Single Premium, Final Expense Insurance That Never Expires | Smart Lock | C.J. Francis-Eronini

Ep. 26 If the thought of losing your life insurance coverage when you need it most keeps you up at night—or if monthly premiums feel like a financial juggling act—this episode will give you peace of mind you. This week on Grace & Grind, Dr. Pamala Brown-Grinion welcomes insurance expert and chairman of YU Financial, C.J. Francis-Eronini, for a real-talk conversation on a game-changing life insurance model: Smart Lock—a single premium final expense policy that you pay for once and keep for life. C.J. breaks down how Smart Lock works, why it’s a powerful solution for protecting your family and your future, and how it flips the script on traditional insurance models. From avoiding policy lapses to converting retirement savings into lasting legacy protection, this episode empowers listeners—especially in underserved communities—to make wiser, more sustainable financial decisions. 🎯 Key Takeaways: ✅ A one-time payment can lock in lifetime coverage—no more monthly premiums. ✅ Smart Lock helps protect you and your loved ones, including aging parents. ✅ Think differently about insurance: It’s not about how much you get—it’s about what you keep. ✅ Plan now, stress less later: Your financial future can be both simple and secure. 🔊 Memorable Quote from C.J. Francis-Eronini: “We like to say get it and forget it. Use it, don't lose it.” 📲 Resources Mentioned: 🌐 Learn more: YUFinancialCo 📲 Follow Dr. Pam: @iamdrpamala 📞 Call Dr. Pamala: 585-454-9827 or Cell: 585-330-0766 Email: [e-mail] Chapters: 0:00 Smart Lock: A Single Premium Insurance Asset Solution 1:44 Reimagining Life Insurance for Uncertain Futures 7:12 Turning Lump Sums Into Lasting Financial Protection 9:28 Insurance as a Two-Way Street for Families 13:17 Liquid Asset for Family Protection 20:01 Determining Minimum Insurance Needs for Financial Security 24:40 Understanding Insurance Policies and Financial Security Learn more about your ad choices. Visit megaphone.fm/adchoices