Filip Lundstedt
speaker
192 appearances
2 recordings
2 series
first heard Mar 2025
last heard May 2025
Filip Lundstedt’s voice in public audio — every appearance, attributed to the second.
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Appearances
I got into insurance 22 years ago, and it was out of really desperation. I was dead broke, and I was really struggling in life, and I found my purpose in insurance. And then I found myself a little bit immature, and I didn't have the personal development and the disciplines that I have today.
I really found my calling within the insurance industry, helping people understand what seemed to be complex ideas and complex strategies and making it super simple and allowing people to really win in the game of insurance by giving them the strategies that most insurance companies don't even want you to know about.
Yeah, no, for sure. Yeah, I grew up with the entrepreneurial spirit. I've always been kind of in business for myself, so to speak, from a super young age. I was very blessed with, you know, well-off parents, but they had some hard lessons for me to learn, which is they're not going to give me any money. So I had to go out and earn it myself. Right.
So I remember buying my first 10 speed bike or 12 speed bike, whatever it was back then. And just kind of going through life, knowing that I had the ability to adapt and influence people. Right.
And then when I got out of the Marine Corps, I got into the insurance industry and I really found my calling within the insurance industry, helping people understand what seemed to be complex ideas and complex strategies and making it super simple and allowing people to really win in the game of insurance by giving them the strategies that most insurance companies don't even want you to know about.
Mm hmm. And why are you so passionate about insurance? I don't know what it is, Rudy, but it's like a God-given talent that came to me. There was a lot of things I wasn't really great at, but for some odd reason, insurance just, it fit. I just understood it. It was just natural for me to kind of go through it.
And when I got natural at it, I was just like, I want to know more and I want to know more. And it was a hunger that was insatiable that I just wanted more and more and more. And then as I was helping people, you know, the fulfillment and joy from people saying, hey, man, you really made a big difference for me. And, you know, without you, I would have been in trouble.
I mean, people say you saved my life, you know, because we're talking about surgeries.
Yeah, you know, I think it's not necessarily, a lot of people think that the system is broken. It's not. It's people that are selling products that are broken, right? Because so many people are getting into the business. It's easy to get a license. It's the sales. It's the sales. I mean, they're just hammering the sales and not handling it properly. And there's no white glove service.
There's no luxury to it. So it's kind of like, you know, here's a product. See you later. Very McDonald's, right? You drive up to somebody, ask for a cheeseburger, they give you a cheeseburger. Yeah, yeah. I'm not McDonald's. I'm going to be like, have you tried the Filet-O-Fish? Have you tried the chicken nuggets? Why don't you want a grilled chicken sandwich?
Like, have you tried these other things? So I would never work out at McDonald's, right? But if I was working at a fancier restaurant, a Ruth's Chris or something like that, or a Komodo, I'm going to be like, well, we have these specials. Let me ask you a couple of questions. Do you like this? Do you like that? And really find out something.
So maybe you find something new and you got this whole new value that exists, right? So I think by being a broker representing all the insurance companies,
I'm able to take that approach where I'm able to look at all the different policies and sit down with an entrepreneur, an individual business owner and say, listen, you've got a lot of options here, but let's narrow it down to the strategies that are going to give you the most value immediately.
So on the solo side, I believe that the best thing to do is to lower your first dollar expenses. First dollar expenses are premiums, deductibles, things that you have to pay before the insurance even does anything, right? And most people, and we've discussed this before, is people will pay a ton of money to have low deductible.
But the odds of you going to the hospital and utilizing that deductible are very low.
Exactly. Yeah. So I come in and I disrupt that thought process by saying, well, I can give you more for less. Because what I'll do is I'll give you a higher deductible for a lower premium, meaning your out-of-pocket dollars is lower. And then people say, ah, but if something happens to me, I get this high deductible.
I say, no, because I'm going to give you another insurance policy that's going to cover the deductible if anything ever happens to you. And the two policies added together is lower than what you would be paying premium-wise for high. Why do most people not know about that? Most brokers are lazy. Most agents are just going to sell you one thing, move on, sell you one thing, move on.
They're not going to take the time to go through this because many people say confused minds don't buy. And I agree with that. So they don't want to take the time to slow down the process to really explain how the strategy utilizes and works. So when I do that with people and I show them how it works and I give them examples, I do this myself for my own personal, right?
And when I do that and I lay it out, they're like, really, I could make money on a tragedy? I said, yeah, absolutely. And it's helpful to know that because it takes away the anxiety. So it actually gives you more peace of mind knowing that if anything happens to me, I'm not paying a lot out of my pocket right now, so it's more affordable.
Plus, if anything ever happened to me anyways, someone else is going to pay the bill. It's a great peace of mind, you know?
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