Episode 67 - Past

Episode 68 - Present

Episode 69 - Future

https://tinyurl.com/mr45sste

Winslow 1 of 3

Adrian Schermer    00:02

Hello future millionaires and welcome back to the get rich slow podcast. We're your hosts, Adrian Schermer, Rob Delavan and substitute today Ashley Whaley, subbing in for Lance Johnson, good morning, Ashley.

Ashley Whaley   00:15

Good morning, thanks for having me. Good morning, Robin.

Robert Delavan   00:18

Nice to have you here, Adrian as always.

Adrian Schermer    00:22

And you can find us online on Apple podcasts, Spotify, Audible, Amazon music, YouTube and Stitcher, among other streaming platforms. Today, we're going to be starting episode one of three. We're going to do a three part series with Cathy Winslow. Cathy works with Globe Life family heritage division and hey, Cathy, how are you doing today?

Cathy Winslow   00:44

Good, how are you?

Adrian Schermer    00:46

Good, Cathy, we are looking forward to this. This will be fun.

Cathy Winslow   00:49

Appreciate it.

Ashley Whaley   00:50

Hey, Cathy!

Cathy Winslow   00:51

Hey

Adrian Schermer    00:52

Cathy helps project individuals and families financially when their lives are turned upside down by a cancer diagnosis, accidental injury, heart attack, stroke or an ICU stay. So, we're all about get rich, slow here. But as much as getting rich, slow is important, protecting that wealth and protecting your position when something hits the fan is of equal importance. So we want to get into that and learn about what made you into the person you are today, Cathy.

Robert Delavan   01:22

This will be fun and for those of you that are watching the actual PowerPoint here, presentation, you can see her entire family, where was this again Cathy?

Cathy Winslow   01:35

Disney World

Robert Delavan   01:36

Disney World and I assume is that rare rabbit on the front? [Inaudible 01:50]

Adrian Schermer    01:51

Splash Mountain, I went every summer when I was a kid. So okay, every winter break actually. Lucky me, you got a resident expert.

Cathy Winslow   02:00

That was right at the point where it's like, oh my God; they just sprayed a whole bunch of water on us.

Robert Delavan   02:08

And I like it with Javi they're holding his camera trying to get a video. Hopefully it didn't ruin his phone

Cathy Winslow   02:14

It didn't but it was funny.

Ashley Whaley   02:21

These are really fun, these book recommendations. I know you guys just started putting these into your guy’s podcast. But Cathy, thank you for sharing this book recommendation. I am a believer that Leaders are readers. So do you want to give a little recap on the integrity of selling for the 21st century by Ron Willingham?

Cathy Winslow   02:44

Yes, so I recommended this book because years ago, one of the jobs I had, sales jobs I had, that was how they they trained us with this book as a guide and so it just breaks down the selling process and makes it more of a, like it says how to sell the way people want to buy instead of pushing products on people, you actually have conversations, you get to know them find out what their needs are and where the hot points are and then slowly but surely get the sale that way by getting to know and building relationships with people.

Robert Delavan   03:22

So are you saying that the old way of cold calls and shoving things down people's throat that they don't want is maybe not as effective?

Cathy Winslow   03:32

Not at all

Robert Delavan   03:34

Novel Idea, hey, Adrian, how is it when you say you need a mortgage?

Adrian Schermer    03:43

Hey, you, buy a house. There's no cold call. It's just people calling being like, hey, I want to scam you for money, just skip the whole, like actually give you something in return part...

Ashley Whaley   03:59

Or they send you a recording

Robert Delavan   04:01

Yeah, exactly well, I mean, of course, my car warranties are hopelessly out of date.

Ashley Whaley   04:06

Yeah, mine too

Robert Delavan   04:08

Even though they're new cars, but anyway, thank you for the recommendation. Okay, so question one, Cathy; give us a little bit of your background, where did you grow up?

Cathy Winslow   04:26

Okay, this will be an easy one. I grew up in Eugene, Oregon. North Eugene area and I grew up in the same house that my parents, my parents moved, two weeks after they moved there, they had me and literally, I had lived there my whole life. So you know, until I flew the coop.

Robert Delavan   04:47

Until they didn't let the door hit you on the way and yeah, family siblings, that sort of thing, what did that look like?

Cathy Winslow   04:59

So, I grew up in a family with four kids, my brother being the oldest than myself and my sister and then we were all a year apart and then seven years later, we had a little sister. So four of us, six in the family.

Robert Delavan   05:15

And she grew up with a very different upbringing then the other three, right?

Cathy Winslow   05:20

Yes, absolutely.

Robert Delavan   05:23

Isn't it always how that works? The youngest one always gets like the good stuff and the older ones always get the hand me downs.

Ashley Whaley   05:31

Mom and Dad are tired by then, they are like yes...

Cathy Winslow   05:36

My mom was [Inaudible 05:36] the first three of us and right, yeah, so, but then the oldest girl so I never had Tammy down so my sisters did.

Robert Delavan   05:48

That’s the one benefit of being though and was you a bit of a mother for the younger ones or who did that, did that dynamic develop or no?

Cathy Winslow   06:00

Yeah for our little sister, the one that's you're younger than me. We're just like best friends growing up. We shared a room our life. The younger sister got her own room. But it's cool we're still really close. So that was good.

Adrian Schermer    06:21

Cathy, what was your childhood like?

Cathy Winslow   06:24

Sorry, my earplugs, were doing something funky so this and because I wrote it all out, because I'm trying to remember with so far, so long, soon enough, you'll find out that my left ear pod isn't working right now. Okay, so pretty much I have what I consider a normal childhood. I already told you about my siblings. My family, my dad was a farmer. He grew blackberries and wheat, the fields. We grew up in the north Eugene area and then the fields were like 20 minutes away in Junction City and so had those and then during the fall, he ran a nut dryer that was at my, his parents, my grandparents’ house at Eugene and so yeah...

Robert Delavan   07:19

Hold on, a nut dryer, like, you pick like hazelnuts and then dry them type thing or...

Cathy Winslow   07:26

So yeah, the farmers bring all from all around, they bring their walnuts and filberts and even plums to be dried into prunes. But you have to pull the moisture out of the nuts before you can sell them and so that's what they did. They brought him in and they're in these huge big bins and I mean, it was a big operation.

Robert Delavan   07:51

Does he still do that?

Cathy Winslow   07:56

He passed away in 2003.

Robert Delavan   08:00

I mean, that sounds like quite an operation.

Cathy Winslow   08:04

And the biggest operation was his, this is my maiden name, burner, excuse me Burner. So Burner Berry Farms, as it was called. So the blackberries were the main business. Yeah, so I mean, we were working since I mean, I think I was 10 when we started working in the berry fields and we had these huge, a couple of berry picking machines. So those were for the more mature fields, the younger fields, we had to pick by hand and so by the time we were able to work on what we call the picker, we were making five bucks an hour, while the minimum wage back then was 265 an hour. So our friends were making that, working in fast food and we thought we hit the jackpot.

Adrian Schermer    08:56

Oh, they're paid by the flat, right. So the faster you can work, the more you can make?

Cathy Winslow   09:01

Yeah, well, so when we picked by hand, there were buckets, but then the buckets will go into flats. Yep and oh my god, I remember when I first started, it was like 40 cents of bucket and I picked like four buckets in a day and then my dad hired a crew and of Hispanic people, that people who were Hispanic descent and they were such hard workers and they were just like, picking, I mean, they were fast.

Robert Delavan   09:32

[Inaudible 09:31] I could see maybe the motivation is a little different for the kids. So it's interesting that this comes up. We've actually interviewed in some other episodes. Just in the last few months, we've interviewed multiple folks that actually grew up in the farming community and obviously, that's not where you're at today. I mean, obviously, there are a lot of hard work and discipline and work ethic that goes into that maybe outside of the berry fights. Is that a common theme for you?

Cathy Winslow   10:19

For as far as...

Robert Delavan   10:22

You're working, like you're working in a young age?

Cathy Winslow   10:26

Yeah, we pretty much I mean, we worked and we had to use the money to buy our own school clothes, most of them things like that. So yeah, we were taught early on the value of hard work. And, being humble and things like that. My dad was a really good boss, but we teased him a lot and he was a good entrepreneur, he was very shrewd and just taught us that, he always say, what do you think we're made of money? You need to work hard to be street smart. You know, he's given us in the past. But we tried to make it fun. But we're like us, you know, the socks were going in the fields. But it actually I'm glad we have that experience, because it teaches you to really appreciate what you have.

Robert Delavan   11:14

That's a big deal, there's some huge value there.

Cathy Winslow   11:19

So, anyway, okay.

Ashley Whaley   11:26

Question three, Cathy, thank you so much for being here, I just so enjoyed getting to know you and your story and it's so cool that you have that farmer's daughter work ethic in you because I remember friends growing up, that grew up on the farm and it was like, they always had money. Like all my friends that grew up on the farm always had money, worked really hard all the time. So it's really cool to see how that transitioned into your work ethic now. So thank you so much for just sharing that kind of brains snapshot of, of what your childhood was like. So what is a significant story that has made an impact on your life?

Cathy Winslow   12:10

So I actually have two things that happened in my life that really made a huge impact and so I was thinking, shall I go on with these two stories because they might take a little while but I guess I will. The first event that really made an impact on my life and my career was in May of 91. I was working for a company; I've been in sales my whole life. So I was working for a box chocolate company, Russell Stover. And, went from sales rep to key accounts rep and I was up in Seattle at the time to that's what blew me up there and it was about the company about a year and a half got promoted to district manager and they're only 16 DMs in the whole country and so I was in charge of nine reps within six states and so right around the time when I was going to start training after being promoted, I needed to fly to Kansas City, Missouri that's sort of based out of and but I've been seeing, I've been waking up and seeing double vision and also feeling numbness in my feet and legs. What the heck, I've never had visual; I've never had glasses or anything.

So by the time I got there, I was seeing double 24/7 and I was talking about it to a co-worker and the vice president of sales was in there training us and he's like, what, what's going on? Hey, we need to get you to the emergency room right away. Like, okay, I'm in this strange city and I go there and so in the ER, the doc that had a CAT scan and they suggested okay, we should probably fly back to Seattle and have more tests done and so I flew back and bottom line long story short, is that they did MRIs and everything turned out I was diagnosed with MS sclerosis and I was like, I never had anything serious before and I'm just like, wow, I have this incurable disease. What the heck, I knew nothing about it so yeah, that really rocked my world because I just been promoted to this position and so yeah it made me reevaluate things because I was so focused on my career. I was 26 years old and I was just working really hard and I thought what's most important health, family and friends and then my career, really, I mean, some of us get so focused that we lose sight of other things like our health.

Ashley Whaley   14:51

That was a silver lining, I mean, blessing in disguise to be able to kind of reevaluate, where you were headed. So did you end up with Meeting Russell Stover, then?

Cathy Winslow   15:03

I continued to work as a district manager for about a year and a half and then I ended up moving on, a lot of people start off in consumer product sales and then they move into like medical or dental and so I actually went to work for a dental company, root canal.

Ashley Whaley   15:21

Ironically, all the candy that's now rotting the teeth

Cathy Winslow   15:25

I know, people keep asking what?

Adrian Schermer    15:29

On both sides, I like that [Mixed Voices 15:34]

Cathy Winslow   15:43

So, I was in sales for many years and then I told you, there are two major events so the next event happened in 2007. So, I got married for the first time in 2001, had our first son the next year and my husband, Rusty had been experiencing abdominal pains for a couple years and he was all I kept saying you need to get it checked, he is like after the golf tournament, yada, yada but at the same time, I was like, I really want to have two kids and at that point, I was 43. So we were talking about my age. So we decided to go through fertility treatments and so he had continued to have abdominal pains off and on and so finally, I became pregnant and then around the same time, he was just in excruciating pain. So finally got him in and November of 7th, pretty much had to open him up and do surgery and they found out he had stage four pancreatic cancer. So I don't know he was 46 years old and I was at that point a couple of months pregnant. So four months later, he passed away. March 31st of 08 and I was six months pregnant at the time and our son was four and so yeah, I mean, talking about major event that happened, it really rocked my world.

Ashley Whaley   17:20

Yeah. I can't even imagine just what that would feel like, let alone how you would even manage getting through the day to day of life, that's just...

Cathy Winslow   17:38

And you just pretty much I guess, go into survival mode because I had to be there for my four year old son and I was pregnant turned out to be, so anyway, had my youngest son, three months after my husband died, the end of June 27th. So he's coming up on 14 years old now.

Adrian Schermer    17:57

That's awesome. Maybe a blessing that you were pregnant, then just give you something that there's no choice, you got to take care of that kid, right?

Cathy Winslow   18:05

I know, it's one thing, I realized later on. I think I delayed my grief because I was so focused on you have to be strong for my son, you have to be strong.

Robert Delavan   18:16

And a baby makes you numb anyway.

Adrian Schermer    18:20

You're too tired to be sad. Just pass out.

Cathy Winslow   18:25

Exactly, I'm just sitting there with a Kleenex box. Just you know, crying and my son, are you crying again? Like, I know, I'm sad.

Robert Delavan   18:38

Four and five year olds are very honest, which isn't always a bad thing and things they say rushing. I mean, obviously, you're in the insurance industry and I don't want to get ahead of ourselves on that sort of thing. But in this episode is, you know, looking backwards and obviously, this was incredibly impactful for your life. I mean, maybe just a little bit of a plug here in the sense of I mean, was there life insurance involved?

Cathy Winslow   19:13

Yes, thank God

Robert Delavan   19:16

Like, you weren't also broke and grieving with the baby on the way and a four year old.

Cathy Winslow   19:26

Yeah, I mean and I was fortunate enough to have investments but that was incredibly helpful to have the life insurance as well.

Robert Delavan   19:41

Not that we're plugging life insurance but honestly, if you're going to be an adult, you should have life insurance.

Adrian Schermer    19:47

Yeah, life insurance is one of those professions that can sometimes get a bad rap because there are a lot of money grubbing people in there. I get the same in my industry. You know, there are just people who enter it just because they want to make some extra cash and that's really the goal for them. But you've obviously, I think it's one of the big reasons we had you on to be our representative in the insurance realm because you've got genuine experiences to draw on as to why insurance was more than just financial coverage, it makes a difference. And, gosh, even just this last year, I had a client who we were going to refinance and the husband passed away halfway through the transaction and it just killed the whole thing and it was so, there was this extra layer of devastation to her because she just couldn't afford the lifestyle that they had built together. So I'm really looking forward to finding out more about your business and how you operate because I genuinely believe every one of our audience members can benefit from understanding how insurance works and what the best fit is to make sure that the people they care about are protected.

Cathy Winslow   20:48

Absolutely, it really saved me and then, at the end of the year 08 was economically or for businesses, a lot of businesses were going out of business or making cutbacks and the company, I worked for lifeline screening, I set up ultrasound events, for risk of stroke and things. So they did with my ultrasound team at the end of the year and then they had to let me go, they felt really bad because they knew my situation and stuff and I was like, That's it, I'm taking a year off, moving back to Oregon and I ended up with the economy and thinking, oh, my God, housing, but I was in a one level house, which wasn't very common in the area was in Bonney, Lake Washington. So my house sold within four months and I bought a house, sold my house and bought the house in Wilsonville within a week of each other, it just totally closed. So it totally worked out.

Robert Delavan   21:47

And then that year off, was that a pretty impactful from just being there for your boys?

Cathy Winslow   21:54

Yeah and it turned into 10 years. I never thought in a million years, I would be a single mom, I waited so long. It was 37 when I got married first time and as we go along, but yeah, so moved back to Oregon because I have family in Oregon and yeah, I tried it that job for a little while and it just wasn't my thing, wasn't what I like to do. So I just kind of took my time and it ended up I'm like, 9 or 10 years it took off. So but it was great to have the time to spend with my kids.

Robert Delavan   22:30

Yeah, we'll talk about an impact. I mean, just big deals and these are what shaped us. So it'll be fun to explore that as we work through the next couple episodes.

Adrian Schermer    22:49

All right, Cathy, where can we find you? Where can our audience find you?

Cathy Winslow   22:57

Well, you can email me at seewins2020@gmail.com or you can call or text me at 503-862-6980 and I also have Instagram @GlobeLifeFHD so that's F as in Frank HD and my Facebook page is Cathy Winslow agent. Cathy with a C and you can also look at my website, Cathywinslow.com

Adrian Schermer    23:33

CathyWinslow.com, got it, FHD like family heritage division of Globe Life, check it out. You can also check it in the show notes. We'll have links to Cathy as well as Delevan Realty, my stuff for the mortgage and ROI financial for Lance Johnson. Ashley, thank you again for subbing in, I know you're gonna be with us for the next couple episodes. Well, Lance gets some stuff taken care of. You can find out more about what we're doing locally at ROI-fa.com/events. We've got mixing sippin mingle events, we've got learning grows, there's a summer bash coming up, I know and there's some holiday photos as well. So check out our calendar at ROI-fa.com/events to find out how you can meet up with us and maybe meet some other very cool people that we are fortunate enough to have in our circle, that about wraps it up for episode 1 of 3 of the get rich slow podcast series with Cathy Winslow, we look forward to talking to you guys next time.

Winslow 2 of 3

Adrian Schermer   00:02

Hello future millionaires and welcome back to the get rich slow podcast we are your hosts, Adrian Schermer, Rob Delavan and a surprise switch Ashley Whaley subbing in for Lance Johnson this morning. Good morning.

Robert Delavan   00:14

Good morning

Ashley Whaley   00:16

Good morning

Adrian Schermer   00:17

Awesome, you guys can listen to us on Apple podcast, Spotify, audible Amazon music, watch us on YouTube and listen on Stitcher, among other streaming services. Today we've got our special guest, Cathy Winslow back for part two of three, talking to her about her life for business and Globe Life Family Insurance, it is with Globe Life, family heritage division, specifically, we want to learn more about the positive impact that you're making in the community. Morning, Cathy,

Cathy Winslow   00:48

Good morning.

Robert Delavan   00:49

Morning, Cathy. Glad to have you back

Adrian Schermer   00:52

Lovely picture of you here for our video audience and yeah, excited to dig in here

Ashley Whaley   01:00

I love these book recommendations and thank you for highlighting your last book, this book I've never read this one, and can you give us a snapshot of heaviness for real by Todd Burpo.

Cathy Winslow   01:13

So I know it's real some of my books, they're just really simple messages. But I'll go into it more later about why I like this type of story. But this is about a little boy, I think it was three or maybe four and I can't remember right now how he ended up in the hospital. I think it was appendicitis or something. Anyway, something went wrong and he actually died for a little bit. I can't remember even how much time, I've read so many of these types of stories but yeah, so coming from a little kid. His parents were amazed at stuff that he wouldn't have known. Otherwise, like his mom had a miscarriage and he's like, yeah, I met someone so the girl, but one that she miscarried and they're like what, you know, so it just kind of makes you wonder what happens, you know when...

Robert Delavan   02:16

It sounds like very edifying or uplifting, I should say.

Cathy Winslow   02:23

Yeah, absolutely

Ashley Whaley   02:26

There's a movie called happiness for real.

Cathy Winslow   02:29

It's based on this book

Ashley Whaley   02:32

Yeah, have to read this one.

Robert Delavan   02:33

Well, we'll have to add it to the list here. So thank you for sharing that. Okay, so question one for you today, Cathy, is tell us about your business and what makes you so passionate about it?

Cathy Winslow   02:50

Well, Globe Life Family Heritage division, it's a supplemental insurance company. I never thought in a million years, I get into insurance but because of my background and what happened to me personally, this is the thing that I need to be doing. What they do is they have four different types of policies. They have cancer insurance, accidental injury, heart attack stroke and ICU and it's the cancer insurance that I bought personally, when I heard someone had asked me I was talking about, I lost my husband to pancreatic cancer. My mom was had ovarian cancer, my dad had lung cancer, they both passed away from cancer. So there's a lot of cancer in my family and having that experience of losing my husband, I always thought what can I do to help give back and so like I said, I bought the insurance, I didn't even know there was such a thing as cancer insurance and so after buying it and after fears of having it, my agent called me and he said, I was looking for good people and I had been in sales for years and the more I thought about I thought, this is something I need to do because this company is incredible. Their products are incredible and so I got my insurance license and got finally, at the end of 2020, I joined the company and I'm actually an independent contractor, all of us are a bit so it's my own business, but I exclusively represent them.

Robert Delavan   04:25

And the closest thing just for our audience that people often compare your product and service to is kind of like the Aflac like the supplemental and this isn't like primary health insurance and it's not necessarily life insurance. Well, it's not life insurance. It's if you get cancer, if you're in the ICU, if you have the different coverage accident. There's a fourth one, I missed it heart attack, if these things happen to You they pay you, as you're down and out, basically and not working and going through all the things from a care standpoint, am I summarizing this correct?

Cathy Winslow   05:13

Pretty close, yeah, so we are in the same space as Aflac, like you mentioned, there's some key differences, which I'll go into in a little while and so yeah, what we do is, the major medical insurance that we have, pays the doctors and the hospitals and as we all know, we have co-payments we have deductibles, what we do is we pay cash directly to people, to our policyholders when something happens. So the cash amounts are associated or attached, certain amounts are in the form of benefits are attached to whatever type of procedure you're having and then the money all adds up onto each other. So that's what we do is we pay people to help them and it's cash. So you can use the cash for everyone.

Robert Delavan   06:03

So for a hospital stay, it's very typical to get you know, every day you're in the hospital to to a surgery or cancer, whatever it is, you get paid every day above and beyond this has nothing to do with medical insurance. But it covers all of those expenses above and beyond like travel and different things...

Cathy Winslow   06:22

So cancer and heart policies have an incredible travel benefit. It's pretty awesome.

Robert Delavan   06:29

So if you end up at the Mayo Clinic, in Minnesota so if you end up up there you have to travel back and forth. There are expenses, all of those things. So above and beyond, your health insurance covers, it covers the actual doctor, but nothing else.

Cathy Winslow   06:51

Yeah and since we'd have nothing to do with any other insurance you own. So even if your insurance covers something 100% And you have one of our policies, we still pay, if you turn in the receipt of or the itemised bill of what was done, we will pay you too, so there and a lot of benefits have no limitations, meaning that you can reuse it if you have to.

Robert Delavan   07:17

Well, let's continue exploring this.

Ashley Whaley   07:20

There's actually quite a few Mayo clinic’s now. I just was curious. I was like, wait, I grew up in Minnesota and I was like, wait, I think it's Rochester and it is Rochester, Minnesota. But there's one in Scottsdale, Phoenix and Jacksonville, Florida.

Robert Delavan   07:40

All the retirement areas, huh?

Ashley Whaley   07:43

That's according to Google, anyway.

Cathy Winslow   07:45

Awesome, that's good to know.

Robert Delavan   07:47

There you go, so I mean, if you're travelling to something that's a specialty treatment there's just a few expenses, they don't they don't give out hotels next to hospitals for free, do they, last time I checked?

Cathy Winslow   08:02

And that's what our travel benefit allows people to do is get the best treatment possible to increase your chance of survival versus just going to wherever you can afford the local hospital. So yeah, it's pretty incredible.

Adrian Schermer   08:17

Okay, Cathy, what would you say sets you apart from your competition?

Cathy Winslow   08:26

Well, there are a couple things. The biggest thing is that we out of any other supplement or at least supplemental company, supplemental health insurance company out there which too many competitors. But we are the only ones in the country who gives you back all of your premium if you don't use it, all the premiums you paid if you don't use it and even if you do make a few claims, as long as the total premiums paid is more than the total claims received, we still give you a cheque for that difference back.

Robert Delavan   08:57

What's that timeframe on that?

Cathy Winslow   08:59

25 years

Robert Delavan   09:02

So get it young, get it at 25 and by 50 you get a nice treat, right?

Cathy Winslow   09:10

And even if whoever if you have two adults on the policy, even if you both pass away before the 25 years, that money doesn't go away, it goes to your beneficiary. So I think of it like you get paid whether you use it or not.

Robert Delavan   09:30

What else, anything else that sets either you personally or the globe life family heritage policies apart?

Cathy Winslow   09:41

So the other thing is that we have customer service that is second to none, they have won awards. When you call into our customer service department, you actually get a live person, which is so rare these days and they're based in the United States for what that's worth. So you might be on hold for a minute or two, but you actually get a live person.

Robert Delavan   10:04

Just as a testimonial that you didn't know about that I recently changed my address because I moved and I think I was on hold for five seconds and I was off the phone within like, two minutes and it sounded like somebody that was just next door to me so yeah, it was crazy.

Cathy Winslow   10:25

And our claims I'm hearing, I can't promise that oh, you make a claim and you you'll get your benefits, your money quickly. But I hear that over and over again. We have testimonials coming in all the time and one of them said, it was a farming accident recently, her husband was severely injured in a farming accident and they had an accident client accident policy, made the claim. She said, I cannot believe we got our money, we got our cash within 10 days and they were paid over $87,000.

Ashley Whaley   10:58

Oh my gosh

Cathy Winslow   11:00

I know, we have had these big claims lately. It's like, wow, we do pay a lot, pretty amazing.

Robert Delavan   11:08

And you're not the type of person to your own horn, Cathy, I know that. But the way where you are different from your competition, obviously, is the personal passion for this and that's also incredible. So, I don't want to minimize that. Yes, the company nationwide, there are lots of salespeople. But not all of them have your story.

Cathy Winslow   11:41

Yeah, that's one thing that the reason why I do this is because of the fact that I lost my husband to pancreatic cancer and so I know what you go through financially, right? I mean, it took three weeks for them to diagnose and he was in the hospital for three weeks, they assigned a patient care coordinator to me, the hospital did, to help me with the bills because the charges were over $100,000, we had what we thought was really good insurance and of course, that wasn't our portion, it was a total charges from the hospital. But we still had the 20%, you know and then he was in and out of the hospital after that full time. He lived for four and a half months after he was diagnosed and I was on the phone constantly with the hospital trying to figure out the bills and it's just incredible.

Robert Delavan   12:36

At three to six months pregnant with a little one at home.

Cathy Winslow   12:40

Yeah, I was six months pregnant when he passed away.

Ashley Whaley   12:44

You're a warrior.

Cathy Winslow   12:47

You do what you got to do, right? I didn't think I'd be able to get through it but I did and actually my four year old son kind of helped in a way because it was somebody I could focus on, you know, making sure I had to be strong parameter everything. So yeah, that helped, actually...

Ashley Whaley   13:09

Well, here is our final question of episode two and Cathy, I just have so much peace of mind knowing that myself and my husband and my two girls are covered with your cancer policy. I'm right there with you where there's so many people that have been in my sphere over my entire lifetime who have experienced cancer and it's just that added peace of mind of knowing like, okay, we have our health insurance. Well, now we have this extra piece where if we were to experience that, as a family, we would be taking care of financially because everything is so expensive these days and that's the last thing you want to worry about is being able to cover your bills, where you can just focus on getting healthy. So thank you for taking care of myself and my family, I appreciate you so much. So I love this question, what energizes you and keeps you going?

Cathy Winslow   14:04

So I thought about this one and really, it's as far as just the work I do, we get so many testimonials every single day and we have our meeting every Wednesday morning a Zoom meeting for our agency, which is I don't know, I think it's like 45 or 50 people and someone always reads a testimonial to start off the call, the meeting and the cool thing about the company too is that they're just it's a large company, but they really it really feels like we're working for a small company. They are from the president of the company down to other agents even in other areas we all support each other. The overall theme of the company is not about like so many other big companies I've worked for in the past. They're all about numbers and of course numbers are important, obviously, to get the business going, but they are always focusing on. We need to get out there and protect more families, we need because of the stories we hear, testimonials we get and just the fact that we helped so many people avoid bankruptcy, which is so common nowadays and that's the number one reason medical bills are the number one reason why people go through, go through bankruptcy or people who have to rely on a GoFundMe campaign, which only goes so far. So we truly help families financially and help them be able to focus on getting better. Versus oh, my gosh, help me to pay my mortgage or my rent or my car payment. So that's what keeps me going.

Ashley Whaley   15:48

Nice, that's a big "why" right there and there's a lot of people in this world and in your community and there's a lot I mean, just even us here, the four of us, well, the three of us and then the few Cathy, like I think of so many people within our sphere, in our network that we can reach out and just share our own testimonial right of why we have the policy with you and just that peace of mind factor. So that's it, it's a huge why.

Cathy Winslow   15:52

Yeah, credible and there are so many young people who are, people in their 20s, even who have been diagnosed with cancer, it's just I feel like I'm voice of doom when I'm talking about it. But you know, anymore, they're saying our statistics say three out of four families will have cancer at some point and one out of three men, one out of three women, let's have a cancer diagnosis at one point in their lives. So, almost 50% of the cancer cases are now coming from the environment so it's not necessarily having a family history of it.

Adrian Schermer   16:59

Just be more susceptible

Ashley Whaley   17:03

Well, thank you for sharing that statistic as well. I mean, numbers don't lie, if Lance were here, like he's all about numbers.

Adrian Schermer   17:15

Cathy where can we find you?

Cathy Winslow   17:16

So you can always email me at seewins2020@gmail.com, you can call me or text me, that's probably the quickest way 503-862-6980. My Instagram is @GlobeLifeFHD that stands for family heritage division or Cathy Winslow agent on my Facebook page.

Adrian Schermer   17:44

Cathywinslow.com as well, Globe Life FHD stands for family heritage division, which I think's real cool title. You can get links in the notes of this episode as well, that will send you over to Cathy's page, as well as our respective pages Rob and I and our substitute Lance Johnson and yeah, thanks a lot, Cathy. Looking forward to the next episode, where we'll talk a little bit about where you're headed for the future, which seems to be the subject of your whole business.

Cathy Winslow   18:15

Thank you, thanks so much, appreciate it.

Adrian Schermer   18:18

Yeah, just in person at our events, ROI-fa.com/events is where you can find out what we've got coming forward. We've got sippin mingles, learning grows, there's a summer bash and there's some holiday photos, they're going to be happening as well. So check out our website for the latest and greatest and all that and thanks for joining us, everyone.

Winslow 3 of 3

Adrian Schermer   00:02

Hello future millionaires and welcome back to the get rich slow podcast we are your hosts, Adrian Schermer, Rob Delavan and a special treat today Ashley Whaley, subbing in for Lance Johnson. Good morning, everyone.

Robert Delavan   00:13

Good morning.

Ashley Whaley   00:15

Good morning.

Adrian Schermer   00:16

Audience can catch us on Apple podcast, Spotify, audible, Amazon music, Stitcher, you can also view us on YouTube as well as possibly another couple of streaming platforms there. Today our special guest is Cathy Winslow. She's with Globe Life family heritage division. How're you doing today, Cathy?

Cathy Winslow   00:35

I'm doing great. How are you guys doing?

Ashley Whaley   00:39

Hey, Cathy

Adrian Schermer   00:41

This is our final episode with Cathy in this three part series. Today we're gonna learn all about what's ahead for her and her future with Globe Life, family heritage division.

Ashley Whaley   00:52

All right, another book recommendation, who moved my cheese by Spencer Johnson. I read this book a long time ago. Well, it's probably been a couple of years. So Cathy, thank you for highlighting this book. Can you give us kind of like a brief synopsis of what this book is about?

Kathy   01:12

Yeah, you're welcome. Well, I know I read it a long time ago, too. But it sticks out in my mind that it was it was impactful. So basically, it's just talking about your perception and we can change our perception of a situation and make it work for us versus being the victim. They did that to me instead, when I'm just taking a look at at who's the common denominator and how about changing my, my reaction to a situation to make it better?

Robert Delavan   01:51

I think I read this, like, early 2000s. It might have even been in school or I don't know, something like that. But it's an interesting, it's super simple and did somebody else do something to me? Oh, man, it's not where it's supposed to be? I need to. So this is a fun one, we'll definitely add this to our collection and thank you for the recommendation, Cathy.

Ashley Whaley   02:18

I think it's kind of like about how people deal with change too like how you navigate to change.

Adrian Schermer   02:26

It's interesting, like all of these business and management books, they always apply backwards onto your life. You know, there's a lot you can glean about just personal relationships. I mean, that's business, personified. Right, but it's just interesting at all, it's just human behavior at the end of the day.

Robert Delavan   02:44

That's a good one. Okay, so Cathy, question one, who should we be on the lookout for people to connect you with?

Cathy Winslow   02:55

Well, that's always been a challenge because we literally can cover anyone from zero to 80. So, but what I usually tell people is, they should think about who is closest to them, that's the first place to look because, I mean, I can go out and talk to small business owners and meet strangers and talk to them and help them but what about my family? What about my close friends? They're the ones really, who are the most important people, to most of us, the ones that are closest to us, that we really need to let know, just let know that this exists because so many people don't know. We don't advertise and so it's up to us as agents to get the word out to people and have our hopefully, our clients get to heart out as well. So yeah, it's always good to start with the people you care about the most.

Robert Delavan   03:55

So it's very referral driven. So as far as your marketing, like, you work with people in your sphere and then end up working with people in your sphere sphere, right?

Cathy Winslow   04:09

Absolutely, that's what most of us are in cleaning, trying to build our referral based business because otherwise I'm out cold calling on small business owners and you know how that goes usually, but networking, networking groups and stuff that just, it's all about getting the word out...

Robert Delavan   04:29

So the BNI piece, which we've talked about, you know, a fair amount in this podcast and business networking International, which you're a member here locally and then just are you doing chamber commerce and that sort of thing too or...?

Cathy Winslow   04:47

Yeah, I belong to the Wilsonville Chamber of Commerce, because that's where I live.

Robert Delavan   04:53

So yeah, you're out there and you're sharing your message.

Cathy Winslow   05:00

And what we found and we have a meeting every Wednesday morning and this meeting of all of there's like, almost 50 agents within our agency within a number of states and the point is, even this morning, the point they were making was all places, what is it that saying all just anywhere you are, this is like lifestyle selling because these agents are talking about being in a restaurant, they striking up a conversation and then they end up protecting that family because you end up asking each other so what do you do and from there, I mean, wow, really? Most people don't know, there's such a thing as cancer insurance or Accident Insurance.

Robert Delavan   05:45

Well and then it becomes whatever they experienced in their life, right and usually, it's a need and like you said, its lifestyle selling. So you're just if you uncover the need, then you're serving, not selling so yeah, exactly, pretty powerful.

Adrian Schermer   06:06

Cathy, what are your plans for growth?

Cathy Winslow   06:09

So within the company and I am an world independent contractors, but we exclusively represent the company that they have tons of, we have awesome incentives and things but you have a path where you can just remain an agent and sell sales professional or you can go the route where you're building an agency of your own and so eventually, I would like to build at least a five person team or maybe more and work towards that goal. So that's really what I see myself doing in the future is forming my own agency.

Robert Delavan   06:49

Do you have the baby steps already kind of laid out on that or is this a three five year goal or is this a 12 month goal?

Cathy Winslow   06:59

This is more like a three to five year goal because I'm still I'm still building my business on my own; I can recruit people whenever I want and then we have a person who will train but I get, you know, I get some credit for that financial credit a little bit so because our company has continuously been growing, even though last year, the last couple years through the pandemic, lots of companies were struggling; so we're just continuously growing every year and we need more people, especially in the northwest; we need more agents out here.

Robert Delavan   07:35

At a certain point, you're saturated in the market, but obviously not even close in the northwest?

Cathy Winslow   07:43

Yeah, but not at all, I mean, we just got a few of us, which is great...

Ashley Whaley   07:48

What would that person looked like that you'd want to have on your team?

Cathy Winslow   07:55

Someone who's self-motivated, it is a straight commission position and so that scares a lot of people. I know that initially, when I got into sales, I was going to go a different route and then I thought, too risky, okay, I better just work for a company, be an employee. So I have this guaranteed income, but so people who are entrepreneurial and because it's an incredible financial opportunity for anyone, as long as you have the motivation to get out, put yourself out there and talk to strangers and you know, not afraid to cold call. So yeah, that's the big thing.

Robert Delavan   08:35

Well, this will be a fun journey to help you on over the next few years.

Ashley Whaley   08:46

So here's a great question. I'm really glad that you picked this one and I'm excited to hear your answer. So what are the benefits in your line of work for longevity?

Cathy Winslow   08:58

So I took this question, I looked at it in terms of what financial benefits are there in my line of work because when you're an agent, with family heritage, you have the opportunity, as long as you're with the company for at least five years, you actually have the opportunity to receive residuals and you have to be fully vested, which is in five years, then you'll receive the residuals for the next for 25 years, basically. So that's really, you know, there are some agents who come on board and they're like, 60 years old and they're saying, yep, I want to put in my five years, you know, build my business to five years. So I have this retirement I have these residuals coming in, I'm at a certain level so and like I said, anybody who does this can make it what they want to make of it. There are some people that just kind of do it part time and on the side, others who are just done and just really grow their business very quickly and we have people from all walks of life who have decided to do what I'm doing.

Ashley Whaley   10:08

So it's like a nice passive income, you kind of build it right? Get a nice solid foundation and then especially if you have a team and then you can use it as your retirement plan, that's awesome.

Robert Delavan   10:21

Like you said, 0 to 80, right? Although, to sell insurance, I would assume you'd have to be 18...

Cathy Winslow   10:29

18 because each state has its own laws and rules but the other thing is, when I said 0 to 80, it's not like a five year old can buy a policy. So in Oregon, you have to be 18 to actually buy the policy. 18 or older but we can cover our ICU plan that covers the NICU even so...

Robert Delavan   10:50

So I could be 79 years old and just slide under and by the policy for the next 25 years?

Cathy Winslow   10:59

Absolutely [Inaudible 11:02]      

Robert Delavan   11:07

No problem, I'm good and I'll get my cheque back when I'm 104, party at the retirement village, right?

Cathy Winslow   11:15

Yeah, well, from 66 and there's set dollar amounts for the return of premium. So yeah, so it depends and we have four levels of coverage. So I never even talked about that. But the best level of coverage. I think it's like, I'm remembering this so it's 30 something $1,000. So there's a cap on if you get the policy when you're 66 or older. I got my first one at 50 so I'm like, okay, when I'm 75...

Robert Delavan   11:46

Hey, take what you can get. I mean, it sounds like obviously, there's a longevity here in this industry that you can continue to, you know on the sales side, as you're building your team, as you're building your, you know, book of business of clients, so forth, obviously, you work hard now and continue to connect with those folks and you're going to continue to get that referral machine as long as you're doing it. Which is pretty cool, not everybody can say that.

Cathy Winslow   12:22

Right and it just feels really good. The bottom line for me is feels so good to be able to protect families, rather than just saying, I just made a sale and move on to the next one. You know, I protect families and I have these clients, as long as they have their policy, you know they have them for the next 25 years.

Robert Delavan   12:41

Well, there's a level of connection and empathy there that you have based on your incredible experience and story. It's naturally there and I believe that shows through, it certainly does for me. So, we appreciate just you sharing this concept of there's folks out there that are doing sales and you know you get a commission, but you're not selling, I think we talked about in previous episodes, you're not shoving something that people don't need down their throat, you're speaking to a need uncovering that need and fulfilling that through a level of service.

Cathy Winslow   13:28

Yeah, I spend most of my time educating people on what we have and what's available because people just aren't aware and I wasn't aware either until I heard about cancer insurance what you know, so it's pretty awesome.

Robert Delavan   13:47

I love that you're so passionate about it.

Cathy Winslow   13:51

Thanks, I try to be.

Adrian Schermer   13:58

Cathy, where can we find you?

Cathy Winslow   14:00

Well, you can email me at seewins2020@gmail.com, for quicker response, you can call or text me at 503-862-6980. My Instagram is @GlobeLifeFHD, which stands for family heritage division and my Facebook page is Cathy Winslow agent.

Adrian Schermer   14:23

Awesome and for our audience, you can also get links in the show description to get to Cathy's site or to connect with Rob or I or Lance. Ashley. Thank you again for being our substitute Lance, you're certainly more pleasant than he is, sorry, Lance.

Ashley Whaley   14:41

Thank you for having me.

Adrian Schermer   14:43

I don't think he'll take that as an answer.

Robert Delavan   14:44

And we have cathywinslow.com

Adrian Schermer   14:58

Yep, perfect, if you want to connect with us in person as always ROI-fa.com/events is the best place to find out what we've got going on. We've got sippin mingle events, where you can meet some folks that we love and hopefully you can become one of them as well maybe even be a guest on our show, learn and grow events, which have some sort of educational moments. Pretty similar to what we do here, we just bring on, you know, folks that we have feel moved by connected to and learn from their expertise and their given field. We've also got a summer bash coming up and some holiday photos. So check out our calendar. The events are added all the time and it's just a great way to connect with the community and for us to connect with you. So thanks so much, everybody for joining us today. This is the last one in this series. So we'll start something off new next week and we're looking forward to it, thank you, guys.