NZ Business Owners Ryan J Melton

Guest Jon-Paul Hale: https://www.willowgroveinsurance.co.nz/about-us/about-us-j-p-hale-menu



Takeaways




The insurance industry can be complex and challenging, with various pitfalls and potholes that individuals may encounter.
Understanding the client's needs and providing tailored solutions is crucial in the insurance industry.
Underwriters play a significant role in assessing risks and determining coverage terms.
Trust, education, and personalized advice are essential in the insurance industry. Insurance companies consider both medical and financial information when underwriting policies.
Advisors play a crucial role in guiding clients through the application process and ensuring accurate disclosure.
The misconception that insurance companies do not pay out claims is refuted, with statistics showing a high percentage of claims being paid.
The current application process can be inefficient and time-consuming, and there is a need for improvements, such as allowing insurance companies to access medical notes with client consent.

Chapters

00:00 Understanding the Challenges in Business

03:37 Approaching Insurance Sales

07:51 Building Rapport and Understanding Client Needs

09:25 Motivational Interviewing and Client Engagement

10:33 Empowering Clients to Make Decisions

11:53 The Difference Between Sales and Advice

14:29 Developing Skills and Personalizing Delivery

15:31 Setting Boundaries for Advisors

18:15 Staying Educated in the Insurance Industry

26:47 The Role of Underwriters in Insurance

30:59 Underwriting and Financials

32:14 Predicting Mortality

34:30 Role of Advisors and Brokers

36:19 Reinsurance and Risk Spreading

38:39 Financial Strength Ratings

41:17 Misconceptions about Insurance Payouts

44:30 Buying Insurance Online

45:58 Application Process and Claim Rates

51:15 Improving the Application Process

53:38 Value of Advice and Automation

Guest Martin Robinson: https://sharenz.com/advisers/martin-robinson/



Takeaways




Defining success: Martin defines success as having the time, money, and health to attend any sporting or cultural event.
Financial planning: Martin humorously defines good financial planning as when your payment to the undertaker bounces.
Lessons from surf life saving: Martin emphasizes the value of meeting new people, learning from mentors, and staying physically active.
Finding joy in passions: Martin's love for football and surf life saving has brought him joy and lifelong connections.
Learning from experiences: Martin shares stories from his career in finance, highlighting the importance of perseverance and adaptability. Computerization revolutionized the mortgage industry, making it easier to track and manage mortgages.
Commission rates for mortgages in the late 1980s were high, with advisors earning a significant amount per mortgage.
Diversification is crucial in the mortgage industry to mitigate risks and avoid relying on a single client or industry.
Building relationships with real estate companies can be an effective way to find prospects and convert them into clients.
The formation of Apex Financial and its transformation into Share demonstrates the power of collaboration and camaraderie in the financial advisory industry.

Chapters



00:00 Definition of 'having made it'

03:29 The significance of football in Martin's life

04:51 The definition of good financial planning

06:33 Martin's experience in debt collecting

09:06 The role of surf life saving in Martin's life

11:28 Working at General Finance and IFC

13:33 Working in factoring and financing invoices

15:55 Working at General Finance and Olly Newland's company

19:44 Martin's achievements in surf life saving

20:46 Staying agile and competing in surf life saving at an older age

21:38 Building relationships in the mortgage advisory business

24:00 Starting a mortgage advisory business and dealing with challenges

24:29 Early Days of Mortgage Brokering

26:56 Approach to Getting Mortgages Across the Line

30:08 Formation of Apex Financial

38:03 Formation of Share

42:37 Size and Success of Share

43:33 Factors Contributing to Success

45:27 Passion for Sports and Cultural Events

Guest Aaron D'Souza: https://www.lesafs.com/



Takeaways




Maintaining a healthy lifestyle requires discipline and finding strategies to make exercise and healthy eating easier.
As we age, it becomes more important to prioritize our health and be proactive in maintaining a healthy weight and staying active.
Dancing can be a fun and enjoyable way to stay active and express oneself creatively.
India has undergone significant growth and development, with improvements in infrastructure and a focus on becoming a developed country.
Learning how to swim is an important skill that can save lives and provide a sense of confidence and safety in water. Water polo is a challenging and impressive sport that requires strength, endurance, and skill.
Being present and supportive as a parent is crucial for building a strong connection with children.
Self-improvement and learning from mistakes are essential for personal growth.
Meditation can help reduce stress and improve clarity of thought.
Taking action is key to making progress and achieving goals.
Being aware of one's thoughts and reactions can lead to better decision-making and emotional well-being.

Chapters



00:00 Building Healthy Habits

02:37 The Challenge of Eating Healthy

03:32 Cravings and Dietary Changes

04:32 Health, Aging, and Staying Active

05:31 Dancing and Performing

06:44 Theater and Behind the Scenes

09:43 Dance and Western Influence in India

11:30 Sports and Childhood Memories

12:47 Changes in India Over Time

13:50 India's Political and Infrastructure Development

14:56 Swimming and Overcoming Embarrassment

22:25 Water Polo and Competitive Sports

24:54 Balancing Family and Personal Fulfillment

27:59 Building a Strong Relationship with Children

30:12 Effective Communication with Children

33:33 The Power of Books and Personal Development

36:31 Taking Action and Learning from Mistakes

41:13 The Benefits of Meditation

46:50 Observing Thoughts and Responding vs Reacting

Guest Keanan Beyers: https://www.lifetime.co.nz/find-an-adviser/view/keanan-beyers/


Takeaways




Living in Cape Town can be challenging due to crime and the need to be constantly vigilant.
A diagnosis of type 1 diabetes can have a significant impact on one's life and requires careful management.
Growing up in challenging circumstances can shape one's perspective and behavior.
Finding a balance between enjoying life and making responsible decisions is important.
Partying and a carefree lifestyle can sometimes be an attempt to fill a void or mask deeper issues.
Maturity often comes from facing difficult circumstances and making tough decisions. Strict upbringings can limit a person's ability to explore their identity and enjoy their youth.
Rebellious phases and partying may provide temporary escape, but they do not solve underlying issues.
Discovering that you are not the biological parent of a child can be emotionally devastating and lead to a loss of trust.
Betrayal and financial struggles can be challenging, but holding on and staying focused can lead to positive change.
Patience and perseverance are key in overcoming difficult situations and finding a better path forward.



Chapters

00:00 Growing Up in Cape Town

01:28 New Chapter

04:52 Overcoming Adversity and Leaving South Africa

07:48 Living with Type 1 Diabetes

09:49 Early Life Challenges and Wrong Choices

13:35 Navigating Boarding School and Cultural Differences

17:34 Struggles at Home and Financial Constraints

24:32 Finding Balance and Making Life Choices

25:41 Filling a Void and Seeking Maturity

27:42 Strict Upbringing and Lack of Freedom

28:48 Limited Independence and Struggles with Expression

31:05 Party Lifestyle and Avoidance of Responsibility

35:25 False Paternity Claim and Betrayal

38:20 Moving Forward and Starting Fresh

43:26 Saying Goodbye to the Pretend Son

47:51 Deception and Manipulation

49:18 Words of Encouragement

Guest Jane Benton: https://g3freedom.co.nz/



Takeaways




The sense of community and connection in rural areas can provide a fulfilling and meaningful life.
Prioritizing personal relationships and family over work can lead to greater happiness and fulfillment.
Financial planning is important for providing security, peace of mind, and the ability to pursue goals and dreams.
Resilience is necessary to navigate challenges and setbacks in life.
Commitment is essential in modern relationships to build trust and create lasting connections. Forming genuine connections and relationships can be challenging in the digital age.
Online dating apps may not accurately portray a person's true self.
Commitment is essential for building lasting relationships.
Forgiveness and maintaining a positive perspective are crucial for personal growth and moving forward.
Quality time and meaningful conversations are key to maintaining strong bonds in long-term relationships.



Chapters

00:00 Introduction and Childhood in Rural Southwest England

01:35 The Value of Community and Connection

05:50 Creating a Supportive Work Environment

07:33 Questioning Traditional Work Structures

09:51 Negotiating Work-Life Balance

10:58 Balancing Career and Family

13:52 Uncovering Financial Goals and Values

19:51 Preparing for Market Volatility and Losses

21:52 Personal Resilience and Making Life Changes

24:28 Commitment and Modern Love

25:56 The Importance of Connection

26:53 The Challenges of Online Dating

27:51 The Role of Hormones in Dating

28:46 The Importance of Commitment

29:46 Maintaining a Long-Term Relationship

30:51 Determining the Worth of a Relationship

32:11 Forgiveness and Moving On

33:57 Putting Life in Perspective

35:50 Maintaining Civil Relationships

37:12 Making the Most of Life

39:01 Dealing with Tragedy and Loss

40:43 The Perception of Success

Ian Dallas: https://www.linkedin.com/in/iandallasnz/?originalSubdomain=nz



Takeaways




There is a movie centered around refereeing that is dramatic and intense.
The experience of a referee in rugby involves managing people and effectively communicating with them.
Upbringing plays a significant role in shaping personal attributes and values.
Acknowledging and listening to people's concerns and objections is crucial in insurance sales.
Building trust with clients requires empathy and open communication. Ask clients what is important in their lives and what could put those things at risk to understand their insurance needs.
Estate planning and enduring powers of attorney are important aspects of risk management.
Being honest, empathetic, and providing value to clients builds trust and long-term relationships.
Vulnerability and open communication can lead to deeper connections and understanding.
Mistakes are opportunities for growth and learning. Admitting and discussing them with others can help in finding solutions.
The compounding effect of goodwill and consistent content creation can lead to long-term success in professional services.

Chapters



00:00 Introduction and Movie Discussion

02:28 Experiences in South Africa

04:06 Police Encounters in South Africa

06:14 The Importance of Self-Control as a Referee

08:16 Managing People as a Referee

09:42 The Role of Upbringing in Refereeing

11:06 Recognizing Talent in Referees

12:29 The Importance of Stillness and Self-Control

13:55 The Impact of Upbringing on Self-Control

14:24 Dealing with Criticism as a Referee

16:31 Effective Communication in Arguments

19:55 Addressing Objections in Insurance Sales

21:59 Creating Comfort and Trust in Insurance Sales

24:33 Aligning Insurance with Life Goals

25:03 Understanding the Drivers for Insurance

26:10 Identifying Risks and Needs

27:19 The Importance of Estate Planning

28:34 Providing Value Beyond Insurance

30:13 Building Relationships and Trust

31:08 Retaining Clients through Understanding

33:50 The Power of Authenticity and Vulnerability

35:02 The Benefits of Acting with Integrity

36:22 Overcoming the Fear of Judgment

40:29 The Secret to Youth

41:24 Long-Term View and Adaptability

42:03 Living Longer and Embracing Change

43:00 Learning from Mistakes and Being Vulnerable

46:27 Unraveling Personal Challenges