Real Era Living Benefits

YOUR PRIVATE CONSULTATION

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 next

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 TIMEZONE

BEFORE WE TALK

What to bring,

and what to skip.

A few minutes of prep makes the call meaningfully more useful. None of it is required — show up empty-handed and we'll still get plenty done.

HELPFUL TO HAVE

Bring along.

✓

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.

—— THE CALL, IN FOUR PARTS

Here's exactly

how the time breaks down.

FIRST 5 MINUTES

Your numbers.

We talk through your income, dependents, debts, existing coverage, and time horizon. No paperwork. Just a conversation.

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.

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.

LAST 5 MINUTES

Your decision.

You take the illustration home. No application is started until you've reviewed it on your own time and 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 No pressure tactics.

If you need a week to think, take a week. If it's not a fit, I'll say so directly.

02 No hidden agenda.

I'm compensated by the carrier when policies are issued — never by you. The consultation is free.

03 No data sharing.

Your information stays with me. It's never sold, never used for third-party marketing, never re-shared.

04 No applications without your say-so.

You'll always have your written illustration in hand before any paperwork begins.

NEED TO REACH ME SOONER?

Direct contact.

PHONE

+1 (757)-291-8281

josie@realeralivingbenefits.com

DIRECT EMAIL

synch8bydesign@gmail.com

HOURS

Mon–Fri · 9am–7pm [EDT]

REPLY TIME

Within 4 hours

YOUR TRUSTED LICENSED AGENT

Josie Rillera

This site is operated by Josie Rillera, 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.