March 5, 2025
Cybersecurity-10 Threats Every Person Faces & How to Fight Them Now
Every 2 seconds someone becomes a victim of identity theft. There are over 14 million victims of Cybersecurity out there! Today we are going to develop a personal plan for YOU to help keep yourself safe from these threats. You will take a test and...
Every 2 seconds someone becomes a victim of identity theft. There are over 14 million victims of Cybersecurity out there! Today we are going to develop a personal plan for YOU to help keep yourself safe from these threats. You will take a test and score yourself on how well you are prepared for those who wish to do you harm. Then we will develop a plan on how to address those areas most important to you to improve.
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WEBVTT
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The topics and opinions expressed in the following show are
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solely those of the hosts and their guests and not
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those of W FOURCY Radio. It's employees are affiliates. We
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or it's employees are affiliates. Any questions or comments should
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be directed to those show hosts. Thank you for choosing
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W FOURCY Radio.
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Welcome to to Ask Good Questions podcasts, broadcasting live every Wednesday,
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six pm Eastern Time on W four CY Radio at
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w fourcy dot com. This week and every week, we
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will reach for a higher purpose in money and life,
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as well as a focus on health and wellnent. Now,
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let's join your host, Anita bell Anderson as together we
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start with Asking Good Questions.
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Hello, this is your host, Benita bell Anderson. Thank you
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so much for joining us today on Ask Good Questions.
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I have a special guest today with me, John Johnson,
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and I am going to give you a little bit
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of information about him. Actually, I'm going to start with
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telling you the story of how I met John. So
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I want to welcome John to the studio. And I
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went through a horrific divorce about it's been about twenty
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five years ago, and actually moved my youngest daughter and
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me to Saint George, Utah, where she was attending a
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brand new performing arts high school. And I was just
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in a total funk. And I went to like this
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marketing meeting and I sat next to this guy named
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John Johnson, who happened to be a Northwestern Mutual agent,
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and I said, Oh, I need to restart my life
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and I need to do this and that. So that's
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how I actually started. He was actually helping me restart
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my life. So welcome John, Thank you, Thank you. John
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is actually here in Saint George, Utah with me, but
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he's at in his studio and I'm in my studio.
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So let me tell you a little bit about John.
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He actually had a career before the whole life insurance gig.
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And we're calling today and this was John's I thought
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this was pretty clever on John's part. You have a life,
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you need life insurance. We are going to talk about
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the scintillating topic of having life insurance today. You're going
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to be so glad you paid attention to this episode.
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But let me tell you a little bit about John. First,
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he transitioned from a twenty five year career in ophthalmology,
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biomedical photography, medical education, ANYI research, what's any I research?
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National student health.
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Okay, okay, just in case anybody doesn't know, and clinical care,
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and he left that industry to go into financial services
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and it was really, really, really challenging for him. I'm
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going to have him tell a little bit more about that.
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But he started off with the bank. He completed his
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first year as a special agent. He was awarded Agent
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of the Year. Did you get a big head, John
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when all that happened?
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No, I just I put up with it.
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Yeah. And he was lives leader for a new Northwestern
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Mutual District agency in Saint George, Utah, and it really
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helped get him off the ground with that. Over the
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next twenty six years, he built an insurance an investment
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practice as Southern Utah's senior financial advisor, and he helped
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clients with their personal financial goals, utilizing facts, sound financial
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planning principles, and strategy or strategy or strategies. If I
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could talk, He's a fiduciary, which means he always puts
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the client's interests first, and he built and maintained long lasting,
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trusted relationships over all that time. John was a great
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mentor for me because when I met John was right
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when I was transitioning into figuring out what do I do?
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And it was actually John that said, you should look
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at this as a career. You'd be good at it.
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So do you have anything that you want to add
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to that.
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Well, it's recruiting good people, is what we did. You know,
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we started an agency in southern Utah, in Saint George,
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and we wanted some good people and we didn't have
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very many good people. And I thought you were, you know,
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with your background education, you would be good at what
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you do. So I could see in the crystal ball
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all these wonderful things happening to you over the next
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thirty years or so.
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Right, Well, yeah, it seems crazy that it's been that.
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You know, it's been a long time now, but John
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and I kind of lost track of each other, and
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recently we've reconnected when I became a snowbird and ended
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up in Saint George again, and so that's been really
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fun to reconnect with John. And when I was thinking, I,
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because I do financial topics obviously along with health and
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wellness topics, I thought, why would I Who would I
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go to if I wanted to talk about life insurance?
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And I thought, I couldn't think of anybody but John,
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because he's like the master and he knows. And actually,
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we've got some good stories that we're going to tell,
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both the good and the bad side of why you
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should have something. So we are hoping that this will
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spur you to do that and to look into it.
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If you have any questions, there's a way for you
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to get in touch with me after the show, and
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you can go to the podcast website and all that.
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So anyway, well, John, let's get into it. This idea,
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you know why you need life insurance? We would you
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tell someone if they're going on I don't know if
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I need any of that stuff? Why should I?
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It's a real hard sell because it's not like something
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that you can put your hands on. It's a promise
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from a company that they'll pay something if you die.
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And going through the process of figuring out how much
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life insurance you need is not a mystery. It's a
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matter of replacing a lot of things and taking care
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of a lot of expenses that you want to not
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leave other people that you care about. And that's one
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of the things that we have to think about, is
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if you care about someone, you probably should have life insurance.
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And a rule of thumb has been for many, many
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years to have as much life insurance as approximately ten
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times your income. But I think with inflation and with
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changes and with debt and everything, realistically that's not even enough.
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So you think about if you have a mortgage and
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if you have monthly expenses that you want to take
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care of, you need it really max out as much
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as you can qualify for, right And the key is
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to qualify for as much as you really need and
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then figure out how to put that in the form
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of a life insurance contract that's supportable.
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Right you pretty much? I mean, like my best example
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of someone you know, like young people I remember back
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in the day, right when we were young, And I
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am thinking of an assistant, a current assistant, somebody that's
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working for the registraed investment advisory firm that I'm with.
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She recently lost her husband, thirty one year old guy,
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and you know, just all of a sudden he drops dead,
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and you know, it's like some medical issues that nobody
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knew he even had. So here she is, and thank
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goodness she worked for for us because she had been
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taken care of. But most thirty thirty year olds think, oh,
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I've got lots of time.
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Oh yeah, yeah, our immortality will fool you.
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Yeah yeah, absolutely, Well okay, so you know, I want
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I'm hoping that we can make this as interesting as possible.
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And even if it's if it's like, oh I don't
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want to hear this, I want you to listen because
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this is super important. So John, let's talk about the
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different types of insurance first, because those young people they
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should get what well, initially.
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Initially most people, most younger young people have a budget,
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and everyone should have a budget, but you have to
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budget accordingly. And so if you set aside so much
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in your budget for life insurance, you figure out what
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kind of insurance that would be, it probably would be
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term insurance. Term insurance is the absolute least expensive insurance,
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and term insurance is great because it does its job
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whether you need an hour later. The price on term
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insurance generally either stays level for twenty or thirty years,
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or it goes up a little bit each year after
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a certain age, so it does get pretty pricey after
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a while. But you know, when you're young, and I say,
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when you're young and you don't know some of these things,
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a lot of people will just say, well, I'm going
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to buy term and invest the difference instead of no,
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not at all, buy term and invest the difference. And
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people never invest the difference. They just they buy a
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term and then they spend the difference. And so it's
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important to explain educate how best to buy insurance. It
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comes in a lot of flavors. Okay, it's like you
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can buy whole life insurance, you can buy term insurance,
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you can buy a hybrid and hybrid policy that has
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a lot of term insurance in it, which reduces the
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cost of it. But it depends on what you want
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that insurance to do. If you want it to be
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in place when you die, tell me when you're going
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to die, and I'll tell you how much turb insurance
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to buy it. So it's that simple. Now, if you
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don't know when you're going to die, then you might
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want to consider buying something that is flexible and will
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work in the event of many problems that people have
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is paying premium. Sometimes down the road we've had people
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that lapse their policies and don't have insurance at the
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time that they need it. So it's important to to
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plan accordingly and give all the options of the types
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of insurance and price them according to what the person's
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budget is, what it can stand. The other part of
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it is that you know, we wouldn't even be interested
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in life insurance if we didn't care about others. We
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don't care about having, you know, to pay off pay
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off a lot of debt, payoff of mortgage, payoff a heelock,
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or credit cards, and have monthly income. So some people
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think that if you have a million dollars of life insurance,
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that's really about all you need, and or two million, okay,
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that can go really fast. And some people would say, well,
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I can just live off the interest. Well, what kind
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of interest do you get today? Maybe four or five percent?
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Maybe maybe so you know, maybe if you get four
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or five percent on a million dollar or two million
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dollar policy, that might get you in a comfortable spot.
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But I think using some of the planning tools that
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you and I've used and that you currently use, I
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think that you can really narrow it down and pinpoint
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some of the better numbers that people are interested in
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versus estimates, right, and then find the cost of that
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insurance contract that will do the job. But you know,
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insurance is such a it's a hideous thing to try
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and sell. I'm sorry, it's it's it's not fun. It's
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you know, like and the people that sell it is
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you know, it's like insurance salesmen are like someplace maybe
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a little bit above the car salesman or the used
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car salesmen, or the lawyer or the attorney.
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Well you don't think you don't think twice about insuring,
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you know, doing the homeowner's insurance or the car insurance
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exactly exactly. People a lot of times don't even don't
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think about it ensure in their life. Now we'll get
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all the crazy things that that happened on a rate
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and like there's been all these plain disasters lately, Holy cow.
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Those people would never, you know, in a million years
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think I'm not going to see tomorrow.
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Yeah, so you can't put a dollar amount on your life.
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I mean, try to put a dollar amount on your life,
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and and that's that's where you start thinking more about
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what you're worth.
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Yeah, yeah, Well you know what I'm thinking is I
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think that stories are the best way to talk about
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life insurance. So you told me a story about your
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grandfather that I would love to have you tell.
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Oh, okay, well yeah there.
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Was you have Do you have the picture? Can you
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show it? Can put the picture up?
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And I don't have it. You know, I didn't get
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up and go in the other room and get it.
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But I'm just saying that my grandfather was a businessman
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in the twenties, well, ye know, in the early twenties,
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nineteen twenties and before that. So in nineteen twenty nine,
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he and his wife were going to a mother's day
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outing and they had a car accident and my grandmother
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was injured enough where she passed away within a day
233
00:15:34.480 --> 00:15:40.000
or so. But my grandfather was injured and he lived
234
00:15:40.120 --> 00:15:46.000
another five months. And when he died, he had made
235
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arrangements for his three daughters, who survived the accident, to
236
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have enough money to go to college. They had he hired,
237
00:15:58.159 --> 00:16:04.840
he had an executor of the trust, and they that
238
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person was responsible for taking care of all the bills,
239
00:16:08.720 --> 00:16:13.159
and the house was paid for and I mean it's
240
00:16:13.200 --> 00:16:18.840
just like such a nice transition to security because he
241
00:16:18.960 --> 00:16:20.279
had life insurance.
242
00:16:20.600 --> 00:16:22.399
Were the ages of the girls.
1
00:00:00.320 --> 00:00:02.560
2
00:00:02.600 --> 00:00:04.200
3
00:00:04.280 --> 00:00:07.160
4
00:00:07.240 --> 00:00:10.279
5
00:00:10.359 --> 00:00:12.679
6
00:00:12.800 --> 00:00:15.960
7
00:00:16.039 --> 00:00:18.800
8
00:00:18.800 --> 00:00:21.120
9
00:00:21.239 --> 00:00:23.600
10
00:00:29.280 --> 00:00:34.079
11
00:00:34.119 --> 00:00:37.960
12
00:00:38.159 --> 00:00:41.759
13
00:00:41.799 --> 00:00:45.240
14
00:00:45.600 --> 00:00:48.880
15
00:00:49.439 --> 00:00:54.159
16
00:00:54.200 --> 00:00:57.439
17
00:01:01.240 --> 00:01:05.719
18
00:01:05.799 --> 00:01:09.640
19
00:01:10.239 --> 00:01:14.079
20
00:01:14.599 --> 00:01:16.280
21
00:01:16.280 --> 00:01:18.920
22
00:01:19.120 --> 00:01:24.840
23
00:01:24.879 --> 00:01:29.400
24
00:01:29.680 --> 00:01:33.599
25
00:01:33.640 --> 00:01:37.799
26
00:01:37.879 --> 00:01:43.840
27
00:01:43.959 --> 00:01:48.760
28
00:01:48.879 --> 00:01:54.519
29
00:01:54.719 --> 00:01:58.599
30
00:01:58.640 --> 00:02:02.359
31
00:02:03.879 --> 00:02:07.000
32
00:02:07.079 --> 00:02:09.919
33
00:02:09.919 --> 00:02:13.879
34
00:02:13.919 --> 00:02:19.919
35
00:02:20.199 --> 00:02:23.400
36
00:02:23.680 --> 00:02:26.680
37
00:02:27.479 --> 00:02:29.599
38
00:02:31.240 --> 00:02:35.080
39
00:02:35.159 --> 00:02:38.439
40
00:02:38.479 --> 00:02:41.400
41
00:02:41.439 --> 00:02:44.479
42
00:02:44.520 --> 00:02:48.560
43
00:02:48.639 --> 00:02:52.000
44
00:02:52.479 --> 00:02:55.400
45
00:02:56.280 --> 00:03:01.439
46
00:03:02.400 --> 00:03:08.000
47
00:03:08.919 --> 00:03:10.159
48
00:03:10.960 --> 00:03:15.680
49
00:03:16.319 --> 00:03:19.879
50
00:03:20.639 --> 00:03:23.199
51
00:03:23.199 --> 00:03:25.319
52
00:03:26.199 --> 00:03:29.400
53
00:03:29.439 --> 00:03:33.680
54
00:03:33.759 --> 00:03:36.360
55
00:03:36.439 --> 00:03:37.599
56
00:03:38.000 --> 00:03:40.840
57
00:03:41.240 --> 00:03:46.919
58
00:03:47.039 --> 00:03:52.479
59
00:03:52.560 --> 00:03:56.479
60
00:03:56.520 --> 00:04:00.599
61
00:04:00.639 --> 00:04:05.800
62
00:04:05.919 --> 00:04:10.840
63
00:04:10.879 --> 00:04:16.639
64
00:04:16.680 --> 00:04:20.519
65
00:04:20.600 --> 00:04:25.800
66
00:04:25.839 --> 00:04:29.680
67
00:04:29.720 --> 00:04:34.040
68
00:04:34.199 --> 00:04:39.040
69
00:04:39.199 --> 00:04:43.040
70
00:04:43.079 --> 00:04:45.120
71
00:04:46.040 --> 00:04:47.759
72
00:04:47.800 --> 00:04:48.680
73
00:04:48.959 --> 00:04:54.439
74
00:04:55.120 --> 00:04:59.839
75
00:05:00.079 --> 00:05:03.360
76
00:05:03.519 --> 00:05:06.720
77
00:05:06.920 --> 00:05:11.680
78
00:05:11.759 --> 00:05:15.519
79
00:05:15.600 --> 00:05:18.120
80
00:05:18.800 --> 00:05:19.759
81
00:05:20.319 --> 00:05:24.600
82
00:05:24.839 --> 00:05:28.279
83
00:05:28.319 --> 00:05:30.720
84
00:05:31.279 --> 00:05:35.800
85
00:05:35.879 --> 00:05:39.040
86
00:05:39.040 --> 00:05:44.759
87
00:05:44.839 --> 00:05:49.079
88
00:05:49.079 --> 00:05:53.759
89
00:05:53.839 --> 00:05:56.199
90
00:05:56.240 --> 00:05:58.519
91
00:05:59.360 --> 00:06:04.480
92
00:06:04.480 --> 00:06:06.680
93
00:06:06.720 --> 00:06:10.160
94
00:06:10.240 --> 00:06:15.199
95
00:06:15.240 --> 00:06:19.120
96
00:06:19.560 --> 00:06:22.519
97
00:06:22.560 --> 00:06:25.519
98
00:06:25.560 --> 00:06:28.079
99
00:06:29.000 --> 00:06:34.560
100
00:06:36.120 --> 00:06:40.480
101
00:06:40.519 --> 00:06:42.439
102
00:06:42.439 --> 00:06:45.160
103
00:06:45.920 --> 00:06:50.079
104
00:06:50.120 --> 00:06:54.079
105
00:06:54.120 --> 00:06:57.560
106
00:06:57.959 --> 00:07:02.279
107
00:07:02.360 --> 00:07:06.639
108
00:07:06.680 --> 00:07:10.240
109
00:07:10.279 --> 00:07:13.800
110
00:07:14.519 --> 00:07:18.560
111
00:07:18.639 --> 00:07:20.759
112
00:07:21.560 --> 00:07:25.160
113
00:07:26.040 --> 00:07:31.480
114
00:07:31.560 --> 00:07:37.399
115
00:07:37.480 --> 00:07:41.199
116
00:07:41.319 --> 00:07:47.360
117
00:07:48.160 --> 00:07:52.639
118
00:07:52.720 --> 00:07:54.959
119
00:07:55.000 --> 00:08:00.759
120
00:08:00.759 --> 00:08:05.279
121
00:08:05.319 --> 00:08:09.079
122
00:08:09.120 --> 00:08:12.480
123
00:08:12.560 --> 00:08:16.360
124
00:08:17.399 --> 00:08:20.639
125
00:08:21.000 --> 00:08:25.920
126
00:08:25.920 --> 00:08:30.399
127
00:08:30.439 --> 00:08:34.519
128
00:08:34.600 --> 00:08:39.679
129
00:08:40.799 --> 00:08:45.159
130
00:08:45.960 --> 00:08:52.200
131
00:08:52.320 --> 00:08:54.919
132
00:08:55.000 --> 00:09:00.720
133
00:09:00.799 --> 00:09:06.879
134
00:09:06.919 --> 00:09:10.679
135
00:09:10.720 --> 00:09:11.720
136
00:09:11.960 --> 00:09:15.919
137
00:09:16.519 --> 00:09:23.759
138
00:09:24.159 --> 00:09:27.039
139
00:09:27.080 --> 00:09:29.600
140
00:09:29.600 --> 00:09:33.559
141
00:09:33.600 --> 00:09:37.399
142
00:09:37.440 --> 00:09:42.360
143
00:09:42.360 --> 00:09:45.440
144
00:09:46.840 --> 00:09:51.639
145
00:09:51.960 --> 00:09:57.200
146
00:09:57.240 --> 00:10:02.799
147
00:10:02.799 --> 00:10:05.360
148
00:10:05.519 --> 00:10:08.039
149
00:10:08.159 --> 00:10:13.559
150
00:10:13.720 --> 00:10:18.519
151
00:10:19.080 --> 00:10:24.759
152
00:10:24.759 --> 00:10:28.639
153
00:10:29.360 --> 00:10:33.720
154
00:10:33.759 --> 00:10:37.720
155
00:10:37.759 --> 00:10:41.120
156
00:10:41.279 --> 00:10:44.080
157
00:10:44.639 --> 00:10:46.360
158
00:10:46.399 --> 00:10:51.440
159
00:10:51.519 --> 00:10:54.960
160
00:10:55.000 --> 00:10:57.919
161
00:10:58.039 --> 00:11:01.679
162
00:11:01.759 --> 00:11:08.519
163
00:11:08.559 --> 00:11:11.360
164
00:11:11.399 --> 00:11:14.200
165
00:11:14.240 --> 00:11:18.000
166
00:11:18.679 --> 00:11:21.559
167
00:11:21.600 --> 00:11:23.879
168
00:11:23.879 --> 00:11:25.679
169
00:11:25.759 --> 00:11:28.120
170
00:11:28.159 --> 00:11:30.080
171
00:11:30.080 --> 00:11:34.600
172
00:11:34.639 --> 00:11:37.559
173
00:11:37.600 --> 00:11:41.679
174
00:11:41.720 --> 00:11:47.480
175
00:11:47.679 --> 00:11:51.399
176
00:11:51.480 --> 00:11:56.639
177
00:11:56.679 --> 00:12:00.200
178
00:12:01.320 --> 00:12:04.799
179
00:12:04.840 --> 00:12:09.039
180
00:12:09.080 --> 00:12:16.240
181
00:12:16.279 --> 00:12:18.639
182
00:12:18.679 --> 00:12:21.120
183
00:12:21.159 --> 00:12:24.679
184
00:12:24.720 --> 00:12:27.399
185
00:12:27.519 --> 00:12:32.519
186
00:12:32.600 --> 00:12:36.080
187
00:12:37.000 --> 00:12:40.840
188
00:12:42.799 --> 00:12:47.480
189
00:12:47.519 --> 00:12:49.440
190
00:12:49.480 --> 00:12:54.080
191
00:12:54.320 --> 00:12:58.519
192
00:12:58.600 --> 00:13:01.639
193
00:13:01.679 --> 00:13:05.919
194
00:13:06.480 --> 00:13:09.600
195
00:13:09.679 --> 00:13:12.279
196
00:13:12.279 --> 00:13:16.639
197
00:13:17.039 --> 00:13:20.759
198
00:13:20.919 --> 00:13:25.279
199
00:13:25.399 --> 00:13:29.559
200
00:13:29.600 --> 00:13:34.000
201
00:13:34.039 --> 00:13:37.360
202
00:13:37.399 --> 00:13:39.279
203
00:13:39.440 --> 00:13:44.320
204
00:13:45.159 --> 00:13:48.279
205
00:13:48.279 --> 00:13:50.360
206
00:13:50.720 --> 00:13:53.279
207
00:13:53.399 --> 00:13:56.080
208
00:13:56.120 --> 00:13:59.559
209
00:13:59.600 --> 00:14:02.039
210
00:14:02.039 --> 00:14:04.919
211
00:14:04.960 --> 00:14:09.639
212
00:14:10.600 --> 00:14:14.679
213
00:14:14.759 --> 00:14:16.919
214
00:14:17.120 --> 00:14:19.879
215
00:14:19.960 --> 00:14:22.720
216
00:14:23.000 --> 00:14:27.279
217
00:14:27.799 --> 00:14:28.440
218
00:14:28.960 --> 00:14:34.080
219
00:14:34.120 --> 00:14:40.000
220
00:14:40.039 --> 00:14:43.679
221
00:14:43.679 --> 00:14:45.679
222
00:14:46.120 --> 00:14:49.120
223
00:14:49.000 --> 00:14:52.000
224
00:14:52.039 --> 00:14:53.480
225
00:14:53.480 --> 00:14:57.360
226
00:14:57.480 --> 00:14:58.799
227
00:14:58.799 --> 00:15:04.320
228
00:15:04.559 --> 00:15:08.720
229
00:15:08.919 --> 00:15:16.440
230
00:15:17.879 --> 00:15:22.480
231
00:15:22.879 --> 00:15:29.200
232
00:15:29.320 --> 00:15:34.399
233
00:15:34.480 --> 00:15:40.000
234
00:15:40.120 --> 00:15:46.000
235
00:15:46.720 --> 00:15:54.360
236
00:15:54.720 --> 00:15:58.080
237
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238
00:16:04.960 --> 00:16:08.639
239
00:16:08.720 --> 00:16:13.159
240
00:16:13.200 --> 00:16:18.840
241
00:16:18.960 --> 00:16:20.279
242
00:16:20.600 --> 00:16:22.399