YOUR PRIVATE CONSULATATION
Pick a time.
I'll bring the rest.
Thirty minutes. By phone or video — your choice. We'll talk through your numbers, run a personalized illustration if it's a fit, and give you an honest assessment. You leave with everything you need to decide on your own time.
30 minutes
Most calls run 25–35 minutes. We'll respect your calendar.
Phone or video
Default is phone. If you prefer video, just note that on the booking form.
This week or nest week
New slots open every Sunday for the following two weeks.
No commitment
No application is started until you've reviewed your illustration on your own time.
CHOOSE A TIME
TIME SHOWN IN YOUR TIME ZONE
Calendar goes here
Pick a time.
BEFORE WE TALK
What to bring,
and what to skip.
Thirty minutes. By phone or video — your choice. We'll talk through your numbers, run a personalized illustration if it's a fit, and give you an honest assessment. You leave with everything you need to decide on your own time.
BEFORE WE TALK
No commitment
A rough sense of your annual income and any major debts (mortgage, etc.).
A list of who depends on your income — spouse, kids, parents, partners.
Any existing life insurance details — group policy, individual term, or both.
One or two questions you've been chewing on. Specific ones are best.
A quiet 30 minutes where you can take notes if you want to.
DON'T BOTHER
Skip the homework.
You don't need to research IUL, whole life, or other products beforehand.
You don't need exact numbers — round figures are perfectly fine.
You don't need a financial plan, will, or trust documents in hand.
You don't need to know what coverage amount you want.
You don't need to feel ready to buy. Most clients aren't on the first call.
BEFORE WE TALK
What to bring,
and what to skip.
Thirty minutes. By phone or video — your choice. We'll talk through your numbers, run a personalized illustration if it's a fit, and give you an honest assessment. You leave with everything you need to decide on your own time.
01
FIRST 5 MINUTES
Your numbers.
We talk through your income, dependents, debts, existing coverage, and time horizon. No paperwork. Just a conversation.
02
NEXT 10 MINUTES
The fit check.
I'll show you whether this strategy solves your situation — or whether term, whole life, or another product fits better. Honest answer either way.
03
NEXT 10 MINUTES
The illustration.
If the product fits, I'll run a personalized illustration showing premium, death benefit, projected cash value, and living benefits — in low, mid, and high scenarios.
04
LAST 5 MINUTES
Your decision.
You learned the strategies and why this isn't just life insurance. We apply for you to qualify, not everyone gets qualified. No application is started until you confirmed you want to move forward.
A FEW PROMISES
No surprises.
Ever.
Three decades of practice has taught me one thing above everything else: trust is earned in small ways, on the first call. Here's what that means for you.
01
30 minutes
Most calls run 25–35 minutes. We'll respect your calendar.
02
Phone or video
Default is phone. If you prefer video, just note that on the booking form.
03
This week or nest week
New slots open every Sunday for the following two weeks.
04
No commitment
No application is started until you've reviewed your illustration on your own time.
NEED TO REACH ME SOONER?
Direct contact.
PHONE
+1 (757) 291.8281
josie@realeralivingbenefits.com
DIRECT EMAIL
synch8bydesign@gmail.com
HOURS
Fri Mon–Fri · 9am–7pm [EDT]
REPLY TIME
Within 4 hours
YOUR LICENSED AGENT
Josie Rillera
This site is operated by [ Your Name ], an independent licensed life insurance agent. Information presented here is for educational purposes only and is not a recommendation, offer, or solicitation to buy any specific insurance product. Specific product features, rider availability, and rates depend on the carrier and your state of residence.
This is a solicitation of insurance. A licensed agent may contact you. Indexed universal life insurance is not available in all states. Guarantees are dependent upon the claims-paying ability of the issuing company. Please consult a qualified tax professional regarding your individual situation.
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