Yeah… Florida 2-15… no cap… We don’t study… we load the brain. [HOOK] Two-one-five, I pass, I’m ready Law and ethics, stay steady Life, health, annuities—locked Trick words try me, get blocked Two-one-five, I pass, I’m ready Suitability? I’m deadly If the question looks weird, slow down Best answer only—don’t drown [VERSE 1 — LAW + ETHICS / “WHAT’S ILLEGAL?”] No twisting, no churning, no lying in sales Misrep gets you clipped, don’t play with details Rebating? Inducement? Watch that “free” talk If it’s not in the contract, you can’t let it walk Defamation’s a trap—don’t drag other names Unfair discrimination? Florida hates those games Fiduciary vibe—good faith, clean file Replacement? Do it right, full disclosure, no guile Client info stay private, keep it on lock If they say “guaranteed returns,” check the stock If it says “agent did not explain,” that’s a clue Best practice answer: document what you do [HOOK] Two-one-five, I pass, I’m ready… (yeah) Trick words try me, get blocked… [VERSE 2 — LIFE INSURANCE BASICS] Insurable interest—must be there at start Stranger-owned? Nah, that ain’t smart Owner, insured, beneficiary—three roles in the play Revocable can change, irrevocable = you can’t just say Premium modes, whole life builds cash Term is temporary, lowest cost dash Riders on deck: waiver, accidental, GI Payor rider protects when the parent might die Settlement options—know the payout flow Lump sum, interest only, fixed period, let it go Life income options—annuitize that check Joint and survivor if they say “spouse” effect [VERSE 3 — HEALTH / DISABILITY / MANAGED CARE] Major medical math: deductible first Coinsurance split, out-of-pocket cures the worst Copay small fee, per visit, per stop If they say “maximum,” that’s where you top HMO gatekeeper, referrals the vibe PPO more freedom, out-of-network alive EPO no out-of-network, that’s the catch POS mix style, read the plan match Disability income: elimination period first Benefit period after, how long you’re reimbursed Own-occ stronger, any-occ strict Presumptive disability—some losses just click Workers comp is job injury lane SSDI federal rules, long-term pain [VERSE 4 — MEDICARE QUICK-HITS] Part A hospital, Part B doc Part C Advantage—private plan swap Part D drugs, formulary list Medigap fills gaps—standardized gist If they say “enrollment windows,” read that line twice They love testing timing, that’s the spice Coordination of benefits—who pays first? Primary vs secondary—avoid that curse [VERSE 5 — ANNUITIES / TAX TRAPS] Annuity got phases: accumulate then pay Surrender charge early, that’s the “leave too soon” fee Fixed is guaranteed, variable rides the market Indexed has a cap—don’t let them mis-spark it Tax talk: growth is tax-deferred, not free Nonqualified withdrawals = LIFO usually Penalty pre-59½, they love that sting Annuitization uses exclusion ratio thing Payout options: life, period certain, refund Joint and survivor when they say “two lives,” done Suitability always—age, goals, risk, time If it sounds “too good,” it’s probably slime [OUTRO / CHANT] Read the last line. Circle the keyword. Eliminate two. Pick the BEST. Two-one-five… stamped.