May 6, 2025 • 42 mins
We are Asking the Expert with Final Expense Planner Willie Jacobs of the Jacobs Final Expense Agency on The Bev Johnson Show on WDIA Radio.
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Episode Transcript
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Speaker 1 (00:00):
Bell, tis times talking and home away, help you go,
you go?
Speaker 2 (00:09):
Don't getting ready.
Speaker 3 (00:11):
His time?
Speaker 2 (00:17):
Let's go bell.
Speaker 1 (00:19):
Will make Gordy by here on talk d.
Speaker 2 (00:26):
To listen to one to say, you know it's time
for the.
Speaker 3 (00:31):
Belt of show, time of the mountain show Lucky.
Speaker 2 (00:36):
Let's go.
Speaker 3 (00:38):
We are rocking and rolling on this Tuesday, May sixth,
twenty twenty five. Enjoyed this fababulous day to day back
in the house. Yeah, yeah, to talk about our final expenses.
Speaker 2 (00:52):
He is the man.
Speaker 3 (00:53):
He is the man, Willie Jacobs of the Jacob's Final
Expense Age and see welcome back in good afternoon.
Speaker 2 (01:03):
Willy Jacobs. How are you my brother?
Speaker 1 (01:05):
Hello, beb How are you today?
Speaker 2 (01:07):
I'm holding I'm holding brother.
Speaker 1 (01:08):
I see you are I see you? Are you looking
mighty well over the at the bell?
Speaker 2 (01:12):
Thank you?
Speaker 1 (01:12):
Will I tell you the truth? You do you have
a date afterwards?
Speaker 4 (01:17):
Date?
Speaker 1 (01:17):
Okay, you're looking way up.
Speaker 2 (01:23):
Hey, Willie.
Speaker 3 (01:24):
This is my birthday month, so you know I celebrate
the whole month.
Speaker 1 (01:27):
That's a blessing in it.
Speaker 2 (01:29):
It is a blessing.
Speaker 1 (01:29):
It's a blessing to be on top instead of the bottom.
Speaker 2 (01:33):
Hey, hey, you got that right, brother.
Speaker 1 (01:35):
But guess what Bell, when you get ready to go
to the bottom. You need to have a plane.
Speaker 2 (01:40):
You need to have a plan.
Speaker 3 (01:41):
So Willie, you are here to tell us about that
plane you need to have.
Speaker 1 (01:45):
That's right, beb Hey, BB, this is Willy Jacobs. Everybody again,
we thank you for listening to us today. This is
Willy Jacobs with the Jacobs Finally Expense Agency. Well, we
come to you each and every Tuesday, Okay, each and
every Tuesday, first Tuesday, is that right, Bell, the first
Tuesday of each month, and we are looking to even
(02:06):
come to you even more. Bb. We we're trying to
work that out, aren't we, Bill, Yes, we are. Okay,
So what we're trying to talk to you about today
is final expense, where you won't have to worry about anything.
Is when something happens to you or your loved ones.
Is that right?
Speaker 2 (02:22):
That's right?
Speaker 1 (02:23):
So today beb. Today we called in this no Procrastination,
no procrastination time. We all often talk about it, but
procrastination is the thing that holds people back, keep them
from going ahead and doing what they need to do
right away. Okay, So we be up there. So much
has happened since since the last time I was here.
(02:45):
You know, I have been to Rome, Italy. What, Yes,
since the last time we talked, brother, Yes, tell me
you were going to room I told you Bill, Yes.
You know you're getting a little older, so you probably forgot.
Speaker 2 (03:00):
Did you get a chance to see the pope?
Speaker 1 (03:02):
The pope had passed away.
Speaker 2 (03:03):
He had passed on the way get a chance to
see the pope?
Speaker 1 (03:06):
We we it's a lot of things, you know, they
closed down a lot of streets. You know, the company
that I represent, they flew my wife and I out
there every year we go on a company trip. This
year it was in Rome, Italy. So we really had
a great, great time out there in Rome and saw
(03:27):
so many different significant, significant things that we read about
and we've read about in the past, and we had
that opportunity to go out there and take pictures and
actually get the history on most of the things that
we've heard about. So it was really a fantastic trip.
Speaker 2 (03:46):
Good good, So you got to see a lot of.
Speaker 1 (03:48):
Things, got a chance to see a lot of things,
take a lot of pictures, and put our hands on
things that we had really read about, you know. So
you know, one of the churches we didn't too. We
didn't get a chance to get to go into the
Vatican because you know, they had the funeral going on
that Friday, and so what we did get a chance
to go around it. You know, Yeah, it's nothing but
(04:10):
bricks all the way up from the bottom to top.
You can't go in there, you can't sneak in, you
can't break break in or out. So it's really something
to behold. So it was a very great experience and
something that our cherish forever.
Speaker 2 (04:27):
Wow.
Speaker 1 (04:28):
Yeah, So what we want to do bail is talk
about not being procrastinated anymore. People put things off, okay,
thinking that they have time enough to really really do
what they need to do. But my question to most
people when they try to put it off, can you
tell me that date in that time when you go
(04:51):
to pass away, can you tell me that time? So
why would you put it off? Why would you put
off today, which I mean tomorrow, what you can do today?
So we're gonna tell you what we offer here today, okay,
And when we tell you this, you need to call
us at nine zero one to six zero twenty thirty five.
(05:15):
That's nine zero one to six zero twenty thirty five,
where we have qualified agents waiting for you to answer
any questions you want to want and also to be
able to take care of your needs, you and your
family needs. Okay, all right, so it's nine zero one
to six zero twenty thirty.
Speaker 3 (05:34):
Five before you start talking about the final expense plan.
And like we said, Willie, you've been coming on my
show for a while, for some years telling people about
final expenses what they need to do. And as I noticed,
with matter of fact, I was talking to a young
(05:55):
man this morning.
Speaker 2 (05:58):
Who was saying, you know.
Speaker 3 (06:00):
Johnson, he said, it's so crazy out here now. He says,
every day they wake up, somebody's been shot. Somebody's been
killed every day, every single day day, Willie, it is
something we hear about a tragedy.
Speaker 2 (06:15):
Somebody has lost their life exactly.
Speaker 3 (06:18):
And I'm sure nine times out of ten those folks
that are gone, they don't have any insurance, the family
doesn't have it, you and they're thinking, like lord, how
we're gonna.
Speaker 2 (06:31):
Bury this person.
Speaker 3 (06:34):
It is meant because every day somebody is losing their
life exactly.
Speaker 1 (06:40):
And Bill, think about this. You have hard working mothers,
hard working grandparents, we have saved up for their retirement,
and their grand kids go out there and get killed
and mother don't have insurance on right, and they end
up having to help come out of their bank account,
hard working year after year, moneys that they've said to
set aside for their retirement, and they end up giving
(07:03):
that kind of money up, and some of them put
their houses up, yes, to bury someone, someone that goes
into their savings, their retirement to bury someone, which puts
them in a situation where they now have to go
and come out of retirement and start working because they
went and sacrificed for their grandkids. And it don't make
(07:27):
any sense. You're being very selfish when you go out
and you don't get protection for you and your loved ones.
So all you have to do is call us at
nine zero one two six zero twenty thirty five and
we'll help you and walk you through the plans that
we have. Okay, and they start bare up, some of
the plans can start. It's a little that's fifteen dollars
a month.
Speaker 3 (07:48):
And when I hear you say that, Willie, that's not
a lot. That's not a lot for people to spend
the money. If I mean that's all they can afford.
Speaker 1 (07:57):
It's all if that's if they qualify if.
Speaker 3 (08:00):
You're qualify, and that's all. But at least think about
fifteen dollars a month. You probably eat that up in
a day or more than that, exactly that you can
have that when that loved one is gone where it'say,
at least I have a policy.
Speaker 2 (08:14):
You know, I can be able to bury them.
Speaker 1 (08:17):
Yes, and you won't have to leave that person in
any negative situation at all, okay, because you took care
of your responsibilities while you were here. Okay, So please guys, look,
all you want, what we want you to do is
do the right thing. Just do the right thing. And
you know the right thing to do is some of it.
(08:38):
Some people Bill listen to us consistently and still had
not made that move. But we want you today. Don't procrastinate,
don't put it off. Call us at nine zero one
two six zero twenty thirty five. Okay. Now, we have
plans that can fit pretty much anybody, Bill, anybody, Okay.
(09:01):
First of all, we have the fine expense plan, which
was day one coverage. Okay. That is a final expense
plan from one thousand to up to thirty five thousand
dollars okay, and we know that it don't cost thirty
five thousand to bury you. Okay, but some people, some
people like to get more than what they actually need. Okay.
(09:22):
So you can get a plan up from one thousand
to thirty five thousand on our final expense plan, and
that's day one coverage for those of you who don't
have any medical issues. Okay, that's fine, our find expense plan.
Then you can have a twenty pay which you can
cover your loved ones and you can cover your grandkids.
You can cover your kids, you can cover yourself if
(09:44):
you're a younger couple. Okay. However, that plan you can
pay for twenty years, and that plan is paid up
after twenty years. You don't have to pay anymore after
twenty years, and you still have a plan. It's from
a thousand to thirty five as well, okay, and it
starts day one, day one coverage, and it's for those
(10:05):
individuals who don't have any medical issues. All right. Then
bel you have your modified plan. Now, this is for
individual who may have medical issues and have been turned
down by other companies. Okay. You got a lot of
people out here that they as overweight. Bel companies don't
(10:25):
even take them because they're overweight. Some companies don't take
people because they have heard issues. We will take you.
Some people can't be taken with the companies that maybe
have kidney issues, but we will take you, okay. And
the thing about it is that you would never ever
(10:45):
lose a dime even if you got with us or
had a plan with us, because if something would happen
to you within the first year or two, we would
give you all your money back plus ten percent first
year or two okay, first two years. After that second
year you get one hundred of what the plan is. Okay.
(11:09):
So you really need to call us at nine zero
one to six zero twenty thirty five and let one
qualified agents tell you exactly where you stand, and you
just give them the information of what you really want
and they'll tell you exactly the best plan for you, okay. Right.
Speaker 3 (11:25):
And one of the things that you were mentioning is
that some insurance companies really won't take you because if
you have this kind of medical condition going on or
issure going on. But the only time you're saying that
you all can't take anybody is with what.
Speaker 1 (11:43):
Okay, the only way that we cannot ensure individual veil
if you are HIV positive, if you have AS or
HIV positive, if you bedridden okay, or if a person
is incarcerated, if you in jail or well, and we
cannot ensure you at the time. Now, if a person
(12:03):
comes out of being incarcerated, okay, and he's out, then
we can ensure that person. Okay. So hey, grandmother mothers,
you know your son is incarcerated, but he's getting out
next week, make sure you get him a planing, okay,
because the following week he might be right back in there. Okay.
(12:28):
So we have something about you know, we have situations
like that, they in and out of jail, in and
out of jail, in and out of jail. They just
hadn't figured the things out yet. Okay. So if that's
the situation with you, make sure you cover your loved
one so that you're at burden won't be on you
when something happened to him. Okay, all right, give us
(12:49):
a call at nine zero one two six zero twenty
thirty five.
Speaker 2 (12:54):
And with that, I don't know if we've talked. I mean,
when when you first come on the.
Speaker 3 (13:01):
Show, Willie, we were talking about people buying cigarettes, but
I know they spent on package, but I was thinking that.
Speaker 2 (13:10):
Can you can you take a person who's a smoker.
Speaker 1 (13:13):
Yes, we can, but Bell, you know, at the time
I talked to you about that's been over almost ten
years ago. Nine years ago, I think cigarettes were seven
dollars a pack or six seven dollars a package.
Speaker 5 (13:24):
I hear.
Speaker 1 (13:25):
Now the cigarettes over ten fifteen dollars a pack. Now,
it's unbelievable. But if that's the situation, Bill, think about this.
A lot of people smoke a pack of cigarettes a day,
and if it's ten dollars a day, huh, ten dollars
a day times seven days a week's seventy dollars, right,
(13:49):
my god, seventy dollars times four seven, fourteen, twenty one.
That's two hundred and eighty dollars a month in cigarettes alone.
Now we take you as a smoker.
Speaker 2 (14:03):
Okay, my friend, Okay, but I hope.
Speaker 1 (14:06):
You are not one of the ones who say you
cannot afford it, because if you look at what you're
paying in cigarettes, okay, even if you paid half of
what you're saying, okay, if you was paying five dollars
a pack for the cheap cigarettes, I don't even know.
I don't know that. I don't know what they caused.
(14:27):
Even the cheap cigarettes bill, if they five dollars a pack,
that's thirty five dollars, or what week, that's seventy dollars
for two weeks and one hundred and forty dollars for
a month. Wow. Wow, And were talking about you getting
covered probably for less than seventy five eighty dollars a month.
(14:48):
Come on, y'all, right, come on, let's let's do the
right thing for our families. If one thing you want
to leave and say that, well, I know when I
leave here there no one would have to do anything
for me as far as my funerals concerned. I would
have taken care of all of my final needs. Have
(15:10):
that testimony, okay, and not a testimony of you left everybody,
you know, disarray where everybody was scrambling trying to figure
out how to take care of your final needs. Okay.
You ever had people be up who had funerals or whatever,
and as soon as that person died, everybody looking and
(15:30):
seeing who's going to give what for the funeral? Right,
everybody looking, and the person they're looking for the most
is the person who worked the hardest and trying to
have something And say something and they look at that person.
That's well he got it. Well he got it, but
he ain't got it for you. He got it for
him and his family. That's what he's working for, him
(15:53):
and his family, not yours.
Speaker 2 (15:56):
I'm laughing with it because you must have heard that before.
Speaker 1 (15:58):
Oh we got it, he got it, they always be.
They tell me in a minute, he got it, right,
you know, I'm the oldest. So he got it, he
got I feel you, he got it. I feel you, brother,
I sure you. I got it for me and my family.
(16:19):
But I was working, bear, when I was working six
seven days a week and you was partying, right huh?
Or you was out doing whatever you do and I'm working. Yeah,
I'm sacrificing to be where I am today. Okay, So
it's a blessing to be here. But we want you
(16:39):
to know that if you do this today, you will
not regret it.
Speaker 3 (16:44):
And I strongly you all recommend that you know, think
about it, think about it, stop procrastinating, think about it,
and get your final expense plan.
Speaker 2 (16:57):
Yes, I got it, Yes, I will you tell.
Speaker 1 (17:01):
I got it.
Speaker 2 (17:03):
Hey, I got it, because Willie.
Speaker 3 (17:06):
One of the reasons I don't want my family scrambling
and this and that, trying to do this and that
because I don't have children, you know, don't have a spouse,
but I have my sister and my nieces and nephews,
so I don't want no. So everything I told, everything's
taking care of you. Just find it and go do
(17:27):
what you need to do exactly. But I'm not going
to put that burden on them.
Speaker 1 (17:31):
No, that's responsibility. That's responsible. You're being very responsible. Okay.
And the thing about it, people think now because they
have these gofund means, So you know how many fake
go fund means There are a lot of them. Oh yeah,
they have so many fake go fund.
Speaker 3 (17:46):
Means supposed to be putting that go fund and folks
be sending them money.
Speaker 1 (17:49):
Yeah, and that's something. Yeah, Now, who you are? You
just want a stranger to send you money to get buried?
Who wants that?
Speaker 5 (17:58):
Well?
Speaker 3 (17:59):
Well, you know, people will ask so so many crazy things.
Speaker 1 (18:02):
You know, come on, it's it's a it's a it's
a terrible time, bill. But I promise you there's a
bunch of us left to have dignity and pride. Yeah,
you know, and that and you and we're talking to
a bunch of those individuals, a bunch of your listeners,
who has what dignity and pride?
Speaker 3 (18:21):
You know? And I say this, if you don't understand something,
if you don't understand what mister Jacobs is talking about,
we do invite you to call five three five nine
three four two eight hundred and five zero three nine
three four two eight three three five three five nine
three four two.
Speaker 2 (18:36):
You may have a question.
Speaker 3 (18:37):
While he's here, he can answer it right, you know,
because we're talking about final expensive people may get really
the two confused saying well, I have a life insurance policy. Okay,
that's good, but do you have the find that that's
going to take care of those burial needs, those those
you know, cremation because it will handle the cremation and
(19:00):
as well if that's what.
Speaker 1 (19:01):
You want, If that's what you want. But however, bail
you know what, People get a lot of things confused
when it comes to find expense in life insurance. You know,
you know, find expense. It's a portion of life insurance.
But the life insurance portion that you talk about you
already got right, Okay, most families that we sell probably
have life insurance. Okay, so that's that's not here there.
(19:25):
Life insurance that they have is for to give to
their loved ones and leave with their kids or leave
with somebody that they love and say, hey, I'm gonne.
I don't want you to struggle anymore. This is for you.
This is a gift for me to you. Okay, Now
that plan may can take care of your you'll find
(19:47):
experence bail. But guess what how long would it take
to get that plan? Life insurance policies normally take three
to four weeks or something somewhere in that neighborhood which
our find expense plans is basically just for your final
expense needs for your funeral, okay, and that is paid
with us within twenty four hours after receiving the death certificate.
(20:11):
Isn't that great?
Speaker 2 (20:12):
That's great.
Speaker 1 (20:12):
That's what you want. You want it totally separate. You
don't want to try to mix the two together. Even
though some people do have a life insurance policy which
they say, hey, I'm gonna use that for my burier. Sure, okay,
well I'll tell you what. Let's see how it happens
when something happened at funeral home, want their money. The
next day they pick that body up the funeral phone
(20:33):
wants they money right away. They don't want to wait
around when they see our company's name on something. Guess what, Beb.
They don't worry about a thing because they know they
gonna get their money. I hear they know they gonna
get that money. So please, guys give us a call
now at nine zero one two six zero twenty thirty five.
Speaker 2 (20:52):
Go to our phone lines to talk with you.
Speaker 3 (20:53):
W d I a high caller, BEB Johnson, Yet that
I'm doing?
Speaker 2 (21:01):
Why fine? This prince of the charge.
Speaker 5 (21:05):
You already know.
Speaker 6 (21:06):
I know you're on the top. Yeff, brother Porter, How you.
Speaker 1 (21:08):
Doing their Jacobs? That's brother Jacobs. How you doing my
brother brother job? I'm great? How you doing?
Speaker 5 (21:17):
Man?
Speaker 6 (21:18):
I'm on the top, Chef. I can't complain. I have
too quick questions. If I made person of all, good
afternoon to your college and Beth. My first question, is
there such thing as having too much insurance life insurance,
hold hold insurance?
Speaker 1 (21:33):
I would say yes. I would say, uh, well, it
depends on what your plant trying to do with it. Okay,
if if you feel, if you got plans that you
say this policy is for that, this policy is for
this person or this policy for that person. For you, No,
it's not enough. It's not a such thing as having
too much, because that's what you want. But if you
(21:56):
have insurances where you're you're getting insurance policies to do
the same identical thing, and you don't really understand why
you got those policies, then it's probably a good thing
for you to have someone to take a look at
what you're trying to do so you won't be paying
extra moneys out of your pocket doing trying to do
(22:17):
the same thing.
Speaker 7 (22:19):
Okay, My second question, the final question, is that I'm
always receiving mail from the bank that out of my
finance institutions, okay, and they always sit in these letters saying, well,
you can sign up for this to get accidental insurance.
Speaker 6 (22:36):
And the arrange anywhere between a hundred thousand until a
quarter of a million. But it's for accident.
Speaker 8 (22:45):
And I think a lot of people don't realize, you know,
if you don't die by accident and you give us money,
Attendant ZI, exactly could you can you explain that a
little bit further for thogs who don't understand and belt,
I'm gonna hang up and listen to my brother's peak.
Can't bel as always you have a beautiful blessings, tafe
and healthy day.
Speaker 2 (23:04):
Thank you, Prince Charles, thank you.
Speaker 1 (23:06):
Yes, yes, certainly, Prince, that's a very good question. What
happens is most in most cases, bell companies will send
out plans where they give you just an insurance for accident,
and people will jump on that, you know, because they
give it a good price. Five dollars or ten dollars
for one hundred thousand and twenty dollars for two hundred
(23:29):
and fifty thousand. And it's based on you having an
accident only. Okay, it's not. It's not a life insurance
policy per se if you die any kind of way. No,
it's a plan based on you dying accidental. So that's
not a good plan. If you get a plan of
that nature. You want to make sure you have a
(23:52):
regular life insurance policy where anyway you pass away, you're
gonna your family is gonna get taken care of. Okay,
that's what you want. You want both, okay, with even
with our plan, beab Our plan comes with a with
a an accidental death plan built into the plane. Okay,
(24:12):
So you're gonna get a barrier plan and an accidental
death playing I policies range up from you know, I
told you the regular policies is from one thousand and
thirty five thousand, but if with including the accidental death
plane involved, it could go up to one hundred and
sixty thousand. So that's why you need to call and
find out what you want. And so our agents right
(24:34):
there that's waiting for you can give you any answers
that you have. That's nine zero one two six zero
twenty thirty.
Speaker 2 (24:41):
Five w D I A Hi caller, Hi dav Hi
some man.
Speaker 7 (24:49):
How you doing.
Speaker 2 (24:50):
I'm doing well, Pat. How are you?
Speaker 4 (24:53):
I am fine. I love your guess. Okay, Jacob I
signed up listening to him. I signed up my son
for the insurance a couple of years ago, and I
was like, man, this is all right. You know, I
don't have any regrets or anything, because he's had like
(25:15):
a couple of his friends to get killed in the
last two three months. So I was like, and they
were asking, you know, folks that like you were saying
that go find me places. I was like, here we go.
You know, I don't mind helping anybody. But like I
was telling and like my mama always said, and she's
ninety one. She's I'm not gonna have nobody selling chicken
(25:36):
and fish dinners trying to bury me, you know, all
my kids. So she you know, she used to have
insurance on all of us. But I'm seventy one years old.
My mama had to stop doing that. You know, do
your own thing. Mama, were good.
Speaker 5 (25:49):
But what I was.
Speaker 4 (25:51):
Thinking, because I have my own insurance and my husband
is getting ready to retire and I'm on his insurance,
I was thinking about that the fine whole thing for me.
So is that feasible? I mean, is that possible? Because
again I have insurance, but I just had the final
(26:12):
part for him by my time.
Speaker 1 (26:14):
Okay, yeah, yeah, I'm not great. You know, I am
so happy to hear that you have insurance for your
son and everything, and you're being very responsible. I appreciate you.
And yes, you can get a plan for yourself. The
maximum the maximum age that we will cover individual it
would be eighty five. So if you get in before
(26:36):
eighty five.
Speaker 4 (26:37):
I'm talking about for me, I'm seventy one. To talk
about nobody else.
Speaker 1 (26:40):
No, I'll just give you no, I'll just give you
the information. Yeah, yeah, you definitely get one at seventy one. Yes, ma'am,
we would be very happy to have you as a client.
We since we have your son. So give us a
call at nine zero one to six zero twenty thirty
five and tell them I sent you.
Speaker 4 (26:59):
Okay, I sure will, because I told the guy that
called me, I think he called me from Saint Louis
and I told him, I said, no, I heard from
mister taking to own BEB Johnson, missus Senna see talking Okay, okay,
because somebody didn't even mister Clark or somebody called me
from I don't know, but that was a couple of
years ago. But my son is Drayden. That's only. And
(27:21):
I paid, you know, insurance from two of my four
grandkids because they Mama don't there's a mama don't talk
to me. So it's like I hate for my grandkids
to miss out. But anyway, thank you, thank you, thank you, Beb.
I love you and I love your guests because you
are such an informative radio station.
Speaker 2 (27:40):
Thank you.
Speaker 1 (27:41):
We appreciate it.
Speaker 2 (27:42):
We appreciate it, we appreciate your pat Be safe.
Speaker 5 (27:45):
Now, thank you, sweetie.
Speaker 4 (27:49):
Now I am, I am. I'm making cookies now, but
I call.
Speaker 3 (27:57):
We are talking with mister Willie Jacobs of the Final
Expense Agency. You can give us a call if you
have a question or two four will A nine zero
or one five three five, nine three four two eight
hundred five zero three nine three four two eight three
three five three five nine three four two will get
you in to us. You're listening to w d I
(28:22):
A the BEV jihow.
Speaker 9 (28:46):
You're listening to the Bev Johnson Show. That's U BEV
on w d IA.
Speaker 8 (29:10):
You know, over the time working hard to bring you out.
Speaker 3 (29:17):
Day we are talking with Willie Jacobs, who is the
(29:43):
CEO of the Jacobs Final Expense Agency. We're talking and
you heard we're talking about those Final Expense planes. Just
breaking on down those burial planes. Willy, you know would
be nice a final expense. But you know who's going
to bury your teeth? Exact I say it like that,
who's gonna bury you?
Speaker 1 (30:03):
Who's gonna bury you? Who's going to what's gonna.
Speaker 2 (30:05):
Be If it's gonna be you, that's green, isn't it will?
Speaker 1 (30:07):
That's right? Who's gonna be holding the bag? In case
you do not do what you're supposed to do. But
we want you to go ahead and do your responsibilities
right now. No procrastination, bell none at all. So please
y'all give us a call it nine zero one to
six zero twenty thirty five. There are people waiting for
(30:29):
you to answer any questions and to set up appointments
for you in your home or even on the phone.
It's up to you, okay, give them a call it
nine zero one to six zero twenty thirty five, and.
Speaker 3 (30:42):
And and and wially again when they call, call your
agents and they're they're taking information. The agents are gonna
ask them about health problems and all that. So they're
gonna they're gonna be so they might say, I mean,
do you have high pertension?
Speaker 2 (30:58):
You have a eye plug right.
Speaker 1 (31:00):
Right, and they'll know exactly what plan to put you
in based on or you know, what you tell them.
You know, they'll know exactly what what plan you need
you fit that fits you well and will be affordable
to you. Okay. And that's one good thing that we
make sure that all the agents make sure that they
give you what you need in order for you to
(31:20):
make a great decision on the plans that you want. Okay.
So these are professional individuals who who have you you
can't just be an insurance leank. You have to be
a licensed insurance agent in order to do this bail
Just anybody just can't come up and say I want
to work in the insurance industry and don't have the license.
They have to pass tests and everything to be an
(31:43):
insurance agent. So please give us a call it nine
zero one two six zero twenty thirty five for any
of your questions or for you to set an appointment
before one of out qualified agents.
Speaker 3 (31:53):
Okay, right, wud I a high caller high calling you
on the air? Well, I guess they hung up. There
you listening?
Speaker 2 (32:08):
That's okay.
Speaker 3 (32:08):
You can call me back in a few because before
really gets how to hear if you have a question
or two. As we talk about final expense, and one
of those things that we didn't talk about this time
really is that one of the things about the final
expense agency that you all the you always talk about
that you make your plans the consumer Garden.
Speaker 1 (32:29):
Yes, yes, it's called FCGS. Uh, it's called the Funeral
Consumer Garden Society. Okay uh. We partner with the Funeral
Consumer Garden Society and one of the things that we
love is the planning portion Okay. When you get a
plan with us, the next thing you want to do
(32:49):
is make sure all the planning is done prior to
your demise, meaning that you get a policy. And you
know how people get plans bay up and they don't
have no idea, the family don't have no idea of
what they really wanted. But we're not that way. We
don't operate that way. What we do is make sure
that you know exactly what you want and we put
(33:11):
it down. Okay, we write it down how you want
to be dressed, what songs you won't say, an if
you or any any special sorority, we'll make sure that
that is on their whereby because you know what special sororities.
When you go to funerals, they have special things that
they do. Okay, even if you're a Mason, they have
certain things that they do at a funeral. So we
(33:34):
make sure all that is on the form okay, and
we put into our archives, and when something would happen
to you, we take it out and we follow exactly
what your final wishes were, okay, And this is what
we do. That's the planning pustion. We're not a company
that wants something happened. The family have to sit at
(33:54):
the kitchen table and figure out what to do. Your
loved one has already written it down because Bill has
already written hers down, so she knows exactly what to
do for the loved one was gonna do exactly what
to do when she's gone, because she's already putting it right, right, Bill.
Speaker 2 (34:13):
That's right, that's right, that's right, that's right.
Speaker 1 (34:16):
All right.
Speaker 2 (34:17):
W D I a high caller?
Speaker 5 (34:20):
Hey Bill, Hey Dad?
Speaker 2 (34:22):
Just want to know?
Speaker 5 (34:24):
Yes, I just want to know one question.
Speaker 2 (34:26):
What is your question?
Speaker 5 (34:28):
Yes, sir, I would like to know message Jacobs. If
the plan has a certain amount, I'd say ten thousand
dollars bollar playing and paying the month of note. Can
let's be paid totally at one time dominate the notes?
Speaker 1 (34:47):
Okay? You can pay a few different ways. You can
you can pay monthly, you can pay quarterly, you can
pay semiannually, or you can pay a year. All right, Okay, yes, sir,
you got that, brother.
Speaker 5 (35:06):
I got it. Yes, that's why. That's why I was
trying to find out because at my age this they
and the sign played that amount or a change here
I probably would be the amount that uh that it
would that would give for a fine expense. Somebody was
(35:28):
want to know if I could just pay to see
just one flat seam.
Speaker 1 (35:33):
For the for the for the for the plan, that
I should Right, Well, my suggestion is if if you're
thinking in that way, the best thing to do is
probably pay it annually. If you can afford it, just
pay it annually, play one time. In that way, you
have built the cash value that you built up in
that plan. Uh, you know, uh, I promise you it
(35:53):
probably will outweigh how much your plan is. You know,
so it would probably you got me. So if you
pay for five years, every year you pay annually, then
in that five per year period of time, if you
had a fifteen thousand dollars policy, where you got a
fifteen thousand dollar policy plus the cash value. Man, all right,
(36:15):
I got you, You got me. So you want to
look at it that way, Yes, sir, I got you, Yes, sir,
So give us a call, give us a call, and
let us go ahead and help you out. Okay, nine
zero one two six zero twenty thirty five.
Speaker 2 (36:27):
All right, man, thank you, thank you, bell, thank you,
thank you for listening.
Speaker 3 (36:31):
Yeah, so again, so, and I'm glad that just want
to know asked that question because there are different ways
you can pay.
Speaker 1 (36:39):
Yeah, different ways you can pay. It's all based up
how you want to do your finances, okay, right. A
lot of people, you know, most of our customers, pay
on a monthly basis. Yeah, because that's the that's the
more comfortable way for them to pay. To have it
drafted just like you and our fail we have. I
was drafted out each and every month at the same
particular time. Some people, you know, they rather do it
(37:03):
on a quarterly basis, or even a six month basis, okay,
that paid so many so much for six months. Or
some people like to pay it annually, okay. So whatever
it is is, if something would happen to you annually,
I mean, if something would happen to you bad you
paid your policy annually, okay, and you had a fifteen
(37:24):
thousand dollars plan okay, and you would in let's say January,
you paid into your policy one thousand dollars for that
whole year. Okay. If something happened to you in the
second month, and you had a fifteen thousand dollars plan
and your policy was only eighty dollars a month, you
(37:46):
done paid a thousand for the rest of the year. Right,
So what the company's going to do is give you
the balance of that thousand dollars plus the thousand, fifteen
thousand dollars plan you got me, so you won't lose
anything you got. So you'll still get your money back
that you put in for a whole year. You didn't
go through that whole year. You just paid up for
a year. So it's a great it's a great question.
(38:10):
Thank you for that question.
Speaker 2 (38:10):
That was a good question. Good question. Any other things
that you want to let our listeners know, Willie.
Speaker 1 (38:17):
Yeah, BB, I was thinking about people who don't know
the responsibilities that they have when it comes down to
their loved ones, their relatives. See, some people don't realize, BB.
There are people out there who who may not feel
(38:38):
that they can afford what we have, Okay, but then
there are others who knows that you can, but if
something would happen, they are going to be holding the bag.
So if you can get your loved ones to agree
to let you take a plan out on them, them
(39:00):
just for the burier portion, so they won't be in
a situation. Because I hate to see bell, I really do.
I hate to see a situation where when something happen
to a loved one, then this person who's very responsible
have to give up their hard earned money to bury
(39:21):
that individual and take out loans or you know, take
a loan against their house or against whatever to take
care of something or somebody's else responsibility. So why the
only thing they can do is just say, hey, I
ain't gonna get no insurance. Okay, but I tell you what,
(39:42):
I'll let you go ahead and get it for me
if you want to do it, and I make you
the beneficial I don't care, but I ain't paying a
dam for no insurance. That's the way some people think.
Speaker 2 (39:50):
Ben.
Speaker 1 (39:51):
So if you know that, you go out somebody like that,
just give them the just give them that right and say, hey, okay,
I'm give you the right to go ahead, brother, I'm
gonna go He'll give you the right to go ahead
and get a policy on me, because that's the only
way we can get a policy on you, is that
we get consent from that loved one, okay, okay. Because
some people think that you can just write up people, well,
(40:13):
you know this person, he's living this kind of life,
and you can just write a positive up on him
because something gonna happen to him. Yeah, something might happen
to him, but he still has to give you consent.
It has to be an insurable interest, and that ensurable
interest has to be a relative, a loved one. Okay.
So please, guys, you listen to us every single month,
(40:36):
and if you have not made your decision, make sure
you make it today, okay. And you don't have to
have any money today bill, Okay, we can go ahead
and get you prequalified today. You tell us next week
would be good, next month would be good. We will
take care of you, okay, but please give us a
call at nine zero one two six zero twenty thirty five. Guys,
(41:00):
this is Willie Jacobs with the Jacobs Final Expense Agency.
We love you and that's absolutely and then you can
do about it and hopefully that the things that we
said today will help you make your make up your
mind to go ahead and get started today with us. Okay,
thank you, and we'll see you at the top.
Speaker 3 (41:17):
That's mister Willie Jacobs or the Jacobs Final Expense Agency
nine zero one two six zero twenty thirty five.
Speaker 2 (41:27):
Nine zero one to six zero twenty thirty five. I
want to thank you callers.
Speaker 3 (41:37):
I want to thank you my listeners for joining us
this day on the BEB Johnson Show. We do, we
really do appreciate you. So until tomorrow, please be safe,
keep a cool head, y'all, don't let anyone steal your joy.
Until tomorrow, I'm BEB Johnson and y'all keep the fate.
Speaker 1 (42:04):
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
Bell, tis times talking and home away, help you go,
you go?
Speaker 2 (00:09):
Don't getting ready.
Speaker 3 (00:11):
His time?
Speaker 2 (00:17):
Let's go bell.
Speaker 1 (00:19):
Will make Gordy by here on talk d.
Speaker 2 (00:26):
To listen to one to say, you know it's time
for the.
Speaker 3 (00:31):
Belt of show, time of the mountain show Lucky.
Speaker 2 (00:36):
Let's go.
Speaker 3 (00:38):
We are rocking and rolling on this Tuesday, May sixth,
twenty twenty five. Enjoyed this fababulous day to day back
in the house. Yeah, yeah, to talk about our final expenses.
Speaker 2 (00:52):
He is the man.
Speaker 3 (00:53):
He is the man, Willie Jacobs of the Jacob's Final
Expense Age and see welcome back in good afternoon.
Speaker 2 (01:03):
Willy Jacobs. How are you my brother?
Speaker 1 (01:05):
Hello, beb How are you today?
Speaker 2 (01:07):
I'm holding I'm holding brother.
Speaker 1 (01:08):
I see you are I see you? Are you looking
mighty well over the at the bell?
Speaker 2 (01:12):
Thank you?
Speaker 1 (01:12):
Will I tell you the truth? You do you have
a date afterwards?
Speaker 4 (01:17):
Date?
Speaker 1 (01:17):
Okay, you're looking way up.
Speaker 2 (01:23):
Hey, Willie.
Speaker 3 (01:24):
This is my birthday month, so you know I celebrate
the whole month.
Speaker 1 (01:27):
That's a blessing in it.
Speaker 2 (01:29):
It is a blessing.
Speaker 1 (01:29):
It's a blessing to be on top instead of the bottom.
Speaker 2 (01:33):
Hey, hey, you got that right, brother.
Speaker 1 (01:35):
But guess what Bell, when you get ready to go
to the bottom. You need to have a plane.
Speaker 2 (01:40):
You need to have a plan.
Speaker 3 (01:41):
So Willie, you are here to tell us about that
plane you need to have.
Speaker 1 (01:45):
That's right, beb Hey, BB, this is Willy Jacobs. Everybody again,
we thank you for listening to us today. This is
Willy Jacobs with the Jacobs Finally Expense Agency. Well, we
come to you each and every Tuesday, Okay, each and
every Tuesday, first Tuesday, is that right, Bell, the first
Tuesday of each month, and we are looking to even
(02:06):
come to you even more. Bb. We we're trying to
work that out, aren't we, Bill, Yes, we are. Okay,
So what we're trying to talk to you about today
is final expense, where you won't have to worry about anything.
Is when something happens to you or your loved ones.
Is that right?
Speaker 2 (02:22):
That's right?
Speaker 1 (02:23):
So today beb. Today we called in this no Procrastination,
no procrastination time. We all often talk about it, but
procrastination is the thing that holds people back, keep them
from going ahead and doing what they need to do
right away. Okay, So we be up there. So much
has happened since since the last time I was here.
(02:45):
You know, I have been to Rome, Italy. What, Yes,
since the last time we talked, brother, Yes, tell me
you were going to room I told you Bill, Yes.
You know you're getting a little older, so you probably forgot.
Speaker 2 (03:00):
Did you get a chance to see the pope?
Speaker 1 (03:02):
The pope had passed away.
Speaker 2 (03:03):
He had passed on the way get a chance to
see the pope?
Speaker 1 (03:06):
We we it's a lot of things, you know, they
closed down a lot of streets. You know, the company
that I represent, they flew my wife and I out
there every year we go on a company trip. This
year it was in Rome, Italy. So we really had
a great, great time out there in Rome and saw
(03:27):
so many different significant, significant things that we read about
and we've read about in the past, and we had
that opportunity to go out there and take pictures and
actually get the history on most of the things that
we've heard about. So it was really a fantastic trip.
Speaker 2 (03:46):
Good good, So you got to see a lot of.
Speaker 1 (03:48):
Things, got a chance to see a lot of things,
take a lot of pictures, and put our hands on
things that we had really read about, you know. So
you know, one of the churches we didn't too. We
didn't get a chance to get to go into the
Vatican because you know, they had the funeral going on
that Friday, and so what we did get a chance
to go around it. You know, Yeah, it's nothing but
(04:10):
bricks all the way up from the bottom to top.
You can't go in there, you can't sneak in, you
can't break break in or out. So it's really something
to behold. So it was a very great experience and
something that our cherish forever.
Speaker 2 (04:27):
Wow.
Speaker 1 (04:28):
Yeah, So what we want to do bail is talk
about not being procrastinated anymore. People put things off, okay,
thinking that they have time enough to really really do
what they need to do. But my question to most
people when they try to put it off, can you
tell me that date in that time when you go
(04:51):
to pass away, can you tell me that time? So
why would you put it off? Why would you put
off today, which I mean tomorrow, what you can do today?
So we're gonna tell you what we offer here today, okay,
And when we tell you this, you need to call
us at nine zero one to six zero twenty thirty five.
(05:15):
That's nine zero one to six zero twenty thirty five,
where we have qualified agents waiting for you to answer
any questions you want to want and also to be
able to take care of your needs, you and your
family needs. Okay, all right, so it's nine zero one
to six zero twenty thirty.
Speaker 3 (05:34):
Five before you start talking about the final expense plan.
And like we said, Willie, you've been coming on my
show for a while, for some years telling people about
final expenses what they need to do. And as I noticed,
with matter of fact, I was talking to a young
(05:55):
man this morning.
Speaker 2 (05:58):
Who was saying, you know.
Speaker 3 (06:00):
Johnson, he said, it's so crazy out here now. He says,
every day they wake up, somebody's been shot. Somebody's been
killed every day, every single day day, Willie, it is
something we hear about a tragedy.
Speaker 2 (06:15):
Somebody has lost their life exactly.
Speaker 3 (06:18):
And I'm sure nine times out of ten those folks
that are gone, they don't have any insurance, the family
doesn't have it, you and they're thinking, like lord, how
we're gonna.
Speaker 2 (06:31):
Bury this person.
Speaker 3 (06:34):
It is meant because every day somebody is losing their
life exactly.
Speaker 1 (06:40):
And Bill, think about this. You have hard working mothers,
hard working grandparents, we have saved up for their retirement,
and their grand kids go out there and get killed
and mother don't have insurance on right, and they end
up having to help come out of their bank account,
hard working year after year, moneys that they've said to
set aside for their retirement, and they end up giving
(07:03):
that kind of money up, and some of them put
their houses up, yes, to bury someone, someone that goes
into their savings, their retirement to bury someone, which puts
them in a situation where they now have to go
and come out of retirement and start working because they
went and sacrificed for their grandkids. And it don't make
(07:27):
any sense. You're being very selfish when you go out
and you don't get protection for you and your loved ones.
So all you have to do is call us at
nine zero one two six zero twenty thirty five and
we'll help you and walk you through the plans that
we have. Okay, and they start bare up, some of
the plans can start. It's a little that's fifteen dollars
a month.
Speaker 3 (07:48):
And when I hear you say that, Willie, that's not
a lot. That's not a lot for people to spend
the money. If I mean that's all they can afford.
Speaker 1 (07:57):
It's all if that's if they qualify if.
Speaker 3 (08:00):
You're qualify, and that's all. But at least think about
fifteen dollars a month. You probably eat that up in
a day or more than that, exactly that you can
have that when that loved one is gone where it'say,
at least I have a policy.
Speaker 2 (08:14):
You know, I can be able to bury them.
Speaker 1 (08:17):
Yes, and you won't have to leave that person in
any negative situation at all, okay, because you took care
of your responsibilities while you were here. Okay, So please guys, look,
all you want, what we want you to do is
do the right thing. Just do the right thing. And
you know the right thing to do is some of it.
(08:38):
Some people Bill listen to us consistently and still had
not made that move. But we want you today. Don't procrastinate,
don't put it off. Call us at nine zero one
two six zero twenty thirty five. Okay. Now, we have
plans that can fit pretty much anybody, Bill, anybody, Okay.
(09:01):
First of all, we have the fine expense plan, which
was day one coverage. Okay. That is a final expense
plan from one thousand to up to thirty five thousand
dollars okay, and we know that it don't cost thirty
five thousand to bury you. Okay, but some people, some
people like to get more than what they actually need. Okay.
(09:22):
So you can get a plan up from one thousand
to thirty five thousand on our final expense plan, and
that's day one coverage for those of you who don't
have any medical issues. Okay, that's fine, our find expense plan.
Then you can have a twenty pay which you can
cover your loved ones and you can cover your grandkids.
You can cover your kids, you can cover yourself if
(09:44):
you're a younger couple. Okay. However, that plan you can
pay for twenty years, and that plan is paid up
after twenty years. You don't have to pay anymore after
twenty years, and you still have a plan. It's from
a thousand to thirty five as well, okay, and it
starts day one, day one coverage, and it's for those
(10:05):
individuals who don't have any medical issues. All right. Then
bel you have your modified plan. Now, this is for
individual who may have medical issues and have been turned
down by other companies. Okay. You got a lot of
people out here that they as overweight. Bel companies don't
(10:25):
even take them because they're overweight. Some companies don't take
people because they have heard issues. We will take you.
Some people can't be taken with the companies that maybe
have kidney issues, but we will take you, okay. And
the thing about it is that you would never ever
(10:45):
lose a dime even if you got with us or
had a plan with us, because if something would happen
to you within the first year or two, we would
give you all your money back plus ten percent first
year or two okay, first two years. After that second
year you get one hundred of what the plan is. Okay.
(11:09):
So you really need to call us at nine zero
one to six zero twenty thirty five and let one
qualified agents tell you exactly where you stand, and you
just give them the information of what you really want
and they'll tell you exactly the best plan for you, okay. Right.
Speaker 3 (11:25):
And one of the things that you were mentioning is
that some insurance companies really won't take you because if
you have this kind of medical condition going on or
issure going on. But the only time you're saying that
you all can't take anybody is with what.
Speaker 1 (11:43):
Okay, the only way that we cannot ensure individual veil
if you are HIV positive, if you have AS or
HIV positive, if you bedridden okay, or if a person
is incarcerated, if you in jail or well, and we
cannot ensure you at the time. Now, if a person
(12:03):
comes out of being incarcerated, okay, and he's out, then
we can ensure that person. Okay. So hey, grandmother mothers,
you know your son is incarcerated, but he's getting out
next week, make sure you get him a planing, okay,
because the following week he might be right back in there. Okay.
(12:28):
So we have something about you know, we have situations
like that, they in and out of jail, in and
out of jail, in and out of jail. They just
hadn't figured the things out yet. Okay. So if that's
the situation with you, make sure you cover your loved
one so that you're at burden won't be on you
when something happened to him. Okay, all right, give us
(12:49):
a call at nine zero one two six zero twenty
thirty five.
Speaker 2 (12:54):
And with that, I don't know if we've talked. I mean,
when when you first come on the.
Speaker 3 (13:01):
Show, Willie, we were talking about people buying cigarettes, but
I know they spent on package, but I was thinking that.
Speaker 2 (13:10):
Can you can you take a person who's a smoker.
Speaker 1 (13:13):
Yes, we can, but Bell, you know, at the time
I talked to you about that's been over almost ten
years ago. Nine years ago, I think cigarettes were seven
dollars a pack or six seven dollars a package.
Speaker 5 (13:24):
I hear.
Speaker 1 (13:25):
Now the cigarettes over ten fifteen dollars a pack. Now,
it's unbelievable. But if that's the situation, Bill, think about this.
A lot of people smoke a pack of cigarettes a day,
and if it's ten dollars a day, huh, ten dollars
a day times seven days a week's seventy dollars, right,
(13:49):
my god, seventy dollars times four seven, fourteen, twenty one.
That's two hundred and eighty dollars a month in cigarettes alone.
Now we take you as a smoker.
Speaker 2 (14:03):
Okay, my friend, Okay, but I hope.
Speaker 1 (14:06):
You are not one of the ones who say you
cannot afford it, because if you look at what you're
paying in cigarettes, okay, even if you paid half of
what you're saying, okay, if you was paying five dollars
a pack for the cheap cigarettes, I don't even know.
I don't know that. I don't know what they caused.
(14:27):
Even the cheap cigarettes bill, if they five dollars a pack,
that's thirty five dollars, or what week, that's seventy dollars
for two weeks and one hundred and forty dollars for
a month. Wow. Wow, And were talking about you getting
covered probably for less than seventy five eighty dollars a month.
(14:48):
Come on, y'all, right, come on, let's let's do the
right thing for our families. If one thing you want
to leave and say that, well, I know when I
leave here there no one would have to do anything
for me as far as my funerals concerned. I would
have taken care of all of my final needs. Have
(15:10):
that testimony, okay, and not a testimony of you left everybody,
you know, disarray where everybody was scrambling trying to figure
out how to take care of your final needs. Okay.
You ever had people be up who had funerals or whatever,
and as soon as that person died, everybody looking and
(15:30):
seeing who's going to give what for the funeral? Right,
everybody looking, and the person they're looking for the most
is the person who worked the hardest and trying to
have something And say something and they look at that person.
That's well he got it. Well he got it, but
he ain't got it for you. He got it for
him and his family. That's what he's working for, him
(15:53):
and his family, not yours.
Speaker 2 (15:56):
I'm laughing with it because you must have heard that before.
Speaker 1 (15:58):
Oh we got it, he got it, they always be.
They tell me in a minute, he got it, right,
you know, I'm the oldest. So he got it, he
got I feel you, he got it. I feel you, brother,
I sure you. I got it for me and my family.
(16:19):
But I was working, bear, when I was working six
seven days a week and you was partying, right huh?
Or you was out doing whatever you do and I'm working. Yeah,
I'm sacrificing to be where I am today. Okay, So
it's a blessing to be here. But we want you
(16:39):
to know that if you do this today, you will
not regret it.
Speaker 3 (16:44):
And I strongly you all recommend that you know, think
about it, think about it, stop procrastinating, think about it,
and get your final expense plan.
Speaker 2 (16:57):
Yes, I got it, Yes, I will you tell.
Speaker 1 (17:01):
I got it.
Speaker 2 (17:03):
Hey, I got it, because Willie.
Speaker 3 (17:06):
One of the reasons I don't want my family scrambling
and this and that, trying to do this and that
because I don't have children, you know, don't have a spouse,
but I have my sister and my nieces and nephews,
so I don't want no. So everything I told, everything's
taking care of you. Just find it and go do
(17:27):
what you need to do exactly. But I'm not going
to put that burden on them.
Speaker 1 (17:31):
No, that's responsibility. That's responsible. You're being very responsible. Okay.
And the thing about it, people think now because they
have these gofund means, So you know how many fake
go fund means There are a lot of them. Oh yeah,
they have so many fake go fund.
Speaker 3 (17:46):
Means supposed to be putting that go fund and folks
be sending them money.
Speaker 1 (17:49):
Yeah, and that's something. Yeah, Now, who you are? You
just want a stranger to send you money to get buried?
Who wants that?
Speaker 5 (17:58):
Well?
Speaker 3 (17:59):
Well, you know, people will ask so so many crazy things.
Speaker 1 (18:02):
You know, come on, it's it's a it's a it's
a terrible time, bill. But I promise you there's a
bunch of us left to have dignity and pride. Yeah,
you know, and that and you and we're talking to
a bunch of those individuals, a bunch of your listeners,
who has what dignity and pride?
Speaker 3 (18:21):
You know? And I say this, if you don't understand something,
if you don't understand what mister Jacobs is talking about,
we do invite you to call five three five nine
three four two eight hundred and five zero three nine
three four two eight three three five three five nine
three four two.
Speaker 2 (18:36):
You may have a question.
Speaker 3 (18:37):
While he's here, he can answer it right, you know,
because we're talking about final expensive people may get really
the two confused saying well, I have a life insurance policy. Okay,
that's good, but do you have the find that that's
going to take care of those burial needs, those those
you know, cremation because it will handle the cremation and
(19:00):
as well if that's what.
Speaker 1 (19:01):
You want, If that's what you want. But however, bail
you know what, People get a lot of things confused
when it comes to find expense in life insurance. You know,
you know, find expense. It's a portion of life insurance.
But the life insurance portion that you talk about you
already got right, Okay, most families that we sell probably
have life insurance. Okay, so that's that's not here there.
(19:25):
Life insurance that they have is for to give to
their loved ones and leave with their kids or leave
with somebody that they love and say, hey, I'm gonne.
I don't want you to struggle anymore. This is for you.
This is a gift for me to you. Okay, Now
that plan may can take care of your you'll find
(19:47):
experence bail. But guess what how long would it take
to get that plan? Life insurance policies normally take three
to four weeks or something somewhere in that neighborhood which
our find expense plans is basically just for your final
expense needs for your funeral, okay, and that is paid
with us within twenty four hours after receiving the death certificate.
(20:11):
Isn't that great?
Speaker 2 (20:12):
That's great.
Speaker 1 (20:12):
That's what you want. You want it totally separate. You
don't want to try to mix the two together. Even
though some people do have a life insurance policy which
they say, hey, I'm gonna use that for my burier. Sure, okay,
well I'll tell you what. Let's see how it happens
when something happened at funeral home, want their money. The
next day they pick that body up the funeral phone
(20:33):
wants they money right away. They don't want to wait
around when they see our company's name on something. Guess what, Beb.
They don't worry about a thing because they know they
gonna get their money. I hear they know they gonna
get that money. So please, guys give us a call
now at nine zero one two six zero twenty thirty five.
Speaker 2 (20:52):
Go to our phone lines to talk with you.
Speaker 3 (20:53):
W d I a high caller, BEB Johnson, Yet that
I'm doing?
Speaker 2 (21:01):
Why fine? This prince of the charge.
Speaker 5 (21:05):
You already know.
Speaker 6 (21:06):
I know you're on the top. Yeff, brother Porter, How you.
Speaker 1 (21:08):
Doing their Jacobs? That's brother Jacobs. How you doing my
brother brother job? I'm great? How you doing?
Speaker 5 (21:17):
Man?
Speaker 6 (21:18):
I'm on the top, Chef. I can't complain. I have
too quick questions. If I made person of all, good
afternoon to your college and Beth. My first question, is
there such thing as having too much insurance life insurance,
hold hold insurance?
Speaker 1 (21:33):
I would say yes. I would say, uh, well, it
depends on what your plant trying to do with it. Okay,
if if you feel, if you got plans that you
say this policy is for that, this policy is for
this person or this policy for that person. For you, No,
it's not enough. It's not a such thing as having
too much, because that's what you want. But if you
(21:56):
have insurances where you're you're getting insurance policies to do
the same identical thing, and you don't really understand why
you got those policies, then it's probably a good thing
for you to have someone to take a look at
what you're trying to do so you won't be paying
extra moneys out of your pocket doing trying to do
(22:17):
the same thing.
Speaker 7 (22:19):
Okay, My second question, the final question, is that I'm
always receiving mail from the bank that out of my
finance institutions, okay, and they always sit in these letters saying, well,
you can sign up for this to get accidental insurance.
Speaker 6 (22:36):
And the arrange anywhere between a hundred thousand until a
quarter of a million. But it's for accident.
Speaker 8 (22:45):
And I think a lot of people don't realize, you know,
if you don't die by accident and you give us money,
Attendant ZI, exactly could you can you explain that a
little bit further for thogs who don't understand and belt,
I'm gonna hang up and listen to my brother's peak.
Can't bel as always you have a beautiful blessings, tafe
and healthy day.
Speaker 2 (23:04):
Thank you, Prince Charles, thank you.
Speaker 1 (23:06):
Yes, yes, certainly, Prince, that's a very good question. What
happens is most in most cases, bell companies will send
out plans where they give you just an insurance for accident,
and people will jump on that, you know, because they
give it a good price. Five dollars or ten dollars
for one hundred thousand and twenty dollars for two hundred
(23:29):
and fifty thousand. And it's based on you having an
accident only. Okay, it's not. It's not a life insurance
policy per se if you die any kind of way. No,
it's a plan based on you dying accidental. So that's
not a good plan. If you get a plan of
that nature. You want to make sure you have a
(23:52):
regular life insurance policy where anyway you pass away, you're
gonna your family is gonna get taken care of. Okay,
that's what you want. You want both, okay, with even
with our plan, beab Our plan comes with a with
a an accidental death plan built into the plane. Okay,
(24:12):
So you're gonna get a barrier plan and an accidental
death playing I policies range up from you know, I
told you the regular policies is from one thousand and
thirty five thousand, but if with including the accidental death
plane involved, it could go up to one hundred and
sixty thousand. So that's why you need to call and
find out what you want. And so our agents right
(24:34):
there that's waiting for you can give you any answers
that you have. That's nine zero one two six zero
twenty thirty.
Speaker 2 (24:41):
Five w D I A Hi caller, Hi dav Hi
some man.
Speaker 7 (24:49):
How you doing.
Speaker 2 (24:50):
I'm doing well, Pat. How are you?
Speaker 4 (24:53):
I am fine. I love your guess. Okay, Jacob I
signed up listening to him. I signed up my son
for the insurance a couple of years ago, and I
was like, man, this is all right. You know, I
don't have any regrets or anything, because he's had like
(25:15):
a couple of his friends to get killed in the
last two three months. So I was like, and they
were asking, you know, folks that like you were saying
that go find me places. I was like, here we go.
You know, I don't mind helping anybody. But like I
was telling and like my mama always said, and she's
ninety one. She's I'm not gonna have nobody selling chicken
(25:36):
and fish dinners trying to bury me, you know, all
my kids. So she you know, she used to have
insurance on all of us. But I'm seventy one years old.
My mama had to stop doing that. You know, do
your own thing. Mama, were good.
Speaker 5 (25:49):
But what I was.
Speaker 4 (25:51):
Thinking, because I have my own insurance and my husband
is getting ready to retire and I'm on his insurance,
I was thinking about that the fine whole thing for me.
So is that feasible? I mean, is that possible? Because
again I have insurance, but I just had the final
(26:12):
part for him by my time.
Speaker 1 (26:14):
Okay, yeah, yeah, I'm not great. You know, I am
so happy to hear that you have insurance for your
son and everything, and you're being very responsible. I appreciate you.
And yes, you can get a plan for yourself. The
maximum the maximum age that we will cover individual it
would be eighty five. So if you get in before
(26:36):
eighty five.
Speaker 4 (26:37):
I'm talking about for me, I'm seventy one. To talk
about nobody else.
Speaker 1 (26:40):
No, I'll just give you no, I'll just give you
the information. Yeah, yeah, you definitely get one at seventy one. Yes, ma'am,
we would be very happy to have you as a client.
We since we have your son. So give us a
call at nine zero one to six zero twenty thirty
five and tell them I sent you.
Speaker 4 (26:59):
Okay, I sure will, because I told the guy that
called me, I think he called me from Saint Louis
and I told him, I said, no, I heard from
mister taking to own BEB Johnson, missus Senna see talking Okay, okay,
because somebody didn't even mister Clark or somebody called me
from I don't know, but that was a couple of
years ago. But my son is Drayden. That's only. And
(27:21):
I paid, you know, insurance from two of my four
grandkids because they Mama don't there's a mama don't talk
to me. So it's like I hate for my grandkids
to miss out. But anyway, thank you, thank you, thank you, Beb.
I love you and I love your guests because you
are such an informative radio station.
Speaker 2 (27:40):
Thank you.
Speaker 1 (27:41):
We appreciate it.
Speaker 2 (27:42):
We appreciate it, we appreciate your pat Be safe.
Speaker 5 (27:45):
Now, thank you, sweetie.
Speaker 4 (27:49):
Now I am, I am. I'm making cookies now, but
I call.
Speaker 3 (27:57):
We are talking with mister Willie Jacobs of the Final
Expense Agency. You can give us a call if you
have a question or two four will A nine zero
or one five three five, nine three four two eight
hundred five zero three nine three four two eight three
three five three five nine three four two will get
you in to us. You're listening to w d I
(28:22):
A the BEV jihow.
Speaker 9 (28:46):
You're listening to the Bev Johnson Show. That's U BEV
on w d IA.
Speaker 8 (29:10):
You know, over the time working hard to bring you out.
Speaker 3 (29:17):
Day we are talking with Willie Jacobs, who is the
(29:43):
CEO of the Jacobs Final Expense Agency. We're talking and
you heard we're talking about those Final Expense planes. Just
breaking on down those burial planes. Willy, you know would
be nice a final expense. But you know who's going
to bury your teeth? Exact I say it like that,
who's gonna bury you?
Speaker 1 (30:03):
Who's gonna bury you? Who's going to what's gonna.
Speaker 2 (30:05):
Be If it's gonna be you, that's green, isn't it will?
Speaker 1 (30:07):
That's right? Who's gonna be holding the bag? In case
you do not do what you're supposed to do. But
we want you to go ahead and do your responsibilities
right now. No procrastination, bell none at all. So please
y'all give us a call it nine zero one to
six zero twenty thirty five. There are people waiting for
(30:29):
you to answer any questions and to set up appointments
for you in your home or even on the phone.
It's up to you, okay, give them a call it
nine zero one to six zero twenty thirty five, and.
Speaker 3 (30:42):
And and and wially again when they call, call your
agents and they're they're taking information. The agents are gonna
ask them about health problems and all that. So they're
gonna they're gonna be so they might say, I mean,
do you have high pertension?
Speaker 2 (30:58):
You have a eye plug right.
Speaker 1 (31:00):
Right, and they'll know exactly what plan to put you
in based on or you know, what you tell them.
You know, they'll know exactly what what plan you need
you fit that fits you well and will be affordable
to you. Okay. And that's one good thing that we
make sure that all the agents make sure that they
give you what you need in order for you to
(31:20):
make a great decision on the plans that you want. Okay.
So these are professional individuals who who have you you
can't just be an insurance leank. You have to be
a licensed insurance agent in order to do this bail
Just anybody just can't come up and say I want
to work in the insurance industry and don't have the license.
They have to pass tests and everything to be an
(31:43):
insurance agent. So please give us a call it nine
zero one two six zero twenty thirty five for any
of your questions or for you to set an appointment
before one of out qualified agents.
Speaker 3 (31:53):
Okay, right, wud I a high caller high calling you
on the air? Well, I guess they hung up. There
you listening?
Speaker 2 (32:08):
That's okay.
Speaker 3 (32:08):
You can call me back in a few because before
really gets how to hear if you have a question
or two. As we talk about final expense, and one
of those things that we didn't talk about this time
really is that one of the things about the final
expense agency that you all the you always talk about
that you make your plans the consumer Garden.
Speaker 1 (32:29):
Yes, yes, it's called FCGS. Uh, it's called the Funeral
Consumer Garden Society. Okay uh. We partner with the Funeral
Consumer Garden Society and one of the things that we
love is the planning portion Okay. When you get a
plan with us, the next thing you want to do
(32:49):
is make sure all the planning is done prior to
your demise, meaning that you get a policy. And you
know how people get plans bay up and they don't
have no idea, the family don't have no idea of
what they really wanted. But we're not that way. We
don't operate that way. What we do is make sure
that you know exactly what you want and we put
(33:11):
it down. Okay, we write it down how you want
to be dressed, what songs you won't say, an if
you or any any special sorority, we'll make sure that
that is on their whereby because you know what special sororities.
When you go to funerals, they have special things that
they do. Okay, even if you're a Mason, they have
certain things that they do at a funeral. So we
(33:34):
make sure all that is on the form okay, and
we put into our archives, and when something would happen
to you, we take it out and we follow exactly
what your final wishes were, okay, And this is what
we do. That's the planning pustion. We're not a company
that wants something happened. The family have to sit at
(33:54):
the kitchen table and figure out what to do. Your
loved one has already written it down because Bill has
already written hers down, so she knows exactly what to
do for the loved one was gonna do exactly what
to do when she's gone, because she's already putting it right, right, Bill.
Speaker 2 (34:13):
That's right, that's right, that's right, that's right.
Speaker 1 (34:16):
All right.
Speaker 2 (34:17):
W D I a high caller?
Speaker 5 (34:20):
Hey Bill, Hey Dad?
Speaker 2 (34:22):
Just want to know?
Speaker 5 (34:24):
Yes, I just want to know one question.
Speaker 2 (34:26):
What is your question?
Speaker 5 (34:28):
Yes, sir, I would like to know message Jacobs. If
the plan has a certain amount, I'd say ten thousand
dollars bollar playing and paying the month of note. Can
let's be paid totally at one time dominate the notes?
Speaker 1 (34:47):
Okay? You can pay a few different ways. You can
you can pay monthly, you can pay quarterly, you can
pay semiannually, or you can pay a year. All right, Okay, yes, sir,
you got that, brother.
Speaker 5 (35:06):
I got it. Yes, that's why. That's why I was
trying to find out because at my age this they
and the sign played that amount or a change here
I probably would be the amount that uh that it
would that would give for a fine expense. Somebody was
(35:28):
want to know if I could just pay to see
just one flat seam.
Speaker 1 (35:33):
For the for the for the for the plan, that
I should Right, Well, my suggestion is if if you're
thinking in that way, the best thing to do is
probably pay it annually. If you can afford it, just
pay it annually, play one time. In that way, you
have built the cash value that you built up in
that plan. Uh, you know, uh, I promise you it
(35:53):
probably will outweigh how much your plan is. You know,
so it would probably you got me. So if you
pay for five years, every year you pay annually, then
in that five per year period of time, if you
had a fifteen thousand dollars policy, where you got a
fifteen thousand dollar policy plus the cash value. Man, all right,
(36:15):
I got you, You got me. So you want to
look at it that way, Yes, sir, I got you, Yes, sir,
So give us a call, give us a call, and
let us go ahead and help you out. Okay, nine
zero one two six zero twenty thirty five.
Speaker 2 (36:27):
All right, man, thank you, thank you, bell, thank you,
thank you for listening.
Speaker 3 (36:31):
Yeah, so again, so, and I'm glad that just want
to know asked that question because there are different ways
you can pay.
Speaker 1 (36:39):
Yeah, different ways you can pay. It's all based up
how you want to do your finances, okay, right. A
lot of people, you know, most of our customers, pay
on a monthly basis. Yeah, because that's the that's the
more comfortable way for them to pay. To have it
drafted just like you and our fail we have. I
was drafted out each and every month at the same
particular time. Some people, you know, they rather do it
(37:03):
on a quarterly basis, or even a six month basis, okay,
that paid so many so much for six months. Or
some people like to pay it annually, okay. So whatever
it is is, if something would happen to you annually,
I mean, if something would happen to you bad you
paid your policy annually, okay, and you had a fifteen
(37:24):
thousand dollars plan okay, and you would in let's say January,
you paid into your policy one thousand dollars for that
whole year. Okay. If something happened to you in the
second month, and you had a fifteen thousand dollars plan
and your policy was only eighty dollars a month, you
(37:46):
done paid a thousand for the rest of the year. Right,
So what the company's going to do is give you
the balance of that thousand dollars plus the thousand, fifteen
thousand dollars plan you got me, so you won't lose
anything you got. So you'll still get your money back
that you put in for a whole year. You didn't
go through that whole year. You just paid up for
a year. So it's a great it's a great question.
(38:10):
Thank you for that question.
Speaker 2 (38:10):
That was a good question. Good question. Any other things
that you want to let our listeners know, Willie.
Speaker 1 (38:17):
Yeah, BB, I was thinking about people who don't know
the responsibilities that they have when it comes down to
their loved ones, their relatives. See, some people don't realize, BB.
There are people out there who who may not feel
(38:38):
that they can afford what we have, Okay, but then
there are others who knows that you can, but if
something would happen, they are going to be holding the bag.
So if you can get your loved ones to agree
to let you take a plan out on them, them
(39:00):
just for the burier portion, so they won't be in
a situation. Because I hate to see bell, I really do.
I hate to see a situation where when something happen
to a loved one, then this person who's very responsible
have to give up their hard earned money to bury
(39:21):
that individual and take out loans or you know, take
a loan against their house or against whatever to take
care of something or somebody's else responsibility. So why the
only thing they can do is just say, hey, I
ain't gonna get no insurance. Okay, but I tell you what,
(39:42):
I'll let you go ahead and get it for me
if you want to do it, and I make you
the beneficial I don't care, but I ain't paying a
dam for no insurance. That's the way some people think.
Speaker 2 (39:50):
Ben.
Speaker 1 (39:51):
So if you know that, you go out somebody like that,
just give them the just give them that right and say, hey, okay,
I'm give you the right to go ahead, brother, I'm
gonna go He'll give you the right to go ahead
and get a policy on me, because that's the only
way we can get a policy on you, is that
we get consent from that loved one, okay, okay. Because
some people think that you can just write up people, well,
(40:13):
you know this person, he's living this kind of life,
and you can just write a positive up on him
because something gonna happen to him. Yeah, something might happen
to him, but he still has to give you consent.
It has to be an insurable interest, and that ensurable
interest has to be a relative, a loved one. Okay.
So please, guys, you listen to us every single month,
(40:36):
and if you have not made your decision, make sure
you make it today, okay. And you don't have to
have any money today bill, Okay, we can go ahead
and get you prequalified today. You tell us next week
would be good, next month would be good. We will
take care of you, okay, but please give us a
call at nine zero one two six zero twenty thirty five. Guys,
(41:00):
this is Willie Jacobs with the Jacobs Final Expense Agency.
We love you and that's absolutely and then you can
do about it and hopefully that the things that we
said today will help you make your make up your
mind to go ahead and get started today with us. Okay,
thank you, and we'll see you at the top.
Speaker 3 (41:17):
That's mister Willie Jacobs or the Jacobs Final Expense Agency
nine zero one two six zero twenty thirty five.
Speaker 2 (41:27):
Nine zero one to six zero twenty thirty five. I
want to thank you callers.
Speaker 3 (41:37):
I want to thank you my listeners for joining us
this day on the BEB Johnson Show. We do, we
really do appreciate you. So until tomorrow, please be safe,
keep a cool head, y'all, don't let anyone steal your joy.
Until tomorrow, I'm BEB Johnson and y'all keep the fate.
Speaker 1 (42:04):
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
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