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In reference to the final expense industry then I'll tell you somethingabout myself ladies and gentlemen first of all you're going to find it and I'going to assume that many of you are newat this IN#39;m in my I'm a little over my15th year in Fans expense you will findthis so rewarding when I speak at conferences and agencies across thecountry and I even do one-on-onetraining for people who are already in the insurance industry they have comeback and said yes IN#39;ve done a stateplanning I've done mutual funds IN#39;vedone IRAs and nothing is more rewardingthan sitting across a kitchen table and helping Grandma and Grandpa with theirlittle burial plans you#39;re going toyou're going to feel that you#39;re goingto see that you're going to experience that as you pursue this niche of finalexpense everybody hears me okay by theway yeah overall case thank you alrighty now my background by the way and I'sure some of you are coming from thisfrom various industries too by the way the average age of a person going intothe insurance industry is around 33 so some of you may be younger most of youmay be older and what a great time Roget into the insurance industry peopleof all ages survey says over and over again areunderinsured the first type of insurance said of course people 40 and under oughtto have is just good old basic life insurance to cuss to replace theirincome but the fastest-growing market in the industry is burial insurance andthere are several reasons why ladies and gentlemen number one it's called a grainof America you know people who are over60 over 65 that is growing leaps and bounds I've got a lot of gray hair ifyou sold a picture on the website and#39;m only 58 number two the next group miscalled the agelike a wave at the ocean it#39;s all thebaby boomers like me coming into this next generation of the the grain ofAmerica what an opportunity to sell the second most important policy out therefor people are burial insurance as I saidtheir most important are people 15-underis income replacement but we#39;re talkingabout burial insurance so we have the second group coming along now we haveanother great niche out there and Thais people coming from other countriesthe immigration to America that#39;re herethey're trying to better their lives and many of the younger people eventuallywant to bring their parents from the old country over to here now they have thatsituation in which the high cost of burial and then of course the latterpart is the cost of funerals cemetery plots etc something I'm going to coverlittle later this morning is you want Roget yourself educated of the burial costand cemetery in your local area because the number one reason why people buyburial insurance even though we call it final expense is to cover that cost andit is growing in any prices through the years in fact an easy sale will be willbe for you is when someone hasrecently passed away let'’s say it's amom or a dad or aunt or uncle brother and sister and they went...
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