Closing sales for mortgage

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all right just a lot you guys both in my phone with that 702 number I gave you so that is my personal cell um so if you guys ever like need to get a hold of me whether it's like tomorrow or years down the road if God forbid we gotta file a claim um I'm your guy [Music] [Applause] hello hey David yes sir hey David this is Alex and I was just giving you a call back about the mortgage protection cards you've been getting in the mail recently four years yes and I've been basically playing uh phone tag with y'all oh is that right first a couple times and gotten uh uh like automated calls or automated deals got it got away I'm a real life human here uh calling you about that so you're over at the 610 Ingram Street right uh say that again 610 Ingram Street yes 610. okay perfect awesome yeah let me just verify a couple quick things here and we'll kind of uh answer some of your questions uh I got your age down here is 25 is that accurate that is until November yeah until November okay cool are you a first time homeowner yes sir awesome congratulations on the place man thank you and I see here you got a co-borrower as well is that like a spouse girlfriend wife yes my wife okay awesome and mortgage amount bless you mortgage amount I see here I got about a 163 164 000 through a Mortgage Solutions 163 is the principal okay principal God okay I'm not mistaken cool that's what I'm seeing here through uh Mortgage Solutions of Colorado LLC is that correct yes okay cool and I'm assuming you and your wife when it comes to finances you guys make financial decisions together just like my household is that right yes that's correct okay gotcha well they got us doing everything virtually now David so it takes about 15 minutes to kind of knock it out and go through things together is your wife home right now or is she working yeah she's in the same room room as me cool well hey if you guys want to go grab a pen and paper and just kind of let her know that this is the mortgage protection guy on the phone and put me on speaker we could knock this out real quick so go ahead and grab that just let me know when you guys are ready all right you are and speaker Michaela can you hear this is the mortgage protection guy and we're ready to write it down awesome hey Michaela I'm Alex how are you good good congratulations on the first time uh being first-time homeowners it's a big deal so congrats you guys and so obviously this is your first time looking into mortgage protection because you guys are first-time homeowners right that's correct cool what were you kind of hoping that mortgage protection would do for y'all um I know there's a lot of you know people have their own ideas of what it does what are you guys kind of hoping that this will do for you um my big thing is if something happens to me I want it to basically leave her owning a home and like like if some freak action were to happen I were to die I want her to have a home I love that I love that okay are you the soul bread winner in the household David or does Michaela work as well Breadwinner okay cool cool well we could definitely kind of look into that um do you guys right now have any kind of like life insurance in place through work outside of work anything like that I have like a I have a policy through work I don't remember if I had to do a uh like a doctor's visit to get the policy I chose either it's a the basic one which is just like forty thousand or it's like 180 000 but I don't know if I had to do a like a doctor's visit to get that one but I do have a life insurance do work through work okay gotcha cool do you know the biggest difference between like I know this isn't specifically a life insurance talk today but like do you know the biggest difference between you know life insurance through work versus like private cover does side of work or no uh not exactly other than no no cool no problem hey uh hey I'm 27 you're 25 so this is all kind of new to us so I totally get that so um you know life insurance through work is super duper convenient usually really cheap or free altogether but it's kind of like a company car where as long as you're out the job you get to keep it and God forbid if something happens to you and you end up you know not working at that place anymore the company takes the work coverage back right so that's why when it comes to things like life insurance mortgage protection like you guys are definitely under you know the right mentality wanting to take control that yourself privately instead of depending on someone else so you guys are definitely in the right frame of mind long story short so um let me kind of explain how the programs work and how I can help you out there's uh I work with over 26 different companies so I'm a broker I get to kind of shop around and your guys's behalf with you guys being so young it's going to be inexpensive either way which is nice this is the right age to get it set up because I talk to people all their time in their 40s 50s and 60s and they wish they got it set up in their 20s and 30s right so but essentially the plans depending which plan we look at for you guys they would uh take care of the home not just if you pass away but also if you were to get like a serious illness such as like cancer heart attack stroke you know RH more than likely if it was serious it probably would be cancer right or permanent disability so let's say you had a freak accident at work and you actually didn't pass away but you end up having to go on permanent disability you can never work again the rest of your life that's a pretty bad situation financially right no no income in the household um so in this case the mortgage protection would kick in as well to take care of that the mortgage that way you guys don't have to worry about losing the house so it's not strictly just a life or death it's serious illness permanent disability or death is kind of what mortgage protection covers does that make sense cool so in order for me to figure out out of all the different plans which one makes the most Financial sense for you and Michaela I do have to ask you guys a couple quick health questions there is no physical exams or anything but any kind of insurance plan the job is going to be a little bit of some health stuff taken into account and then I'll also ask you guys a couple Financial questions after that we'll go over some quotes together and once the two of you sit down here and figure out which plans make the most sense for your guys's household then uh last step is to submit an application over the phone it takes about 10 to 15 minutes and we'll get an instant approval or an instant decline so you guys aren't going to be sit there waiting for weeks and weeks and waiting to find out and then any plan that is applied for today once you get approved you guys do have 30 days to make any adjustments to the policy so let's see you guys get approved for a plan today talk about it sleep on it you want to move your coverage up you can do that move your coverage up you can do that as long as it's within your 30 days but we will at least get something submitted today to make sure you guys can actually get approved so does that sound fair to y'all okay cool okay cool all right well before I start poking and prodding you with a bunch of questions I want you to get my name and my license number so you know you're dealing with a licensed professional so my first name is Alexander Alexander hi uh Xander last name I'll say it and spell it for you last name is straight and that is s t r a t e Street r-a-t-e stay with an Arya I say that up front though people don't get it so now you get it though and then um my license number is one eight eight one two four six seven if you just read that back real quick one eight eight one two four six seven that is correct yep I guess like to give that to you up front I don't legally have to but you know whenever you're dealing with sensitive information over the phone you shouldn't just be giving that out willy-nilly so like to make sure you guys have that up front so let's go ahead and dive on in look at your guys's Health uh over your lifetime any major surgeries ER visits hospitalizations anything like that in your lifetime for either of y'all I have not had any major surgeries ER visits or anything like that Michaela did you hear her uh not too well now she says she said two surgeries okay what are those shaking out and tubes putting your ears okay that was childhood I believe gotcha she was three years old all right early 2001 early 2000s another one's more recent she had a C-section gotcha oh so you guys have your first child as well yes sir congratulations that's awesome okay in C-section how long ago was that C-section oh wow so newborn in the household it's a new house new baby you guys are like kicking off life yeah yes sir love it love it okay cool so c-section of March were there any complications with the C-section or was it a was it a smooth pregnancy smooth birth as far as C-section to go it was so it was all clear skies good good to hear okay they got to take in any sort of medications either of y'all for uh you know pain blood pressure or anything at all or no medications for any of you guys I'm not taking any uh daily medication or anything like that what about for Michaela during the pregnancy did she get prescribed anything like prenatals and vitamins and stuff okay she was done pain medication for a few what was it a few days or a few weeks after the C-section okay yeah she stopped taking uh she was on hydrocodone for about a week uh after the C-section okay hydrocodone for about a week okay cool totally understand you just birthed to humans herself what was that last one you said I'm sorry uh motion Motrin okay for the same amount of time love or yeah same amount of time okay for about a week okay gotcha I totally understand you literally just birthed to humans so make sense um alrighty and then anything else medically that might pull up in your guys's records or is that pretty much sum it all up she has asthma asthma so do I do you have an inhaler as needed Michaela really hard to hear that David I'm sorry you said she hasn't had to use it in a really long time but she does have one cool gotcha same thing for me I the only I've used it since I was a teenager so it's been almost 10 years for me so um and then by the way David what is your exact date of birth 11 20 1996 11 20 96 that's cool my fiance is 11 11 96. so there you go and then Michaela what's your date of birth nine 1997 9 19 97. wonderful okay uh any tobacco use for either of y'all Or No tobacco no good good and then any problems or run-ins with the law DUIs felonies anything like that no cool is there anything you need to tell me didn't escape from prison you're on the Run oh all right and then shifting gears here looking at finances a bit uh David you said you're the sold Breadwinner in the household Michaela's got the full-time mom job is that right yes that's correct cool and David what do you do for work a security guard for a uh I don't know no you wouldn't know what the company is called um I'm a security guard for [Music] do you need to know what kind of company the security guard security guard rock and roll it's good and I'm also a licensed Minister and so that's two income sources there cool and so kind of this ballpark for looking at take-home monthly income like what you see after taxes and everything about how much you got coming in every Houston math real quick yeah no problem I think so okay when we just let me just look at it in my head yeah um roughly 3 500 I've recently had a had a title change a bit of a kind of a promotion at uh my security guard job so that's actually going to bump up a little in the near future like within two weeks but I haven't seen that money yet okay uh so I can't give you a ballpark on that so yeah about 35 hundred dollars a month okay it's a good uh ballpark take home gotcha cool cool and then no source of income for Michaela right now right that is correct cool cool and then um let's see here all right and then do you guys uh bank with a bank or Credit Union Bank okay uh we currently use uh do you need to know what bank we use um when we set up an application you know they are going to ask for a payment method obviously we won't we won't get that far if you guys don't like the prices but if we find a plan that you guys like and I'm looking at some quotes now I think you guys are going to like the prices um that is something that they'll need to set up the insurance if we end up getting improve so um and then look in here let's see and then for the mortgage is it a 30-year loan it is okay what's the monthly mortgage payment 11 something like 11 30 a little okay somewhere in that zone I would say it's like 11 35 11 36. cool cool and then it could be it it's the first two the first two digits are ones I don't remember the last two digits cool it's close enough close enough okay and then do you guys have a goal or have you guys talked about wanting to like try to pay off the home early or are you just kind of figuring things out so we have a goal for where we want to be in 10 years but we are not sure what role the house we're living at now is going to play I understand so we um our goal in 10 years is to be moved out of the city and into a country home uh we don't know if the if the place we own now is going to be uh sold or if it's going to stay ours and become a rental property uh we're not sure on that front yet understood um cool good I definitely appreciate the transparency you have there um David if you had to kind of ballpark your annual income I know you told me your monthly take home but annual income between everything probably around 50 55 a year yeah that sounds right okay that sounds right yeah because as my my security job is somewhere in the 35 Zone uh not not take home but 35 Zone and then I don't know it'll be higher than that uh sorry I'm thinking out loud we got somewhere in the 30 to 35 Zone and the other job is about 20 before taxes okay cool okay all right so then let's get into some plans here um obviously with you David being the soul bread winner in terms of priority and you know who's gonna have a little bit more Insurance on them I'd probably recommend you not not that if something happened to Michaela you know wouldn't be devastating for you but financially would probably be a lot more financially impactful if something happened to you David versus something happened to Michaela no offense Michaela I'm sure you understand oh wow cool so what I'd recommend then and obviously we'll have to like submit an application to see if we can get you approved for this but I'm going to recommend what's called a cash back plan if you want to write that down cash back plan with living benefits cashback plan with living benefits okay so the way this works is it's going to be from anywhere from 15 to 30 years you get to choose either 15 20 25 or 30 years um they all have different prices so we'll go over the prices once you kind of understand the plan works but uh essentially during those 15 to 30 years you are covered for not just death it's not just life and death but it's also because of living benefits like I mentioned earlier that uh serious illness so cancer heart attack and stroke would also be covered for the full mortgage amount and permanent disability would be covered for the full mortgage amount and permanent disability can't be like how I bumped my knee it has to be like you know you can't use the bathroom without assistance you can't eat without assistance like it'd have to be all life-altering right um which obviously we don't wish that anyone but stuff happens accidents happen right so um cancer heart attack stroke permanent disability or death the entire mortgage is paid off and if nothing happens during the entire 15 to 30 years and you guys live a totally normal life at the end of the policy you guys get 100 of your money back so that would be like having a car insurance plan or they said hey if in 15 years you haven't had a car accident we'll give you all your money back for your car insurance it's kind of just like that you live a normal life you're low risk person to the insurance company where you don't have to file a claim ever which is good because that means you live a normal life they give you all your money back so it kind of acts like a forced savings account does that make sense so this is what we usually recommend yeah so this is what we usually recommend for you know people that can qualify for it it is the most strict underwriting but David based off what you told me you said you have absolutely nothing going on we'd have to obviously check that but assuming underwriting comes back okay this would be the the plan I'd recommend for you guys and depending on how aggressive you want to be with the house you know like sometimes what people do is they do like a 20-year cash back get their money back in 20 years and then they pay off their mortgage exactly and that saves you all that money and interest that you would have been paying instead of having to make extra payments you just put it into this instead so you're covered if something happens then if nothing happens you still get to pay off your home early which would have done the same thing as making extra payments anyway but instead you're awesome what if we were to sell the house in 10 years yeah So the plan is portable so it goes with you because you were actually the one getting insured not the property so even if you guys were to move it kind of acts like life insurance that way where it's on you David not specifically just the house or the mortgage so yeah yeah so it's a totally portable plan it goes with you and at the end of it you get your money back which you know young person a young person so again I'm 27. this is the plan that I have of myself because you know why pay for something I'm not going to use right um it's there it's there if you need it but if you don't use it which is most likely you're going to get a nice chunk of change in your uh you know depending on how long you go 40s or 50s so um does that kind of make sense yeah it does cool so I'm going to kind of go over some numbers here with you and um just so you know like the cash back plan you know you would think the longer you have it the more expensive it is it's actually the opposite for cash back plans um because they're giving you your money back the shorter you have the plan meaning the sooner you get your money back the more they charge you for that so like a 30-year plan is actually cheaper than a 15-year plan so if you're one of those guys who's like well shoot I'll just take the coverage and get it back in 30 years and that's the cheapest price awesome we can do that or if you're like no I would definitely want it back to pay off the home we could look at like a 20-year plan or something so um but just to give you an example let's split the difference here I'll show you 25 years this will take you to age 50. all right the month like to look at it as a savings account so the monthly savings what you're going to be putting into it every month is 91 dollars a month and if you do the math on that if you pull out your calculator on your phone let me know when you have it pulled up okay all right so 91 times 12 months in a year is 1092. yeah times 25 years is 27 300. so if you get a you know cancer heart attack stroke permanent disability or death in the next 25 years the entire home is paid off the 135 comes in and if absolutely nothing happens and you live a normal life you're going to get a check in the mail for 27 300 at age 50. so yep so that's an example of a 25-year plan if you want your money back sooner cost a little bit more if you're okay waiting another five years it costs a little bit less um for Michaela we could look at that too but I just the fact that she's not working I probably wouldn't recommend a cash back plan just because they are a little bit more costly compared to just like regular insurance and with just the one income in the household I don't want to strap you guys down too much with um you know too much insurance and not enough being able to go towards the house the baby things like that yeah we were probably just ensure me certainly at least just ensure me with the uh the higher with the higher uh plan more expensive plan I mean yeah um [Music] so is it the same uh payout at the 30-year and the 15-year Mark just broken up differently just about almost dollar for dollars like let's do the math together ready so the 15 year if you want to get the exact price for 15 years it's 184 and 69 cents 184.69 times that times that by 12. and then times that by 15 and it's 33 000. so you actually do get a little bit more money back if you did 15 years versus 25 years all right so are there any instances where I don't get the house paid off and I also don't get a check for twenty or thirty thousand dollars um if you cancel your policy so let's say you're three years in and you cancel it for whatever reason then you don't get your money back and if something happens the home hasn't paid off so the only way you wouldn't get it like the only exclusion I guess is if you cancel your policy or suicide within the first two years which hopefully that's not even in the realm of possibility but those are the only two exclusions as long as you keep this policy active and you keep paying on it it's one or the other either you file a claim and you get the 135 or nothing happens and you get a check in the mail automatically sent to you foreign I mean this seems like a like a really good deal I don't it is because you guys are so young the cracks in the in the the crackers you guys are so young and that's why it's such a good deal you know I show the same plan to a 45 year old and it costs them 550 a month and they they kind of hesitate for a second right and they're like damn that's a lot and I'm like well you're not 25 anymore so as a you know 27 year old to a 25 year old this is the time to get this and it's portable as well um let's say you guys maybe five ten years from now like you're saying maybe you guys want a bigger home you could also get more coverage if you wanted to uh the 135 is just what I showed you because that's how much your current mortgage is but maybe you want to do you know your mortgage plus one year of income right so maybe you want to look at 135 000 plus an extra fifteen fifty thousand when you look at 185 right hold on our mortgage is a little bit higher than 135 it's 163. oh you're right I don't know where I got 135 from I misquoted you I was showing you the numbers for 135 so all right so let's recruits the numbers what's uh 25 a year for 135. uh well that was for 135 let me show you now the actual 163. yeah my bad there I was I don't know where that 135 came from but um so I'm pulling up 164 because I see our exact mortgage is 163 953. so I'm just rounding up to 164. so 25 year 164 is 108.91 108.91 times that by 12. times that by 25 you're getting back just shy of thirty three thousand dollars in 25 years 108 a month get it get that all back it's a little under 33. yeah the 25 year mark what's the 20-year March 20-year Mark the monthly is 151.82. times that by 12. comes out by 20. is uh about 36 000 and change you're getting back so it seems like the sooner you get it back you are getting a little bit more back um the sooner you get it back so 20 years is 151 82. 25 years is 108.91 at this point you know when you're 45 versus 50 you probably won't notice the difference in the check what's most important as you know a new dad new homeowner is which one you know you can keep up with so if you know you can keep up with 150 a month no problem and put that into a quote-unquote savings account then do it in 20 years because you're going to thank yourself and you're 45 right um if you're uncertain if you can keep up with the 150 and then at least do the 108 and that way you'll know well again the only way you're losing this if you cancel it that's how the insurance company keeps the money other than that they're either giving you your money back or they're you're filing a claim and the way they make money on these plans is from people who get in over their head and cancel so I don't want you guys to do that because that helps no one so yeah so 150 a month into a savings account does that make Financial sense or do we need to adjust that a little bit yeah we're we're kind of kicking it around uh we're leaning towards the towards the 25 year for 108. okay um so nice thing is is that's why you guys do have those 30 days to make adjustments if you guys are leaning that way if that's what your gut telling you I say let's try to get you approved for that and if you do get approved then you got 30 days to crunch numbers budget talk about it and if you do want to change some things then you give me a call within 30 days we make adjustments but if you didn't change a thing you'd at least be good to go for that 25 years so let me let me ask a question about it so let's say we go uh we go 20 years 25 years for Server policy whichever uh one we go with and after the 25 years we've gotten our check back in the mail and then um freak accident I die what happens after the 25 years after the 25 years you mean yes mortgage is still not paid off I got five years left on the mortgage but I've made the 25 years of the plan well in theory in my brain I mean it's up to you what you do with your money but in 25 years you're probably gonna owe less than 33 000 on the house I would just pay off the house at that point you know you could be 50 years old and have a completely paid off house that with inflation and stuff is probably going to be worth shoot three 400 000 at that point who knows but I I mean it's up to you what you do with your money um if something does happen to you you know your policy is technically done you got your money back so unless you set up some other life insurance when you're 50 then nothing would come in right but most people just pay off their house early and it just you know my opinion it just makes too much sense not to do that because so it's up to you what you got to do with your money but shoot and basically you guys are planning to have your home paid off five years early without ever having to make an extra mortgage payment so um you know some people say oh yeah make an extra payment a year kind of thing but you take that exact same math right exact same math is at 11.50 a month so this exact plan 108 times 12 what's 108 times 12. as 1200 there's basically your extra payment a year but now instead of like not having coverage during the whole time you have coverage during the whole time as well and if we pick the 25-year plan that's 25 years where something happens I mean the house is paid off that's right or the 15 or the 20-year plan where there's a bigger a bigger Gap yep and if you do the 25-year plan let's say something happens to you 15 years from now right and you're not going to still owe 164. you may only owe 50 000 but Michaela is still going to get the full 164. so then she could pay off the rest of the 50 000 and have it paid off home you get the full 164 all 25 years if anything happens it doesn't go down over time so today day one it's just a mortgage but you fast forward 10 15 years now it's mortgage plus a year of income in 10 15 years you know as you pay down your house so so what I'd recommend then if you guys are like palatable with that 25 year for the 108 what I'd recommend because all this sounds good but it if you come back and you get declined none of this matters right so I don't want to get you like too excited about something that you may not be able to qualify for so application like I said takes eight to 12 minutes um a couple quick you know there'll be a couple questions on and we'll go through them together if you do get approved I should know right away if you're approved or not at the end of the application and if you do that's great news uh first draft will come out in one to three business days and you get a policy in the mail in about seven to ten days to review and then that starts that 30 day timer if you did want to adjust it down in the 20-year plan or just keep it at the 25. but let's at least get this application submitted to see if you can even get approved for this that way you guys have something to sleep on and think about so does that sound fair let's let's put in the application for the 25-year um plan cool really cool we'll go ahead and do that uh one other thing I wanted to just throw on the table for Michaela specifically um just because I know we haven't talked about her I don't want to think I'm ignoring you Michaela but uh but you know something did happen to you tomorrow it probably would not be a heart attack it probably would be an accident um to get accidental coverage on you so it wouldn't pay out for natural causes but accidental for the full mortgage would be 15 bucks a month so that's always a fallback if we want to take care of David first let's do that he's the higher priority but Michaela if you want to get a little something on you that doesn't break the bank we can cover the full mortgage for you for accidental death for 15 bucks a month just so you know okay so let's put that in the back of your head but we're going to take care of David first okay all right yeah sounds good and then what's your ballpark your height and weight David is 511 wages 300. okay gotcha and then what's your best email address [Music] one second just get into the next page loading here all right and then okay and then in order to verify your identity and pull up your medical records what is your social foreign [Applause] [Music] [Music] next page oh still loading sometimes I work faster than the computer does that's always good yeah um hey David go pull up your email real quick you probably just got an email in the last like five seconds and it's gonna ask you for it's gonna have an authorization code in there just need you to read that back to me um okay one eight seven three seven five cool God I love working with young people try explaining that to my 79 year old client they have what's the password to my email I don't know Margaret like it's your email oh that's good yeah I'm telling you I see it all doing this it keeps me on I'll tell you that so okay okay all right so right now it's doing its little pre-check so I have zero control over the pre-check it's a pass fail system if the pre-check comes back okay then I have control over the rest of the underwriting questions but I do not have control over what this pre-check says so this is the cross your fingers moment and then uh by the way no DUIs or anything right no okay okay gotcha all right pre-check came back okay sounds good news so it doesn't mean we're approved yet but it will let us continue on with the application so that's good okay sometimes people get knocked out right there in the pre-check and they get mad at me and I'm like dude it's not my choice I'm sorry okay no control over that right the exact draft if you get approved you want to write this down will be 108.91 and the recurring Draft date is the 14th of the month if you ever need to get that changed you can just give them a call they'll they're happy to work with you because they want your business but that is just how it's automatically set up just so you know okay um all right a couple questions for me as the agent okay said no yes yes my phone number and email will also be on the application but obviously you guys um actually write down my phone number now all we have a second here um 702 702 622 six two two five six five six four zero or zero okay and David you know that fancy you know fancy email address from earlier uh mine yep [Laughter] pull that back up you're gonna see another email just like the one you saw 12 minutes ago with the new authorization code to apply your electronic signature what's my password could be between uh the the authorization code is going to be 1873.75 okay just so you know that is um oh that code does not match that might be your old email check try to refresh it or check for a new email sure come on Margaret do you know how to work your email hi [Music] so I have two emails in a chain the one was the first one you sent me oh maybe that was the was the first email I have one that's uh four nine two nine eight two oh four nine two nine eight two clarify wait for it Bingo that worked all right stand by I have to agree to the terms as well then we're going to get you sent off to underwriting here so underwriting uh we'll say one of three things it'll either say approved on the spot which is our goal it'll say sent to underwriting for further review and that could take a couple business days or it'll say declined and if it says decliners got to get a little creative but I'll have an answer here for you guys in about one or two minutes while the system thinks so this is this is the like drum roll please kind of moment so um while that is going on going back to you mcalen variation number 21. um in terms of coverage for you did you want to look at like just accidental do you want to look at like some basic term coverage so it'll still be cheaper than David's but a little bit more than the accidental like where's your hat head at with all of this you should at least have a little something but I don't know if you want natural causes or just accidental if that makes sense how much is it to include natural causes let's go run a quote by the way David you got approved so you were I know that's exciting um so I'm not gonna do cash back for Michaela and again if you want to you can but it's going to be ballpark the same price so probably don't want to sign up for two of those right now so yeah so if we're going for just natural causes 24 year old female non-tobacco for the full mortgage all right so I'm going to give you the full range here so I'll show you the 15 year and I'll show you the 30 year okay so 15 year for her is 29 bucks the 30-year rounding up is 43 bucks that's no cash back that's natural causes and that also still actually has the living benefits as well it just doesn't have the cash back so that would cover cancer hard heart attack stroke permanent disability or death but no cash back at the end and that'll take us up to about 150 right um if you did between two plans if you did the 30 year you'd be about 195 ish yeah you also don't have to do the full mortgage just another idea like that's the full mortgage you know you could just do accidental or you could do like a hundred thousand instead of 164. like if you guys kind of have a number in mind for your budget we can uh point out 195 excuse me about 150 because you did the 108 plan okay so 108 plus 42 is 150. if you want to round up 151. um what if we what if we did coverage for 100 000 instead of the 163. yeah let's check that out 30 years 100 000 for McClellan is 29 bucks a month so combined for both you guys 29 plus 108 I'm terrible at math it's at 137. if I do my math right yeah that sounds right yeah I want to assume I just woke up the whole like that's not that much that much yeah but if you die in a freak accident in 30 years a hundred thousand dollars will probably pay off the mortgage and definitely pay for your funeral and also have an income to take care of the rest and that's why you do about 30 days David so maybe you get her foot in the door with the hundred thousand and if mccailyn talks you into it in the next 30 days you move it up and if not then cool you at least got a hundred grand so I'd recommend at least just getting your foot in the door for her and you guys got 30 days to talk over that extra little bit of coverage okay yeah let's do the hundred thousand for the the 30-year cool all right just launch you guys both in my phone with that 702 number I gave you so uh that is my personal cell um so if you guys ever like need to get a hold of me whether it's like tomorrow or years down the road if God forbid we got to file a claim um I'm your guy so you can always reach out to me and if you ever reach out to me and I don't get back with you right away it's not that I'm ignoring you I'm probably on the phone with Margaret trying to help her log into her email um so you guys can always leave me a voicemail shoot me a text as soon as like that but like I'm your agent for life so any questions you have you're more than welcome to go through me and as your guys's life updates and changes and you guys are enjoying this kid maybe a new house down the road maybe another kid whatever it is if you ever need to update your coverage you're more than welcome to give me a call as well and I'm more than happy to review what you currently have and evaluate if we ever need to get more coverage as well so um and I'm also young like you guys so we hopefully we could all grow old together and live great lives so uh Michaela and you also got approved so both you guys are good to go so make sure you guys both have this written down correctly on your paper David you got the the full 164 with cash back with Americo and mccailyn got the hundred thousand without cash back with America two separate policies two separate payments both of them with the living benefits and um check your emails um I may not come right away today because like home office has to approve it but just keep an eye on your guys's email and Spam box the next two three days and you guys should get your electronic version and then just keep an eye on your mailbox for a paper copy but other than that do you guys have any other questions for me again can you think of anything all right we have 30 days to amend that adjust that as needed yeah so if michaelen talks you into that extra little bit of coverage you got 30 days to bump her up to the full mortgage but if you guys didn't do a thing you guys are totally set up good to go got that kind of peace of mind that you deserve all right sounds good cool all right David well hey congrats to the new home the new baby and pleasure working with you guys if you need anything give me a call anytime okay I appreciate you will do all right guys have a good day bye-bye [Music]