WEBVTT 00:00:00.000 --> 00:00:02.399 Please share your name first, last, where you're 00:00:02.399 --> 00:00:04.940 located and the name of your business. Absolutely. 00:00:04.980 --> 00:00:08.380 My name is Paul Howard Flowers Jr. Paul H. Flowers 00:00:08.380 --> 00:00:11.820 Jr. I use everywhere. I'm currently physically 00:00:11.820 --> 00:00:14.839 located in Utah at the Ascend Conference here. 00:00:15.119 --> 00:00:17.359 10th anniversary. Very, very special. I'm sure 00:00:17.359 --> 00:00:19.480 we'll get into it on the vision. And the name 00:00:19.480 --> 00:00:21.719 of my business is Superior Insurance Advisors. 00:00:21.920 --> 00:00:24.019 Also a three -time bestselling author on Amazon, 00:00:24.260 --> 00:00:26.260 podcast host, all that good stuff, which is why 00:00:26.260 --> 00:00:29.039 I just put that one little. Link down at the 00:00:29.039 --> 00:00:31.559 bottom, paul .health. Find me there. You find 00:00:31.559 --> 00:00:34.759 everything. Sounds good. Thank you so much. So 00:00:34.759 --> 00:00:37.700 I'm sure no one else knows this, but we have 00:00:37.700 --> 00:00:41.799 adjusted some times and days, and I'm super excited 00:00:41.799 --> 00:00:43.780 that you were able to make it to the conference 00:00:43.780 --> 00:00:46.759 and make it here with me. Please do me a favor 00:00:46.759 --> 00:00:49.859 and discuss your business for me. Tell me a little 00:00:49.859 --> 00:00:54.859 bit about it. Absolutely. Absolutely. So the 00:00:54.859 --> 00:00:56.479 best way I can do it is essentially in story. 00:00:56.960 --> 00:00:59.799 There are people right now in America that have 00:00:59.799 --> 00:01:02.840 health plans through their employers. And like 00:01:02.840 --> 00:01:04.840 most of them, they just take essentially what's 00:01:04.840 --> 00:01:06.980 offered. And like most employers, when they work 00:01:06.980 --> 00:01:09.159 with national brokerages, they just trust them 00:01:09.159 --> 00:01:12.140 inherently because big names would never steer 00:01:12.140 --> 00:01:15.200 you away, steer you in the wrong direction, right? 00:01:15.599 --> 00:01:18.760 Well, what we've come to find is there's actually 00:01:18.760 --> 00:01:21.709 a lot of steering going on. but not in the best 00:01:21.709 --> 00:01:23.650 direction for the employers or the employees. 00:01:23.909 --> 00:01:26.390 And I'm talking about the health plans. Most 00:01:26.390 --> 00:01:28.530 employers, aside from the cost where they're 00:01:28.530 --> 00:01:31.450 typically paying anywhere from 20 % to 40 % more 00:01:31.450 --> 00:01:34.510 than they actually could, the quality of care 00:01:34.510 --> 00:01:37.799 is not being delivered. to the employees. So 00:01:37.799 --> 00:01:40.299 we have employees going and get surgeries and 00:01:40.299 --> 00:01:42.439 they're ending up having to go back for complications 00:01:42.439 --> 00:01:45.060 or they're on medications that are the wrong 00:01:45.060 --> 00:01:48.280 medications for them. We see that as a problem 00:01:48.280 --> 00:01:51.280 in America and we're actually working to fix 00:01:51.280 --> 00:01:53.719 it. So with superior insurance advisors, we have 00:01:53.719 --> 00:01:56.079 those conversations with the C -suite to show 00:01:56.079 --> 00:01:57.920 them how they can actually meet more business 00:01:57.920 --> 00:02:01.019 objectives by turning their HR, which is typically 00:02:01.019 --> 00:02:03.680 a call center into a profit center. And that's 00:02:03.680 --> 00:02:06.790 usually done through simple. modifications to 00:02:06.790 --> 00:02:09.830 their health plans. I love that. And I know we 00:02:09.830 --> 00:02:12.689 had a brief discussion last time. I remember 00:02:12.689 --> 00:02:15.550 you speaking about your previous employment of 00:02:15.550 --> 00:02:19.530 profit over health and explaining and being able 00:02:19.530 --> 00:02:23.169 to provide that detail before you decided to 00:02:23.169 --> 00:02:26.469 swipe their credit cards or debit cards. And 00:02:26.469 --> 00:02:29.030 I would love for you to go a little further into 00:02:29.030 --> 00:02:31.810 your background and how you got into this and 00:02:31.810 --> 00:02:34.210 why you're actually where you are now today. 00:02:35.120 --> 00:02:38.319 Certainly. So I started insurance as a profession 00:02:38.319 --> 00:02:42.280 in 2005 with legal insurance. Fast forward, moved 00:02:42.280 --> 00:02:45.000 into life insurance. Didn't necessarily like 00:02:45.000 --> 00:02:47.039 the particular company that I was working with, 00:02:47.060 --> 00:02:50.780 but I love the field. And 2014, found myself 00:02:50.780 --> 00:02:52.639 into health insurance. Now, ironically enough, 00:02:52.800 --> 00:02:55.539 I was confused about purchasing health insurance 00:02:55.539 --> 00:02:58.219 prior to actually going to sell health insurance. 00:02:58.439 --> 00:03:02.379 The irony. Well. I actually have a very short 00:03:02.379 --> 00:03:03.860 learning curve, so I'm thankful for that. Not 00:03:03.860 --> 00:03:05.379 to boast or brag, but I'm just thankful that 00:03:05.379 --> 00:03:07.379 I can pick things up. And because I've come from 00:03:07.379 --> 00:03:09.280 a teaching background, I can give them back in 00:03:09.280 --> 00:03:11.879 a way that's relevant for the person. Well, 2014, 00:03:12.120 --> 00:03:14.419 I started individual health care, and I realized 00:03:14.419 --> 00:03:17.699 something very, very quickly. People didn't know 00:03:17.699 --> 00:03:23.349 what the heck they were buying. With them having 00:03:23.349 --> 00:03:25.969 this lack of knowledge, I'd seen colleagues just 00:03:25.969 --> 00:03:28.530 offering anything and a person take it. I didn't 00:03:28.530 --> 00:03:31.150 like that. So I would actually take longer time, 00:03:31.210 --> 00:03:33.710 and it was noted, I would take considerably longer 00:03:33.710 --> 00:03:36.930 time on my calls, but I would close at a much 00:03:36.930 --> 00:03:39.270 higher percentage. You know, a company goal was 00:03:39.270 --> 00:03:42.789 35. During that one AEP, my first AEP, I think 00:03:42.789 --> 00:03:46.719 I closed at 84 .6%. And they were so... flabbergasted 00:03:46.719 --> 00:03:49.039 at how I was able to do it, that they had reps 00:03:49.039 --> 00:03:51.400 from the actual big blue carrier. I can't say 00:03:51.400 --> 00:03:53.699 the name per se, but the big blue carrier came 00:03:53.699 --> 00:03:56.479 down to actually sit with me and see what it 00:03:56.479 --> 00:03:58.539 is that I was doing. And I told him it was really, 00:03:58.560 --> 00:04:00.060 really simple. Aside from some training that 00:04:00.060 --> 00:04:02.240 I'd had from a personal development standpoint, 00:04:02.240 --> 00:04:05.340 standpoint, shout out to landmark. I was just 00:04:05.340 --> 00:04:08.229 able to. understand and sit with that person. 00:04:08.289 --> 00:04:09.930 Yes, it was virtual. Yes, it was over the phone, 00:04:10.030 --> 00:04:12.969 but I sat with that person. And in the time sitting 00:04:12.969 --> 00:04:14.810 with these people from all across the country, 00:04:14.949 --> 00:04:17.189 I realized they were not being properly educated 00:04:17.189 --> 00:04:20.129 for the most part. Some had a good idea. Most 00:04:20.129 --> 00:04:23.110 had very little idea. And there was a significant 00:04:23.110 --> 00:04:26.529 amount that had no idea. And with that, I realized 00:04:26.529 --> 00:04:28.819 that I wanted to make a difference. in this field. 00:04:28.939 --> 00:04:31.259 So I said, this is where I can have that essentially 00:04:31.259 --> 00:04:33.339 claim to fame. And not that I was looking for 00:04:33.339 --> 00:04:36.319 fame, but it just so happened to rise through 00:04:36.319 --> 00:04:37.920 the ranks. And I rose through the ranks at that 00:04:37.920 --> 00:04:40.439 company from single campaign, single carrier, 00:04:40.680 --> 00:04:43.560 single campaign, well, excuse me, multiple campaigns 00:04:43.560 --> 00:04:47.120 with all of the carriers, 13 states, and then 00:04:47.120 --> 00:04:49.339 manager for that same campaign, then trainer 00:04:49.339 --> 00:04:52.879 for the company. And it was a great run. Honestly, 00:04:53.079 --> 00:04:54.980 they didn't want me to go, but something about 00:04:54.980 --> 00:04:59.399 legal, moral, and ethical. stood out to me. So 00:04:59.399 --> 00:05:02.220 when I realized that what I was asked to do was 00:05:02.220 --> 00:05:05.779 absolutely legal, there was the moral and ethical 00:05:05.779 --> 00:05:09.399 concerns of how the sales were made. So I said, 00:05:09.439 --> 00:05:12.639 you know what? I can't do this. I asked for enough 00:05:12.639 --> 00:05:15.959 changes that were not made. And, you know, sometimes 00:05:15.959 --> 00:05:17.720 you just got to step out on faith. So I took 00:05:17.720 --> 00:05:20.360 that step November 1st, 2017. And effectively 00:05:20.360 --> 00:05:22.600 that's when Superior Insurance Advisors was born. 00:05:22.779 --> 00:05:25.629 Our goal was to educate first. to create empowered 00:05:25.629 --> 00:05:28.350 consumers, and then ultimately to earn their 00:05:28.350 --> 00:05:31.290 trust and gain their business. And that basically 00:05:31.290 --> 00:05:34.430 opened us up to where we are today. I love that. 00:05:34.550 --> 00:05:38.569 Superior insurance advisors. And that's the key 00:05:38.569 --> 00:05:41.670 word to that is advisors, and which is advising 00:05:41.670 --> 00:05:46.509 you on how your focus should go, where you should 00:05:46.509 --> 00:05:49.250 look at. But it sounds to me like it's all by 00:05:49.250 --> 00:05:52.339 building a relationship. And building that relationship 00:05:52.339 --> 00:05:55.860 gains a lot of trust. And that trust means that 00:05:55.860 --> 00:05:59.620 you're advising and advising to a point to where 00:05:59.620 --> 00:06:01.759 they're going to accept something and trust that 00:06:01.759 --> 00:06:04.100 they're accepting the right thing. When someone 00:06:04.100 --> 00:06:07.040 is calling you and they do have questions, what 00:06:07.040 --> 00:06:10.180 are your typical questions that one is asking 00:06:10.180 --> 00:06:14.410 or that really has no clue about? Certainly. 00:06:14.730 --> 00:06:17.050 So now that I've done more of a transition into 00:06:17.050 --> 00:06:19.410 the employer space and the group space, I'll 00:06:19.410 --> 00:06:21.990 touch on both relatively briefly. I literally, 00:06:22.110 --> 00:06:23.829 while I was sitting in convention, had a partner 00:06:23.829 --> 00:06:25.870 reach out to me and say, hey, you do individual 00:06:25.870 --> 00:06:27.269 health still, right? I said, sure. You know, 00:06:27.290 --> 00:06:29.370 it's not the thing that I personally profess, 00:06:29.529 --> 00:06:32.089 but I do and will do an individual health plan. 00:06:33.819 --> 00:06:35.560 The biggest questions that we have are, can I 00:06:35.560 --> 00:06:38.139 actually get coverage that covers X, Y, and Z? 00:06:38.459 --> 00:06:40.939 Well, because of a significant amount of legal 00:06:40.939 --> 00:06:43.120 and bureaucratic changes, I won't go into that 00:06:43.120 --> 00:06:46.899 rabbit hole. The options are relatively limited 00:06:46.899 --> 00:06:50.399 versus a time where they were very robust on 00:06:50.399 --> 00:06:53.519 the individual market. So again, I'll put a feather 00:06:53.519 --> 00:06:56.410 in that hat and just say. Thank you for all of 00:06:56.410 --> 00:06:58.829 our various political regimes for making that 00:06:58.829 --> 00:07:01.470 market so much more challenging to not only earn 00:07:01.470 --> 00:07:03.569 a living, but more importantly, to serve the 00:07:03.569 --> 00:07:07.410 community. I digress. Transition. The group market, 00:07:07.509 --> 00:07:10.329 the employee benefit space, that one, it's a 00:07:10.329 --> 00:07:12.990 little bit more challenging when it comes to 00:07:12.990 --> 00:07:16.069 breaking the status quo. And what I mean by that 00:07:16.069 --> 00:07:18.769 is that these big behemoths, and I'll just put 00:07:18.769 --> 00:07:20.850 it out there, we call them the BUCAs, B -U -C 00:07:20.850 --> 00:07:24.160 -A stands for Blue Cross, United, Cigna, Aetna. 00:07:24.220 --> 00:07:26.620 It's the acronym that we use internally. The 00:07:26.620 --> 00:07:28.660 Bucas have billions of dollars in marketing, 00:07:28.819 --> 00:07:31.579 which I'm not against marketing. They have billions 00:07:31.579 --> 00:07:35.199 of dollars in stock value and market cap. Again, 00:07:35.339 --> 00:07:37.920 not against that. I'm also a capitalist by heart. 00:07:38.019 --> 00:07:41.680 But what I realize is that the care that they 00:07:41.680 --> 00:07:44.660 receive, the clients of these. Plans that is 00:07:44.660 --> 00:07:46.819 on a group level, the care that they receive 00:07:46.819 --> 00:07:50.160 isn't always focused on the highest quality or 00:07:50.160 --> 00:07:54.319 the lowest cost to the employer or the employee. 00:07:54.779 --> 00:07:56.980 So in the conversations I have with the C -suite 00:07:56.980 --> 00:07:59.560 today, one that I just had on Wednesday with 00:07:59.560 --> 00:08:02.319 the CFO and CHO, excuse me, Tuesday, CHO and 00:08:02.319 --> 00:08:06.600 CFO of the company were, why are my plan? Why 00:08:06.600 --> 00:08:10.500 is my plan? costing a million dollars more, right? 00:08:10.540 --> 00:08:11.779 Because there's a thing called self -funded, 00:08:11.800 --> 00:08:14.680 which we absolutely advocate for, but with cost 00:08:14.680 --> 00:08:17.819 containment mechanisms in place. They said, why 00:08:17.819 --> 00:08:21.339 is my plan a million dollars more than it was 00:08:21.339 --> 00:08:25.060 this time last year? So to put that in perspective, 00:08:25.300 --> 00:08:28.879 by May, they were spending a million dollars 00:08:28.879 --> 00:08:32.240 more for the healthcare than they were the previous 00:08:32.240 --> 00:08:36.659 year. And there were only two high -cost claimants, 00:08:36.679 --> 00:08:39.659 meaning individuals inside the company, and one 00:08:39.659 --> 00:08:42.299 had a repeat claim. But that still shouldn't 00:08:42.299 --> 00:08:45.059 have justified a million dollars more. Well, 00:08:45.200 --> 00:08:48.419 when you come to places like Ascend and connect 00:08:48.419 --> 00:08:51.500 with next -gen advisors, you learn a little something 00:08:51.500 --> 00:08:54.559 about the industry and the right questions that 00:08:54.559 --> 00:08:57.580 an employer should be asking their broker, because 00:08:57.580 --> 00:08:59.340 they're typically using brokers, not advisors, 00:08:59.559 --> 00:09:02.799 on how to navigate this healthcare system. And 00:09:02.799 --> 00:09:05.919 just a couple of those questions are, In terms 00:09:05.919 --> 00:09:10.039 of cost containment, how are you going to ensure 00:09:10.039 --> 00:09:13.379 that if there are large claims on the horizon, 00:09:13.559 --> 00:09:16.639 that A, we know about them, and B, we can reduce 00:09:16.639 --> 00:09:22.100 that cost to the plan as much as possible? Those 00:09:22.100 --> 00:09:24.379 are known as what's called shock claims, because 00:09:24.379 --> 00:09:26.720 it's literally a shock to an otherwise steady 00:09:26.720 --> 00:09:30.039 motion that goes throughout the year. And that 00:09:30.039 --> 00:09:34.000 question is so overlooked. buy national brokerages. 00:09:34.019 --> 00:09:38.659 And I'll share a quick story if I may. So I did 00:09:38.659 --> 00:09:41.539 make that transition from individual to the small 00:09:41.539 --> 00:09:44.059 business and ultimately the mid -market a few 00:09:44.059 --> 00:09:47.240 years ago. And I worked with a national carrier 00:09:47.240 --> 00:09:52.259 and they were great at what they did from a profit 00:09:52.259 --> 00:09:57.100 standpoint and from a legal standpoint. But boy, 00:09:57.179 --> 00:09:59.659 that pesky moral and ethical piece just kept 00:09:59.659 --> 00:10:03.629 bugging me. So ironically enough, The one of 00:10:03.629 --> 00:10:06.450 the first meetings that I remember having was 00:10:06.450 --> 00:10:09.669 where we sat in a room and I was a month or two 00:10:09.669 --> 00:10:11.529 in. I'd gotten a really good offer to come on 00:10:11.529 --> 00:10:13.750 board with them, sell my book of business and 00:10:13.750 --> 00:10:16.090 partner with them. So I said, OK, nice to partner 00:10:16.090 --> 00:10:18.809 with the national brokerage and have that backbone, 00:10:19.009 --> 00:10:20.750 you know, billion dollar backbone and all that. 00:10:21.470 --> 00:10:24.029 But within my first month, month and a half, 00:10:24.129 --> 00:10:27.610 even. We sit in a room. And a gentleman from 00:10:27.610 --> 00:10:30.389 one of the national carriers comes in. They just 00:10:30.389 --> 00:10:33.889 so happen to have the same color scheme as, you 00:10:33.889 --> 00:10:37.070 know, our lovely background here. And what I 00:10:37.070 --> 00:10:40.529 saw just absolutely left me with more questions 00:10:40.529 --> 00:10:43.629 than answers and ultimately with my jaw down. 00:10:43.970 --> 00:10:46.809 What I saw was a gentleman coming in. He puts 00:10:46.809 --> 00:10:49.690 their book of business up on the screen. And 00:10:49.690 --> 00:10:52.879 instead of talking about the health. of any of 00:10:52.879 --> 00:10:56.259 the clients as a reason and a justification for 00:10:56.259 --> 00:11:01.879 why they were having 11, 12, 15, 22, 26 % increases 00:11:01.879 --> 00:11:04.940 on their renewals, the conversation was around, 00:11:05.120 --> 00:11:08.120 well, this company had a good year financially. 00:11:08.179 --> 00:11:10.980 They can take a few more points. This one, they 00:11:10.980 --> 00:11:12.500 didn't have a really good year, so you might 00:11:12.500 --> 00:11:14.080 not want to give them that big of an increase. 00:11:14.639 --> 00:11:16.480 Well, you know what? I like this guy, and this 00:11:16.480 --> 00:11:18.100 is actually a really good friend of mine. So 00:11:18.100 --> 00:11:20.600 can we bring him down about 2%, maybe 3 %? And 00:11:20.600 --> 00:11:22.279 I'll, you know, make sure we get a few more next 00:11:22.279 --> 00:11:24.639 year. This person said if they have any more 00:11:24.639 --> 00:11:26.740 increase, they're going to go to another carrier. 00:11:26.799 --> 00:11:29.179 So we need to keep them flat, if not a decrease 00:11:29.179 --> 00:11:31.700 in premium. And as I'm sitting there in the back, 00:11:32.259 --> 00:11:34.500 Javon, I'm like a fly on the wall. I'm like, 00:11:34.539 --> 00:11:37.259 wait a second. Nobody's talking about health. 00:11:38.600 --> 00:11:42.600 There wasn't one. conversation about the health 00:11:42.600 --> 00:11:48.740 of the members on the plan. And I said, oh, I 00:11:48.740 --> 00:11:53.159 get it now. And what I got in that moment was 00:11:53.159 --> 00:11:56.500 really one of the pivotal points in my life and 00:11:56.500 --> 00:11:59.679 ultimately in my career where now I'm not on 00:11:59.679 --> 00:12:02.720 a crusade against these companies that operate 00:12:02.720 --> 00:12:06.460 like this per se. I am on a mission to educate 00:12:06.460 --> 00:12:10.389 and empower. both employers and employees with 00:12:10.389 --> 00:12:12.809 the right information so that they can have the, 00:12:12.870 --> 00:12:15.649 if not skill set, it's not about them being a 00:12:15.649 --> 00:12:18.490 skillful healthcare navigator per se, but at 00:12:18.490 --> 00:12:20.190 least knowing that there are other tools to achieve 00:12:20.190 --> 00:12:22.809 the same result and at least a mindset that's 00:12:22.809 --> 00:12:25.850 open enough to say, hey, I can actually get this 00:12:25.850 --> 00:12:27.809 for a lower cost. I can actually have a higher 00:12:27.809 --> 00:12:31.330 quality outcome if I'm only open to just not 00:12:31.330 --> 00:12:33.730 being marketed to, but actually understanding 00:12:33.730 --> 00:12:36.289 a bit about what this is that I'm utilizing. 00:12:36.990 --> 00:12:40.289 to essentially keep my health intact. Absolutely. 00:12:40.590 --> 00:12:43.909 And interestingly enough, it sounds like you're 00:12:43.909 --> 00:12:46.669 on the other end, empowering the companies to 00:12:46.669 --> 00:12:51.950 make a better decision, not for themselves, but 00:12:51.950 --> 00:12:55.889 their employees. And as you were listening, it 00:12:55.889 --> 00:12:58.919 was just based off of... financial relationships 00:12:58.919 --> 00:13:03.460 rather than yes. Yes. And I don't know, it's 00:13:03.460 --> 00:13:06.460 so interesting, you know, being 46, being in 00:13:06.460 --> 00:13:09.960 the work field, you know, since I was 16 and 00:13:09.960 --> 00:13:13.940 having those, hey, do you want health care insurance? 00:13:14.559 --> 00:13:16.799 OK, then you'll pay about a thousand dollars 00:13:16.799 --> 00:13:18.980 a month because you have such and such children. 00:13:19.340 --> 00:13:22.039 And, you know, it was just all this confusion. 00:13:22.120 --> 00:13:24.440 And I still believe there is some, as I mentioned 00:13:24.440 --> 00:13:27.970 before, I have a 30 year old who. cannot even 00:13:27.970 --> 00:13:31.289 explain what she's purchasing where we have to 00:13:31.289 --> 00:13:33.789 have that conversation rather than her employer 00:13:33.789 --> 00:13:37.470 to tell her what she's purchasing. So I can definitely 00:13:37.470 --> 00:13:41.620 see that. And as it comes as a shock to me. As 00:13:41.620 --> 00:13:44.659 an employee, you do think that you're making 00:13:44.659 --> 00:13:48.039 the best decision for your health and your family, 00:13:48.179 --> 00:13:51.440 whereas the company can be taken advantage of 00:13:51.440 --> 00:13:55.379 as well. And it seems like sometimes we're all 00:13:55.379 --> 00:13:58.440 in the same boat sometimes. Absolutely. When 00:13:58.440 --> 00:14:01.179 you decided to do all of this, Paul, and you 00:14:01.179 --> 00:14:04.139 decided to change your direction, create great 00:14:04.139 --> 00:14:06.960 relationships with C -Suite and some individuals, 00:14:07.320 --> 00:14:12.480 tell me about your vision. What I envision in 00:14:12.480 --> 00:14:15.139 the short term, and when I say short term, I'm 00:14:15.139 --> 00:14:18.240 looking at the next really about three to five 00:14:18.240 --> 00:14:21.580 years, is helping my community, typically starting 00:14:21.580 --> 00:14:24.340 off in the northwest Indiana area where I'm located. 00:14:24.519 --> 00:14:26.419 Again, I'm from the city of Chicago, just recently 00:14:26.419 --> 00:14:29.360 moved to northwest Indiana, but helping the business 00:14:29.360 --> 00:14:33.710 owners, the civic organizations. the political 00:14:33.710 --> 00:14:36.409 organizations to understand at a baseline what 00:14:36.409 --> 00:14:39.669 they have and where it can be. With the ultimate 00:14:39.669 --> 00:14:42.190 goal of, from a financial standpoint, putting 00:14:42.190 --> 00:14:44.149 about $10 billion, and that's billion with a 00:14:44.149 --> 00:14:47.129 B, dollars back into the small to mid -sized 00:14:47.129 --> 00:14:49.289 business marketplace. And it's not just about 00:14:49.289 --> 00:14:50.990 putting money into the business through making 00:14:50.990 --> 00:14:53.350 these modifications. It's about the employees 00:14:53.350 --> 00:14:56.009 that will have those dollars in their pockets. 00:14:56.649 --> 00:14:59.110 OK, this is more money that people can use for 00:14:59.110 --> 00:15:01.269 groceries. This is more money that people can 00:15:01.269 --> 00:15:03.590 use for gym memberships if they choose. This 00:15:03.590 --> 00:15:06.029 is more resources that are provided and that 00:15:06.029 --> 00:15:09.029 are available for the everyday person that they 00:15:09.029 --> 00:15:11.350 don't realize is being siphoned away from them 00:15:11.350 --> 00:15:13.490 because of. And I'll just say it with again, 00:15:13.649 --> 00:15:16.490 I don't mean any offense, but uneducated choices 00:15:16.490 --> 00:15:18.470 by the people that are putting their benefit 00:15:18.470 --> 00:15:21.750 plans in place. It's gone on long enough. There 00:15:21.750 --> 00:15:23.809 have been things that have happened from a very. 00:15:24.269 --> 00:15:26.789 very notable standpoint, and again, rest in peace 00:15:26.789 --> 00:15:30.490 to our former CEO of UnitedHealthcare, that these 00:15:30.490 --> 00:15:33.909 are the beginnings of people that are absolutely 00:15:33.909 --> 00:15:36.809 ready for change, right? That's just one instance, 00:15:37.029 --> 00:15:39.350 and there are others that are out there, others 00:15:39.350 --> 00:15:41.950 that are likely looming when it comes to people 00:15:41.950 --> 00:15:44.210 getting upset with the system. So we're taking 00:15:44.210 --> 00:15:46.419 a stand. We're making a change there. I'd also 00:15:46.419 --> 00:15:49.580 founded a nonprofit, 501c3, which is Life, Health, 00:15:49.620 --> 00:15:52.159 and Legal Education Partners. Through that nonprofit, 00:15:52.399 --> 00:15:54.580 I'd actually published those three books that 00:15:54.580 --> 00:15:57.139 I'd shared about, again, all on Amazon. You can 00:15:57.139 --> 00:16:00.419 search Paul H. Flowers Jr. All of them hit bestseller 00:16:00.419 --> 00:16:02.799 within a matter of weeks, strangely enough. And 00:16:02.799 --> 00:16:04.799 that says something to me about the marketplace, 00:16:05.080 --> 00:16:08.080 right? When a relatively unknown author can come 00:16:08.080 --> 00:16:10.860 into the marketplace. and have books on a topic 00:16:10.860 --> 00:16:14.379 that people talk about on a regular basis. You 00:16:14.379 --> 00:16:16.840 can't have a 30 - or 45 -minute conversation 00:16:16.840 --> 00:16:19.559 catching up and talking about life without some 00:16:19.559 --> 00:16:22.899 sort of health issue or physical concern arising 00:16:22.899 --> 00:16:26.440 in that conversation. And for that, I say again, 00:16:26.539 --> 00:16:29.679 what we do is amazingly important. So the vision 00:16:29.679 --> 00:16:32.970 is to, again, educate and empower first at the 00:16:32.970 --> 00:16:34.629 employer level, because that allows me to reach 00:16:34.629 --> 00:16:37.370 the masses of employees. And ideally from that 00:16:37.370 --> 00:16:39.730 relationship with the employer and those employees, 00:16:39.909 --> 00:16:42.250 we move out into the communities through the 00:16:42.250 --> 00:16:44.929 nonprofit side and being able to put this information 00:16:44.929 --> 00:16:48.210 into the homes of Americans, again, from California, 00:16:48.549 --> 00:16:51.690 Oregon, and Washington, down to Texas, over to 00:16:51.690 --> 00:16:54.529 Florida, up to New York and Maine and Delaware 00:16:54.529 --> 00:16:58.830 and every state in between. Thank you so much. 00:16:59.129 --> 00:17:01.429 It's so fun. I'm just going to say this, Paul, 00:17:01.490 --> 00:17:07.109 you sound like a radio meditation type of person 00:17:07.109 --> 00:17:11.009 where you make such a subject that's near and 00:17:11.009 --> 00:17:13.990 dear to a lot of people's heart seem to be okay, 00:17:14.170 --> 00:17:17.849 right? Because you're now advising the employers, 00:17:18.009 --> 00:17:20.630 the bigger set, the umbrella of everything to 00:17:20.630 --> 00:17:24.430 be able to rain upon their own employees. education 00:17:24.430 --> 00:17:29.390 and knowledge and access to what some people 00:17:29.390 --> 00:17:31.589 actually say, I don't even want, just forget 00:17:31.589 --> 00:17:35.730 it. I can't spend my entire check on my healthcare 00:17:35.730 --> 00:17:39.029 where I can't take care of my family. So I truly 00:17:39.029 --> 00:17:42.109 appreciate it. I do remember that on your website, 00:17:42.210 --> 00:17:44.750 you also have some things that can help educate 00:17:44.750 --> 00:17:47.509 people. Would you mind sharing your website and 00:17:47.509 --> 00:17:50.849 any social media handles before we exit? Certainly, 00:17:50.970 --> 00:17:53.309 my website and the best way to connect with me 00:17:53.309 --> 00:17:57.069 ultimately right here, www .paul .health. I like 00:17:57.069 --> 00:17:59.430 that Streamer allows you to kind of point at 00:17:59.430 --> 00:18:00.829 the things that are on screen. I might have to 00:18:00.829 --> 00:18:03.349 switch my podcast up, but that'll give you the 00:18:03.349 --> 00:18:06.890 links to the books from an education standpoint, 00:18:07.230 --> 00:18:10.509 some reviews and things like that from my trainings. 00:18:10.529 --> 00:18:14.930 Again, I still ultimately work to pay bills as 00:18:14.930 --> 00:18:17.170 well, so I like to see people that trust positive 00:18:17.170 --> 00:18:19.420 reviews from my company. And there's also my 00:18:19.420 --> 00:18:21.940 podcast where I do a lot of informing and educating 00:18:21.940 --> 00:18:24.039 as well. And I actually had a lot of guests on 00:18:24.039 --> 00:18:26.900 in the first three seasons, which third seasons 00:18:26.900 --> 00:18:29.380 and post -production now going to launch a solo 00:18:29.380 --> 00:18:32.000 season soon to focus strictly on some of the 00:18:32.000 --> 00:18:34.019 educational things that are about building oneself 00:18:34.019 --> 00:18:36.980 and building them up, not just from an insurance 00:18:36.980 --> 00:18:39.680 standpoint, but as a human being. And I'll talk 00:18:39.680 --> 00:18:42.059 about my fourth book. Just give a little sneak 00:18:42.059 --> 00:18:44.859 peek that there are 12 things that will absolutely 00:18:44.859 --> 00:18:47.160 help you to get paid for the rest of your entire 00:18:47.160 --> 00:18:50.000 life. And I'll share all of those 12 again through 00:18:50.000 --> 00:18:53.359 my podcast. In terms of getting in contact with 00:18:53.359 --> 00:18:55.680 me, there's also a link on there that takes you 00:18:55.680 --> 00:18:58.299 to my LinkedIn page, which the LinkedIn page 00:18:58.299 --> 00:19:02.579 is actually the same link as virtually everything 00:19:02.579 --> 00:19:07.690 else, the same handle, Paul H. Flowers Jr. Paul 00:19:07.690 --> 00:19:10.789 H. Flowers Jr. If you type it into Google, there'll 00:19:10.789 --> 00:19:12.769 be some stuff that'll come up. If you type it 00:19:12.769 --> 00:19:16.539 into Facebook, YouTube. Instagram, right? There'll 00:19:16.539 --> 00:19:18.839 be some stuff that come up. LinkedIn is, again, 00:19:18.880 --> 00:19:21.119 where I'm most active. So I would love for your 00:19:21.119 --> 00:19:23.640 listeners to connect with me there and keep a 00:19:23.640 --> 00:19:25.460 lookout because I'll also make a lot of introductions 00:19:25.460 --> 00:19:27.660 to our partners that are out here, the other 00:19:27.660 --> 00:19:29.960 healthcare heroes, as I like to call them, that 00:19:29.960 --> 00:19:32.200 are standing for each and every one of your listeners 00:19:32.200 --> 00:19:34.460 that are here in the States and even those that 00:19:34.460 --> 00:19:36.680 come abroad that utilize travel coverages and 00:19:36.680 --> 00:19:38.819 things like that as well. We're here to serve. 00:19:39.059 --> 00:19:40.900 We're here to make a difference. And again, I 00:19:40.900 --> 00:19:43.440 look forward to being able to do that, not just 00:19:43.440 --> 00:19:45.690 here in this moment. moment, but for years to 00:19:45.690 --> 00:19:47.769 come. So I'm truly grateful for the opportunity 00:19:47.769 --> 00:19:50.289 to be here on Vision Pros with you, Javanka. 00:19:50.630 --> 00:19:52.890 And again, thank you to your listeners for having 00:19:52.890 --> 00:19:55.240 me as well. Thank you for being here today. I'm 00:19:55.240 --> 00:19:56.960 really happy that you tuned in to Vision Pros 00:19:56.960 --> 00:19:59.940 Live. I'm looking forward to seeing your reactions 00:19:59.940 --> 00:20:02.559 as these episodes continue to move forward. This 00:20:02.559 --> 00:20:04.460 is going to get more and more fun. We'll have 00:20:04.460 --> 00:20:06.279 more and more engagement as well. We'll invite 00:20:06.279 --> 00:20:08.680 people to participate in the show. And thank 00:20:08.680 --> 00:20:10.680 you for giving us your time and attention. Have 00:20:10.680 --> 00:20:13.339 an excellent time building out your vision and 00:20:13.339 --> 00:20:14.400 becoming a vision pro yourself.