Sign New Hampshire Banking POA Easy

Industry sign banking new hampshire lease template mobile

all right man well let's go ahead and um um get rolling uh a couple things we now have two new comp well one additional company we have sons of norway which is um appears to be a really good guaranteed issue product going from age 0 to 85 and it fills in a lot of holes that we don't have but then we have a new company called occidental american amicable which has a wide wide variety of products which i went over i went over that on our boot camp last night and we had a really nice boot camp really really some really good people on there and uh very encouraged going to keep adding to the unique writing agents every week so let me see if this will let me go without having to log in so occidental american amicable so this is on okay i do have to probably sign in um american amicable i've heard about this product we've run a we've run against up against this product in the past with people that have purchased this product like the morse protection term i'm not too familiar with um all the things that they have but when i looked at their um when i looked at the website on the ark i was like whoa it's got some stuff on here so we got this american legacy whole life american guardian whole life which i have no clue what's the difference easy term term made simple home protector term oba um i don't even know what that means michael jacobs says they use you fast yeah that's what the reputations they issue it pretty quick express ul which sounds like a smart ul security protector term accidental security protector decreasing term with monthly income galilee this is crazy i've we don't have anything that looks like that capital next legacy term slash annuity financial lifeline whole life annuity legacy builder single premium whole life this is crazy i mean look at all this this is nuts so i can't wait to get gina on here but there's just a whole host of things so um get on the nea contracting website you have to be invited to apply so in order to do that you go to nacontracting.com [Music] okay it's like i'm always signing into something and i think i read somewhere about voice signatures so then you go to nea and carrier contracting i just got approved with sons of norway so that's kind of cool then you go down to the invite so invite carrier contracts so this is where you have to fill not fill anything out because they're not really anything to fill out you just have to click on where is it i know it's here i was here a minute ago at the top american amicable oh there you go a.a okay american amicable um if that's if there's going to be an open box you want to click on that and then click on next and then it takes you um they're going to send you an invite to fill out the contracting by email so expect the email in the next day or two and and so be looking out for it and then it'll give you the links to link in to link to filling out the contracting information and i got contracted like pretty quick i was pretty impressed with how fast they were doing it so um so get contracted and same thing with i think censor nora was actually i don't think that that's okay that's a regular electronic contract so you just click there on the round thing and then that'll take you right into filling out the contracting paperwork when you hit next so really get those under your belt you know we've got some really great opportunities with these carriers and um so let's go back to carriers so let's kind of explore see it's under oh isn't it oh my gosh oh this is funny they have not updated as a web guy right they have not updated okay let me get to it from here anywhere carriers now it's going to show up on that there you go okay they have not updated the contracting web page with all the links god knows i know what that's like not having all the links on every page act act activated so let's kind of let's take a look man i'm kind of curious are you let's take a look at this so let's see american legacy a whole life hold on let me uh that's probably what this is american legacy aging cod let's look at state approvals american legacy final expense state approvals let's give us an idea wow there are holes it's like montana new hampshire puerto rico see where are the other holes maine guam wow we don't have any guam gomainium agents just like montana puerto rico well it looks like you know under these various different companies it looks like that products in most every other state so that's kind of cool thing to know so if you're in montana um that's that's a bummer and uh guam if you're in guam it's kind of a bummer too but i'll have any agents out there let's take a look at i wonder if this training is a powerpoint okay not approved in maine montana new hampshire and new york american legacy your whole life simplified issue no exam ages 50 to 85 minute phase 2 500 maximum media death benefit 35 020 000 maximum greater return wow return a premium on a whole life now that's new so that's when they're really sick so this probably mirrors a lot of the way that our other products work immediate death benefit graded year one thirty percent year two seventy percent year three hundred percent 100 for accidental return of premium death benefit under age 65 years 133 return of premium plus 10 okay return pre and death benefit okay so this is not a graded age 65 plus you two years return premium plus 10 percent above 65. why they degraded um okay 100 face amount for accidental riders accelerated benefit terminals confined care grandchild rider that's cool nursing home waiver premium children insurance agreement rider axel death can find care if confined to a nursing home and at least 30 days after the policies issued can receive a monthly benefit for up to five percent of the face amount that's new well that's not new that is um for a whole lot that's pretty cool so that's it's very similar to like our chronic illness not available with graded or return of premium plans wow that seemed like there's a difference grandchild rider children's insurance what's this provides level term insurance on children until the earlier the child's 25th age 25 or applicants age or application stage 65 at which time the coverage is convertible to permanent ah okay well that's cool it's like a regular children's insurance rider nursing home waiver premium probably works like our other ones excel death yes no application my brx check highway guidelines telephone interview wow so you could it looks like this requires telephone interview age 50 to 70 and the payers other than the proposed insured oh wow so they got into their phone interview with their payers other than ages 50 to 70 and the pairs other than the president's shirt it is 71 to 85 and the payers other than the proposed insured spouse significant other wow so if the payers other than the proposed insurer they're going to require telephone interview that's the way i read it is that which way you guys read it to call optical so it's going to be an optical interview so we do have those situations where the child will write it on on their mom and dad whatever so it looks like they wanna okay so this is um wow three question knockout so those must be pretty hefty questions um if any questions four through seven answered yes return a premium death benefit plan and then oh wow so there's a difference between graded and return a premium death benefit that's interesting so i guess there is difference check medications check impairments check height and weight on the alliance guides for quotes go to insuranceapplication.com e-app with point-of-sale underwriting decision paper app echeck immediate first premium only select this option that the draft will be immediately if draft will be immediately upon receipt of the app you must also complete the check section of the form submitted with the app collect money only select this option to actually collect the initial payment wow they still do that green dot bank and other prepaid cards are not accepted oh man green dot man is a problem drafts to coordinate with social security oh that's cool so if you've got a client um oh well check this out funeral home may not be the beneficiary power of attorney signatures are not acceptable will not accept money orders if a second application is written on the same individual then six months of the first policy being issued or two which increases the face amount to the maximal for the age medical medical records will be ordered okay in kansas in kansas and kentucky no replacements allowed wow okay okay so that seems like an interesting program see what the regarding the whole life what's the difference god approved in maine montana new hampshire new york simplified issue no medical exam issue ages 0-49 oh wow media plan return a premium i'm going to face 10 000 max 35 000 maximum return of death benefit 20 000. maximum age 49 yeah i know wow so maybe this has a um a premium advantage celebrator benefit for terminal illness confined care level term well there's a level term rider where premium that's kind of like um also this is probably i bet you this is similar to um advantage plus whole life with foresters maybe the rating here is a little bit better possibly confined care not available in these states confined care rider level term insurance children's insurance agreement rider waiver premium axial death coverage on juveniles 0-17 all children should be insured equally grandparent legal guard implies recovers they gotta have a copy of the guardianship papers juveniles will not be insured for more than their parents or legal guardians parents legal guards must have life guard to enforce when applying for coverage on their children and there's a juvenile questionnaire interesting underwriting yes no application mib rx check wide weight guidelines telephone interview card for ages 4049 completed at atkin point of sale required for ages 25 20 now if there's a third party payer cannot be completed wow cannot be deleted point of sale call optical the insured ages of zero to 29 parents may pay the premiums but additional underwriting requirements including telephone interview motor vehicle report criminal records check will be done for many of these applications particularly when they're 25 to 29. wow this is kind of interesting so this is a knockout questions 136 return premium death benefit plan one through nine or answer no immediate death plan death benefit plan okay so that looks like uh maybe it's a better rated product for the lower ages let's check out easy term accidental life america can have an easy term again not in maine montana new hampshire new york simplified issued no medical exam 10 20 and 30 year level term return of premium on 20 and 30 years issue ages oh wow just like foresters near stage oh man not another near stage product come on man all right this is another thing to think about birth dates okay 10 year so it goes at least 70 can get a 10-year 18 to 65 can get 20 return premiums so this has a return of premium writer is limited to 18 to 60 on a 20-year 30-year limited for our rop 18-50 minimum phase 25 000 or 15 dollars a month oh wow okay maximum face 300 000 so it's more than 250 like i think cfg convertible at the earlier of the end of the term policy anniversary after the age 75 in the first five years if that if that's after the policy anniversary after age 75. well they got pretty good uh they have a very liberal converted conversion um guideline so that's pretty good writers we've got etc death benefit accelerated benefit for terminal chronic and confined care for free okay so mirrors are the products there's a return of premium rider critical illness oh that's cool um total disability benefit rider accident only total disability benefit rider wow so you can do total disability or accident only as separate riders that's pretty cool whatever premium for disability wear premium for unemployment oh they got unemployment wherever premium rider children's insurance agreement writer probably similar to the one on the whole life accidental death so that's cool so that kind of goes into their writers return of premium provides oh wow check this out provides a return of 75 percent of premiums paid at the end of the term period not including the rider lower percentage available in earlier years so if you cancel your policy earlier then you'll have a lower percentage available so this is 75 return to premium as opposed to cfg's 50 return of premium because that's not bad it probably doesn't raise the price as much as the 100 return of premium like with uh mutual of omaha so so it probably gives a a much more affordable premium amount that makes this uh consideration the children's rider disability so let's check out disability we'll pay a monthly benefit up to two percent of the face amount if the insurer becomes totally disabled okay this looks like issue agents said this is 18 to 55 there's a 60 day elimination period that's pretty good like a lot of our other disability writers are 90 days a minimum benefit five hundred dollars a month about two percent so i've never dealt with a two percent on a disability rider that's not an accelerated death benefit writer so this looks like a accelerated death benefit writer that you pay for for disability total disability so maximum death benefit two percent of the face amount up to fifteen hundred dollars a month whichever is less for persons earning less than twenty five thousand annually the maximum dr benefit is two percent of the face amount up to nine hundred a month whichever is less so there is a an income test for the disability maximum benefit period is two years must have worked minimum 30 hours a week for the past six months self-employed are not eligible oh bummer disability must begin before age 65. disability income rider and accident only disability income right copy issued on the same policy wow so it's one or the other so what's accidentally accidental look like we'll pay a monthly benefit of 2 of the specified amount of the insured if the insurer becomes totally disabled due to accident 18 to 55 cca elimination minimum benefit 500 a month maximum benefit two percent of the face amount up to 2000 a month oh wow okay for accidental whichever is less for the person's earning less than 25 000 it's reduced to 900 a month whichever is less two percent of the face or 900 maximum benefit two years must have worked 30 hours a week disability must begin before 65. um to add this right to the on the app check the other box and write in accident only drr dir and the amount disability income runner accident only cannot be issued the same wow that's interesting waiver premium for unemployment and disability unemployment weighs the premiums due for up to six months if become unemployed ages 20 through 60 that you can have this issue must have received state or federal unemployment benefits for a period up to four consecutive weeks prior so that's the proof of of unemployment two-year waiting period so you can't apply for this until after two years that the policy has been a force writer coverage expires at age 65 unless they're receiving benefits from the rider so the amount they're paying for this um will go away at age 65. to add this writer on the app check the other box and write in wolpu waiver wolpu wlpu wow accidental death yes no application in my brx check i'd wait guidelines telephone interview can be completed at point of sale wow man telephone interviews um for ages 18 through 55 over 200 000 for ages 56 and 65 under 100 000 only of applying for critical illness writer 100 percent wow interesting for ages 56 and 65 over 100 000 for all ages 66 to 70 required for ages 0 through 29 if there's a third party payer anyone except spouse business or business partner cannot be completed at point of sale oh that's interesting for ages 18 through 29 will allow parent to pay but additional underwriting requirements including phone interview motor vehicle report and criminal records check will be ordered wow so you can you got to get a flavor of occidental american amicable's kind of view on the world of underwriting wow all yes answers health questions just hot blood pressure cholesterol diabetes get full details okay get full details for high blood pressure cholesterol diabetes age at onset name of all medica ions applicants last reading and how often is the problem checked name a doctor treating the condition date last seen the more complete information you can provide on the application significantly reduces the need to order medical records for an interview so this is one of those cases gang where you got to fill out the history as complete as possible if they've got blood pressure cholesterol diabetes you got to write write it up check medications impairments heightened weight on the easy term agent guide go to those websites for quotes premium drafts once the application is approved first premium will be drafted on the date specified if no date is specified the draft occur on the day the policy is approved copy a void check checker deposit must accompany the application if one is not available then you must complete a bank account verification section i'll form 9903 and submit the app immediate drafts use the e-check option you must also completely check section of the form 9903 drafts to coordinate with social security that's interesting additional information occidental american will not accept an application for issue ages 30 and older if there's a third party payer someone other than the spouse business or business partner okay i think we ever run into too many situations other than the spouse um we do you know power of attorney signatures are not acceptable do not accept money orders will not accept green dot bank prepaid cards the second application is written on the same individual within six months of first policy being issued or which increases the face amount medical records will be ordered kansas and kentucky no replacements all right so that's easy term i don't know how easy it is but that is easy term baby let's see how term made simple how simple this term insurance made term made simple oh it's impre it's in maine but not montana new hampshire new york so let's see how this is sometimes you term no medical exam for 10 15 20 30 years issue ages oh wow so this has a higher issue age so tenure can go up to 75 1570 this looks like this mirror is a little bit like foresters forces actually goes 10-year up to 80. okay check this out minimum face is 50 000 maximum is 500 000. so this is a simplified issue product i'll go up to 500 000. so i bet you there's going to be additional underwriting restrictions okay it's a again healthy to convert conversion policy man riders abr for terminal chronic and confined care critical illness total disability benefit we got the access so this is all the stuff we have on the previous one that we looked at the easy term okay children's insurance disability it's all the same stuff waiver premium unemployment waiver premium accidental death yes no telephone interview with the underwriting decision okay so tell if they like telephone interviews appears can be completed at point of sale spanish speaking and english all ages uh 65 and above required for ages 18 through 29 if there's a third party payer anyone except spouse business or business or business partner cannot be completed at point of sale anyone except okay for ages 18 through 29 will allow parent to pay but additional underwriting requirements so that is very that's similar oh yes answer to health questions is high blood pressure cholesterol diabetes full details are required so it looks it's very similar to the other one and i bet you the difference here is rates so the rates plus the amount of insurance they can get and the liberalness of the age ranges for the amount of term so term made simple so it kind of looks like the other one although there is no return a premium writer on here not that i saw right i think the other one had 75 return premium this one does not okay so this is still simplified issue but there's some more restrictions all right home protector term okay man three different term policies so what is home protector about um i hope you guys can bear with me i'm just really curious so this is really satisfying my curiosity and maybe this will also satisfy yours as well mayor not in maryland wow maine montana new hampshire new york vermont and washington home protector so let's see what this is simplified issue no medical exam a current mortgage is recalled required regardless of data originally taken or refinanced so they got to have a mortgage so this is not apartment certain it's not apartment protector it's home protector it's not trade well well trailers can be owned homes but it's not apartment protection not rental a protector current mortgage is required if the following is on the mortgage or deed or trust both may apply if the following is on the mortgage or deed of the trust both may apply wow so it's really covering the people on the mortgage common-law couples domestic partners significant others and engaged couples may be eligible to both have lived in the home to which the mortgage applies for a minimum of three months sharing the economy of that home and a loss of either would create a financial hardship on the other okay but they got to be on the mortgage if the following is on the mortgage or deed of trust both may apply wow that's interesting so there are restrictions 15 20 25 30 year level term return of premium available on 20 25 and 30 year plans issue ages age last birthday here we go again nearest versus last birthday 15 year age 20 to 65. so it's a it's a little bit more restrictive 20-year 20-60 rops the same 25-year 2055 30-year 20 to 50. so their age ranges are very squished this reminds me more like cfg um term mineral face 25 000 or 25 bucks a month maximum of 300 000. so this is how you learn product just go through the powerpoint convertible at the end of the term this is again really good conversion options policy anniversary after the age of 75 riders so now we're getting familiar with the american amicable's rockers okay we've got the accelerator benefit terminal chronic and confined care rop critical illness total disability accident only disability whatever premium for disability where in front employment shows an insurance screen and rider accidental and level term rider so they've got a level term rider on here which is interesting level term writer rider we'll take a look at that we've got accelerated rop it's a 75 rop on 20 25 and 30 year and then again if you cancel it earlier you'll get a lower percentage of return premium i don't think we looked at critical interest so this how their critical illness writer works provides 25 50 or 100 percent acceleration the death benefit paid directly to the insured when diagnosed with a covered critical illness which includes heart attack coronary artery bypass pace 10 percent of the death benefit stroke cancer kidney failure major organ transplant surgery paralysis blindness terminal illness hiv contracted performing duties as professional health care worker wow okay ages 20 to 65 issue ages maximum 100 000 rider premium guaranteed for the first five years so after five years the rider could increase in price um expires at age 70. okay so now we got a bead on that we know the children's the disability we know that accident disability waiver premium or supreme for unemployment accidental death level term insurance okay so available on spouse only interesting so spouse only doesn't indicate domestic partner or whatever so spouse provides level term insurance on spouse for 20 years or to the age of 70 whichever comes first issue ages 15 to 65 minimum amount 25 000 maximum the lesser of face amount or 200 000 so lesser of the face amount on the original insured um or two hundred thousand so if the insured had three hundred thousand it would be two hundred thousand the most you can get if the insured had a hundred thousand then you can get only a hundred thousand as the um in term insurance writer telephone interview required for spouse of ages 56 to 65 and writer amount is 150 000 300 000 wow man they they love their interviews and i'm not against interviews it's just an extra step in the process and what's nice about interviews is that you'll know if the policies is going to be issued or not so that's that's kind of why i like interviews but it does add another step i'm not sure how this is handled via telephone application underwriting yes no app in my brx check hidden wait guidelines telephone interview the underwriting decision can become can be completed at point of sale while so you'll actually get an underwriting decision right there in the telephone interview again this makes it nice because if they get declined you can pivot directly to another policy like a whole life policy motor vehicle report will be ordered when applying for the accidental death rider telephone interview optical ages 56 65 and face amounts of 150 to 300 000 for spouses ages 56 to 65 and applying for level term writer for 150 to 300. so these telephone restrictions i mean rules you must really be aware of that underwriting all yes answers such as high blood pressure okay this is such as so any yes answers okay i interpreted that incorrectly i interpret that i'm i'm i said that for high blood pressure cholesterol diabetes get full details but it's actually any yes answers to any of the health questions you need to get all this detail for them okay all right interesting so that is that um mortgage term so that's a different flavor there so oba man i'm just so curious what does oba stand for oba term not in maine new hampshire oregon wow oregon or new york or vermont ova term i still don't know what that means must have some affiliation with one of the eligible groups huh simplified issue term no medical exam 10 year term to age 70 renewable every 10 years wow it's a 10 year renewable ages 18 to 65 face amounts 50 100 150 200 can be converted at any time during the first 10 year period interesting sounds like group insurance is what this sounds like okay so must have some affiliation with one of the eligible groups interesting all government employees federal state county or city first responders police firemen emergency medical professionals employees of state funded educational institutions railroad employees members of recognized professional association i don't know what that means maybe the ieee is probably professional organization ieee um i don't know if it includes unions all medical field employees oba is simplified group level group level insurance okay that makes that's what it that's the flavor i'm getting here all medical field employees airline travel industry employees citizens of the u.s of a u.s territory wow members of any recognized labor union spouses of eligible individuals huh interesting dependent insurance coverage writer children's insurance coverage rider children's insurance provides term insurance to age 23 at which time the coverage is convertible ages 15 days 17 years oba officers benefit association oh okay thank you because that was driving me crazy officers benefit association okay wow thank you man five units maximum that's five thousand or five that's fifteen thousand max premium 71 cents per month per unit okay dependent insurance coverage provides spouse with decreasing term and accidental death while decreasing term children are covered with term to age 23 children's ages 15 days 23 your spouse is ages 18 to 65 your per sh purchase in numbers of units convertible for spouses introduced in the event of a divorce or insurance death children may also convert when they are no longer dependent or each age 23 children may be subject to underwriting convert to an individual oba term when they reach age 23. okay so this is interesting you know i've you know obviously we've never done group group group benefits but this has all the group benefit flavor to it dependent insurance coverage rider so this is the pricing oba term can be still in conjunction with financial lifeline whole life wow this is a whole new world for us gang combination sales you can do combination sales yes no application they can do mib rx check highway guidelines telephone interview telephone interview for ages 18 to 55 and 200 000. fifty six to sixty five and a hundred and fifty thousand or two hundred thousand telephone number for ages eighteen to twenty nine will allow parent to pay but additional underwriting requirements just similar to their other products that's cool so i'm curious as to the pricing of this um i would as suspect the pricing is advantageous because it's a 10-year renewable so you're probably going to beat a lot of regular insurance products out there but remember it's tenure renewable so if you're looking to get in the door with somebody i'm just guessing okay that you can use the group benefit as a as an advantage and i'm thinking this is a price beater if you have someone who's part of this is these associations that's having that are balking at the regular life insurance rates i'm guessing that you could probably get a better rate here realizing that's a 10-year renewable okay so this could be a price advantage product if the people fit within those group guidelines check medications and impairments and height and weight against the agent guide of course quotes premium drafts once it's approved that's all the typical social security drafting rules um okay so additionally i always like to see this now what extra here okay will not accept an application for issue ages 30 year old and older if there is a third party payer someone other than spouse business or business partner so they really kind of keep that spouse business or business partner with that insurable interest cone of protection so there is none when they're a third party if there are those people power of attorney not accepted will not accept money orders not accept green dot or prepaid cards and then okay that's all this typical additional information okay todd help me with this ub enif free membership in the ub enif a national discount program oh wow so this is an affiliation you sign up for this you're you're affiliated with uh so part of this association local deals over 36 000 local national nationwide deals cash back shopping up to 20 percent cash back at thousands of online retailers now i go to my commercial voice travel discounts hotels flights cruises car rentals and vacations event tickets save 10 theme parks and attractions save up to 50 percent grocery coupons movie tickets save up to 35 percent a d d insurance 5 000 of a d and d at no cost donations virtually every time you shop a donation will be made to the organization of your choice wouldn't you like to be a member of ubeniff got me there with them you got me with that one you know this this actually like seriously there might be some really good benefits here for these um you know people that are you know first responders people are part of these groups government employees man give them a break right so it's kind of cool so i like it it's like foresters and asses like what todd said you know it kind of has that forced or some benefits vibe to it wow this is really out of our out of our uh experience gang but look we have access to it who knows uh i suspect if you start running range examples i suspect this is gonna be cheap it's gonna be that cheap insurance but remember if it's cheap then your your commission's going to be cheap and i bet you the commission level on this product is probably really really low okay but hey if it helps you make a sale you know beyond just um accidental death then man you can help somebody so again every tool has its purpose right you know you can't just apply hammer to everything see what time okay express you all let me just this is my last one because i think i think this is like a smart you well but let's take a look if i can get this open it doesn't want to open up here we go okay it's not in maine montana new hampshire new york simplified issue no medical exam issue ages 15 to 75 non-tobacco 18 to 75 tobacco age nearest product minimum 25 000 or 20 bucks a month maximum wow maximum 500 uh guaranteed minimum interest rate two percent also there's a guaranteed minimum it's not bad um we got the accelerated benefit for terminal illness and confined care wow there's no chronic illness total disability and accident only disability waiver premium children's insurance agreement rider axel death benef t family insurance agreement well it's a new rider so let's kind of fast forward to that one i didn't see it disability income children's insurance well here it is family insurance agreement provides coverage on all children until their age 25 at which time their coverage is convertible oh all children convertible to permanent planet rate five times the base also provides decreasing term coverage on the spouse wow decreasing term coverage on the spouse too issue ages 15 to 17 for the children spouses 15 to 60 1 units 3 000 max of 5 units for 15 000 rider expires on the insurance age 65. covered on the spouse experience at the spouse's age 65. wow sue you can cover your family up to age 65. well that's interesting so that's kind of cool wow yes no application in my brx check nvr hype my guidelines cell phone interview looks like it's ems i tell wow that's weird these different telephone interviewers so they like emsi for this product all face amounts for ages 65 to 75 can be complete at point of sale required for ages 0 to 29 if there is a third party payer anyone except spouse business or business partner cannot be completed at point of sale for ages 0-29 a parent is paying additional under-running requirements including nvr criminal records check all yes answers health questions such as okay getting all the details more complete information you get the better so i suspect this is very very similar to smart ul additional information private attorney green dot all right okay that's you know you guys can kind of check that out at your heart's content i'll be curious we're running running rates on this so let's see where the quoting tool takes us agent number i have one but i don't know what it is yet okay well that's cool looks like a it looks like it appears to be a website a website insurance tool which um i don't think it's on here yet alliancequoting.com okay it's not on there yet all right well that was interesting tour of occidental american amicable all right well i appreciate you taking taking this journey with me because i'm just i had to satisfy my curiosity thanks again for plugging in man let's get on leaderboard let's like redeem ourselves from last week's um production and let's man let's get back up there gang all right get on the horse man get some leaves get with ginny get with me on leads let's do leap planning okay let's invest in leads and let's get you on the leaderboard man if you dial the phone so you're investing in lease plus dialing the phone equals results okay investing in leads without dialing the phone will equal disaster okay down the phone on old leads slam it okay and your leads are better than how having any additional these dial so get with us man all right rock on god bless everybody let's do the same take care