Kim Page
READY_TO_CLOSE- Phone:
- +18015181801
- Type:
- WARM_CLIENT
- Source:
- Past clients.xlsx
- Last Contact:
- 2026-08-24
- Licensed State:
- ✓
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36
Hey Kim! Hope you're doing well. I was just thinking about you and wanted to touch base — how's everything going with your coverage? Any changes in your life I should know about?
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Hey Kim! Just thinking of you — how's everything going? Your coverage still working well for you, or have things changed since we last talked? And hey, if you know anyone who could use the same kind of help I've given you, I'd love to help them out too. 😊
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I don't have a name attached to this number so who am I speaking with? Sorry, just a bit cautious.
Totally fair — I'm German Munoz, your independent insurance agent. We've worked together before on your coverage. If you want to verify, you can always call me back at the number you have on file. No pressure at all — just wanted to check in. Does that work?
Oh, hey German! Actually Cindy and I were just talking about increasing our insurance ( depending on price of course ). I think we'd like to get with you and see about the possibility.
That's awesome — I'm glad you two are thinking ahead! Before we lock in a time, quick question: are you looking to increase what you already have with me, or are there gaps we haven't covered yet (like health, term life, or something else)? That'll help me come prepared.
I think we're looking at a bit more whole life, term life I'm not sure about beings we're 70. I think we're ok with health insurance, we're just trying to get a bit more for the survivor (just in case).
Got it — that makes total sense at your stage, and I appreciate you being clear about what matters most to you both. Whole life is a solid move for legacy planning. Let me ask: when you think about what would be "enough" for Cindy to be taken care of, do you have a number in mind, or should we figure that out together when we meet?
You know, I really think that's going to depend on how expensive the coverage would be. I think right now we have have $30k, I'd like to see about at least $50k, again if we can afford it.
Perfect — $50k is a good target, and honestly at your age whole life can be very doable depending on health. Let me pull some quotes and get back to you with real numbers so you can see what that looks like. When works best for you and Cindy to go over options — this week or next?
Well, our dog just had ccl surgery (acl human) so we're pretty much homebodies for the next couple weeks. And we're retired so pretty much any time you've got in your schedule would work
Ah man, hope the pup bounces back quick — that's rough. Perfect, I'll work around your schedule then. Let me gather some quotes on that $50k whole life increase for you both, and I'll reach out in the next day or two with options and a time that works. Sound good?
Sounds good. It's funny, Cindy and I just got out our insurance policy and we're going to get hold of you.
Love it — you two are on top of things! Grab that policy, and yeah, reach out whenever. I'll have those quotes ready for you. Talk soon!
Cool, thanks!
You got it! 👍
Hi German. My birthdate is March 16, 1956. Cindy's is March 27, 1956. Looking back at my heart and copd it looks like everything started (test wise) beginning about February 2024. The field ablation took place April 2025
Thanks for getting me that info — I've got your birthdates locked in. So you had the ablation pretty recently (April), and COPD diagnosis around the same time last year. How are you feeling now, a few months out from the procedure? That'll help me understand what underwriters are gonna see and get you the best rates possible.
April of last year. The afib happened Dec of 2024, had to wait that long for the surgery
Got it — so afib diagnosis in December '24, then ablation April '25. That's a solid timeline, and the fact you got the procedure done is actually good news for underwriting. How's your energy been since the ablation? Are you back to doing most of what you want to do, or still taking it a bit easy?
I feel fine now. I just have to keep up my walking and exercise.
That's excellent — staying active is huge, and the underwriters will see that positively. Alright, so between your health history and Cindy's, I'm gonna pull some whole life quotes for that $50k increase you mentioned. One quick question before I do: do either of you have any retirement accounts — like an old 401k, IRA, or anything from your working days that's just sitting around?
Not anymore. Cindy has state retirement and I still have a small monthly retirement from Delta.
Perfect — so you both have that steady income locked in, which is great. That actually helps with underwriting too. Let me get those whole life quotes pulled together for you, and I'll reach out in the next day or two with options and pricing. Sound good?
Sounds good. Oh Cindy's retirement is about $1900 a month and mine is about $400 if that helps you
That helps — thanks for sharing that. Combined $2,300/month is solid ground to work from. I'll use that when I present the quotes to make sure the premiums fit your budget comfortably. I'll get those to you soon!
Hey Kim, sorry for the late response. After running some quotes it could be anywhere from $150-$200 per month for you to get another $20,000 in coverage. For Cindy it would be anywhere from $120-$155 per month. It would be immediate coverage, let me know what you think and we can hop on a call to see about getting it or not.
Hi German, I was hoping for a bit less $, but it could be done. I do like it would be immediate coverage. Is it a new company or still with Americo? Let me get back to you. Cindy and I would like a couple days to talk.
Good question — it's still Americo, so you're staying put with what you know. Take your time talking it through with Cindy; this is a decision you two should feel good about together. I'm here whenever you're ready to move forward.
Its actually with a new company called Combined. But I can check Americo and prices would be the same.
If it's going to be the same, I don't know if it's necessary to check. I just appreciate you looking for us. We'll get back with you in a day or two
You got it — no need to overcomplicate things. Take a couple days, talk with Cindy, and just let me know when you're ready. Appreciate you, Kim.
Hi German, sorry I took so long getting back to you. We've decided not to increase our insurance, it's just too expensive. We already do a $188 (me) and $155 (Cindy). It's just to hard to justify an additional $350 or so every month, it would make just our life insurance almost $800 a month. Anyway, thanks for reaching out to us, we appreciate it.
Kim, I totally get it — $800/month is a real number, and you guys are being smart about what works for your situation. You're already well-covered, so no pressure here at all.
Quick thought though: do you know anyone — friends, family, coworkers — who might be looking at life insurance and could use the same straight-talk approach we've used with you? Sometimes people are surprised how affordable it can be when they actually sit down and look.
Either way, thanks for always being straight with me. We'll keep an eye on things and touch base down the road.
Since we've retired our social circle has really gotten smaller. I will keep an ear open and if I hear anyone I know talk about insurance I won't hesitate to recommend you. You're always upfront, and so easy to work with. Definitely let's keep in touch. Thanks again.
Kim, that means a lot coming from you — seriously. I appreciate the kind words and I'm glad we could help you think it through the right way. You've got my number, so anytime something comes up or you just want to check in, reach out.
Stay well, and we'll definitely stay in touch. 👍
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