Hi — I’m John Boyd.
Some people know me as The Cool Car Guy.
I’ve spent decades working in the car business and the insurance industry, helping people understand insurance tools that address real-world risk situations, provide access to cash value when needed, and create structured income opportunities.
I’ve brokered cars, worked with insurance policies, and used life insurance tools that most people rarely hear explained — even in theory.
And over time I’ve realized something most people never hear correctly from the life insurance industry:
Most people don’t have an investment problem.
They have risk problems.
- Unexpected events.
- Liquidity needs.
- Income gaps.
Insurance products exist to help address those situations.
📞 Talk Directly With Me
When you call this number, you’re not reaching a call center.
You’re reaching me.
John Boyd
Licensed Insurance Producer
📞 720-771-6269
Text or call.
If I’m with a client, leave a message and I’ll call you back.
I only work with a limited number of people each month, so if you want to explore life insurance or structured income options, it’s best to reach out sooner rather than later.
💀 Death Creates Financial Chaos
Life Insurance Prevents It
Death is inevitable.
Financial chaos doesn’t have to be.
When someone dies, money doesn’t magically appear.
Instead the opposite often happens.
- Bank accounts freeze.
- Retirement accounts get tied up in paperwork.
- Property sometimes has to be sold.
- Bills keep coming.
- Funeral costs show up immediately.
Meanwhile the estate can take months or even years to settle.
This is why life insurance exists.
Not as an investment.
But as liquidity when everything else is locked down.
A properly structured policy can pay out within days, giving families breathing room during the worst possible moment.
Talk Directly With John
720-771-6269
(Text or call — I answer my own phone.)
Independent Insurance Producer | Car Broker | Entrepreneur | Real-World Problem Solver
🚘 Why The Cool Car Guy Talks About Insurance
Because I’ve actually used these tools in real life.
Years ago I started a simple whole life policy.
About $125 a month.
Over time it built more than $45,000 in cash value
(personal example, not a guarantee).
But the interesting part isn’t just the death benefit.
It’s access to capital.
That kind of liquidity simply doesn’t exist in most traditional financial products.
When cash value builds inside a policy, it may be possible to borrow against it.
That means access to capital without going to a bank.
- No credit check.
- No loan application.
- No waiting weeks for approval.
I’ve borrowed $25,000 in about 48 hours from my policy before.
I’ve used policy loans to:
- buy cars for my dealership
- create short-term liquidity
- handle real-world financial situations quickly
Then I paid the loan back.
Meanwhile the policy continued doing its primary job:
risk protection if I die.
This is one of the most misunderstood aspects of cash value life insurance.
Many people are told to avoid it — without ever being shown how it can actually be used.
Why Call Me Instead of Another Insurance Agent?
Many insurance agents represent one company.
They sell that company’s products.
And if it’s not the right fit — it may still be the only thing they can offer.
That’s not how I work.
I’m an independent insurance producer, which means I can explore different insurance options that may be available for a situation.
But the bigger difference is perspective.
I don’t spend my life only inside the insurance industry.
I live in the real world.
- I’ve owned a car dealership.
- I still broker vehicles today.
- I’ve started multiple businesses.
- And I’ve personally used insurance policies and structured income tools in real situations — not just theoretical examples.
That perspective matters.
Because when we talk, we’re not just talking about policies.
We’re talking about:
- protecting families or businesses from unforeseen risks
- understanding access to cash value inside certain policies
- exploring structured income options when appropriate
Sometimes the best step is getting a policy in place.
Sometimes it’s simply understanding how certain insurance tools work.
And sometimes the best decision is doing nothing right now.
My job isn’t to pressure people into products.
My job is to help them understand how these tools work so they can decide what makes sense for their situation.
📞 Call or Text Me Directly
720-771-6269
No call centers.
No assistants.
Just a conversation.
Burial Insurance: The Simplest Starting Point
This is often the first type of policy people put in place because it solves the most immediate risk.
Most people don’t need complicated strategies.
They simply want to make sure their family isn’t left with funeral expenses.
Typical final expense coverage:
$10,000 – $30,000
Typical monthly cost:
$30 – $70 (maybe less or more depending on age, health, other risk factors)
Less than most people spend on streaming services.
But when it’s needed, it matters far more.
And this is something that most people fail to realize.
An insurance company is taking a risk when you purchase a life insurance policy in much the same way that your home might be in somewhere prone to a hurricane, fire, flood, etc. Not every carrier is willing to accept that risk, while others have completely different underwriting guidelines depending on the product.
I’ve had friends and relatives who were hit with a terminal illness, or died suddenly based on unforeseen health issues. They couldn’t qualify for a policy to cover their final expenses when they needed it most or left their relatives in a difficult financial situation.
Which is why I created this section, that Burial Insurance is typically the simplest starting point based on my own personal experiences over the years.
Annuities: The Opposite Problem
Life insurance helps address a death risk problem.
Annuities are designed to address income needs.
Many people only hear about annuities in the context of retirement.
But structured income can serve different purposes throughout life.
Most financial conversations focus on building a lump sum.
But very few people talk about turning that lump sum into predictable income.
An annuity converts savings into payments for a period of time — or sometimes for life, depending on the product.
Think of it like this:
A rental property produces monthly income.
An annuity produces income without tenants, repairs, or property management.
It’s not designed to outperform markets.
It’s designed to provide structured income.
More income can allow people to:
- qualify for housing
- cover property taxes or HOA costs
- stabilize monthly cash flow
- support family members
- create flexibility during different stages of life
Income changes what’s possible.
Using annuities as structured income tools is rarely framed in this capacity.
The Lottery Lesson
When lottery winners take the lump sum, many end up broke within a few years.
But those who choose lifetime payments?
They keep receiving checks.
Structured income can help create long-term stability.
Annuities are one of the tools designed to create that kind of structured income.
The Cool Life Guy Risk Map™
Most financial discussions focus on growth.
- Stocks.
- Returns.
- Investment portfolios.
That’s fine, but real-life experience introduces risks that have nothing to do with beating the stock market.
A simple way to think about it is matching the right tool to the right type of risk.
Death Risk
→ Life Insurance
Income Risk
→ Structured income tools such as annuities
Housing Risk
→ Smart housing decisions
Lifestyle Risk
→ Real-world spending choices
Each tool exists to address a different real-world situation.
The Cool Life Strategy™
Real life doesn’t follow a spreadsheet.
- Unexpected events happen.
- Opportunities appear.
- Cash flow problems show up.
The goal isn’t just building a portfolio.
The goal is building an income and risk structure that works in real life.
Insurance tools can play a role in that structure by providing:
- protection against unforeseen risk
- access to cash value in certain policies
- structured income when needed or positioned correctly
When people understand how these tools work, they gain something important:
options.
And options create freedom.
📞 If you want to talk about how these insurance tools might apply to your situation, we can start with a simple conversation.
Call or text me directly.
720-771-6269
Text messages are welcome if that’s easier.
No call centers.
No assistants.
No pressure.
Just a straightforward, real-world conversation.