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all right whats up guys we always get nervous when we first start off in a new business and were like what am i doing how do i write this how do i know what to write so im going to break this down for you very simply and if you need to watch this video three or four times do that right because the more we feel let that anxiety go then the easier were going to be able to learn this and actually go help some families okay so a lot of its in our heads and we overthink it too much so i want you to break this down and think about theres only two policies only two types of policies that were trying to get a client into theres a term thats full coverage and a whole life which is full coverage just two term whole life you only have to decide on two products thats it okay so whats term term lasts a length of time they last when you lock it in for 10 years or 15 or 20 or 30 years after that its done its over with no more protection price isnt locked in youre done whole life lasts