June 10, 2025 • 42 mins
We are "Asking the Expert" with Final Expense Planner Willie Jacobs of The Final Expense Agency on The Bev Johnson Show on WDIA Radio
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Speaker 1 (00:00):
Bells Show, Bell Tping, Memphis talking and home away, helpout,
you go, you go, don't getting ready in time show show,
Let's go belling, Will magr day by.
Speaker 2 (00:24):
Here Rod to listen to what today?
Speaker 1 (00:31):
You know it's time of the belt of this show,
Time of the Mountains, show Lucky Let's go.
Speaker 3 (00:40):
We're still rocking and rolling here on w d i
A The Bev Johnson Show. It is a Tuesday, beautiful
Tuesday in Memphis, Tennessee. June tenth, twenty twenty five. Enjoyed
this fabulous day to day. Don't forget June is black music.
(01:01):
Mond Well once again he's strolling on in, in on
in here in the studio like they would stroll on
down at Jackson State. My friend, Master Willie Jacobs of
the Jacobs Final Expense Agency. Good afternoon, Willie Jacob.
Speaker 4 (01:20):
Good afternoon, beb How are you.
Speaker 2 (01:23):
I'm doing well today, brother, How are you man?
Speaker 4 (01:25):
It's so good seeing you again. Bell.
Speaker 3 (01:27):
It's good brother. In your business.
Speaker 2 (01:31):
It's good to be said.
Speaker 4 (01:32):
It's good to be seen. It's good to be above
and not beneath.
Speaker 2 (01:36):
Right right, So will you been doing all right? You've
been on vacation?
Speaker 4 (01:40):
No, no, no, we've been working here. We've been working
you know, We've been to Nashville, we've been to a
little rock just telling the story about finding expence and
burying church and making sure that people understand what we do,
how who we are, what we do, and how we
do it. Bell We certainly appreciate being back here at
DEIA today telling the people all about what we do.
Speaker 3 (02:03):
Okay, well, that's a good note to start on if
people have not heard of the Jacob's Final Expense Agency.
Speaker 2 (02:12):
So what do y'all do?
Speaker 4 (02:14):
We do is take care of families on the worst
day of their lives, okay, and whereby individuals don't have
to worry about what to do on that particular day. Okay,
we try to make sure it's done prior to their demise. Okay.
So what we do is we take care of individuals
who are healthy, we take care of people who are
(02:35):
not so healthy, and we take care of people where
other individuals may not even want to ensure them. Okay,
and we can do it at the low low rate. Okay.
We are not the highest in the industry. We are
not we are not the lowest in the industry, but
we're right in between and we do more than just
(02:55):
a one thing. We do funeral funding and we do
funeral planning, okay, and that's what you need done prior
to you passing away. You need someone to be there
to help you do that planning portion before you pass away,
so you know exactly what your your family members will
know exactly what to do when you're gone on to
meet with the Lord.
Speaker 3 (03:15):
So when you talk about final that's those last things
that you as an individual will require when you leave this.
Speaker 4 (03:26):
Earth exactly exactly, such as you know your your burial insurance,
your your funeral arrangements, and anything else you left out
of place that someone else is going to have to
take on, okay, or you want to make sure you
get a plan big enough to take care of all
your final needs you if possible, okay, But mainly it's
(03:46):
the burial and the funeral arrangements that you really need
to take care of and you don't need you want
to leave that in the hands of anyone else. That's
why we concentrate highly on doing the planning portion. Beb
And if any of you who have been listening to
us and they have not made up your mind, and
(04:07):
just to say today I'm just going to make sure
I take care of my final wishes, my final needs,
and I'm going to talk to someone so they can
tell me exactly what I need to do. That number
you should call now, BEB is nine zero one to
six zero twenty thirty five. That's nine zero one to
six zero twenty thirty five.
Speaker 3 (04:29):
And people who are listening says, okay, mister Jacobs, I
hear you. I've been hearing you, or for the first time,
people are hearing you saying, I don't know, brother, if
I can afford y'all.
Speaker 4 (04:43):
Oh please, anybody pretty much BEB has income, can afford us. Okay.
That's what people don't realize. It's just how affordable this
plan really is. Okay. And the only way you really
know that is to get the professional individual who can
help you and share with you the information that they have.
(05:04):
But they can't share with you if you don't call. Okay,
and you need to call us at nine zero one
to six zero twenty thirty five. The good thing about it,
they can take care of for you, BAB over the phone, okay,
or they can come and see you in person. Okay.
I'm the type of individuals who like to do business.
I like to see who I'm doing business with, okay,
(05:25):
and so you know, and so we have that part
of our business that we make sure that we go
out and see families in their homes and set up
that time that's comfortable for you, okay, where we can
come by and see you. Okay, but you have to come.
You can have to give us a call to see
exactly what we can do for you and how we
can do it for you. So that number is nine
(05:47):
zero one to six zero twenty thirty five.
Speaker 2 (05:51):
When you talk will about.
Speaker 3 (05:56):
Putting your funeral together and your company does, I mean,
what is that?
Speaker 2 (06:02):
What?
Speaker 3 (06:02):
What is what are you saying you don't have you
won't you wouldn't have to do it at the funeral home.
Speaker 4 (06:06):
Or right right? Well, you know we have. It's just
like I told you, we have two different plans where
we have funeral funding and we have funding through a
company where they would pay you the money, the income,
the funds that you would need to to take care
of your arrangements. And then we have the planning portion
which is done prior to meaning that you would whatever
(06:28):
funeral home you want, whatever church you want to be buried,
or a plot or anything of that nature, what clothing
you want to wear, what jurry or anything sungs you
want to sing, or if you're in any type of
a sorority or whatever. We you know, your sororities basically
have different things that they do at funerals, right, and
(06:49):
we have that where you can put it in right
and how you want things done, and they will honor
all of this when that time comes. You know, the
worst thing you possibly can Doater wanted to have a funeral,
and nobody knows what they wanted, how they wanted it done,
and everybody have their own idea what this brother or
this sister, or his mother or his father wanted, and
(07:12):
there that then comes a problem, and there's confusion among
the siblings and the family members. So we don't we
don't want that to happen, and that's what we try
to avoid by all costs. Okay, So this is why
we do the planning pustion up front. So when we
get you a plan for you, we're gonna sit down
with you and tell and shure, and you tell us
(07:34):
exactly what you wanted, and we're gonna put it down
in writing, and we're gonna give you a copy and
the other copy goes to the home office and it
put it in our eye coive, so that at that
time we put it out and say, okay, this is
what she wanted. She will tell your beneficiary exactly what
you wanted, okay, So you won't have any problem saying, well,
(07:54):
he wanted this. No, no, no, this is in writing
or what he wanted or what she wanted, so there's
be no confusion. You know, you won't have to see
at the kitchen table after they have passed away. Bill,
you do that before you pass away, so there's no
confusion prior to okay or afterwards.
Speaker 2 (08:12):
And so you're saying that you're you do that, you don't.
Speaker 3 (08:16):
You don't have to have a family member there when
you all are are making the consultation with that person,
you're doing it.
Speaker 4 (08:25):
No, no, no, they are doing They're telling us exactly
what they want done, okay, so that we can leave
that information with their beneficiary. Okay, with that person that's
going to be because they're not going to be there.
So we got they got to leave somebody in charge.
And the person that they leave in charge, they're going
to write down all the things that that person's supposed
(08:45):
to do for them, okay, so that their their last
wishes will be honored. Okay, Okay, so no, we don't.
What we will do is help them not to be
overcharged okay by the funeral homes that they use. The
we they'll call us and make sure that hey, this
is what this funeral home says that they would do,
(09:06):
and we will say, well, no, that cost there shouldn't
be there, and tell them to do this or that
and that cost will be taken out or a lesson.
So these are things that we do to make sure
that that funeral home, I mean, that customer is taken care.
Speaker 2 (09:21):
Of, okay.
Speaker 3 (09:23):
And all they need to do is you know, information
and as you said, I love you say you say
you can do it right over the phone.
Speaker 5 (09:32):
You can.
Speaker 3 (09:34):
You can make your arrangements, yeah, or talk to one
of your agents over the phone.
Speaker 4 (09:38):
And you sure can. And and the thing about be
what makes this plan is so so simple is that
it's it don't take long at all, okay. And the
plan is in place throughout the whole entire your whole
entire life. You don't have to change anything. It's a
whole life policy, okay. And even though that you don't
(09:59):
try to get the plan to accumulate any cash value
or anything. But it does. You didn't even accumulate cash
down through the years. Now you know, you run into
a hard time. Bill, you've been with us hollow on it.
Speaker 3 (10:11):
It's been a while, yeah, we were on so gosh,
it's been a little while.
Speaker 4 (10:16):
Yeah, it's been about seven seven years better right, yeah?
Speaker 5 (10:19):
Yeah.
Speaker 4 (10:19):
So so you know, if you look at your playing
right now, Bill, you got some money and there's some
cash that you can take out, and you ain't be
thought about that money happy. Yeah, we just keep it there.
Speaker 3 (10:30):
Okay, So I want you to talk about that because
I didn't know that.
Speaker 4 (10:34):
Yeah, Bib, you got cash value in your policy.
Speaker 2 (10:37):
Okay, okay, wait a minute now, Okay.
Speaker 4 (10:40):
You got cash that has accumulated in your policy because
you've been a great customer. You've been paying your premiums
for three or four years, but you've been a customer
for over seven years, five sixty seven years.
Speaker 2 (10:51):
Yeah, okay, you.
Speaker 4 (10:52):
Know, time fly. It does, especially when you're having fun,
and we've been having a lot of fun. But we've
been serious about you know what.
Speaker 3 (11:00):
But you know, we're laughing, but I'm serious because I
didn't know that and and you maybe you can.
Speaker 2 (11:05):
Explain that to our listeners.
Speaker 3 (11:07):
So if you get a policy and you say, somebody,
you've had it over so many years, you're saying you
have cash in there.
Speaker 4 (11:14):
M h.
Speaker 2 (11:15):
How does that work?
Speaker 4 (11:16):
Well, what happens is that once you have had your
positive for a while, the accumulation, you begin to accumulate
cash in your policy. Okay, okay, and that policy and
that cash just sits there and sits there and sist there,
and if you need it at some point or another, then
it can be used by you. Now, let's say, for instance,
(11:36):
if a person has some hard times after five or
six years, okay, and they got their policy and they
got eight hundred to one thousand dollars in their cash value.
Well if they see let's say, if they can't pay
their premium for six months, well the policy, they'll take
the moneys in the policy that you accumulated bill and
pay your premiums on a monthly basis until that that
(11:59):
that that cash value is it's gone. So that helps
you out there, and now your policy stills in force.
You ain't have to pay no money for the last
five or six months, right, And that's what we call security.
You are definitely secure when it comes down to having
cash in your policy with when something happening you after
(12:22):
you've had your plan for five six years, you know
that's a beautiful thing. Okay. So what you want to
do be have to find more information about how this works,
okay in full. Okay, call us at nine zero one
two six zero twenty thirty five. That's nine zero one
two six zero twenty thirty five.
Speaker 3 (12:43):
And those agents, Willy will can can explain everything to
them what they need to know. If someone's kind of
hesitant in saying, I don't know if I want to
get this or not. But your agents are there to
explain everything to them.
Speaker 4 (13:00):
Yes, exactly, Bear, you are absolutely right. They are there
to support you in any way they possibly can to
answer any questions, and the even set of appointments in
times that they can give you all the information that
you need. Okay, come and see you or even have
a conversation with you over the phone. Okay. We have
a lot of individuals who say only on the phone okay,
(13:23):
and we have a lot of people who sell in
the field as well. But you would be thrilled to
know once you give us a call to the information
that you will receive by calling nine zero one two
six zero twenty thirty five.
Speaker 3 (13:37):
And how people will will ask this and I hope
they asked this question that so I sign up for
the policy, So how do I pay?
Speaker 2 (13:52):
How does the payment work?
Speaker 4 (13:54):
Very good question. Bill, you own it today. I'll tell
you you must ask your wheatis this morning. Cheer your cheerio.
But but seriously, what we do. That's a good question
because a lot of people, uh don't understand that sending
money through the mail is not the way you do
(14:17):
things now because it's so much fraudulent going on. You know,
I remember sending some gifts off some time ago during
the Christmas holidays, and now I was gonna put some
cash in there and send it to my niece, and uh,
she asked, He said, uncle, what happened to my money?
(14:39):
And she never did get the money. Bab You know, Uh,
my mother was sent moneys from some of the grandkids
and they end up sending moneys they don't you don't
get you don't get it now for some reason, that
money ends up being lost. Okay, So when it comes
down to sending money to the company for paying for
(15:01):
your premiums two things you don't want to do. You
don't want to send money's in the mail. You don't
want to send money or all that kind of stuff
get somewhat lost. The best way you want to do
it is to it through your bank mail. Okay. What
you want to do is set up on a monthly
basis where your bank sends it to our company each
and every month through your checking or your savings account. Okay.
(15:23):
And that's the best possible way if anything should happen
whereby your money's don't get I mean, your payments don't
get made. The company we're going to make sure they
stand behind it. The bank is going to make sure
they stand behind or you getting that money to your
your insurance company. So it's a safe way of actually
you making your payments every single month at the same time.
Speaker 3 (15:45):
And you know what, Willie, I'm glad to explain that
to our listeners because I love that, because I don't
have to worry about save for mother, you know, overspending,
because you know.
Speaker 2 (15:58):
I'm a shopper. Hal, Yeah, I spent too much money
buying clothes.
Speaker 3 (16:02):
But I'm confident that I know every month, at the
same date time that that money is going to come
out of my bank account every month on a certain date.
It's coming out, and I know it's paid for exactly exactly.
Speaker 2 (16:21):
That's how it works.
Speaker 4 (16:22):
It's how it works. And you say it's going to
come out, how it comes out is that the banker
is going to take that money and send it to
Lincoln or send it to our company, Jacob's Finding Expense Agency.
What we thrive on making sure that everything is safely
(16:42):
done and whereby you have peace of mind and knowing
that your payments is going to be made on a
time the basis okay. However a lot of people say,
well no, I don't want nobody go into my bank
and get no money. We can't go into your bank bill, Okay,
I have to give consent. We have to give consent
(17:03):
for the bank to sind right.
Speaker 3 (17:05):
And because the bank's gonna say that, well, well wait
a minute, where we want to know if this is okay,
that you approve it.
Speaker 4 (17:11):
Now you go, So the bank is gonna send that
money to our company, okay. So when nobody can go
into your account. So that's why a lot of people
get messed messed up. They get confused to go there. Yes,
you can't go in your bank. I can't go in
your account and get a penny. I can't go in
there and get a penny. The company can't go and
(17:32):
get a penny. You with your consent, you can can.
You can have your bank to send it to us,
but we can't go in there and get it. So
every single month, at the same time you are to
make your payments, but that same time each and every month,
and you set that time but not us. Yeah, okay,
that's what makes it so so wonderful, is it? Because
(17:53):
you know the time that you want to pay that
every single month. I know pretty much my payments come
out between I mean the fifth and the sixth or
something like that.
Speaker 2 (18:03):
Mine, I chose the end of the month.
Speaker 4 (18:05):
Okay, the end of the month, right where you chose the
twenty seven twenty eight, because after the twenty eight, we
don't take any paperent ya after the twenty eight, right, okay.
So mine's coming out the fifth for the six and
I know that every single month it's coming out the
same time. So when I'm looking at my statement, I
already noticed that's gonna.
Speaker 2 (18:22):
Be there exactly.
Speaker 4 (18:23):
But I don't worry about that or coming out because
it's like paying your light bil. You know you got
to pay your light bill every month, right, you know
you got to pay you know, you got to pay
that phone bill every month.
Speaker 6 (18:34):
Right.
Speaker 4 (18:34):
If you want to keep talking, if you want to
keep talking, if you want to keep looking and being.
Speaker 2 (18:38):
Able to Yeah, if you want some lights, there you go.
Speaker 4 (18:41):
So it's a beautiful thing.
Speaker 3 (18:43):
Bill.
Speaker 4 (18:44):
One thing about when you call in now these for
you individuals who has been listening to us for a while, Yeah,
go ahead and call and get your information so that
we can help you be able to support your family members,
support your family that you know, all of along if
something would happen that they're going to have to take
(19:07):
up where you left. You don't want that. You want
to be able to say I left everything in place
you got me, I got you. I left everything where
nobody can say that they left me holding the bag.
Give us a call at nine zero one two six
zero twenty thirty five. It's nine zero one to six
(19:28):
zero twenty thirty five.
Speaker 2 (19:31):
Will A Jacobs.
Speaker 3 (19:31):
We're going to our phone lines to talk to some
of our listeners. Wd Ia.
Speaker 2 (19:36):
I call her, good afternoon, Bell.
Speaker 6 (19:40):
I'm a junkson.
Speaker 2 (19:44):
Prince jos the dear sell. Yeah, a crappy killer, the
crappy killer.
Speaker 6 (19:56):
Thank you Bell.
Speaker 7 (19:56):
How you doing today?
Speaker 2 (19:57):
I'm doing well today, Prince, how are you?
Speaker 7 (20:00):
I'm doing wonderful. And mister Jacob, how you doing?
Speaker 4 (20:03):
I'm how you doing today?
Speaker 6 (20:05):
Man?
Speaker 7 (20:05):
I'm on the top chef. There's always that, there's always
a good afternoon to you, your guests, your callers and listeners.
Mister Jacob very quickly, I know veves getting short on time.
Speaker 6 (20:15):
So two things.
Speaker 7 (20:18):
I'm glad that you're here to preach this knowledge because
a lot of people are still not comprehending what you're
trying to see.
Speaker 4 (20:26):
Uh so.
Speaker 7 (20:27):
And the reason why I say that, mister Jacobs, because
recently I was watching the news and a young lady
was slain by our.
Speaker 8 (20:35):
A strange boyfriend, I guess, and the family I was
watching the news and the family now is on what
then go fund me asking for for for money to
have to help eulogized and this individual because state didn't
I guess, they.
Speaker 7 (20:52):
Didn't have any insurance. And each and every time, mister Jacob,
I see this type of news that takes place, You're
the first person come to my mind that I said
mister Jacobs eating every month he comes home Bell Johnson's show,
and he put it so plainly that a fifth grader
can understand. And still people are still behind the eight phone.
(21:13):
You made it so easy, that is affordable, or you
would make it affordable for them to where it's comfortable,
to where it's comfortable where their pocket it'll be a
litdent in it. And in my condolences to the family
if people don't want talking about the young lady with
the three sons and a father and grandfather's not taking over.
(21:35):
And I just felt so bad because I says you,
we are in the time and they we never know
when death is going to be a pugnant It could
be at any moment, whether it be through that sense
of killing or dying from a disease or you know,
whatever death is going to come. You can't escape it.
And you have made it so easy to me.
Speaker 2 (21:54):
To me, now I have insurance, and.
Speaker 7 (21:57):
Insurance I got comforts me very well, so if I'm okay,
But if I didn't have it, I make a promise
to you, I would definitely get this policy that you offer.
I mean, it's just it's a win win for everybody
and I don't want my I don't want my family
like in your commercial that you're doing. They got a
fish fry or they got a spaghetti fried or I
mean a spaghetti place they sell and just in order
(22:19):
to make this happen. And we always find ourselves behind
the ebe or not follow us, but people are founding
themselves behind the eight bam thinking that this is never
going to happen to it. My second state me, like
I said, I want to commend you on this because
it's a wonderful thing. Don't stop it. Hopefully one day
people would jump on board like the rest of us,
like Bell Johnson and those others who were in the
(22:40):
past and jumped on board. My second question is to you,
I was reading and if you can verify with me
if it's true or not. And I don't know. I
was reading that is it true that blacks, well in
the black community are now get in cremated instead of
regular barrier because of it?
Speaker 4 (23:02):
Yes, read, yes, sir, very true. It's a true fact
that most of our brothers and sisters now whereabout in
the past, you know, we we kind of frowned on cremation, okay,
because we really didn't understand however, but still now it's
because the prices are cheaper to be cremated as opposed
(23:23):
to just having a burial. Most people are being cremated. Yes,
that is true. Yeah, and that is it's not for
it's very for not it's not cooler to me. It's
not a situation where it should happen, but it.
Speaker 6 (23:45):
Should.
Speaker 4 (23:46):
I said, it's not a situation where it's where people
would want to have a burial, but they have to
have a have to have a cremation based on not
having enough income. Okay, and it's only becomes the mere
fact that they have not playing well. Okay, if you
go ahead, if you go ahead and plan for your
uh for these these times, then you won't have to
(24:08):
worry about.
Speaker 2 (24:08):
That, okay, exactly.
Speaker 6 (24:10):
Example.
Speaker 7 (24:11):
Well, I'm miss I'm mister dick. I'm so happy because
I was reading that. I was shocked because I didn't
think in bell Doesson, I never thought that black people
would cross over to where they would be cremated more
than have a regular barrier, because you know, sometimes you know,
because we we we we we we don't think about
a cremation. But now, when I when I was doing
(24:33):
the research and I'm like, wait, even hold on, I
got to go back. You mean that now, and I
can't remember the year when it's when it started, but
now it's the norm. It seems like it's the norm
that is, that is going to be. And the reason
why I say that because that's what I'm I'm looking
towards the cremation and everything. So I'm saying to myself,
you know, so this is the thing that black people
(24:56):
are doing more of because of the expensive of having
a regular funeral. Because right now, if you look at
the numbers when it comes to a traditional funeral, it's
to run you over ten thousand dollars. That's what simple
burial exactly exactly.
Speaker 4 (25:13):
But you know what, the one thing about it is
that because you can get a plan with us, okay,
where a funeral will cost you ten or twelve thousand dollars,
we can help you get that funeral much less than that. Okay.
It's only only thing you have to do is call
our office at to nine zero one to six zero
twenty thirty five and you talk to them about what
(25:34):
you really really want and we'll show you. Even if
you've got a policy for twelve fifteen thousand dollars. We
make it where you don't have to spend that much. Okay,
So okay, it's a win win situation. But you won't
know exactly what you can do and how you can
get it unless you give us a call and nine
zero one.
Speaker 7 (25:52):
One last question, one last question. I did you mean
to cut you off in the field that you're in?
Do you see that more people are boring when they're
not doing the cremation, They're going to the most extravagant
funeral that they can come up with without having the
money to cover for it.
Speaker 4 (26:07):
Uh, well, not really, because what happens is that they
may try to go to that, but once they find
out that how much the funeral costs, they kind of
bag down off of it. They are kind of bagged
down off of that, and then you know, the funeral
home is not going to let you be extravagant unless
you give us to give them that strategy check. Okay,
you're gonna have to give it that check up front.
(26:29):
It's no, it's no uh no. Uh payments on a
on a funeral. You're gonna have to go go ahead
and make that payment right then on the spot. Okay,
if you don't have the money, you don't get that
type of a funeral. Okay, so no, they might come
in trying to have an extravagant funeral, but once the
funeral home lets them know exactly how much it costs,
(26:50):
they bag down off of.
Speaker 7 (26:51):
That funeral home whole a body or to that that
money is paid.
Speaker 4 (26:55):
Oh man, yeah, the funeral home can hold your body
is long. It's unreal how long we've heard We've had
had it with funeral who held bodies for months.
Speaker 6 (27:05):
Wow.
Speaker 9 (27:06):
Oh yeah, well well, okay, well listen, Jacob. I really
appreciate the bell, but always thank you for allowing me
to speak. I'm on Q and they're just a Jacob
and everyone. Have a beautiful bless of tape and healthy day.
Speaker 7 (27:16):
Take care.
Speaker 4 (27:17):
Yeah you too, thanks.
Speaker 2 (27:18):
Thanks Love byey w D I a HI caller.
Speaker 6 (27:24):
Hello, Hey, okay, I'm on here.
Speaker 10 (27:28):
Good.
Speaker 3 (27:28):
You know me.
Speaker 6 (27:29):
I'm always with more comment than questions, but uh, thank
you for your guests being there.
Speaker 10 (27:34):
I've been waiting and listening for quite a few months
here listening, but I wanted to tell him I'm a
guy that worked for funeral homes back in the day
seventeen eighty and uh we did some things like I say,
some guys are still doing them, and uh me being
a senior citizen. Now I'm kind of writing the book
and telling folks a lot of things happen in the
police department out then I worked in the bill bond business,
(27:58):
working a lot, and we did a lot of scruplings.
I look back today, I'm saved Jesus man. Now I
come tell the truth. And as I tell people, you
don't know this man is really helping you all because
nobody back in the day would tell us when the
white man come around with the big bag in his hands,
sleeping with all the women and all this stuff.
Speaker 6 (28:15):
They didn't tell us nothing. We saw it, but we
didn't say anything because like forbidding the talk.
Speaker 10 (28:20):
But today education is the key, and here's worldwide way
over here, the man is telling you give him a call.
So I'm encouraging everybody on your lunch break whatever. You
might take it as a joke. But if you're up
here with me and Bob Johnson, we just don't know
our age yet. But if you up here, you don't
know if you got twenty years left, five years look
at Sligo that I don't know who you look as
(28:40):
an idol, Michael Jackson, prince, anybody. We wasn't expecting them
to go. But you're gonna leave here. It's gonna get
a knock on your door from No Death.
Speaker 6 (28:48):
Angel one day.
Speaker 10 (28:49):
But you need your stuff to pass because people. I'm
not that way now, but people used to do stuff
like I know about in the funeral business. As a
man said, they're not supposed to tell tell you what
to get, but actually we did.
Speaker 6 (29:02):
I sit there and sold a lot of funerals, and
I named something because they had a business.
Speaker 10 (29:05):
But I look, we did a lot of things. And
I'm telling you today, even with my daddy being there
and so my sisters wouldn't listen to me, and I
would tell no, no, no, don't get this, don't get
They still did it anyway. They still end up with
three I said, get two motorcycles escorts. They ended up
getting like six or ten of them. And then they
got all that hearses and stuff, and I said, you
(29:26):
don't need all of this, but they didn't listen.
Speaker 6 (29:29):
So they argued. They argued, they argued.
Speaker 10 (29:31):
Then they decided to come up with he got ten
thousand dollars policy. But one person wanted to ten thousand
one person.
Speaker 6 (29:37):
They didn't want to split it up. They didn't want
to have a funeral. A lout a couple of thousand dollars,
like I said. Then they said he got an.
Speaker 10 (29:42):
Insurance social Security covenant two hundred fifty five hours.
Speaker 6 (29:45):
I said, that don't cover the funeral.
Speaker 10 (29:46):
They don't cover the burial.
Speaker 6 (29:48):
And then everything broke down. They won't tell you that.
Speaker 10 (29:51):
The man is telling you you need a print out
of all the breakdowns of a funeral home. Some white
guy went out of business taking pokemon.
Speaker 6 (30:00):
I met the funeral home.
Speaker 10 (30:00):
Somebody went out of business taking folk money, selling them
pre ranked policy.
Speaker 6 (30:04):
And I said, that's a good thing. But you got
to know that Galloway or.
Speaker 10 (30:08):
Whoever your folks with Hollywood funeral Home whatever, they I
wouldn't not field home but a graveyard.
Speaker 6 (30:13):
You got to know that they're going to honor that
because that thing.
Speaker 10 (30:16):
Back then in the sixty and seventy Grandmama had and
you're still holding on to it may not be up
to party to day. Now you end up because I
know a couple funeral home that do take or you
said they won't take a payments band.
Speaker 6 (30:28):
I know a couple of them to do. But they
make you sign your home over to them.
Speaker 10 (30:32):
They make you sign your life insurance over them, and
if you seventy or older, they will get you got
one hundred thousand dollars worth of insurance or.
Speaker 6 (30:39):
They'll buy it from you. And look around.
Speaker 10 (30:40):
People got new trucks, new cars, they got new everything
you think, and they got it off their retirement. Actually
they sold the insurance policy. And when they die, your children,
whoever you go out, they're not getting anything because already sold.
Speaker 4 (30:56):
I appreciate to.
Speaker 6 (30:56):
Share that what you got, it's some crooks out here.
So listen to mister Jacob, thank you, thank you.
Speaker 3 (31:02):
All right, captain, why are people listening? Before we take
this break, really give that phone number.
Speaker 4 (31:07):
That phone number is nine zero one two six zero
twenty thirty five. And when we come back, beavan to.
I want to mention something about what Captain said on
the phone about sending the pavements. And that's called a
pre need plan, and I tell you how that works
when we get back.
Speaker 2 (31:22):
Sounds good. We are talking with our expert.
Speaker 3 (31:25):
Mister Willie Jacobs is here of Jacob's Final Expense Planning Agency.
Speaker 2 (31:32):
Give us a call.
Speaker 3 (31:32):
Do you have a question for him nine zero 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.
Speaker 2 (31:46):
You in to us.
Speaker 5 (31:48):
You're listening to Tennessee Radio Hall of Famer BEV Johnson
on w d IA The BEVJ just show.
Speaker 9 (32:14):
You did.
Speaker 5 (32:24):
I'm telling him. Everyone talking, everyone.
Speaker 2 (32:39):
Welcome back.
Speaker 3 (32:40):
We are talking with mister Willie Jacob, CEO of the
Jacob's Final Expense Agency. And Willie, you wanted to remind
our listeners. You want to just say something that Kaeperna
had talked about.
Speaker 4 (32:51):
Yes, yes, he was talking about making payments beb. You
know he's a assurance funeral homes receiving payments. Now what
Cap is talking about it is what we call. It's
not a fine expense plan. It's called pre need, okay.
And the way the pre needs work is that if
you go into a funeral home and then you see
exactly what you like, Bab, what you can do this
(33:14):
pick out how and what you want for your loved
ones or for yourself, and they will give you a price.
And that price maybe ten thousand and fifteen thousand, maybe
twenty thousand, and you choose all the things that you want.
Then you give them a down payment, all right, and
you pay on it on a monthly basis, okay. And
(33:37):
if it's a fifteen thousand dollars plan, then you pay
one hundred and fifty dollars a month, or you pay
two hundred and fifty dollars a month until that fifteen
thousand is paid out. And now you got that funeral,
whatever arrangement that you've made, whatever funeral that you chose.
Now that's what they're going to do for you. Say,
(33:57):
for instance, beab if you only made payments for one
year and that plan was for five years, or for
six years or seven years, and you made payments for
a one year and you passed away, how much do
you think that the funeral home will give you then?
Would they have the same plan because you had a
plan in place, or would they give you just what
(34:20):
you paid for? And who will be responsible for the balance.
So that's what happens. If you only made twenty five
hundred dollars worth of payments, but you got a fifteen
thousand dollar bill, okay, then the balance is going to
be given to your family members wow to pay that
(34:42):
If you wanted that same type of funeral, or if
you didn't want if you didn't get that same type
of funeral, you didn't give up the balance of that money,
then the funeral home will say, Okay, you paid twelve
twenty five hundred to it. You don't want this plan
here because he's passed away, so we can give you
this one playing here for ten thousand, So you have
(35:04):
to give us another seven thousand dollars seven thousand, five
hundred dollars. You got me, I got you. So that's
what they call pre need. Ah, you don't have to
go through any of that if you get a plan
with Jacob's Finally Expense Agency. Okay, only thing you have
to do is just make that monthly payment each and
every month.
Speaker 2 (35:22):
That's all you have.
Speaker 4 (35:23):
All you have to do, whether you pass away a
month after you get the plane, two months after you
get the plane, three months, or a year, we're gonna
pay you what you decided that you want it at
that time. That's the difference in pre need and just
a final expense program. Isn't it great?
Speaker 2 (35:42):
I'm great. I'm glad you're explained it like that. Yeah,
and thank you for Captain for bringing that out.
Speaker 4 (35:47):
Yeah, for bringing that to attention, because some people say, no,
I pay on my funeral right. Well, you don't understand
that if you don't pay the full amount before you
pass away, that balance is gonna be left with your
loved ones.
Speaker 2 (36:00):
Gotcha.
Speaker 4 (36:01):
That is that something. And so you don't want to
you don't want to have a plan like that. That's
things that we did back in the older days. No,
you don't do that now, not knowingly. You don't have
to do that. Okay. So if individual if those of
you who are out there is doing that. Uh, we've
had a lot of people who say, well, you know,
(36:21):
I paid my funeral up. Those are individuals who paid
their funeral upbail. They had a pre need program. They
was blessed enough to live long enough to pay it up,
pay it out exactly, I got you, you got me.
So some people may not live that that time, you know,
and it's not a good plan.
Speaker 3 (36:43):
Because that then that it will be up to the
family members to finish it, to finish it exactly.
Speaker 2 (36:48):
Okay, get this last.
Speaker 5 (36:50):
Call w D I a hi caller, Hi, good jacobing Today.
Speaker 7 (37:01):
If you have one beneficiary on your policy and they
die or where money, that's a good question.
Speaker 2 (37:14):
That's a good question.
Speaker 4 (37:15):
That's a very good question. However, this is what we
do man on most policies. What we do most policies
they have where you can have a what we call
it primary beneficiary and that's the person that's mainly in
charge for anything that happens in case something happens to
the loved one, right, that is the first person on
(37:37):
your policy is the primary. The next person in line
would be the contingent. Okay, that's in case something happened
to the Just like Anita just said, what happens if
something happened to the beneficiary. That's in case something happened
to the primary insurance and the beneficiary both you got me.
(37:57):
Then you had another person in land, which is to Okay,
So that's that's what you want to do. You want
to add another person on your plan. You don't want
to just have one personal. If you possibly can can
have one personal, and you want to have a main
person and then the contingent that's the second person.
Speaker 2 (38:16):
All right, Okay, good question, Anita, very good question.
Speaker 3 (38:19):
Any other words you like to say, mister Willie Jacob's
about we encourage y'all. We're gonna we go and Miss
Jake's gonna be coming on every month to try to
tell y'all come on now. Like Prince said, don't don't
don't have your folks doing fish fries and go fund
me I and especially if if if you have somebody
(38:41):
and as mister Jacobs said, if you don't believe them,
callers are they're affordable.
Speaker 4 (38:48):
Exactly, very affordable. So Bill, Well, we want the fans
to know. People to know today is that we appreciate
every single month that we come on and we give
you the information. This is not tedious for us. This
is not a situation where we hate to do it.
We we we're glad to come on and share the information.
(39:09):
This is what we're supposed to do as individuals. Once
we learned better, we are to make sure we do better, right, Bab,
we are now individuals. I remember when I was in
grade school, and I remember when I was in high school.
I remember when I was coming up and I had
people who I listened to, Doctor Martin, Luther King and others.
Speaker 5 (39:32):
Bab.
Speaker 4 (39:32):
Who's some of the people we listened to when we
was coming up through Jackson State that gave us information,
that wisdom that made us say, I can't wait till
I get to a point where I can share information
just like they're sharing information with me. Okay, these are
our leaders who we here learned from in the past,
and I appreciate that I didn't take it lightly that
(39:55):
we had people changing our hearts and minds and sharing
information with people. And that's what we doing today. Beb
has been here for years and years and years, and
we appreciate what she's done as a spokesperson at WDIA
for the last twenty plus years thirty how many be years, Bab, Yes,
ma'am forty two years. You see, she's been here a
(40:19):
long long time sharing information. So this is not something
that we take lightly. Okay. So what I'm saying to you, everybody,
listen to what we're trying to share with you because
things are happening every single day, and what you don't
want to do. You don't want to be caught holding
(40:39):
the bag when that time comes, when that thing come
knocking at your door. You want to be prepared and
know that you have done every single thing you can
do to protect you and your loved ones. So please,
if you have not done this, if you know that
you have individuals in your household, or you have relatives
(41:00):
of friends who have not done this and you know
they haven't and they need it, and they're going to
be knocking at your door asking for money in case
something would happen to their loved ones. To have them
to go ahead and make that decision today by calling
the Jacob's Final Expense Agency at nine zero one two
six zero twenty thirty five. That's nine zero one two
(41:23):
six zero twenty thirty five. You will not be sorry
that you did. We pray, we thank you, and we
appreciate you. And this is Willie Jacobs saying, hey, we
love every last one of you and that's absolutely nothing
you can do about it, and we'll see you at
the top.
Speaker 3 (41:41):
That's mister Willie Jacobs of the Jacobs Final Expense Agency
nine zero one to six zero twenty thirty five.
Speaker 2 (41:55):
I want to thank you callers.
Speaker 3 (41:57):
I want to thank you listeners for joining us us
stay on the BEV Johnson Show.
Speaker 2 (42:02):
We do, we really do appreciate you.
Speaker 3 (42:07):
So until tomorrow, please be safe, keep a cool head, y'all,
don't let anyone still your joy until tomorrow. I'm BEB
Johnson and y'all keep the faith
Speaker 4 (42:25):
The views and opinions discussed on The Beb Johnson Show
are that of the hosts and cars, and not those
of the staff and sponsors of w d I A
Bells Show, Bell Tping, Memphis talking and home away, helpout,
you go, you go, don't getting ready in time show show,
Let's go belling, Will magr day by.
Speaker 2 (00:24):
Here Rod to listen to what today?
Speaker 1 (00:31):
You know it's time of the belt of this show,
Time of the Mountains, show Lucky Let's go.
Speaker 3 (00:40):
We're still rocking and rolling here on w d i
A The Bev Johnson Show. It is a Tuesday, beautiful
Tuesday in Memphis, Tennessee. June tenth, twenty twenty five. Enjoyed
this fabulous day to day. Don't forget June is black music.
(01:01):
Mond Well once again he's strolling on in, in on
in here in the studio like they would stroll on
down at Jackson State. My friend, Master Willie Jacobs of
the Jacobs Final Expense Agency. Good afternoon, Willie Jacob.
Speaker 4 (01:20):
Good afternoon, beb How are you.
Speaker 2 (01:23):
I'm doing well today, brother, How are you man?
Speaker 4 (01:25):
It's so good seeing you again. Bell.
Speaker 3 (01:27):
It's good brother. In your business.
Speaker 2 (01:31):
It's good to be said.
Speaker 4 (01:32):
It's good to be seen. It's good to be above
and not beneath.
Speaker 2 (01:36):
Right right, So will you been doing all right? You've
been on vacation?
Speaker 4 (01:40):
No, no, no, we've been working here. We've been working
you know, We've been to Nashville, we've been to a
little rock just telling the story about finding expence and
burying church and making sure that people understand what we do,
how who we are, what we do, and how we
do it. Bell We certainly appreciate being back here at
DEIA today telling the people all about what we do.
Speaker 3 (02:03):
Okay, well, that's a good note to start on if
people have not heard of the Jacob's Final Expense Agency.
Speaker 2 (02:12):
So what do y'all do?
Speaker 4 (02:14):
We do is take care of families on the worst
day of their lives, okay, and whereby individuals don't have
to worry about what to do on that particular day. Okay,
we try to make sure it's done prior to their demise. Okay.
So what we do is we take care of individuals
who are healthy, we take care of people who are
(02:35):
not so healthy, and we take care of people where
other individuals may not even want to ensure them. Okay,
and we can do it at the low low rate. Okay.
We are not the highest in the industry. We are
not we are not the lowest in the industry, but
we're right in between and we do more than just
(02:55):
a one thing. We do funeral funding and we do
funeral planning, okay, and that's what you need done prior
to you passing away. You need someone to be there
to help you do that planning portion before you pass away,
so you know exactly what your your family members will
know exactly what to do when you're gone on to
meet with the Lord.
Speaker 3 (03:15):
So when you talk about final that's those last things
that you as an individual will require when you leave this.
Speaker 4 (03:26):
Earth exactly exactly, such as you know your your burial insurance,
your your funeral arrangements, and anything else you left out
of place that someone else is going to have to
take on, okay, or you want to make sure you
get a plan big enough to take care of all
your final needs you if possible, okay, But mainly it's
(03:46):
the burial and the funeral arrangements that you really need
to take care of and you don't need you want
to leave that in the hands of anyone else. That's
why we concentrate highly on doing the planning portion. Beb
And if any of you who have been listening to
us and they have not made up your mind, and
(04:07):
just to say today I'm just going to make sure
I take care of my final wishes, my final needs,
and I'm going to talk to someone so they can
tell me exactly what I need to do. That number
you should call now, BEB is nine zero one to
six zero twenty thirty five. That's nine zero one to
six zero twenty thirty five.
Speaker 3 (04:29):
And people who are listening says, okay, mister Jacobs, I
hear you. I've been hearing you, or for the first time,
people are hearing you saying, I don't know, brother, if
I can afford y'all.
Speaker 4 (04:43):
Oh please, anybody pretty much BEB has income, can afford us. Okay.
That's what people don't realize. It's just how affordable this
plan really is. Okay. And the only way you really
know that is to get the professional individual who can
help you and share with you the information that they have.
(05:04):
But they can't share with you if you don't call. Okay,
and you need to call us at nine zero one
to six zero twenty thirty five. The good thing about it,
they can take care of for you, BAB over the phone, okay,
or they can come and see you in person. Okay.
I'm the type of individuals who like to do business.
I like to see who I'm doing business with, okay,
(05:25):
and so you know, and so we have that part
of our business that we make sure that we go
out and see families in their homes and set up
that time that's comfortable for you, okay, where we can
come by and see you. Okay, but you have to come.
You can have to give us a call to see
exactly what we can do for you and how we
can do it for you. So that number is nine
(05:47):
zero one to six zero twenty thirty five.
Speaker 2 (05:51):
When you talk will about.
Speaker 3 (05:56):
Putting your funeral together and your company does, I mean,
what is that?
Speaker 2 (06:02):
What?
Speaker 3 (06:02):
What is what are you saying you don't have you
won't you wouldn't have to do it at the funeral home.
Speaker 4 (06:06):
Or right right? Well, you know we have. It's just
like I told you, we have two different plans where
we have funeral funding and we have funding through a
company where they would pay you the money, the income,
the funds that you would need to to take care
of your arrangements. And then we have the planning portion
which is done prior to meaning that you would whatever
(06:28):
funeral home you want, whatever church you want to be buried,
or a plot or anything of that nature, what clothing
you want to wear, what jurry or anything sungs you
want to sing, or if you're in any type of
a sorority or whatever. We you know, your sororities basically
have different things that they do at funerals, right, and
(06:49):
we have that where you can put it in right
and how you want things done, and they will honor
all of this when that time comes. You know, the
worst thing you possibly can Doater wanted to have a funeral,
and nobody knows what they wanted, how they wanted it done,
and everybody have their own idea what this brother or
this sister, or his mother or his father wanted, and
(07:12):
there that then comes a problem, and there's confusion among
the siblings and the family members. So we don't we
don't want that to happen, and that's what we try
to avoid by all costs. Okay, So this is why
we do the planning pustion up front. So when we
get you a plan for you, we're gonna sit down
with you and tell and shure, and you tell us
(07:34):
exactly what you wanted, and we're gonna put it down
in writing, and we're gonna give you a copy and
the other copy goes to the home office and it
put it in our eye coive, so that at that
time we put it out and say, okay, this is
what she wanted. She will tell your beneficiary exactly what
you wanted, okay, So you won't have any problem saying, well,
(07:54):
he wanted this. No, no, no, this is in writing
or what he wanted or what she wanted, so there's
be no confusion. You know, you won't have to see
at the kitchen table after they have passed away. Bill,
you do that before you pass away, so there's no
confusion prior to okay or afterwards.
Speaker 2 (08:12):
And so you're saying that you're you do that, you don't.
Speaker 3 (08:16):
You don't have to have a family member there when
you all are are making the consultation with that person,
you're doing it.
Speaker 4 (08:25):
No, no, no, they are doing They're telling us exactly
what they want done, okay, so that we can leave
that information with their beneficiary. Okay, with that person that's
going to be because they're not going to be there.
So we got they got to leave somebody in charge.
And the person that they leave in charge, they're going
to write down all the things that that person's supposed
(08:45):
to do for them, okay, so that their their last
wishes will be honored. Okay, Okay, so no, we don't.
What we will do is help them not to be
overcharged okay by the funeral homes that they use. The
we they'll call us and make sure that hey, this
is what this funeral home says that they would do,
(09:06):
and we will say, well, no, that cost there shouldn't
be there, and tell them to do this or that
and that cost will be taken out or a lesson.
So these are things that we do to make sure
that that funeral home, I mean, that customer is taken care.
Speaker 2 (09:21):
Of, okay.
Speaker 3 (09:23):
And all they need to do is you know, information
and as you said, I love you say you say
you can do it right over the phone.
Speaker 5 (09:32):
You can.
Speaker 3 (09:34):
You can make your arrangements, yeah, or talk to one
of your agents over the phone.
Speaker 4 (09:38):
And you sure can. And and the thing about be
what makes this plan is so so simple is that
it's it don't take long at all, okay. And the
plan is in place throughout the whole entire your whole
entire life. You don't have to change anything. It's a
whole life policy, okay. And even though that you don't
(09:59):
try to get the plan to accumulate any cash value
or anything. But it does. You didn't even accumulate cash
down through the years. Now you know, you run into
a hard time. Bill, you've been with us hollow on it.
Speaker 3 (10:11):
It's been a while, yeah, we were on so gosh,
it's been a little while.
Speaker 4 (10:16):
Yeah, it's been about seven seven years better right, yeah?
Speaker 5 (10:19):
Yeah.
Speaker 4 (10:19):
So so you know, if you look at your playing
right now, Bill, you got some money and there's some
cash that you can take out, and you ain't be
thought about that money happy. Yeah, we just keep it there.
Speaker 3 (10:30):
Okay, So I want you to talk about that because
I didn't know that.
Speaker 4 (10:34):
Yeah, Bib, you got cash value in your policy.
Speaker 2 (10:37):
Okay, okay, wait a minute now, Okay.
Speaker 4 (10:40):
You got cash that has accumulated in your policy because
you've been a great customer. You've been paying your premiums
for three or four years, but you've been a customer
for over seven years, five sixty seven years.
Speaker 2 (10:51):
Yeah, okay, you.
Speaker 4 (10:52):
Know, time fly. It does, especially when you're having fun,
and we've been having a lot of fun. But we've
been serious about you know what.
Speaker 3 (11:00):
But you know, we're laughing, but I'm serious because I
didn't know that and and you maybe you can.
Speaker 2 (11:05):
Explain that to our listeners.
Speaker 3 (11:07):
So if you get a policy and you say, somebody,
you've had it over so many years, you're saying you
have cash in there.
Speaker 4 (11:14):
M h.
Speaker 2 (11:15):
How does that work?
Speaker 4 (11:16):
Well, what happens is that once you have had your
positive for a while, the accumulation, you begin to accumulate
cash in your policy. Okay, okay, and that policy and
that cash just sits there and sits there and sist there,
and if you need it at some point or another, then
it can be used by you. Now, let's say, for instance,
(11:36):
if a person has some hard times after five or
six years, okay, and they got their policy and they
got eight hundred to one thousand dollars in their cash value.
Well if they see let's say, if they can't pay
their premium for six months, well the policy, they'll take
the moneys in the policy that you accumulated bill and
pay your premiums on a monthly basis until that that
(11:59):
that that cash value is it's gone. So that helps
you out there, and now your policy stills in force.
You ain't have to pay no money for the last
five or six months, right, And that's what we call security.
You are definitely secure when it comes down to having
cash in your policy with when something happening you after
(12:22):
you've had your plan for five six years, you know
that's a beautiful thing. Okay. So what you want to
do be have to find more information about how this works,
okay in full. Okay, call us at nine zero one
two six zero twenty thirty five. That's nine zero one
two six zero twenty thirty five.
Speaker 3 (12:43):
And those agents, Willy will can can explain everything to
them what they need to know. If someone's kind of
hesitant in saying, I don't know if I want to
get this or not. But your agents are there to
explain everything to them.
Speaker 4 (13:00):
Yes, exactly, Bear, you are absolutely right. They are there
to support you in any way they possibly can to
answer any questions, and the even set of appointments in
times that they can give you all the information that
you need. Okay, come and see you or even have
a conversation with you over the phone. Okay. We have
a lot of individuals who say only on the phone okay,
(13:23):
and we have a lot of people who sell in
the field as well. But you would be thrilled to
know once you give us a call to the information
that you will receive by calling nine zero one two
six zero twenty thirty five.
Speaker 3 (13:37):
And how people will will ask this and I hope
they asked this question that so I sign up for
the policy, So how do I pay?
Speaker 2 (13:52):
How does the payment work?
Speaker 4 (13:54):
Very good question. Bill, you own it today. I'll tell
you you must ask your wheatis this morning. Cheer your cheerio.
But but seriously, what we do. That's a good question
because a lot of people, uh don't understand that sending
money through the mail is not the way you do
(14:17):
things now because it's so much fraudulent going on. You know,
I remember sending some gifts off some time ago during
the Christmas holidays, and now I was gonna put some
cash in there and send it to my niece, and uh,
she asked, He said, uncle, what happened to my money?
(14:39):
And she never did get the money. Bab You know, Uh,
my mother was sent moneys from some of the grandkids
and they end up sending moneys they don't you don't
get you don't get it now for some reason, that
money ends up being lost. Okay, So when it comes
down to sending money to the company for paying for
(15:01):
your premiums two things you don't want to do. You
don't want to send money's in the mail. You don't
want to send money or all that kind of stuff
get somewhat lost. The best way you want to do
it is to it through your bank mail. Okay. What
you want to do is set up on a monthly
basis where your bank sends it to our company each
and every month through your checking or your savings account. Okay.
(15:23):
And that's the best possible way if anything should happen
whereby your money's don't get I mean, your payments don't
get made. The company we're going to make sure they
stand behind it. The bank is going to make sure
they stand behind or you getting that money to your
your insurance company. So it's a safe way of actually
you making your payments every single month at the same time.
Speaker 3 (15:45):
And you know what, Willie, I'm glad to explain that
to our listeners because I love that, because I don't
have to worry about save for mother, you know, overspending,
because you know.
Speaker 2 (15:58):
I'm a shopper. Hal, Yeah, I spent too much money
buying clothes.
Speaker 3 (16:02):
But I'm confident that I know every month, at the
same date time that that money is going to come
out of my bank account every month on a certain date.
It's coming out, and I know it's paid for exactly exactly.
Speaker 2 (16:21):
That's how it works.
Speaker 4 (16:22):
It's how it works. And you say it's going to
come out, how it comes out is that the banker
is going to take that money and send it to
Lincoln or send it to our company, Jacob's Finding Expense Agency.
What we thrive on making sure that everything is safely
(16:42):
done and whereby you have peace of mind and knowing
that your payments is going to be made on a
time the basis okay. However a lot of people say,
well no, I don't want nobody go into my bank
and get no money. We can't go into your bank bill, Okay,
I have to give consent. We have to give consent
(17:03):
for the bank to sind right.
Speaker 3 (17:05):
And because the bank's gonna say that, well, well wait
a minute, where we want to know if this is okay,
that you approve it.
Speaker 4 (17:11):
Now you go, So the bank is gonna send that
money to our company, okay. So when nobody can go
into your account. So that's why a lot of people
get messed messed up. They get confused to go there. Yes,
you can't go in your bank. I can't go in
your account and get a penny. I can't go in
there and get a penny. The company can't go and
(17:32):
get a penny. You with your consent, you can can.
You can have your bank to send it to us,
but we can't go in there and get it. So
every single month, at the same time you are to
make your payments, but that same time each and every month,
and you set that time but not us. Yeah, okay,
that's what makes it so so wonderful, is it? Because
(17:53):
you know the time that you want to pay that
every single month. I know pretty much my payments come
out between I mean the fifth and the sixth or
something like that.
Speaker 2 (18:03):
Mine, I chose the end of the month.
Speaker 4 (18:05):
Okay, the end of the month, right where you chose the
twenty seven twenty eight, because after the twenty eight, we
don't take any paperent ya after the twenty eight, right, okay.
So mine's coming out the fifth for the six and
I know that every single month it's coming out the
same time. So when I'm looking at my statement, I
already noticed that's gonna.
Speaker 2 (18:22):
Be there exactly.
Speaker 4 (18:23):
But I don't worry about that or coming out because
it's like paying your light bil. You know you got
to pay your light bill every month, right, you know
you got to pay you know, you got to pay
that phone bill every month.
Speaker 6 (18:34):
Right.
Speaker 4 (18:34):
If you want to keep talking, if you want to
keep talking, if you want to keep looking and being.
Speaker 2 (18:38):
Able to Yeah, if you want some lights, there you go.
Speaker 4 (18:41):
So it's a beautiful thing.
Speaker 3 (18:43):
Bill.
Speaker 4 (18:44):
One thing about when you call in now these for
you individuals who has been listening to us for a while, Yeah,
go ahead and call and get your information so that
we can help you be able to support your family members,
support your family that you know, all of along if
something would happen that they're going to have to take
(19:07):
up where you left. You don't want that. You want
to be able to say I left everything in place
you got me, I got you. I left everything where
nobody can say that they left me holding the bag.
Give us a call at nine zero one two six
zero twenty thirty five. It's nine zero one to six
(19:28):
zero twenty thirty five.
Speaker 2 (19:31):
Will A Jacobs.
Speaker 3 (19:31):
We're going to our phone lines to talk to some
of our listeners. Wd Ia.
Speaker 2 (19:36):
I call her, good afternoon, Bell.
Speaker 6 (19:40):
I'm a junkson.
Speaker 2 (19:44):
Prince jos the dear sell. Yeah, a crappy killer, the
crappy killer.
Speaker 6 (19:56):
Thank you Bell.
Speaker 7 (19:56):
How you doing today?
Speaker 2 (19:57):
I'm doing well today, Prince, how are you?
Speaker 7 (20:00):
I'm doing wonderful. And mister Jacob, how you doing?
Speaker 4 (20:03):
I'm how you doing today?
Speaker 6 (20:05):
Man?
Speaker 7 (20:05):
I'm on the top chef. There's always that, there's always
a good afternoon to you, your guests, your callers and listeners.
Mister Jacob very quickly, I know veves getting short on time.
Speaker 6 (20:15):
So two things.
Speaker 7 (20:18):
I'm glad that you're here to preach this knowledge because
a lot of people are still not comprehending what you're
trying to see.
Speaker 4 (20:26):
Uh so.
Speaker 7 (20:27):
And the reason why I say that, mister Jacobs, because
recently I was watching the news and a young lady
was slain by our.
Speaker 8 (20:35):
A strange boyfriend, I guess, and the family I was
watching the news and the family now is on what
then go fund me asking for for for money to
have to help eulogized and this individual because state didn't
I guess, they.
Speaker 7 (20:52):
Didn't have any insurance. And each and every time, mister Jacob,
I see this type of news that takes place, You're
the first person come to my mind that I said
mister Jacobs eating every month he comes home Bell Johnson's show,
and he put it so plainly that a fifth grader
can understand. And still people are still behind the eight phone.
(21:13):
You made it so easy, that is affordable, or you
would make it affordable for them to where it's comfortable,
to where it's comfortable where their pocket it'll be a
litdent in it. And in my condolences to the family
if people don't want talking about the young lady with
the three sons and a father and grandfather's not taking over.
(21:35):
And I just felt so bad because I says you,
we are in the time and they we never know
when death is going to be a pugnant It could
be at any moment, whether it be through that sense
of killing or dying from a disease or you know,
whatever death is going to come. You can't escape it.
And you have made it so easy to me.
Speaker 2 (21:54):
To me, now I have insurance, and.
Speaker 7 (21:57):
Insurance I got comforts me very well, so if I'm okay,
But if I didn't have it, I make a promise
to you, I would definitely get this policy that you offer.
I mean, it's just it's a win win for everybody
and I don't want my I don't want my family
like in your commercial that you're doing. They got a
fish fry or they got a spaghetti fried or I
mean a spaghetti place they sell and just in order
(22:19):
to make this happen. And we always find ourselves behind
the ebe or not follow us, but people are founding
themselves behind the eight bam thinking that this is never
going to happen to it. My second state me, like
I said, I want to commend you on this because
it's a wonderful thing. Don't stop it. Hopefully one day
people would jump on board like the rest of us,
like Bell Johnson and those others who were in the
(22:40):
past and jumped on board. My second question is to you,
I was reading and if you can verify with me
if it's true or not. And I don't know. I
was reading that is it true that blacks, well in
the black community are now get in cremated instead of
regular barrier because of it?
Speaker 4 (23:02):
Yes, read, yes, sir, very true. It's a true fact
that most of our brothers and sisters now whereabout in
the past, you know, we we kind of frowned on cremation, okay,
because we really didn't understand however, but still now it's
because the prices are cheaper to be cremated as opposed
(23:23):
to just having a burial. Most people are being cremated. Yes,
that is true. Yeah, and that is it's not for
it's very for not it's not cooler to me. It's
not a situation where it should happen, but it.
Speaker 6 (23:45):
Should.
Speaker 4 (23:46):
I said, it's not a situation where it's where people
would want to have a burial, but they have to
have a have to have a cremation based on not
having enough income. Okay, and it's only becomes the mere
fact that they have not playing well. Okay, if you
go ahead, if you go ahead and plan for your
uh for these these times, then you won't have to
(24:08):
worry about.
Speaker 2 (24:08):
That, okay, exactly.
Speaker 6 (24:10):
Example.
Speaker 7 (24:11):
Well, I'm miss I'm mister dick. I'm so happy because
I was reading that. I was shocked because I didn't
think in bell Doesson, I never thought that black people
would cross over to where they would be cremated more
than have a regular barrier, because you know, sometimes you know,
because we we we we we we don't think about
a cremation. But now, when I when I was doing
(24:33):
the research and I'm like, wait, even hold on, I
got to go back. You mean that now, and I
can't remember the year when it's when it started, but
now it's the norm. It seems like it's the norm
that is, that is going to be. And the reason
why I say that because that's what I'm I'm looking
towards the cremation and everything. So I'm saying to myself,
you know, so this is the thing that black people
(24:56):
are doing more of because of the expensive of having
a regular funeral. Because right now, if you look at
the numbers when it comes to a traditional funeral, it's
to run you over ten thousand dollars. That's what simple
burial exactly exactly.
Speaker 4 (25:13):
But you know what, the one thing about it is
that because you can get a plan with us, okay,
where a funeral will cost you ten or twelve thousand dollars,
we can help you get that funeral much less than that. Okay.
It's only only thing you have to do is call
our office at to nine zero one to six zero
twenty thirty five and you talk to them about what
(25:34):
you really really want and we'll show you. Even if
you've got a policy for twelve fifteen thousand dollars. We
make it where you don't have to spend that much. Okay,
So okay, it's a win win situation. But you won't
know exactly what you can do and how you can
get it unless you give us a call and nine
zero one.
Speaker 7 (25:52):
One last question, one last question. I did you mean
to cut you off in the field that you're in?
Do you see that more people are boring when they're
not doing the cremation, They're going to the most extravagant
funeral that they can come up with without having the
money to cover for it.
Speaker 4 (26:07):
Uh, well, not really, because what happens is that they
may try to go to that, but once they find
out that how much the funeral costs, they kind of
bag down off of it. They are kind of bagged
down off of that, and then you know, the funeral
home is not going to let you be extravagant unless
you give us to give them that strategy check. Okay,
you're gonna have to give it that check up front.
(26:29):
It's no, it's no uh no. Uh payments on a
on a funeral. You're gonna have to go go ahead
and make that payment right then on the spot. Okay,
if you don't have the money, you don't get that
type of a funeral. Okay, so no, they might come
in trying to have an extravagant funeral, but once the
funeral home lets them know exactly how much it costs,
(26:50):
they bag down off of.
Speaker 7 (26:51):
That funeral home whole a body or to that that
money is paid.
Speaker 4 (26:55):
Oh man, yeah, the funeral home can hold your body
is long. It's unreal how long we've heard We've had
had it with funeral who held bodies for months.
Speaker 6 (27:05):
Wow.
Speaker 9 (27:06):
Oh yeah, well well, okay, well listen, Jacob. I really
appreciate the bell, but always thank you for allowing me
to speak. I'm on Q and they're just a Jacob
and everyone. Have a beautiful bless of tape and healthy day.
Speaker 7 (27:16):
Take care.
Speaker 4 (27:17):
Yeah you too, thanks.
Speaker 2 (27:18):
Thanks Love byey w D I a HI caller.
Speaker 6 (27:24):
Hello, Hey, okay, I'm on here.
Speaker 10 (27:28):
Good.
Speaker 3 (27:28):
You know me.
Speaker 6 (27:29):
I'm always with more comment than questions, but uh, thank
you for your guests being there.
Speaker 10 (27:34):
I've been waiting and listening for quite a few months
here listening, but I wanted to tell him I'm a
guy that worked for funeral homes back in the day
seventeen eighty and uh we did some things like I say,
some guys are still doing them, and uh me being
a senior citizen. Now I'm kind of writing the book
and telling folks a lot of things happen in the
police department out then I worked in the bill bond business,
(27:58):
working a lot, and we did a lot of scruplings.
I look back today, I'm saved Jesus man. Now I
come tell the truth. And as I tell people, you
don't know this man is really helping you all because
nobody back in the day would tell us when the
white man come around with the big bag in his hands,
sleeping with all the women and all this stuff.
Speaker 6 (28:15):
They didn't tell us nothing. We saw it, but we
didn't say anything because like forbidding the talk.
Speaker 10 (28:20):
But today education is the key, and here's worldwide way
over here, the man is telling you give him a call.
So I'm encouraging everybody on your lunch break whatever. You
might take it as a joke. But if you're up
here with me and Bob Johnson, we just don't know
our age yet. But if you up here, you don't
know if you got twenty years left, five years look
at Sligo that I don't know who you look as
(28:40):
an idol, Michael Jackson, prince, anybody. We wasn't expecting them
to go. But you're gonna leave here. It's gonna get
a knock on your door from No Death.
Speaker 6 (28:48):
Angel one day.
Speaker 10 (28:49):
But you need your stuff to pass because people. I'm
not that way now, but people used to do stuff
like I know about in the funeral business. As a
man said, they're not supposed to tell tell you what
to get, but actually we did.
Speaker 6 (29:02):
I sit there and sold a lot of funerals, and
I named something because they had a business.
Speaker 10 (29:05):
But I look, we did a lot of things. And
I'm telling you today, even with my daddy being there
and so my sisters wouldn't listen to me, and I
would tell no, no, no, don't get this, don't get
They still did it anyway. They still end up with
three I said, get two motorcycles escorts. They ended up
getting like six or ten of them. And then they
got all that hearses and stuff, and I said, you
(29:26):
don't need all of this, but they didn't listen.
Speaker 6 (29:29):
So they argued. They argued, they argued.
Speaker 10 (29:31):
Then they decided to come up with he got ten
thousand dollars policy. But one person wanted to ten thousand
one person.
Speaker 6 (29:37):
They didn't want to split it up. They didn't want
to have a funeral. A lout a couple of thousand dollars,
like I said. Then they said he got an.
Speaker 10 (29:42):
Insurance social Security covenant two hundred fifty five hours.
Speaker 6 (29:45):
I said, that don't cover the funeral.
Speaker 10 (29:46):
They don't cover the burial.
Speaker 6 (29:48):
And then everything broke down. They won't tell you that.
Speaker 10 (29:51):
The man is telling you you need a print out
of all the breakdowns of a funeral home. Some white
guy went out of business taking pokemon.
Speaker 6 (30:00):
I met the funeral home.
Speaker 10 (30:00):
Somebody went out of business taking folk money, selling them
pre ranked policy.
Speaker 6 (30:04):
And I said, that's a good thing. But you got
to know that Galloway or.
Speaker 10 (30:08):
Whoever your folks with Hollywood funeral Home whatever, they I
wouldn't not field home but a graveyard.
Speaker 6 (30:13):
You got to know that they're going to honor that
because that thing.
Speaker 10 (30:16):
Back then in the sixty and seventy Grandmama had and
you're still holding on to it may not be up
to party to day. Now you end up because I
know a couple funeral home that do take or you
said they won't take a payments band.
Speaker 6 (30:28):
I know a couple of them to do. But they
make you sign your home over to them.
Speaker 10 (30:32):
They make you sign your life insurance over them, and
if you seventy or older, they will get you got
one hundred thousand dollars worth of insurance or.
Speaker 6 (30:39):
They'll buy it from you. And look around.
Speaker 10 (30:40):
People got new trucks, new cars, they got new everything
you think, and they got it off their retirement. Actually
they sold the insurance policy. And when they die, your children,
whoever you go out, they're not getting anything because already sold.
Speaker 4 (30:56):
I appreciate to.
Speaker 6 (30:56):
Share that what you got, it's some crooks out here.
So listen to mister Jacob, thank you, thank you.
Speaker 3 (31:02):
All right, captain, why are people listening? Before we take
this break, really give that phone number.
Speaker 4 (31:07):
That phone number is nine zero one two six zero
twenty thirty five. And when we come back, beavan to.
I want to mention something about what Captain said on
the phone about sending the pavements. And that's called a
pre need plan, and I tell you how that works
when we get back.
Speaker 2 (31:22):
Sounds good. We are talking with our expert.
Speaker 3 (31:25):
Mister Willie Jacobs is here of Jacob's Final Expense Planning Agency.
Speaker 2 (31:32):
Give us a call.
Speaker 3 (31:32):
Do you have a question for him nine zero 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.
Speaker 2 (31:46):
You in to us.
Speaker 5 (31:48):
You're listening to Tennessee Radio Hall of Famer BEV Johnson
on w d IA The BEVJ just show.
Speaker 9 (32:14):
You did.
Speaker 5 (32:24):
I'm telling him. Everyone talking, everyone.
Speaker 2 (32:39):
Welcome back.
Speaker 3 (32:40):
We are talking with mister Willie Jacob, CEO of the
Jacob's Final Expense Agency. And Willie, you wanted to remind
our listeners. You want to just say something that Kaeperna
had talked about.
Speaker 4 (32:51):
Yes, yes, he was talking about making payments beb. You
know he's a assurance funeral homes receiving payments. Now what
Cap is talking about it is what we call. It's
not a fine expense plan. It's called pre need, okay.
And the way the pre needs work is that if
you go into a funeral home and then you see
exactly what you like, Bab, what you can do this
(33:14):
pick out how and what you want for your loved
ones or for yourself, and they will give you a price.
And that price maybe ten thousand and fifteen thousand, maybe
twenty thousand, and you choose all the things that you want.
Then you give them a down payment, all right, and
you pay on it on a monthly basis, okay. And
(33:37):
if it's a fifteen thousand dollars plan, then you pay
one hundred and fifty dollars a month, or you pay
two hundred and fifty dollars a month until that fifteen
thousand is paid out. And now you got that funeral,
whatever arrangement that you've made, whatever funeral that you chose.
Now that's what they're going to do for you. Say,
(33:57):
for instance, beab if you only made payments for one
year and that plan was for five years, or for
six years or seven years, and you made payments for
a one year and you passed away, how much do
you think that the funeral home will give you then?
Would they have the same plan because you had a
plan in place, or would they give you just what
(34:20):
you paid for? And who will be responsible for the balance.
So that's what happens. If you only made twenty five
hundred dollars worth of payments, but you got a fifteen
thousand dollar bill, okay, then the balance is going to
be given to your family members wow to pay that
(34:42):
If you wanted that same type of funeral, or if
you didn't want if you didn't get that same type
of funeral, you didn't give up the balance of that money,
then the funeral home will say, Okay, you paid twelve
twenty five hundred to it. You don't want this plan
here because he's passed away, so we can give you
this one playing here for ten thousand, So you have
(35:04):
to give us another seven thousand dollars seven thousand, five
hundred dollars. You got me, I got you. So that's
what they call pre need. Ah, you don't have to
go through any of that if you get a plan
with Jacob's Finally Expense Agency. Okay, only thing you have
to do is just make that monthly payment each and
every month.
Speaker 2 (35:22):
That's all you have.
Speaker 4 (35:23):
All you have to do, whether you pass away a
month after you get the plane, two months after you
get the plane, three months, or a year, we're gonna
pay you what you decided that you want it at
that time. That's the difference in pre need and just
a final expense program. Isn't it great?
Speaker 2 (35:42):
I'm great. I'm glad you're explained it like that. Yeah,
and thank you for Captain for bringing that out.
Speaker 4 (35:47):
Yeah, for bringing that to attention, because some people say, no,
I pay on my funeral right. Well, you don't understand
that if you don't pay the full amount before you
pass away, that balance is gonna be left with your
loved ones.
Speaker 2 (36:00):
Gotcha.
Speaker 4 (36:01):
That is that something. And so you don't want to
you don't want to have a plan like that. That's
things that we did back in the older days. No,
you don't do that now, not knowingly. You don't have
to do that. Okay. So if individual if those of
you who are out there is doing that. Uh, we've
had a lot of people who say, well, you know,
(36:21):
I paid my funeral up. Those are individuals who paid
their funeral upbail. They had a pre need program. They
was blessed enough to live long enough to pay it up,
pay it out exactly, I got you, you got me.
So some people may not live that that time, you know,
and it's not a good plan.
Speaker 3 (36:43):
Because that then that it will be up to the
family members to finish it, to finish it exactly.
Speaker 2 (36:48):
Okay, get this last.
Speaker 5 (36:50):
Call w D I a hi caller, Hi, good jacobing Today.
Speaker 7 (37:01):
If you have one beneficiary on your policy and they
die or where money, that's a good question.
Speaker 2 (37:14):
That's a good question.
Speaker 4 (37:15):
That's a very good question. However, this is what we
do man on most policies. What we do most policies
they have where you can have a what we call
it primary beneficiary and that's the person that's mainly in
charge for anything that happens in case something happens to
the loved one, right, that is the first person on
(37:37):
your policy is the primary. The next person in line
would be the contingent. Okay, that's in case something happened
to the Just like Anita just said, what happens if
something happened to the beneficiary. That's in case something happened
to the primary insurance and the beneficiary both you got me.
(37:57):
Then you had another person in land, which is to Okay,
So that's that's what you want to do. You want
to add another person on your plan. You don't want
to just have one personal. If you possibly can can
have one personal, and you want to have a main
person and then the contingent that's the second person.
Speaker 2 (38:16):
All right, Okay, good question, Anita, very good question.
Speaker 3 (38:19):
Any other words you like to say, mister Willie Jacob's
about we encourage y'all. We're gonna we go and Miss
Jake's gonna be coming on every month to try to
tell y'all come on now. Like Prince said, don't don't
don't have your folks doing fish fries and go fund
me I and especially if if if you have somebody
(38:41):
and as mister Jacobs said, if you don't believe them,
callers are they're affordable.
Speaker 4 (38:48):
Exactly, very affordable. So Bill, Well, we want the fans
to know. People to know today is that we appreciate
every single month that we come on and we give
you the information. This is not tedious for us. This
is not a situation where we hate to do it.
We we we're glad to come on and share the information.
(39:09):
This is what we're supposed to do as individuals. Once
we learned better, we are to make sure we do better, right, Bab,
we are now individuals. I remember when I was in
grade school, and I remember when I was in high school.
I remember when I was coming up and I had
people who I listened to, Doctor Martin, Luther King and others.
Speaker 5 (39:32):
Bab.
Speaker 4 (39:32):
Who's some of the people we listened to when we
was coming up through Jackson State that gave us information,
that wisdom that made us say, I can't wait till
I get to a point where I can share information
just like they're sharing information with me. Okay, these are
our leaders who we here learned from in the past,
and I appreciate that I didn't take it lightly that
(39:55):
we had people changing our hearts and minds and sharing
information with people. And that's what we doing today. Beb
has been here for years and years and years, and
we appreciate what she's done as a spokesperson at WDIA
for the last twenty plus years thirty how many be years, Bab, Yes,
ma'am forty two years. You see, she's been here a
(40:19):
long long time sharing information. So this is not something
that we take lightly. Okay. So what I'm saying to you, everybody,
listen to what we're trying to share with you because
things are happening every single day, and what you don't
want to do. You don't want to be caught holding
(40:39):
the bag when that time comes, when that thing come
knocking at your door. You want to be prepared and
know that you have done every single thing you can
do to protect you and your loved ones. So please,
if you have not done this, if you know that
you have individuals in your household, or you have relatives
(41:00):
of friends who have not done this and you know
they haven't and they need it, and they're going to
be knocking at your door asking for money in case
something would happen to their loved ones. To have them
to go ahead and make that decision today by calling
the Jacob's Final Expense Agency at nine zero one two
six zero twenty thirty five. That's nine zero one two
(41:23):
six zero twenty thirty five. You will not be sorry
that you did. We pray, we thank you, and we
appreciate you. And this is Willie Jacobs saying, hey, we
love every last one of you and that's absolutely nothing
you can do about it, and we'll see you at
the top.
Speaker 3 (41:41):
That's mister Willie Jacobs of the Jacobs Final Expense Agency
nine zero one to six zero twenty thirty five.
Speaker 2 (41:55):
I want to thank you callers.
Speaker 3 (41:57):
I want to thank you listeners for joining us us
stay on the BEV Johnson Show.
Speaker 2 (42:02):
We do, we really do appreciate you.
Speaker 3 (42:07):
So until tomorrow, please be safe, keep a cool head, y'all,
don't let anyone still your joy until tomorrow. I'm BEB
Johnson and y'all keep the faith
Speaker 4 (42:25):
The views and opinions discussed on The Beb Johnson Show
are that of the hosts and cars, and not those
of the staff and sponsors of w d I A
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