury you, just to bury you. You didn't hardly ever have a relationship
with right but their sister, buttheir sister you they sister child. She

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ain't have no company. You ain'tgot no comfory, she ain't got no
comforty. So it falls on themand they in turn will take it out
of their account, they hard earnedmoney, bill and bury you with it.
Now you remember I told you Ididn't pay for funerals, right Bell?
You told me that. Okay,so let me ask you this Bell,
what how many funerals are you gonnapay for? That's the key word.

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How many do you want to payfor? I don't want to pay
for any exactly. So the bestthing to do is what everybody to be
responsible, yes for themselves and takeserious Tuesday serious. And that's why I
like why you're educating us and forsome people who just maybe never thought about
it. But we all know we'releaving here. We're leaving here, we

(13:48):
all know that, sir. Andnothing is free. I said this the
other day when people say, youknow, we hear about it. We
got free is a free camps.It may be free for you, but
somebody has paid for something. Nothingis somebody has to pay. It might

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be free to you, but itwasn't absolutely free exactly exactly exactly. So
when we talk about those final expenses, get yourself in order. When you
think about you think about our grandparentsand parents and that they made well,

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I won't say that, mate.They were responsible. They took out plans
for us, so we can beall right. Yeah, so they wouldn't
be embarrassed at that time. Yes, so they wouldn't have to ask the
neighbors to fry fish and fry chickenand whatever they had to do in order

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to get that money up for yourfuneral and bill. You think about the
think about how it would devastate youif you had relatives that one after another,
if something happened to the loved onesand they didn't have the money and
they came to you, and youwill have to come out of your account

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to pay for somebody's funeral, notonce, not twice, but at least
two or three times a year.Come on, y'all, we can't be
going through nothing like that. No, No, you have to be responsible
and don't if you love you youknow, we throw that word love around
like it's like it's if you reallylove your brother, you love your sister,

(15:41):
you love your mama and your auntie, your grandmama. Get yourself covered.
Get covered. Make sure you takethe time out to find out what
it's going to take for you toget your final expense, get your burial
policy, get your life insurance policy, and you can do that today.
Here call us at nine zero onetwo six zero twenty thirty five, and

(16:04):
they awaiting. A team of agentsare waiting for you right now so they
can tell you exactly what you needto do to get covered. We'll hear
and we're serious about this thing.Bell. We do this every single day.
I hear you talking every single day. Uh huh. So we want
you to know, hey, we'reserious about this. So give us a

(16:26):
call at nine zero one two sixzero twenty thirty five. We are asking
the expert today. Our expert isthe expert on final expense planning. Mister
Willie Jacobs is here from the JacobsFinal Expense Agency. If you have a
question or two for him while he'sin the studio, he'll be more than

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gladly answer that question. Nine zeroone five three five nine three four two
five three five nine three four twoeight hundred and five zero three nine three
four two eight three three five threefive nine three four two will get you
in to us. You're listening tothe BEB Johnson Show on w d i

(17:15):
A. You're listening to the BEBJohnson Show. That's you BEV on w
d i A. You're listening tothe BEB Johnson Show. Here's Beb Johnson

(17:56):
and we're talking with mister Willie Jacobsof Jacob's Final Expense Agency, and we're
talking about that final expense plan andwe're talking if some old somebody is confused.
What you want to happen to youis Willy would say, when you

(18:17):
when you when you take that lastbreath, who's gonna take care of you?
Somebody? Somebody is smartbody, Igot it all taken care of.
Well, you may not. Andone of the things that with your final
expense plan, you all help peopleplan it out. That's it, Bill,
And that's the difference between us andother companies. Okay, okay,

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you know the plan. The thingis when most people, when something would
happen to most people, the traditionalthing for them to do is to go
sit at the kitchen table. Bellright, right, yeah, yeah,
everybody sit around, so well sheI think she wanted to do this or
I think that or know she wantedto wear no no her favorite colors,

(19:02):
but she didn't want that color forher funeral, and she wanted to you
got me. I got it.And they fall out over two things,
what that person wanted and how muchmoney they left her, right, you
got me? They fall out wellwith us that that will be totally eliminated
because that person will do their finalwish A and their final wish B sheet

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with us, and on both ofthose sheets it explains out clearly she or
he explained clearly what they want todo and how they want everything done.
Okay. By doing this, itreally takes away a lot of confusion.

(19:47):
Okay. And so what we do. We do the funeral funding through the
company, the number one final experiencedcompany that we use, and we do
funeral funding through the companies that weprovide that funding for the funding and the
planning through two different entities. Okay, bab, that is how you do

(20:10):
your final needs. Okay. Thatway nobody will be confused about what you
wanted, how you wanted, whenyou wanted it, and where you want
to go. Okay, that's theway you do funeral funding and funeral planning
here at the Jacobs Finally Expense Agency. So please give us a call at
nine zero one two six zero twentythirty five. When when Willie was talking

(20:33):
earlier and you were talking about peoplegoing out, and Willie he likes have
fun like I like everybody else.But also you need to also have your
priorities in order. Okay, Ican have fun. Here's my money to
have fun. Yeah, but hereis my money that's gonna take care of
me. If something happens there yougo, there you go. I'm not

(20:56):
knocking nobody go. I It's justsomething I don't do anymore because bab I
did so much when I was younger. You know, I did it,
man, I did it up.If you talk about bb but I went.
I left when I left school.I was at Jackson State and d
I love yes, ma'am And Thursdayevening after class, I'm gone to New
Orleans. We will. We suredid, because we would go to New

(21:18):
Orleans. And in a heartbeat,is ma'am, go to New Orleans and
I wouldn't be back to Monday eveningor Monday morning, one of the two.
Okay, if I came back Mondaymorning, I would go to class,
right, But if I came backMonday evening, I missed class.
That's right, you got me.I got Now, my mama didn't know
about that, right, but I'mletting you know that's what That's what you
did then. Yeah, but Idid a lot of party in after school.

(21:42):
I partied, so you know,No, I don't have to party
now. And plus it's so dangerousnow in Memphis, Tennessee. So hey,
guys, I'm telling every last oneof your ladies and gentlemen, please,
if you're under the sound of myvoice, and you know anybody that
may not have those services, pleasemake sure you say something to them,

(22:03):
because they're gonna knock on your doorwhen something happens. They're gonna be asking
you for a service, for help. Okay, so you may as well
now just go ahead and make themhave them to go ahead and make that
call of nine zero one two sixzero twenty thirty five, so that they
will have their needs met as wellas you got yours met. Okay,

(22:25):
So please give us a call atnine zero one two six zero twenty thirty
five. I have this email fromAndrea Willie and she wanted to know is
that getting a final expense plan?Do I have to come into the office
or can you take care of itover the phone? Andrea? Okay,

(22:47):
very good, Andrea, very goodquestion. No, we have two ways
of taking care of Andrea. Wecan have you to call us, or
we can call you and we cango ahead and take care of all your
needs right over the phone. Okay, that's what we can do, or
if you would like, because somepeople be up they like to see the
person that they're dealing with. Okay, so right exactly. And so what
we'll do, We'll set an appointmentup to come out to your home or

(23:11):
meet you wherever you say, whateveris it's a safe for you, okay,
because I've met plenty people at McDonald's. I met him at Piccadillies,
I've met him, you know,I just met him at different places because
they want to meet on neutral ground. Okay. And uh, but we
can also meet you at your home, so either one, but we would
definitely are love for you to definitelycall and set that time pulling up,

(23:37):
whether it's in home, whether it'sover the phone. Okay, how long
once they set the appointment, reallyand you get the plans. How long
does it take for the plan togo through? It? Is it gonna
take a couple of weeks a monththat that that they will have the plan?

(24:00):
Good? A very good question.It's corner type of plan you have.
Most of our plans are day onecoverage, okay, Oh, day
one, day one coverage, meaningthat once you come in and do business
with us, or we come inyour home and do business with you,
or we do it or even overthe phone. Then as soon as that
first payment is made and it clears, then you're covered. Then you're covered

(24:21):
right away. Okay. So that'swhat we call our preferred plan okay,
And that's our preferred plan, dayone coverage. We also have another plan
which is our mortified plan okay.And that modified plan, you remember,
it pays for individuals who have medicalissues. Those medical issues may be one
where they you know, you haveno control of them, or however,

(24:45):
the company will pay you. Ifyou are a person that's forty nine or
under, then the company will payyou the first year all the moneys you
put into the policies the first year. If something happened to you that first
year, they'll give you all themoneys you put plus ten percent, so
that if you died that first year, you would never you will not lose

(25:07):
a dam. But you have medicalissues where nobody else will cover you,
but we will. So if somethinghappened you the first year, we'll give
you all the moneys you put inplus ten percent. Now, if something
happened to you the second year,we'll give you all the moneys that you
put in for year one and twoand give you twenty percent plus all the
money you put in. Got me. Then, if something happened to you

(25:30):
the third year, we'll give youall the money you put in plus thirty
percent. That's a person forty nowunder a person fifty or older. Then
you don't only have to go totwo years, okay, but you can
never lose So let's say if aperson had a medical issue bay up and
they couldn't get insurance coverage from nowhereelse nowhere, but they did it with

(25:53):
us, and they and something willhappen to them in those one, two
or three years, I think,guess what, They won't lose a dam.
It's just like they put money intoa Savis account, okay, and
got a percentage for it. Yougot me, where if you didn't get
anything, you wouldn't have that moneysaved, nor would you have gotten a

(26:14):
percentage. Okay, so that's ourmodified plan. That's not today one.
That's not the plan. That's notI preferred plan, I preferred plan.
It's day one coverage. It's somethinghappened to you. If you that check
clears the next two weeks, thenext three weeks, the next month,
guess what, we'll pay that fullamount for you day one. So so

(26:37):
that so again, something happened tomodified plan. Exactly. You can modify
it. If you have a healthissue, there you go. If you
have health issues, that's that youdon't have no control of. Some people
have heart issues, some people havekidney issues, some people have COPD.
Right, those are issues that youknow, you know, we can't do

(27:00):
anything about. We can treat it. However, you got it. We
can't help that you got it.But if you do have it, we
will cover you. However, it'sgoing to be on those terms based on
your age, Okay, and andbesides that, otherwise you can get the

(27:21):
same day coverage. You can getthe same day coverage, day one coverage.
Or if you have no issues,no medical issues at all. As
soon as you make that first premiumbe first payment, bam, you'll coverage.
Okay, and that's what that's whatmost of us need. Everybody,
everybody needs that. But what wouldI modify? Beil, that's a good

(27:42):
plan because guess what, nobody willcover you. Nobody will cover it,
but we will and you can't lose. So either way, either way,
you don't lose. Okay, Butcall us and find out where you stand,
right, call us and find outwhat your situation is. So tell
us about what you you might thinkthat you might fall under the modified plan.

(28:06):
You might not even fall up underthat because we cover people who have
high blood pressure of diabetes and theyfall under day one coverage. You got
me, So call us at ninezero one two six zero twenty thirty five.
That's nine zero one to six zerotwenty thirty five, Willie. Can
you also cover somebody who is aheavy smoker and we you know people they

(28:33):
still smoking, They still smoking alot, Hey, bib, that's a
good question. People still smoking,they're still smoking. Call What we have
built for those individuals are what youcall smoker rates. Okay, you have
none smoker rates and you have smokerrates they will fall under the smoker rate.

(28:55):
Okay, it cost them a littlebit more. Okay, however,
we still will be able to coverokay, okay, yeah, because I
know some some plans and policies,and they asked you if you're a smoker,
is gonna na We're not messing withthat, messing with you exactly.
You know, our policies say itsays are you a smoker? And that
does not mean marijuaa Okay, yeah, I mean smoker tobacco. Okay,

(29:19):
So yes we can cover you.Okay, good, good, And so
keep that in mind. If you'rea smoker, you can get covered,
and but it may be a littlehigher because you do smoke exactly. But
most people. One of the thingsthat people ask us is it affordable?

(29:40):
Right? And I know that wasthe next one you was gonna ask.
Yeah, that was coming out ofmy mouth. The big A word,
the big A word. Is itaffordable? Yes, it's affordable. And
the only way you know is justhow affordable it is is callers call us
at nine zero one two six zerotwenty thirty five. Tell them what your

(30:02):
budget is. Tell them this thisis the most that I can pay per
month? Okay, and how muchcan I get for this amount? Okay,
go and look at what you haveavailable, because you know people have
hundreds of dollars left each month.Okay, after you pay the bill,
yeah, okay, take fifty orsixty or seventy dollars out of that and

(30:23):
put two or three hundred dollars andput it on your fine expense needs.
Because you don't want to leave anybodysaying, you know what, she show
shopped a lot, but she showedand had no insurance when somehow, you
know what I'm saying, you lefthere leaving all of us. Look at
all these clothes in here. That'swhy she couldn't pay no bills because she

(30:45):
shot you got me, I gotyou. You don't want that, said,
no, you can. You canshop and pay your fine expense needs.
Okay to your drop, you gotthat right, you understand, But
pay your fine expense problem. Seeeach and every month call us at nine
zero one to six zero twenty thirtyfive. I'm going to our phone lines,

(31:07):
Willy Jacobs to see our listeners havequestions for you. W d I
a Hi caller, Prince Charles.How you doing this? I'm doing wonderful,
Prince of the jewel. I lovethe way you say my day,
mister Jacobs. Fine, how youdoing, my brother, I'm doing.
I'm saying, I'm on the topshow. Thank you for asking. Let'ten

(31:30):
take up this is some question Iwant to ask you doing that. I
have cheerdren. Okay, but thereI'm going. I don't call them cheerdre.
But you get what he's saying.Yes, what if I wanted to
take a policy on my cheerdree?Can I do that? Oh? Well?
Yes? So they don't? Ye, yes, sir, you can.
You can. Only the only theonly thing that we ask you to

(31:51):
do is make sure that those kidsagree to it and that they are here
with you. Okay, we can'tdo it while they are way. We
have to do it they are herevisiting you. What what you mean why
they hear when they are visiting you? If they live here in the city,
Yes, no problem. Just havethem to be present when we do

(32:12):
the plan and they agree with it, okay or get they have to sign
off to it, just signed offand saying hey, yeah, it's okay
for me for my father and motherto do to get a plan on us.
Yes, and my second place continuedis Jacob, is that you know
I always love this materiire because youbring greater in faults. Thanks. Have
you ever considered bringing someone from thefuneral home to sit there? Because I

(32:36):
had them very a love on relativeand I noticed how expensive funeral homes are
and I never thought that it'd bethat expensive just purchase just to bury someone.
And I just go ahead. I'msorry, no, no, no,
go ahead, I'm sorry, goahead, no no, And I'm

(32:57):
saying to myself, when did youget to the point where having a loved
one die, who has died andgo to the funeral home and they charge
in anywhere between five and ten maybefifteen thousand, depending on what type of
funeral an individual warning, you're justwondering, well, can we have somebody

(33:17):
to come from the funeral asking thequestion why they why they charges? Telling
what it is just so damn hot? You would you would think that when
a person pass it wouldn't be thatexpensible minute the buryss someone. It's not
cheap, No, no, it'snot. But but but Prince, you

(33:38):
have to keep in mind they arein business right right, the business agree
with their business. They're in businessto make money, Prince. But the
thing about it. That's what wedo. What we can do is offset
that. It's by getting a finalexpense plan. Okay. See when you

(33:58):
when we talking about spending, can'teight to ten fifteen thousand dollars for a
funeral and you paying sixty to eightyto one hundred dollars a month for the
plan and something happens. Guess what, you in good shape because you don't.
It don't matter if they charge youthat much because you got a plan
to take care of it. Okay. However, the good thing about us,

(34:21):
we have someone that will help younegotiate the price with the funeral homes,
okay. And that is a goodthing as well, because they know
that who we are. They knowthat we pay within twenty four hours after
receiving the death certificate, and theyknow we're the number one fine expence company
in the nation, and they likedoing biddings with us because they get paid
right away. Yes, sir,so it's a good thing to team up

(34:45):
with us. I really appreciate it. I really appreciate the knowledge of the
best. Once again, thank youagain. I want to just say hello
for my brother see se lay toPee King Harry on the rest of the
day people, the san you gothappen. Thank you? Bye bye,
w d I a hey caller,Hey bear, Hey Beverly. I'm doing

(35:07):
well today in yourself? Fine?How mister Jacob, are you fine?
I want to tell Prince Charles thatyou also have the right you can do
what's called kind of like shopping,because isn't there some type of law that
says if you request, uh,what is it the charge is from a

(35:30):
field home, that they are requiredto give that to you. What what
is it? Something like like ifyou visit a feel home and you ask
for a charge sheet, that theyare required by law to give that to
you. M I don't know exactlywhether a law or not, but if
you it may not be law,but thank you. It's something in place,

(35:52):
if I'm not mistaken. If yougo by there and request a price
of a certain film and tell themyou want you want to stay and stay
at a certain level, they cangive you the price on what their funeral
would cost you, right, andyou can go to others you can carry
a comparison shopping. I mean,I'm not talking about at the time of

(36:13):
death, right do it, butI'm talking about beforehand, and that gives
you like a general ideal or youknow, where different funeral homes stand.
But what I called for was aquestion mainly Prince Charles when he brought that
up, and I just remembered aboutthe you know, kind of shopping around
beforehand and get a general idea.But I want to ask you on the

(36:38):
premiums for a final expense policy moreless or equal to like a regular life
insurance policy. Okay, that's agood question. First and foremost. We
are not the highest, we're notthe lowest, but we're right in the
middle, okay, And that's whatwe like for you to That's why we

(37:01):
always have people to call us oror for us to sit down with you
to go over every single thing andlet you let us explain to you what's
the difference in that person who mayhave a real inexpensive plan and as opposed
to a person who have a higherplan and have and then look at what

(37:22):
we have for you, so you'llbe able to look at the difference of
the three different types of plans.Okay. So yes, I guess what
I'm kind of asking is if you'vegot a life insurance policy. Okay,
let's say you've got a life insurancepolicy and say I'm gonna just throw out
bigger I'm gonna say one hundred thousanddollars, right, Do you really need

(37:46):
a found expense policy too? Isthat kind of duplicate? No, ma'am,
that's a good question. Now,most of the people that we write
have insurance already. Think about it. They have life insurance already. Because
the mouth that you're talking about,that's amount to leave with the loved ones
because they are gone, their incomeis now it's not going to be replaced.

(38:10):
That is to help on the incomethat they were bringing into the home.
Okay. A find expense plan isjust for you to take care of
the final needs like your burial andyour funeral. Now, you could take
part of that money from that proceedsor that proceeds or that policy. You

(38:31):
could do that. However, wedon't suggest that because why should you do
that, because you're going to beliving on or that money is going to
be helping you to sustain your everydayneeds. Okay, So what we do
is have a small find expense planjust to take care of the funeral arrangements
so that five thousand and eight thousandwhatever won't come out of that one hundred

(38:54):
thousand, you can do something elsewith that portion, And the amount that
you pay for that small five toeight thousand dollars is not nothing compared to
the plan that you have in placealready. Plus by doing business with us,
you get that funeral would get takencare of right away after twenty four

(39:14):
hours after receiving the death certificate,where that one hundred thousand dollars policy may
not get be paid to you forweeks. Well, you know, sometimes
I've heard of instances where there's along delay and doctors or hospitals or whoever
sends out the death certificate. Sometimes, you know, I've heard of instances
where they can't catch up with thedoctors to sign death certificates and people are

(39:37):
left stranded. They can't proceed withhaving funerals for their loved ones because the
insurance cos it won't pay until theyget the death certificate. Where you know
what that is. Insurance companies probablythat the funeral home is not used to
but if they're used to you,if you dealing with the number one finding

(39:57):
expense to company in the nation,they know about it us. They know
that we pay well and we gota client that we been that that we
have down there, and they askus about that client and we we tell
them, hey, that's a goodclient. She's been paying for such and
such a time bam, and shehas no issues. And they look it
up and they find it there's noissues. A lot of times we will,

(40:19):
uh, our company will go aheadand take care of the funeral and
be responsible for the money before it'sbeen before we even get the death certificate.
Okay. That's a lot of thingsthat we do. That's that's what
made us number one by doing thingslike that. It's one last question,
no problem, Uh, is yourcompany or are there just a limited number

(40:42):
of companies that sell final expense insuresor or I know there's a lot of
life insurance companies, but what aboutthose that sell found expense? Do they
do both or is it just certaincompanies that do found expend No, No,
you have a lot of companies thatdo do fine expense Okay Oka,
yes, ma'am. But we'll justwe're just the number one fine expence company

(41:06):
in the nation. Yeah, thebest. Okay, that's what they told
us. So would you please dome a favor if you have someone if
you want to give us a calland if you want to take a look
at it yourself, give us acall at nine zero one two six zero
twenty thirty five. Until my,my, my waiting agents there that is

(41:29):
waiting for you. Tell them Isent you and make sure they take care
of you. Okay, all right, thank you so much, thank you,
Thank you, Beverly, thank you, bye bye bye bye w D
I a high caller. Hello,Yes, yes, you're on the air.
Yes you are. Hey, Ohmy god, thank you, miss
miss Bels Johnathon. This is thisis the guard that you met out there

(41:52):
at the Okay, okay, yeah, ma'am, thank you for shouting us
out. I am with base realcasket, ma'am. They called her name
is Larry Chase. What they callme Uncle Larry? How you doing?
I remember the uncle, but Icouldn't get the uncle apart. Ma'am.

(42:14):
I just thank you for just puttingus altum on the air. Ma'am,
Hey, thank you, Uncle LaiirMy my my my cousin, Damien.
Damien is in from Jackson, Mississippi, of Jackson's Funeral Home. I know
you know who he is. Iknow, yes, sir, yes our
service, Yes, sir, yes, sir. I know, and my

(42:36):
mom used to work with you allsome time ago before she got ill.
Her name was Leslie Burnett, andshe used to come up there sometime and
get caskets for from you all fromDamien because she was working the Damien's Uh
funeral home. So I was justletting be up. No, I'm very
familiar with Batesville caskets. Yeah,I just didn't know where you were.

(42:57):
We're number one, yes, sir, in the nation right now, and
I just wanted to give a testimony, if it's okay, missus bel N
Larry, Yes, ma'am, thankyou so much. I came to mister
Jacob through listening to him on theradio over the last few years he's been
with us. Mister Jacob. WhenI came to him, I had a

(43:21):
pre need with Southern Life Insurance outof Jackson, Mississippi, which I'm already
set with my entire family. I'vehad a pre need with my family since
nineteen eighty two. That's including everythingprepared my plot. There's nothing left out
there that I need to pay for. I even have my own fear on

(43:43):
home that will be picking up myremainder. I came to you mister Jacob,
I think that two years ago andI got a chance to speak to
one of your agents and Anthter.We spoke and found out what I had
and everything I was able to increaseand get a little more life and I
mean a little more insurance to y'all. So I do have a policy with

(44:04):
you are mister. I think I'mgoing on my third year. I appreciate
listeners if you're out there. Thisis very important, something that we don't
really talk about. It's something thatwe kind of put on the back burner.
But as always, the Bible saysshe was a man lived, he
shall die. So uh, ifthis is something that you don't want to

(44:27):
leave on your loved ones, they'rehaving the issues already in life, and
but to just go out and andleave them with your remains, that's very
important. And and thank you againfor listening to me, missus Bell,
and very grateful. You are sowelcome, Uncle Larry, and it was
a pleasure meeting you at the Bluesfestival. And thank you for listening.

(44:52):
And tell all your guys I saidhello, all right, thank you,
thank you are welcome miss Bell workBank and you too, thank you.
Bye bye bye bye. Oh thatwas nice. See what he thought.
I told you I met somebody Icouldn't think. I couldn't mean, I
couldn't think of the name. ButI did get the uncle I didn't.

(45:13):
I didn't doubt to be, Ididn't doubt. We certainly appreciate un But
he gave him a good Uncle Laddgave a good testing. He did.
He did. I kind of rememberhim now because yeah, I remember him.
He did have all everything laid out, and I told him, I
said, but now if you wantto get some extra coverage, right,
that will be able to so theywon't be out of no money at all.

(45:36):
So you're telling listeners you can getextra cover. Yeah, because see
what he had was a pre needthat he had his policy already paid up.
Okay. Pre need is when yougo into a funeral home and you
you look at what you have,what the display that they have, okay,
and you pick out the casket andall the services that they offer okay,

(45:58):
And they say, okay, thissir, services in this casket and
all this style that you want,It's gonna cost you twelve thousand dollars.
And you said, well, canI get it for anything different than we
Okay. The best I can dois ten thousand. Okay, and you
say okay, and y'all agree toit, and you pay one hundred dollars
a month. I'm just giving yourfigure one hundred dollars a month, and

(46:19):
you pay all the way up untilyou have paid that ten thousand dollars.
Now you have paid for your entirefuneral. You have actually even went out
there where they bury people out andpaid for the little spot, the little
plot. You paid for all that. Right, Yes, you don't have
anything to worry about you except foryour funeral that is already covered. Everything

(46:44):
is done, your whole everything isactually done. You paid for it,
so now you just waiting for thattime that is a pre need. However,
that's a person that's blessed to knowit that he went from year one
to fifteen, or you're twenty orwhatever, how longly ever it take him
to pay that ten thousand dollars.Okay, But what about the individuals that

(47:08):
when they get a plan like thatball and something happens before they paid it
ten thousand? Who's responsible? Gotcha? Who's responsible? If you don't get
a chance to pay that ten thousanddollars off to the funeral home. Your
loved ones is still responsible. Soif you only pay four thousand dollars and

(47:32):
you owe six thousand more, thena loved one still would have to pay
that six thousand dollars. So apre need is not something that is guaranteed
for you. So you need toget a fine expense plan to go along
with, you know, to goinstead of a pre need, because you
don't need a really a pre needif you get a fine expense plan,

(47:54):
because it's something happening to you dayone day, ten day, twenty all
year from now, we got youcovered. So please give us a call
at nine zero one two six zerotwenty thirty five. We appreciate that.
Who's that doctor Larry at Baseville.We appreciate him so and so very much

(48:15):
for giving us that giving you thatinformation, and we did have a great
time when we did. I didtalk to him years ago and now I
definitely do remember who he is,all right? Any other last words you
like to say this day on whatkind of day is this? Bell?
It's a serious Tuesday, Willie JerrusTuesday. I hope everybody has the listeners

(48:40):
that we've had listening to us today. I hope you all take it very
seriously and don't procrastinate or put itoff any any longer. We love every
last one of our listeners. We'vebeen doing this for over seven eight years
here at wd IA and BIB.I had for one other person, do

(49:00):
you know Joe Marshall. Joe Marshalland from Jackson, Mississippi. She talks
to you all the time. Youwent to Jackson State together with Tommy Marshall.
Tommy Marshall was my boss exactly.She called me the other day Bell
Joeanna told me to tell Bill hello. She said, I hear you all
all the time on your show,and it's a shout out, hey Joe,

(49:22):
what's going on? And Tommy?Yeah, Tommy was my program director
at w k XIE. W kx I showed you us when I was
in Jackson, Mississippi. W kXIE was the station, and I don't
know what station. Joby Martin wason? Was he on? Joby was
on? Okj OKAJKJ Yes, whichwas keep it keep it? Uh?

(49:44):
Joe? His his his thing wasI forgot straight ahead, straight ahead yea.
As a matter of fact, Iworked for w O kJ and j
your Ma you're Joby Martin. Yeah, exactly, so Joe told me.
Joe, Joe told me to tellyou hello. But Joanne was a good
friend of mine, her and Tomfor years back at Jackson State and me
and Jackson and we love them verydearly. But y'all, guys, please

(50:07):
if you would make sure that youdo every single thing in your power for
those individuals that will surround you,your family members, that everybody get covered
so you won't be help, soyou won't be holding the bag when something
happened. It's very very impoorant,y'all. Y'all know how things are happening
now. Love. Everybody's one ofyou and there's absolutely nothing you can do

(50:30):
about it. And we'll see youat the top. And your number is
the number is nine zero one tosix zero twenty thirty five. That's nine
zero one to six zero twenty thirtyfive. Tell him I sent you.
That's mister Willie Jacobs of the JacobsFinal Expense Agency. Thank you callers,

(50:52):
thank you listeners for joining us thisday on the BEV Johnson Show. We
do we really do appreciate. Sountil tomorrow, please be safe, keep
a cool head, y'all, don'tlet anyone steal your joy. Until tomorrow,
I'm Bev Johnson, and y'all keepthe faith. The views and opinions

(51:17):
discussed on The Bev Johnson Show arethat of the hosts and callers and not
those of the staff and sponsors ofwt IA.