 All right. Hey guys, I'm super excited to jump in today because we have the final I'm talking the number one final expense sells tool Final expense business in a box. It's like dude. It's like everything you want to do guys in Joseph's gonna show it actually walk through it today. You can put it It's like it's like taking everything and putting it into a briefcase, but actually putting on your computer It's super impressive. I want to walk through this thing if you're selling file expense other products to come Joseph dude, thank you so much for agreeing to do this buddy. Thanks for having me on Cody I'm gonna jump right into it. I'm gonna share my screen here Let me know if you can see everything. Okay. Hey, well before you do what was the what was the Reason for creating this was it like dude. I see some massive holes in the market that I need to address That was the big thing is that the constant questions at my old IMO is it was like a weekly joke where someone would ask Where can I play a COPD? Where can I place for Eva and the head of the IMO it was almost a copy and paste answer Not that he did that but every single week and we had the best I mean I was agent hotlines group chat I mean you had every tool and agents kept asking the same thing So I thought what if there's got to be a better way to do it? You know, there's got to be a way to put some of this knowledge in your pocket besides just a PDF cheat sheet So that's kind of where it all came from and it's developed a lot since then dude So how did you get so freakin smart to build like CRM underwriter quote or Legion for your site Like all this into this incredible software that we're about to show everyone. Well, the easy answer is I'm not my partner Frankie he handles all the the tech side the code side. I have nothing about that I just kind of steer the ship and handle all the data on the final expense and the underwriting side So the answer is it's not me. It's all my partner who does all the coding and we have a separate designer who handles everything You interact with as well. I love it man. Well, dude, I'm super excited to see it I know others are super excited to see it. So let's dive in man. Take over buddy. Appreciate you Yeah, let's do it. So before we go right into it I'm just gonna show you the quickly the site and discuss our pricing So Cody, I think you said on Saturday about like duplicating yourself So if you have an agency if you know, you're an IMO or this is final expense tool It's basically the closest you're gonna get to duplicating yourself and giving it to your agents outside of just a PDF cheat sheet So the number our number one goal is to change the industry and to keep the product available and affordable to everyone So you can see our pricing here. We we put it this way and if this is not intro pricing This is how it's gonna stay so for the for most people You're gonna be looking at the to the agent and the business The only difference is that we give you like this individual URL There's no underwriting with it, but you can share it around the only difference is that the business plan Gives you unlimited number of quotes for that like if you're putting on your website something like that But the software itself is unlimited no matter what you get Then we have the agency package for smaller agencies and then if you have a larger organization You can always contact us. So we do discount it another 15% annually. So yeah, these are super reasonable man Like this is this is so inexpensive that anybody watching this is selling fun expense It is a complete no brainer to sign up. This is unbelievable, bro Thank you. Yeah, we do want to keep it number one goal is affordable and available So doesn't discount the work we put into it, but I'll hop right into here I'm gonna spend I spend more at Starbucks like the next The rest of the week then then I could on this whole software plot every month. This is amazing Hey, yeah, well, we get the comments all the time Why don't you price it more like what's the catch and then there isn't one We just wanted to keep it affordable and we want to get it in the hands of as many agents as possible So before I actually jump in I'm gonna nip in the bud to to the most common questions Number one is there a dialer built in the answer is not yet, but we are building in a Twilio dialer Hopefully within beginning of quarter three is when we estimate that we'll be in and then the second question is always when it's term coming So we are actively working on term right now that will be included for free to anyone who uses fixed toolkit But that's probably end of March early April is when we plan to start rolling that out and we'll send out emails and social posts At that time as well. So before actually getting into the software one quick thing I'll show is what we pride ourselves on as customers support So when you reach out to us, we're gonna be there. So let me just show you here This is like a chat bot. So whenever you send a message here It sends a message to myself my partner our designer and Chris Smith who works with us on the software So I'll just do a little test here. Hey, I need some help So I'm just a random user. I'm not signed in and we'll just wait Why and you can see Frankie is responding Yeah, we should you guys what I want to know is do you guys freakin sleep man? Like this is unbelievable. No, but the funny thing is I was on I think it was 12 30 last night and the week before chatting with a guy who just likes to message us late So you can see Frankie just responded there So we try not to sleep at the seven day a week thing holidays don't matter. So this is our this is our primary focus So that's commitment you can tell your obsessed with helping agents because that's that's super unique, bro Absolutely, so I'll X that out there and so let's get right into the settings page first. So Settings page a few things. So this is the light link that I mentioned before. So this is just a shareable link So I'm just gonna show you here. I'll paste it into a new tab So it's just a light version of the software that you can share around. So there's no underwriting with this I'll just run a quick quote just to show you what it looks like And it just shows the company's here, so there's no underwriting nothing special here It's just that you can bookmark it on your phone It's mobile friendly you can share it around send it to a client if you want you can filter out the company's that show So we like to give everyone access to the light link Next is the embeddable HTML. So yeah, thank you We every quote in our system returns in under one second because we know that whether you're selling over the phone or in person Every second is important. There's no compromise for speed So everything you can put in every health condition in the system. It will return the quote within one second Love that man. I'm a big proponent and a big believer in speed and scaling with speed and doing stuff quickly Especially right you're right. You're on the phone selling somebody You don't have to wait or having tech problems in the middle of it. So that's absolutely There's no excuse for speed. It's got to be fast I run a call center myself and I know that every single second is important So we don't compromise on that Second thing is the embeddable HTML. So this we give this to every user So you can just copy we even have a video up on YouTube how easy it is it takes a few minutes You just literally paste it into your website and this is what it would look like So if you want to generate leads, you can use it for agent agent facing or client facing So let me just I'll show you an example of how it integrates into our system So I'm just gonna run a basic quote doesn't really matter the state here. We'll just put age 60 I'm gonna hit get quote. So when the person gets the quote On your website, it'll come up to this page here and then you can see the contact buttons on the right So, okay, someone's looking through and you again, you can fill throughout the companies that show here Let's say, oh, they know mutual Boba hon. That's company that recognized contact us. So let's put in let's put in my name put in my email and we'll put in my phone number will say 10 a.m. And 123 Main Street Looking forward to your call and you hit send So now and I'm gonna turn this might have missed it But it sends a email notification right there. So it leads been added to the CRM Wow Then if I head over to the software You can see the lead that I just did is now sitting in there and if we expand that lead You can see it's already been dispositioned all the information I put in Right there. So that's something that we think is important because especially for the pandemic a lot of stuff is pushed online And if you're not you don't have an online presence, you're probably missing out on some business So every user gets access to that and it's really at the easiest copy and paste Dude, you are you can tell you eat breathe and sleep this and because you are you are full You are like it's just second nature like you're just moving fly and I'm like do this Thank you now I'll show you one other thing while we're on the topic. So we do make our to-do list public because we get all kinds of Recommendations all the time. Oh, yeah, so this is on our social media So every week we do a change log of what we improved that week is the things we're working on now This is our general to-do list We have things to do with our mobile app and then this is kind of backburner ends for a little bit later So whenever you suggest something to us It doesn't just go into a black hole where we say we're going to work on it You can actually see how it's going to go through our process and how we work on it You can get updates. You can clarify on things. So we keep everything transparent So you can see that we're actually working for you Not the other way around your bunnies going somewhere every month. So love So we're gonna throw it so for today, we're just going to leave on pretty much everything I'm gonna turn off some of the M.M. Ray packages just because there's no real sense in leaving all them on But we have pretty much every major carrier. We're working on getting a few others in Royal Arcanum Baltimore life There's a few stragglers, but pretty much every major final expense company is in the software as of today And then we do have what is important is our telesales toggle So again, I mentioned that I run a call center and a lot of us are now selling over the phone So the telesales toggle takes away all that guesswork or that those Changes that happen when you sell by the phone. You have a shirt you get limited to 15,000 Prosperity no voice signature in PA mutual bummah. How you better make sure you're not faking that email signature stuff like that It filters all the and it reminds you while you're using the software And I'll show you some of the differences that it does in a second But the telesales is pretty important to a lot of our users. So we want to emphasize that there We're gonna leave it off for now just so we can see everything But for now We are going to go forward. So Love it. Thank you. So we're gonna first thing we're gonna look at is the drug lookup tool So a lot of people ask why do we have the birthday? So we have the birthday and just to make sure you're getting the most accurate results Same thing with states certain products aren't available in certain states at certain ages product availability changes And for example companies like trends America care about the date diagnosed We want to make sure we're giving you the right answer. So for now, we'll just keep it as one one 1960 And we'll type in very common medications for Eva So they're taking it for COPD. We'll say the first fill was number of years ago back in 2016 And you can see the companies come up here And if you mouse over the little question mark, it'll actually tell you why because we don't want this tool to be a crutch We want it to be a learning tool so that you can do the best underwriters always gonna be yourself So if you can learn the underwriting, we love that We just want this to be a tool to assist you to underwrite better because there's things that none of us can memorize completely And then show you here. So if you add on things, I'll just add on one that doesn't really make any change Right on the synapril Nothing changes, but then if we add on we'll just say something like the nephazole It's gonna pretty much knock out most things. So as you add on drugs, it knocks things out So the drug lookup is obviously built into the main quarter, which I'll show in a second But we have this separated just so that you know clients as I take this where can I go? If you don't want a full if you don't want to run a full quote, you can just do it on the drug lookup tool So that's You have agents calling up lines like every appointment With these types of questions that they don't never have to do again now if they don't want to yeah We don't want to ever say that this is gonna remove It's always great to have a great support system a good offline being the group chats and all that But if you can do the majority of it We liken it to a GPS if the GPS can get you 95% of the way there if you need to drive the last few hundred feet The park great we if you want to call your point all that But we want to give the agent the tools to be able to do as much as they can themselves because Before COVID I was running a field agency myself. We were doing a little over a million analyzed But most of my day was spent or most of my day being most of my time interacting with my agents was basic underwriting questions So it was calls and it was eating into my productivity. I'm sure it was eating into theirs So think about if you can run a few extra appointments a year You're gonna get a few more cases placed here that can really add up whether you're an agent or an agency So we'll take a look now at the health cheat sheet So that the health cheat sheet is essentially what those PDFs that we all share around are we just digitized it And we added a little bit more information on it So if we type in a condition like atrial fibrillation It pops up in an alphabetical order the carriers that we have turned on and What I'll point out is and I'll show this with a few other conditions We actually show everything on the cheat sheet. So if you look at it most cheat sheets for a fit It'll tell you within two years moog rated We make sure to indicate on there if diagnosed within a year It's a decline because Moog cares about a heart condition diagnosed within a year So we try to list every possible piece of information on the cheat sheet as well So I'll show you that with another this one's a little bit more in depth So past cancer you can see there's all different carries of all these kind of different questions like metastatic cancer They're a cancer more than once and we list these on the cheat sheet So when you're looking at this carrier you make sure you're getting all the right pieces of information So you can ask those to your prospect and we'll add on one more here just to show you what This one looks like so you can see bedridden if it's currently bedridden decline So we don't just list because a lot of cheat sheets that I've seen they just looks like the company or they don't list everything So here, you know, you're getting everything you get the condition you get the time frame It just makes sense and it's all the same format. So that's something that is pretty important for us to do Thank you. And now we're gonna head over to the main part, which is the quarter itself So this is where you'll spend most of your time and this is the main quarter So we do have this toggle up here is the same thing as that light link if you just want a cleaner interface You can just toggle it over the light. It removes the underwriting completely You don't need to put in the underwriting even on this side of it But we just have that in there some people like toggling it off if you're flipping it around for a client Maybe just maybe it looks a little bit cleaner So what we're going to do is just firstly we're going to plug in some before we actually run a quote I'm going to show you why this isn't just like a computer. It's like having An underwriter like myself or chris smith someone who really knows the products in your pocket. So let's put in Some drugs. So we'll put in metaprolol And we'll just say it's for high blood pressure. The first fill doesn't really matter in this case We'll then put in carbidol For quote-unquote high blood pressure and then the same thing. We'll put in spirono Lactone for quote-unquote high blood pressure as well So you can see it auto suggests chf here. So if someone's taking this combination medications They might not but it's probably a good idea to follow up and ask if they have congestive heart failure Now certain carriers like real neighbors will have certain indications built in but we have these in here So that if you put in the combination of drugs, it's going to remind you We'll do yeah, so that's that's important to know and we have we have a number of those in there And we'll put in one more. So I'll take those out And we'll put in this is probably the most common one Yeah, if you're an agent, you probably know what I'm about to do. So the gabapentin informant Totally plug that in and use it while explaining the follow-up questions in a second But auto suggest diabetic neuropathy. Now, of course, there's some carriers like american amicable assurance We're worth the right explanation. It can still go immediate or level But we like to add that in there just so that you know, maybe you want to ask a follow-up question For a newer agent, maybe they don't know Gives you that opportunity to ask that again to the client So let's me Or remove this and we're going to run. Oh, go ahead. I love that that takes some of the I mean a lot of new agents may not know that Right, so it's uh, it's nice that you're you're putting that on there. So they at least think to remember to ask So thank you. We do our best to make sure every indication is in there So what we're going to do now, we're going to ignore the health part for a second We're just going to run a regular quote so I can point out some things on the software And we're going to change this to graded just so I have a few more things to point out So we get quote you can see it returns right away All the carriers so a few different things I'll point out number one is the commission cut indicator So of course it can depend on your contract. It's never going to be perfect But for certain products, generally there are commission cuts So we like to list those in the software so that if you see that green money sign You might want to double check because there might be a commission cut no one likes to get through commission cut That's not fun Yeah, I've I've learned myself. I've written policies one policy on a royal neighbor's over 80 That was a 40 hit so never again But yeah, you can see the I button here So whenever a plan is graded, you know modified and in any way rated other than preferred immediate standard You'll actually just be able to mouse over because of course all these plans You can see this is probably the most complicated one prime term They have all these different parameters and it's impossible to memorize everything So we keep it right at your fingertips so that if you need have any question about how a plan works You can look at it right there So it's all and of course, you know, home life is different in pa so clean and simple so clean Thank you. We try to keep it as you know Big logos and clean and you can see the social security billing star on the left So if a carrier does offer social security billing, you'll see a little star there So that's helpful for your persistency. It keeps it keeps stuff on the books to 10 15% more So we try to highlight those carriers that do that with the star on the left So look out for that as well And we do hide if there's an annual rate you can see here We're going to talk about the CRM in a second But if a company offers accidental we auto run it in the menu here So if you want to quote them with the accidental you can So thank you. So we're going to now put in some medications So I'm going to show some Second level of indications of what we do. So first we'll go back to this spirono Lactone that I mentioned before we'll just put it in for blood pressure And we're going to run the quote So if we look here A few different things you're going to see so you're going to see this red dot on a few different carriers So that means that it might be referred to an underwriter could be on the red flag list Now set and it'll says it'll likely be rated So if you see this red dot for a medication or a condition you put in usually medication It'll actually remind you hey Maybe you want to go with a different carrier because this medication is on this carrier's list Now it might go through so you can see we don't change the indication But we let you know, hey, this is this is on their list. Maybe you want to look somewhere else if you can So we like to let the agent know every piece of information we can We're also going to throw on here asthma So I I'd skip go ahead. You would have saved me so much time in the field years ago Yeah, I wish I had this kind of that's how I build it Does I wish I would have had this myself when I started? I'm something that you can see I've been skipping over is these questions that come up after the condition So we call these follow up questions or fringe questions. So our underwriting system is linear So when you enter a condition, you don't have to click around on something You don't have to look through another list of things when you enter something We're going to ask you every relevant piece of information After that question. So we call our underwriting system almost like a funnel So we give you as few choices as possible at the top Then we expand things as we need to so that you can ask these questions The other benefit to that is that we all don't use the same companies You know if certain companies care about and I'll show you here This is the one that I brought up before the past cancer So I pop this in here. I have the carriers all the carriers turned on So gcu security national carriers that care about the type of cancer obviously besides basal cell We'll ask you the menu now if I turn off security national gcu and these I think there's one other that we at kskj and Cincinnati that care about the type It won't ask you because it's not relevant. Why waste your time? It doesn't matter if it's breast cancer prostate cancer most carriers will see it the same way So in this case, they do care. So we'll just hit other the data last treatment. We'll pop it back to 2015 And then you'll see some extra questions. So have they ever had cancer more than once? No, I've never had metastatic cancer. No And in kskj have they ever in the past four years have any chemotherapy radiation? No done So now we've entered every relevant piece of information So we know that when we're running the quote, there's no surprises for the phone interview the mi-b checks You know, you've done everything you have to do So that's a system that you'll see often in our software with these follow-up questions So let's do plug in a few more cases here. So let's plug in a combination that some people might not recognize We're just going to put in less than a pearl I'm going to put in a lotapine And we're going to put in metaprol You can tell you know this stuff, uh, like the back of your hand Hey, I've been doing it since I was 18 so it kind of gets ingrained when this is the only, you know, real job I've I've done in my life, but I enjoy it So I can say I put in three blood pressure medications and you can see there's now there's a red dot on liberty bankers So due to three or more blood pressure medications, it'll likely be pushed standard not a guarantee But it likely will now they don't publish that anywhere Most people don't know that but we do because we're agents Now we we get our software and all the information from myself and other agents in the business So we let you know it'll probably be pushed standard now if you put this Just in by itself it wouldn't necessarily indicate anything but we know that it will so That's something that we feel all these. I'm just trying to show you some of these second level indications Not just run regular quotes, um, and we'll do one more here just to or a few more So we'll do let's say someone has COPD Doesn't really matter and then let's say they have multiple Sclerosis So if I run this quote We're gonna look at one carrier in particular a few carriers do this but in this case gcu So these two conditions are both standard conditions when you look at their application But if you have two or more yes answers in the section it turns modified So trans america a kskj gcu several carriers do this and we have that inner software So if you're entering something it's going to actually show you the way the carrier would see it Not just based purely on the information you put in so we like to emphasize that For our users and I think I already showed you the cancer system So now let's say let's run. Let me just take this off and we're just going to run a regular quote So again, keep in mind we built this from the perspective of an agent So when you quote the client, you're not done You then have to actually or at least most of us do the abc or the bronze silver gold or the 123 clothes Where you show them the three different rates and you say which one is best for you and your family So in this case, let's say we're going to do Let's push over Mutual of oh, uh, you know, I like american we'll we'll push them over So you can see all the information from the quota page was pushed over to the right side of the quote Compare tool, which is something I skipped over before so quote compares our point of sale tool So all the clients information is now here. We picked our product and now we're going to run a quote Let's just say five we're going to run seven five And ten So we get quote and we're presented with our tiles So this is designed if you're at the point of sale you can flip the iPad around or your surface Whatever you use and show the client if you're in a tele sales environment You can just read them off right here and you can see it's very quick. Everything's getting pushed over You don't the stall there's no waiting and talking's waiting for the quota to load It's all right here If you want to quote the accidental death that shows you then if you're ready to head into your e-app You can go right there and you're going to head right over to the application itself So That is another important feature you can head right over to the if you know what you're going to use You can just head right over but we have that in there because that's kind of the process of the sales You quote or you pick the carrier you're going to use then you quote then the final step is actually the crm So I'm going to go back over to the quota and for these purposes. I'm going to add in just two things I'm going to add in less than a pearl Just show an example and then I'm going to add in Just gonna add in the health condition he said So let's say in this case what I just put in would knock out move, but let's let's push over Let's just say we wrote barristers on this client So close the sale. It's sold. We're going to push it over to the crm So we're just take this We'll type you in here. We have all the carrier information there. We'll say 1 2 3 main street We'll just put in my number and then we'll put in my email We'll just say client was healthy Wait safe. Thank you. So now this is pushed over to our crm, which is HIPAA compliant And we see that the sale we just made is now pushed over. So the interesting thing is Because this is built from a final expense agents perspective You can see the medical information is stored again HIPAA compliantly So if you want to come back to that client, you know, what I do is just I call them in the For two weeks or so when they get their policy in the mail Then I call my clients at six months and 12 months because you know, if you're not reaching out to your clients You're leaving a lot of business on the table And if they're not going to buy it from you they're going to buy it from someone else because if they're a buyer, they're a buyer So we have the notes that we put in here medical info here. We can set an appointment with this client We can see the basic overview here. We can disposition them. So let's just we did sell this client. So we're going to add it to Sold I think you would have sold me a lot more premium just as a fun side note Yeah, yeah, I probably could have but you know, some some agents like me try to keep the premium a little lower That's just my my way of doing it, but Thank you. So you can see all the dispositions you can put your interest is you can sort them If I want to import my crm from another piece of software you can do so We have another youtube video just showing how this works. It's very simple I can add a client manually here Then of course we have the calendar built in so you can set your appointments keep everything on here And on the dashboard you can set a reminder, you know, if I just sold you so call cody will say on Feb 10th So make sure you got your policy We'll set a reminder 10 minutes before just so I know And we will set it as february. He probably didn't need to put the date in there But we'll say we'll call you about 10 in the morning. We'll hit save so now we have a reminder It'll email me ahead call cody reminded make sure he got his policy ask if he has any questions Maybe you try to upsell him. Do you want to hey, they approved you for two extra thousand for 20 bucks a month something like that? We have the reminders in there as well So Yep, and then the last thing I'll show you is you can actually push the case back over So if I follow up with you in six months. Yeah, I want some more coverage. What can you do? You probably don't remember remember this client's exact health conditions health information you just hit load quote file And it pushes that client back over. Hey cody, you're still you still have the a favorite You're still taking those sun approval for high blood pressure So it all loads back in and you can just pick up where you left off With that client. So it makes it a little bit easier for you to uh To do that. So that is essentially the software. So we're again, I showed you in the beginning We're working on it every day. We add things all the time. We take feedback very seriously But we were pretty happy with how far it's come and we we have a lot of people hundreds of people In fact using it and it's a big part of their businesses. How does someone? Um Dude, how does someone get Signed up Immediately where they watch this they're sitting here like man. This is unbelievable. I'm ready to move forward. I got to try this This is sick. How do I sign up right now? Yeah, so very simple. So all you do is I'll log out for you here You just go to fextoolkit.com and you hit sign up So we did make a discount code for uh for you cody. So it is 1 for 1 off. I'm kidding. It's not it's 8 So there's the word 8 and then I'll just type it in here. So you see so 8 Percent you type that in the promo code field will give you 8 off for life Um, and then you just pick one of the plans if you're a larger agency, please do reach out to us first But we make it pretty simple all of our payments are handled securely through stripe Um, so you should be able to sign up within a few minutes ideally But also love that man. This is crazy again 8 percent We'll make sure we put the discount code and the actual sign up registration link in the description below this video as well Um, man unbelievable job buddy. Anything else you want to add? Uh, that'll be it. Thank you for having me on cody. I really appreciate it Thank you, man. Appreciate you appreciate you and and frankie and the knowledge and what you guys are bringing to the table Unreal you guys are checking this out You guys know we're going to bring you the top sales tools on the planet to help you sell more insurance And I personally recommend and back FBX toolkit go get it. Thank you guys cody. Hey, if you enjoyed this I got another one. You're gonna love it's right there. Click on it See anyone watching this can become a millionaire in our industry. Most people don't know this. Okay four percent of all companies In the u.s Do seven figures a year Here's also another stat most people don't know