Loading summary
Transcript60 lines
- [00:00]
A
I had a very crazy life and finally when I was starting to get up on my feet and get normal job, I had a car accident and I had the twin daughters that was 2 years old and I was single mom and very quickly I realized I lost everything. I went to bankruptcy, depression and realized, you know my kids need to eat, I cannot feed them with hope.
- [00:22]
B
Sona Sargis is a compassionate, resilient and community driven leader with a strong background in relationship management and client care. Through her work, she helps individuals and organizations build meaningful connections grounded in trust, communication and service, creating a lasting impact through empathy, leadership and human connection.
- [00:41]
A
I feel like people walk around afraid like their light is off and I want to turn that light and biggest reason why they don't want to start the business and be entrepreneur because fear is what if something goes wrong.
- [00:57]
B
It spans the globe like a super high is cold Internet. Elvis, BRANDON. All right, Apple 3 today Apple is going to reinvent the phone. It's not over until I win. The living your legacy podcast for those who live to leave a legacy that's extraordinary. The impossible has happened. Oh, that is sensational. Jordan Open Chicago with the lead Usain Paul is the fastest man on the planet. You can live your life. Hello and welcome back to another episode. I'm sat here today with Sona and she is a dream protector. Okay, let's dive into what that is. Sona, welcome to the show.
- [01:41]
A
Thank you for having me.
- [01:42]
B
So I wanted to open up with the dream protector. I know you're a mother and an entrepreneur like all of us and you're from Canada. Toronto, but clearly not, you know, your accent doesn't suggest you were born there. But we'll get into that in a minute. I want to start with what is a dream protector.
- [01:57]
A
So I'm glad you asked. Can I give you as example?
- [02:00]
B
Let's do it.
- [02:01]
A
You are icon. You are Rudy. Yes. You are face of your business. And you did amazing. You created automation in your business, which means you can have freedom. Yes. But even in this case, after putting millions of dollars and 15 years of work, if you remove your face, your business is not going to do as well. Because your face is your money maker and red. Yes. Your image. So think about the small businesses who don't have those millions of followers, what they're dealing with when they cannot be in a business, they're heart of the business. Yes. So what I do, I protect their dreams. They spend years and years building their dreams and hopes. They came to Canada for it. They put their sweat and blood and Family time for it. And then something happens that have to step back from business. And what happens? Survival mode starts and guess what, the bills never stop. So they have to close their bills and credit card and everything and go bankrupt. 95% of business owners go bankrupt within first five years. So I want to protect small guys. Nothing against big guys like you. I'm sure you have your own financial advice.
- [03:11]
B
I was a small guy once.
- [03:13]
A
Exactly. But you still have that big dream. Yes. Even Jennifer Lopez and Beyonce protecting their moneymaker. Yes.
- [03:21]
B
So. So how do you. So you work with small business owners, entreprene those earlier phases. How do you protect their dreams? Do you help invest their money? Do you help them with their business? Do you help them if they're going bankrupt? Just for the audience, can you break down how you.
- [03:36]
A
I'm glad you asked. So let's talk simple language. Only one thing will stop powerful Rudy. When you're not really feeling well or you just don't want to do it anymore, which I don't think it will ever happen. Yes. So when you're not feeling well, it's either internal reason or external reason. Anything internal, it's sickness. Anything external, it's accident. So I don't want to give you a loan because we already in a trillion dollar debt. I don't want to put you in a situation where your mental health is affected and you're worrying now how to pay another bill. No, I want to give you something that will pay for all of bills. Only way I can give you money without asking money back is using insurance. But most insurances people know about is either life insurance, car insurance, maybe work insurance. But none of that is going to fill looph because our government loves their taxes. They're never going to give you 100% of your income. When we're not feeling well, we have to outsource. We need 10 of us. Yes. Because now nobody can replace us in a business. So when we heard we can afford 50% of our income, we need 150. And we all know business owners write off lots of stuff from their taxes. So there's no way they can get anywhere to pay them 100% what they're actually worth and deserve. So my company actually specialize filling those loopholes and giving giving supplemental insurance that pays on top of whatever anybody pay directly to you. And we don't disclose it legally. And how we do that because we don't need to check your income in time of claim. So if you don't have to check, we don't have to really announce the percentage we're paying. So legally we'll be able to give you a lump sum of money directly to you tax free so you can use that money to continue your dreams. Because think about it, you are masculine, healthy masculine. Yes. You want to be provider. You want to be that guy who needed and wanted and can pay the bills. And when I see mental health decrease in Canada, it's because reason on in men is when they cannot provide and they don't feel needed and wanted. And why I say dream protector. I'm very spiritual, I'm very heart centered entrepreneur. If I cannot be there to stop them from divorce, from depression, from societal, from aggression, even physical abuse, I can be their second best time giving them option and choices and money. And I use this tool to get in a families. I train over 600 people to work with their heart and go there and be healers and listen to them and give them options and money as soon as possible before that domino effect starts. Because it starts just little fight their aggression, no money. And then it goes, you know, so,
- [06:25]
B
so let's use an example. So entrepreneur has a small business. They can take out insurance with you. And it's more like, it's almost like emergency insurance. It sounds right. So then they pay for it. A year later something happens, right. They're going bankrupt, they get a lawsuit for millions of dollars or the business goes bust or whatever. And then how do you help?
- [06:48]
A
So you are the. That's more like business insurance, liability insurance and even that insurance can really protect them too much. They have to have like things set up, trust set up and all what I'm talking about is actually getting hurt and getting sick. So let's say you become my client today. You don't have to wait for a year. Things happen almost next week.
- [07:14]
B
You fall over, you knock your brain, your head.
- [07:17]
A
Exactly.
- [07:18]
B
Wake up in the hospital and now you've got brain fog. You can't operate the business.
- [07:22]
A
Exactly. So, so how works? We have millions of different policies, but this specific one is my favorite. Why you buy today, you buy quarter of price, like couple dollars a day or whatever the case is. God forbid next week you have a concussion, you in a coma, God forbid, in icu, in a hospital in Canada, hospitals are free. I'm sorry I'm not rubbing in like the uk.
- [07:47]
B
Yeah, yeah, yeah.
- [07:48]
A
And then. But your life is not free. Your bills are not free, your dreams are not free. So what happens? You submit a claim using your own doctors. We don't have our own doctors. We Trust your doctor. So it's a win already. And what happens? We give you like almost 100,000 for that one month of hospitalization. Tax free money directly to you still alive, you're not dead, you're not permanently disabled or anything like that. You can recover, but now you come out and you don't have to lose your business.
- [08:17]
B
You have a then if you were paying yourself 20 grand a month, do you get supplemental or other policies where hey, I can't work fully how I could before because I have brain fog and I have to sleep in the day. So I have the insurance to Give me the 20 grand a month that I was paying myself.
- [08:33]
A
Yeah. So there's different types. There's disability, there's critical illness. The one that I'm describing, it's paying you lump sum per day, not months or anything. So it's much more money than any other insurance. Like disability is not traditional, disability is not credit.
- [08:48]
B
And this is great for the entrepreneur, especially when they're startup like you said. Because if I took a month off, my business would pretty much be fine. I've come back, it'd be pretty much where it was. Right. A few little things fell down, but it'd be fine. But that's because I have 110 employees.
- [09:04]
A
Exactly.
- [09:05]
B
If this happened to me 10 years ago and I had 12 employees or 10, they wouldn't know what to do. Right. Everything would freeze.
- [09:14]
A
Exactly.
- [09:14]
B
So this is obviously beneficial no matter what stage you're in, but almost more beneficial when you're starting out because as you described, you are the leader of everything.
- [09:26]
A
You know, heart. And it's perfect that you just mentioned. It's perfect for everybody in any stage because we literally giving emergency cash. So to be honest, yes. Our best client would be trades and small businesses because they have the most expense and we wanted them to keep the doors open.
- [09:42]
B
The rest, the restaurant owner that's cooking
- [09:45]
A
in the kitchen, plumbers, mechanics, roofers.
- [09:48]
B
But guess what, which is 99% of business owners.
- [09:50]
A
Right.
- [09:51]
B
Most aren't me. Most of the everyday.
- [09:53]
A
Even yourself. Why would you use your own money if you can use billion dollar company's money? Yes. Tax free money, never say no. If you can leverage it, pay 50 bucks and get 100,000. Why would you not do that? Yes. But funny enough, what people don't think is loophole in the industry, who are the loopholes? So for example, nobody want to touch give insurance to kids, olderly people, sick people and entrepreneurs. Those are the, you know, blind spot of insurance. Why? Because it's A huge liability. Yet you have a sick kids hospital full of sick kids and healthy parents who lost their business because nobody want have a choice to go work when the kids are sick. So I actually give insurance for whole family because I'm single mom of twins and trust me, I'm not working when some one of my twins are in the hospital. And same thing my sister, she dealt with the concert and guess what? None of us in the family was working. I was babysitting. So I give money to seniors who are sick people who nobody else want to give sickness insurance entrepreneurs that nobody else want to touch because they can prove their income, the kids, the family. So everybody needs money. Whoever needs money, I give it to them. But the funny thing is nobody's born and wake up in morning say oh, I need insurance. And nobody knows about this insurance. So it has to be educational. Educational part even yourself you are so aware of insurance and industry investment. But I'm sure you never heard of my insurance company. You know.
- [11:26]
B
And I actually have an insurance not probably yours, but my team said it. I get $9,000 a day if I'm in something like that.
- [11:35]
A
Do you want to adopt me? I'm joking. I can be beneficiary. Yes. I'm glad that this is why you smart businessmen. Yes. Before you build your empire, have to build right foundation.
- [11:46]
B
And it was I got the, the other health one right in my early 20s and it was only like 300 a year. And if you're hospitalized, if you're any proof that you can't work at your full potential, you I was getting 25,000amonth.
- [12:03]
A
Amazing. Exactly.
- [12:04]
B
That was my income at the time.
- [12:06]
A
And I think US is I think people in US understand health insurance.
- [12:12]
B
I have no clue because I was from the UK but I luckily had a lot of very rich successful friends that have suggested all these things.
- [12:19]
A
I'm like just I take it, tell
- [12:21]
B
me what to do.
- [12:22]
A
I mean if you're successful and you actually getting something as a backup plan, who I am to question. And that's extremely smart because sometimes we go with that ego like no, you know what? I don't need it. I don't need lawyer. I don't need this.
- [12:35]
B
You learn in life, you think you never need it till you do. Right.
- [12:38]
A
You're hired. Yes.
- [12:39]
B
That's the sad reality of most people I know.
- [12:42]
A
I rather you have it not to use it and then not have it and need to. Yes. And what I was saying, I've always
- [12:48]
B
been a big insurance person because I see insurance as like it's not, you're not going to notice paying it really. But if you get the 100 grand problem or you get the big thing, you will clearly notice that. Right. So I was sooner or I've always played it safe. I'd sooner lose a few grand a year than lose hundreds of thousands one year, you know.
- [13:06]
A
True. And outsource your problem. Why would you pay out of your pocket if you can outsource it? I love that you outsource everything.
- [13:12]
B
Also the most people don't think about it. Emotional energy, right. Not only the cash, losing 100 grand, whatever for me it's whatever. It's not a big deal. Right. But the emotional energy of losing 100 grand would be a bigger deal than the money itself and that would cause me to be annoyed and upset and dealing with all this paperwork and stressed out. So I actually think insurance is better. Like if I crash my car, 20 grand to fix the car, I wouldn't notice that in my bank account luckily at my level. Right. But I would know I would be annoyed and dealing with all the paperwork and arguing with the other person and the mechanics that actually I think the emotional energy as an entrepreneur that insurance can protect you from is actually just as important as the value of the currency part.
- [13:58]
A
I agree. And most of the time lots of business owners, when they start a business, they don't think like you. They just put 100% of their money in the business without having lawyer, accountant, insurance, they're just one person show and that 100 of their life depends on that one person. They don't have backup plans. So it's extremely important. I'm glad you understand and promote it. I'm super proud of you and what you achieved and obviously you know, you did something right.
- [14:28]
B
Well, so you know, success, generally successful people, even in any area, you have to be well rounded. Right. Because if you're very narrow minded and do one thing well, then you have all these blind spots. So I've always said in business successes, yes, in the business, in the marketing and sales. But you have to be well rounded in the accounting and the legal and the insurances and the hiring because they all play big variables. So yeah, I think you know, if you're listening, be educated on this stuff. Right. You spend a couple of months of your life educating yourself and you know it forever. That's how I looked at it in my 20s. I'm like not really interested, like overly excited to learn all this but I know a couple of months of my life I'll understand it all and then I'll have it secure and set up forever, you know. So I think it's a great, a great thing. And, and like we said, the, the only time most people become aware of it is when they don't have it and they need some claim on it
- [15:20]
A
and it's a little too late. Yes, I'm glad that you're a visionary and it's kind of happened to me because I'm European, I'm Armenian, my insurance was my dad, my brother, my uncle in Europe.
- [15:30]
B
It's moving back in with your family.
- [15:31]
A
And when I come back, came to Canada and I was all by myself and I had a very crazy life. And finally when I was starting to get up on my feet and get normal job, I had a car accident and I had the twin daughters that was 2 years old and I was single mom. And very quickly I realized I lost everything. I went to bankruptcy, depression and realized, you know, my kids need to eat, I cannot feed them with hope. And this is one of the reason that you had a different reason you had a success reason I had a failure reason to learn because I said, you know what? I came to this country and I keep starting from zero. This is last time I'm going to let my kids money, my kids food to be taken away. So I have to be insider, I become a broker. I learned from every con company. I, I am more visual artist so. And I can not focus in memory. So I have to be insider and try it in my own skin to understand how it works. So I become a client, an agent and a broker in every company to learn their loopholes, legal and good and bad and being a people side protect people because again, who's going to be on their side? Who's going to protect their dreams? I feel like people walk around afraid, like their light is off and I want to turn that light and biggest reason why they don't want to start the business and be entrepreneur because biggest fear is what if something goes wrong? What if I'm, you know, I lose everything and if I can tell them, hey, I will back you up, I'm that rich uncle for you, you know, then they have a little bit of the bravery and you know, they take that leap of faith. So if I can do that and be spiritual insurance broker, you know, why not? People need that spark and hope and peace.
- [17:19]
B
Love it. So, last question. You know, we've talked a lot about the insurance and why it's valuable if people want to follow up with questions, find you or get help from you? Do you only help people in Canada or where do you help people and how can they get your help?
- [17:33]
A
Yes, unfortunately it's highly regulated business and we have to have a license and training and all of that stuff to make sure you've been taken care of and not lied to. So I work in Canada only in Ontario and I'm big on a social media on Instagram Choose Dream protectors as a one word or choose dream protectors.com and me in a LinkedIn Sona Sargis S O N A S A R G I S Find me, send me a message. I would love to chat with you and support you. I have amazing team of the brokers that I train and I choose them with the heart, bigger heart. They're hired. We can teach them skills and get them license but we cannot teach them to be good human. So it's important to me.
- [18:19]
B
That's a wrap everyone. Protect yourself. You never know what's going to happen. You work so hard in the business, on the business, building your dream life. Work with someone that can help protect that dream worst case scenario. So I hope you enjoyed today's episode. I'll see you soon. Take care. Keep building a legacy and have an impact.