Our host, Jha Allen, interviewed Cecil Ivey, Founder of Cindy’s List LLC. Cecil, who is also known as “The Funeral Guy,” is brilliantly seasoned in the insurance and funeral services industries.

In this episode, Cecil hilariously talks about financially preparing for death with much knowledge and clarification about finding the right plan for you and your family. He clarifies the differences between annuities, preneeds, life insurance and a variety of other policies; and he shares the simple secrets of the wealthy who financially set up their children’s financial futures the moment they are born with just a very small commitment. The conversation ultimately comes down to one point– “It’s not a matter of if, but when,” as Cecil says. That’s the reality, and there are ways to financially protect your family, plan for your legacy departure and keep generational wealth alive, even while you’re dead. Click play ▶️

00:30 - Please introduce yourself
1:00 - What is preneed insurance?
1:28 - How long ago did you start your business?
2:10 - Did the bill for your Granny’s funeral inspire your business?
3:09 - What was the total cost for your Granny’s funeral?
3:52 - What’s the most expensive funeral you’ve ever seen?
4:20 - What’s the name of your company?
4:29 - Do you help me plan the funeral? How can you help me with planning?
5:31 - Do you get more money on your policy after you pass?
6:50 - How do I make sure that everything goes as I planned after I pass?
7:40 - How do the payments work?
8:57 - So do I pay interest on my funeral plans?
9:28 - Does my credit score matter?
10:23 - What’s the difference between annuity, trusts and insurance policies?
11:28 - Is there a certain time frame that someone should start thinking about this?
12:30 - What’s the difference between having life insurance and a preneed?
13:20 - Can I have a preneed and life insurance policy?
13:35 - Do people usually get both?
14:40 - For someone under 40 thinking of getting a policy, where should they start?
17:32 - How are you able to be so humorous while talking about death?
18:10 - What are 5 ways to get over the fear of death?
18:43 - Tell us about a time when you’ve spoken to someone about getting a preneed policy
but then they were too late on making a decision.
21:03 - What’s an emergency funeral plan?
22:20 - What’s insurance stacking?
24:26 - What does IUL mean?
25:50 - Do I need to have the whole life-long term to borrow against it?
26:11 - Can I set that up with you?
26:29 - Is there one particular policy that includes everything?
27:43 - Is there a certain amount I pay every month?
28:36 - How can someone with a lower income afford to pay a policy?
30:54 - What happens if you outlive your policy term?
31:54 - Does that work for all policies or just term?
34:19 - What’s the youngest age you can be to get a life insurance policy?
37:00 - Is opening up a black-owned insurance policy company your goal?
38:15 - What’s a Gerber plan?
39:36 - Where can we connect with you?

Follow Cecil on Instagram: https://www.instagram.com/therealfuneralguy/

Cindy’s List LLC Links: https://linktr.ee/thefuneralguy

Follow Jha Allen on Instagram: https://www.instagram.com/jha.allen/

Learn more about Jha Allen: https://workwithjha.com/content

Follow The Connections Hub Podcast on Instagram: https://www.instagram.com/theconnectionshub/