We’re excited to introduce you to the always interesting and insightful Kim Clark. We hope you’ll enjoy our conversation with Kim below.

Hi Kim, thanks for joining us today. So, let’s start with trends – what are some of the largest or more impactful trends you are seeing in the industry?

As a licensed Life/Health Insurance agent. I am in the field and the biggest trend I hear people say over and over say they cannot afford life insurance. Or they just “buy enough to cover funeral costs”. Isn’t it weird that car insurance is required but life insurance isn’t. That’s because uncle Sam doesn’t get to rub his hands in the death benefit provided to a family so go figure. Hence, leaving GoFundMe which has turned into it’s own entity of issues. GFM wasn’t originally created for funerals. Yet these same people who decline insurance for $30-$45 a month will pay for hella subscriptions to catch all the latest tv shows. However, when they get off they have other duties and once they finally sit down to watch tv….it’s 30 mins and they are snoring…zzzzz.
In hindsight of this trend the most alarming thing I have noticed worldwide is the killing of minorities and people in underserved communities at an all time high by authoritative figures. I would bet some money if these same people being murdered started getting $100,000, 300k+ worth of life insurance policies these type of crimes would drastically reduce. Why?!? The insurance company lawyers would be all over whoever a++ to stop this corruption. They wouldn’t just idly sit back and keep paying large death benefits left and right. I am mainly speaking to police killings. Because insurance companies will pay, do they want to? Heck no. If you think for one minute all these killings would keep taking place if more people purchased life insurance policies. Nah! Insurance companies have great lawyers and they fight tooth and nail not to pay. They would be talking to the highest of the high to stop the bleeding from their pockets

As always, we appreciate you sharing your insights and we’ve got a few more questions for you, but before we get to all of that can you take a minute to introduce yourself and give our readers some of your back background and context?

My name is Kim Clark. I grew up in Fort Worth, TX. I joined the industry 4 years ago cause I say the income potential. I was leery at first due to negative influences around me at the time. So I joined thinking hey if nothing else I will get licensed with the state, you know basically this license will be my back up plan. I was juggling multiple jobs and some time back with my kids.

After using the income from my part time to pay for my licenses, background, fingerprinting etc. I was able to FIRE my boss. Getting in the field more sitting with families. I’ve been able to help not only strangers but family and friends learn about financial literacy. I am able to teach them about finances and entrepreneurship. Even learn things myself!

I never imagined being an insurance agent. As stay…I know insurance is my assignment, of course. I work with insurance companies like National Life Group, ANICO, Mutual of Omaha, Foresters etc. I solve huge financial issues for families at their darkest moments. I knew death early on my father was killed when I was 6. Despite that, I had a pretty comfortable life. We had what we needed and lived among entrepreneurs in my family. Growing up my mom was a stay at home mom who helped my Papa with a lot of his “businesses”. He did everything for the family, even had my brothers and I working/building houses on the weekend. So at an early age when he passed away. Nobody spoke about his life insurance. Unfortunately he had a wife that he was separated from but not legally divorced. She took our childhood home and took us to court for eviction. I was 18. There was no planning, preparation- no financial services that came our way. We literally went from having a home to no home.

And that’s why it’s turned into my assignment if I can help a family avoid that type of catastrophe. I’m a educator at heart. What we as agents do for families, have done for families. Most Americans are being left behind by the financial industry. Or can’t afford a CPA.

A family with a plan is better than one without. Will you agree? Let’s get into it.

We’d love to hear about how you met your business partner.

I’d recently went through a divorce and with the one income per usual the bills started billing… So I took one a part time. One day during my shift at the part time store “At Home”, I hated that job because we were always short staffed and breaks were non existent if you didn’t ask… BUT any who it was where I meet my business partner so I never tell people I hated that job anymore… because it literally saved my life and my sense of home decor fashion. tehehehe **COMMERCIAL BREAK: They have the cutest things.,, OKAY OKAY I’ll get on with it.**

Any way she invited me numerous times to meet with her director who was looking for some great people in Arlington, TX unfortunately, I was never able to make it due to working, working and working…She kept in touch and she invited me to attend a financial services seminar at UNT Dallas where the CEO Patrick Bet-David was speaking. I didn’t want to turn her down yet again even though it was a 45 min commute and raining hard that day may I add. I hate driving in the rain, especially to places I’m unfamiliar with. I went though because I had given my word. The diverse culture and ages of everyone attending was like a breathe of fresh air. AND everybody in attendance was might-TEE sharp that day.

The first thing that intrigued me in all honesty was the income able to be generated and residual income. Secondly, when I went in the field with my trainer and saw the great work they did for families.

I WAS SOLD… I’ve always been a natural born educator and I wanted to be a teacher when I was younger. But whew these new aged children… I just CANNOT. They don’t lissen (yes, I spelled it that way on purpose- That’s my business “TabithaBrown voice”

One meeting I will forever say – It wasn’t nothing but God.

Alright – let’s talk about marketing or sales – do you have any fun stories about a risk you’ve taken or something else exciting on the sales and marketing side?

I had a family member who had her insurance policy with a auto insurance. When I first came in the business I would ask for help from my family members to learn the business. Also, this allowed them to see exactly what I did when they ran into referrals for me. My aunt says I will help you. We set a date to meet. I kill my presentation and she’s surprised by my knowledge being I was new. She said she had a policy that she wanted me to look at, I ended up discovering the policy was a term and would expire when she was 80. She said nah “HE” wouldn’t do me like that. But she says I’m going to call him tomorrow with you on the phone.

She calls me the next day with the agent on the phone and he starts off great but he says a key word that I catch. He was phrasing it different but basically said the policy would end at 80 unless she over funds it; meaning pay more that her allotted payment each month. It wasn’t building cash value, and she would have to pay until maturity. Maturity means you will pay until you expire. Now who wants to be paying that long but the older you get the more expensive insurance is. I was able to get her into a policy that wasn’t necessarily cheaper but came with living benefits in case she has a medical scare. Also the policy had a component built in to accumulate cash value. This aids in retirement planning as well

That’s why I educate people on starting early with financial education

Contact Info:

• Website: https://deion6rhymez.wixsite.com/insurance/post/i-was-on-my-way-to-being-a-real-estate-investor
• Instagram: instagram.com/stewardcoded
• Linkedin: www.linkedin.com/in/endlesslycreateyourself
• Other: Debt Solutions site – phpdebtsolutions.com/sm/988284 Together with Mediator Debt Solutions, we specialize in helping thousands of people like you acquire financial debt relief by helping them resolve their student loan, credit card, medical and/or other forms of unsecured debt. Schedule – Calendly – calendly.com/stewardcodedinsurance

Image Credits
National Life Group