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
Living The Red Life · Filip Lundstedt on Turning Insurance Into a Profit Machine · 6 Mar 2025
podcast
And most of these business owners are like, how is this possible? That's one of my favorite things is going to a business and giving them a check for 27 grand. They're like, what is this for? And I said, well, I put you on a level funded product, which means at the end of the year, you get access to your claims dollars that are left over. And they're like, wait, what? And I'm like, yeah.
You had $27,000 left in claims. That's your money. I give you that check back. And they're like, so I'm paying less a month for insurance and I get money back at the end of the year. And then I get a wellness program.
And the employees get a tax break.
Exactly. Exactly. Employees get a tax break, which allows them to get extra insurance. And one of the companies I deal with gives whole life insurance policies, which collects cash value. And it's guaranteed issue, which means for your wife and your kids, guaranteed issue life insurance.
So if wife is unhealthy, kids are unhealthy, they're going to get guaranteed issue life insurance, which you would never be able to get on the private market, right? Not for these amounts that we're getting, $100,000, $200,000, right? Depending on how much the employees are making for years. So the tax break is different.
But it's just these really intricate strategies that sound kind of up there in the clouds. But that's the whole thing, right? I mean, strategies are chess. And there's so many movements you can make where most people are playing the game checkers, whether it's insurance or marketing, right? How many people do you run into that are playing their marketing game or ads game like checkers?
You're like, what are you doing here? And it's sometimes those little micro movements. I mean, when I met you, I was playing checkers. And you were like, hey man, if you just move this here and move this here, you're gonna see great results. And I was like,
what and when i did it i was like it's crazy it's like magic right yeah so it's the same thing in insurance those little changes you do and then having someone that can be an advocate for you and really lay all these plans out for you and i pay attention to the market so when things change i'm like hey listen there's a new rule there's new products let's get you on this let's shift you over because i don't care what insurance you're on i just want you to win that's it
Love it. So last couple of questions. I like to ask on the show more entrepreneurial now, right? Well, first one, where do they find you if they want to go down the rabbit hole on the insurance side? And they're like, that all sounds great. My guide is my current person I use has no clue about any of that. I want to pick your brain on it and see if I can just use you to set it all up.
Where do they where do they go?
I love it. You can go Facebook or Instagram to Procare Consulting or Philippe Lundstedt, either one, either my personal or my business. And you can also go to my LinkedIn as well, Philippe Lundstedt. That's the best way to get a hold of me.
We'll link it in the show notes too. So last couple of questions on the entrepreneur side. I always ask, you know, a lot of success, but what was your biggest, one of the biggest failures in business?
Oh man, my biggest failure in business was when I was working for Humana as a captive agent and I quit my job because I was unhappy with the way management treated somebody else. And I didn't take my book of business and it was over 800 clients. So I went from making six figures to nothing. I was young. It was the dumbest thing ever. I didn't have a plan.
Were you allowed to take it? Yeah, 100%.
I could have copied all those people and taken it. And then when I left, I could have easily contacted them and rewrote them because the plans change every year. I could have rewritten it and then boom, had 800 clients off the rip. So I actually did that twice. I did it with Humana and then I worked for United Healthcare and they had a contract dispute over in the area that I live in.
and all of my clients went over to Blue Cross Blue Shield, but because I was a captive with United, I couldn't do anything. That's when I was like, never again, I'm gonna become a broker. And it was like literally at that time, I was working like three jobs. It was tough, Rudy. Three jobs, no vacation time, three and a half years, grinding, grinding, grinding. I was a mattress firm trainer.
I worked at a pipe factory third shift and I was doing telemarketing every single day. It was nuts, man. No dinners, no holidays, none of that stuff. And it was tough, but now I'm here, right?
Yeah, yeah. Last question. I always ask, if you could go on a time machine to your younger self and tell yourself one thing, what would it be?
I would have told my younger self to invest in yourself, invest in the education, don't buy the glittery glamorous things, invest in your business masterminds, read more books and focus on personal growth because I would have been where I'm at now, 15 years ago.
It's funny how still 90% of the world does no personal development. But the people that do, it's like they always say they wish they'd done it earlier. Yep, absolutely.
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