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
It really can be if you're not prepared for what you're walking into. And a lot of people, you know, the number one reason why people go broke in America is because of medical expenses. Really? It's the number one reason, right?
There was a time, there was one time everybody had to have insurance for penalties and stuff, right? The marketplace, but then they kind of got rid of that and rolled it back because... It was just insane. Some people that are like, if you're healthy and wealthy, you're paying thousands and thousands of dollars a month for an HMO. And you've got someone that makes no money and pay nothing for it.
Right. And you're like, well, I'm paying for that person to be on there and I'm healthy. Why would I do this with someone that's healthy and wealthy? I just take them and I say, listen, you got to you got to leverage your health to get a lower premium. So we put you through an underwritten program. Yeah.
When you go through an underwritten program, it's a lot cheaper because they can they know the risk. So they look at like BMI, you know? Yeah, they look at your BMI. Sometimes they do blood. Sometimes they're going to look at your... They're always going to look at your medical background and history. Some of them are fully underwritten.
Some just have knockout questions where it's just like 12 questions that if you answer no to all of them, you're good to go. They have pre-existing conditions if you lie on that application. So it's like those safeguards, but the insurance company does it because they're able to leverage the risk. Yeah, that makes sense. And if you're healthy and wealthy, that's the best way to do it.
And I say healthy and wealthy because...
yeah these programs sometimes five eight hundred dollars a month but in comparisons to the marketplace it's two three grand a month we're talking about ppos as well where you can go in and out of networks choose your own doctors you have a lot more choice right so i think there's a strategy comes in for people that are individuals of really paying attention to what their situation is and not going by what somebody else told them you need to talk to a broker
Um, I was just telling this to someone earlier. I said, you know, if someone walked up to me and was like, Hey man, how do I, um, how do I fix a root? I don't know. I call a roofer, man. Like, I don't need to know how to fix a roof. I don't need to know about the shingles in the wood. And you don't need to know about any of that. Oh, well we put this, I don't care about that. Just fix the root.
Right. How do I fix my engine? I don't care. I take it to a mechanic. They fix the engine.
They make it so easy for people to choose their own insurance, but what they don't do is educate you on why you want to choose that insurance because the insurance company makes money when you spend more money than you should and then don't use it. I mean, that's how they make their money, right? It's an 80-20 split. Yeah.
Well, that's a good one, you know, because if you're an entrepreneur or you're a small business owner and you have employees, there's a great way that you can leverage out. the manpower, right? There's two things we can do.
One, if you're under five employees, we can put you in an association with millions of other people that makes it look like you're an employee of this company with millions of people. And then I can get you really low costing insurance PPOs for your entire company. Or if you have more than five employees, there's lots of different insurance strategies that people can get on that are inexpensive.
You get return on claims at the end of the year. We enroll you in wellness programs where the government actually gives you funds as well for offering insurance to your employees. So there's all these upsides to giving benefits to employees rather than just being like, hey, here's a stipend, 500 bucks, go buy what you want. What are those people going to do?
They're going to make a mistake and they're going to look at you or the employer and be like, this is your fault. Like, you know what I mean? So it's always good to deal with an agent for sure.
You know, to really get to where I want to go, it's about helping as many people as possible. And I can only be in so many places. So it's about training the next generation to understand the lead with impact, lead with purpose, and have passion for what they're doing.
So being able to translate that emotion to other people is really where I'm going to build that legacy where when I'm retired or I get out of the business, I'm going to have hundreds of brokers that I've taught and trained that are going to move it forward and then teach the next generation and the next generation.
And that's going to influence my family, my daughters, my clients, people around me towards something that lasts throughout time. Yeah. That's really what I'm trying to change is those systems and those strategies. You know, a lot of my industry, they don't use technology. And it's wild. It's wild to me that I'm like, you got to start doing this.
And for them, they're like, oh, I automated an email. It's mine.
When I moved to America, that's like what I saw. It's wild how it's done. So I'm trying to change all of that and move people into a pace where they can impact more people at a time, do one to many, and really be able to get their mission out there a lot faster and a lot more clear. Good.
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. So I made a lot of money and then lost money. And then I made a lot of money and then lost money.
Showing 21–40 of 192 · page 2 of 10
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