I actually talked with a couple and she was explaining she hadn't had coverag...
So I actually wrote her on a plan and then six months into the plan.
“She actually found out she had stage four uterine cancer.”
I couldn't believe that I was lucky enough to help that person in time to most likely save their life. Nicole Rinehart is a health insurance expert entrepreneur in the CEO of Nicole Rinehart Health plans. She is changing the way people think about health coverage by making insurance more accessible, understandable, and personalize for every stage of life.
In my last year of college I did an internship that involved me working in the ER. Everything that came through the door were preventable things. So I got super passionate about helping people wave earlier in the game and not get to that place and realizing that they had a lot more control over their health than they think they do.
I want to continue helping everybody that I possibly can with health insurance. That is my business side belt. That's my passion. I want the world to know me as somebody that speaks, breads, lives, and preaches, health and wellness. The living your legacy podcast for those who live to leave a legacy.
Welcome back to another amazing episode of the Living Your Legacy podcast, the woman and
power addition. Joining me today is Nicole Rinehart. She's fantastic at two things, planning and health, health and planning. Nicole, welcome to the podcast. Thank you. You literally just finished filming your episode with General Anton. He's off-camera taking photos of us. What was it like for you? It was a little nerve-wracking at first, but it's great to just be able to talk about my journey. It's great to talk about what I'm trying
to do and who I'm trying to reach and hopefully get so word out that I'm here to help people.
“Right on, where does your journey begin? Where does Nicole Rinehart start?”
Started with me, just kind of being a really good student, hardworking in my first couple of jobs, kind of trying to figure out my life, dabbling in a couple different careers, trying to figure out what I wanted to be, and then experiencing single motherhood and eventually finding my career and health insurance. Wow. I've got to ask when you were done filming and done with your interview. How did you feel? Did you feel like hell? Yeah, I accomplished all that. It was, yeah, it's a little
bit surreal to be talking about it, because I still feel like I have so much more than I want to accomplish in my life than I feel like I'm not at my peak of success yet, but yeah, it's felt
incredible to be able to talk about everything I've done today and again, it just always kind of
coming from a place of single motherhood and having nothing and being broke to realizing everything I had built up to this point is really incredible. So, I really see you eager to hop on these topics, but I've got to, I've got to let you know that some folks walk into these doors and go, "Wow, I've peaked today, you're just like, "Well, it's just the end of Tuesday." Which is great that you recognize that. That takes a lot of intuition and understanding how
the frequencies work to see where you're heading. Let's talk about your journey. Where would you like to start? Motherhood, where would you like to start? Yeah, I mean, I guess part of my journey probably goes back a little bit further. Again, like I talked about in my interview, I've always been a really hardworking kind of go-getting person, even as a child, I was just throwing myself into all kinds of clubs and activities and extra curriculars and I forgot to mention in the interview,
but I even took college level classes and high school to try to prepare an advance for college.
So, I've always been just like this huge go-getter kind of person. And then I feel like my
journey just really evolved when I kind of fused the go-getter part of me with the courageous take
“risk side of me as well. Right on, what were you, I got to ask, where were you like in high school?”
Like, what were you into? Like, what made you nerd out? I mean, I was kind of basically a nerd. I had a very small circle of friends. Right on. I'm still that way. I just keep a small circle that are very close to me. I was coming out of my shallow high school. I was very, very shy prior to that. So high school was when I was kind of starting to find myself a little bit. But just great student, I got straight days all the way through high school, just super studious and
involved in like everything that I could possibly be involved in. I was in sports all year round. Yeah, such as a very bi-the-books kind of person. Cool. I want to hear the montage of your career. You said you had a couple of cool gig, a couple of jobs. What was your first transaction? What was your first entrepreneurial moment? Well, I, so I started out graduating college thinking I was going to be a surgeon, going to med school, but I ended up changing my mind because I
got very passionate about preventative health. So I actually pursued a career as a personal trainer, which while it wasn't full self-employment, it was a commission-based role. So literally everything
I'm done since college has been commissioned based.
salary kind of job ever. Right. So when you say commission based, it's almost like the humans
service. So like I'm going to be the nice human to you and hopefully I get money from you because I sold you this thing. Exactly. How did you have a sales script? Did you have like a good luck charms that you would wear? Did you have like good days and bad days? What was it like being a sales
“person? Well, when I was in personal training, it honestly didn't feel like sales because I was just”
just kind of connecting. I mean, I'm very passionate about health and wellness, even to this day. It's still my huge passion in life. So you know, at that time, I just was kind of helping people that came to me. It wasn't really so much I needed to like go on find them. They came to me because they wanted to get healthy and then I just kind of connected them with resources and things that they needed from there. For sure. When I got into medical devices, that's where it started to
feel a lot more like sales because I really had to go out and find people and like knock on doors, cold call, and then in health insurance to a lot of cold calling and prospecting. So not necessarily people coming to me, but just kind of, you know, going out and prospecting and trying to make my own way. Yeah, sure. And when was that turning point? We're like enough as enough. I'm just going to do my
own thing. Well, I've always picked my career path intentionally. I don't just go into the next hot thing.
I always follow. I always follow careers that align with my internal mission of helping people find health and wellness. And then also something I can obviously grow in. Something that doesn't, I don't like careers that just have a set ceiling that you just get there and you're just kind of there. I like careers where you can grow. And as far as when I took the plunge as to, yeah, I'm definitely going to do this. Being a single mother really had a huge part of that because at that point,
“my life is no longer just about me. It's about my baby. So I have to be bigger than myself.”
I have to go out and make my way for the future of my son. Right on. What is it like to see yourself in your own son and kind of see the energy of like, so this is what eternal life is like. What let's talk about that energy of being a mom first. Yeah, so I mean, when I first looked at my son, I just was boiling my eyes out with joy. He's the absolute best thing that ever happens to me along with my daughter who I now have to. Sure. And it's just, there's just no way to describe
the love of being a mother. Like you just, it makes everything else in life. The things that you fear before feel small. And it just makes your purpose feel that much greater. And it just instills kind of a love and a sense of purpose and you that just literally can't be fulfilled by anything else. What's your what's your philosophies as a parent or are you kind of guiding them in their own their own way? They want to do ballet in Canada. They'll figure that out. Or you just ready to put
them in the best thing. Montessori times 100 and just like just arm them as quickly as possible.
“I think I'm going to encourage them. But I definitely want them to kind of pick their own”
paths in life. Like I actually enrolled myself in piano lessons when I was in elementary school. I asked my parents if I could be in piano lessons, which kind of led the path for all of my siblings to be in piano lessons. Even though they were, they were much less passionate and I was. No, it's also like, it's also like, it's also like you took piano so early. Because that's that's actually what the real work starts to happen. Yeah.
The internet mentioned a processing to the brain as I like to call it. Yes. So why not become a surgeon? Like why not just sit around, sit around and network with other fellow surgeons while you're doing brain operations. Yeah. So I actually, in my last year college, I did an internship that involved me working in the ER. And I, when I got into it, I really thought like, ER. I thought like, gray is anatomy. Like you're just like all kinds of like crazy stuff comes through the door.
And it was really nothing like that. Like everything that came through the door were preventable things. Like people think and they were having heart attacks or people dealing with all kinds of sicknesses. And it just made me really sad because I was like, you came in for this.
Well, yeah, I was going to be incredible. Yeah. I was like, you know, there are things that
if people had taken healthier choices and healthier measures early on in their life, they wouldn't be in this position. And it was just really sad to see people wanting to change their lives and become healthier. But at that point, it's a whole lifetime of damage. So if it can be done, there's a lot to undo. Right on. So I got super passionate about helping people wave earlier in the game, kind of not get to that place and realizing that they had a lot more control over their
health than they think they do. Well, that's great. You mentioned that because you mentioned earlier that you were chasing clients and you were cold calling, I have a suspicion that folks are chasing you now. Well, what's what's that like for you now? It's a mixture. Honestly, I still prospect. I still do some cold calling because there's a lot of people out there that with my help insurance business. There's still a lot of people that don't realize how many different
kinds of health insurance exists and how many different plans there are in different options to be covered. So you're not just stuck in one option all the time. But yes, I've also had a bounty and people have reached out to me too because I've been able to help a lot of people at this point.
I've got a lot of word and mouth business from very happy customers that are ...
coverage. Very cool. Do you have a team now or are you still running so low like how are you scaled and how have you multiplied yourself? So I actually was a leader and that was part of my achievement. The law earlier. Tactical leader of a team. So I was a leader in the sense that I did run a team of agents. I got promoted twice. So I did get promoted twice up through the ranks. I actually voluntarily decided to scale back after my daughter was born. Not on my business,
but just on my direction. Sure. Because I've always been extremely passionate about business
“and making money and being successful. But I also am very tied into my family too. I think part”
of that comes from like being at a small town and being in a close-knit environment. Like family just really means a lot to me. So I want both a successful business and a very close-knit relationship with my kids. So I kind of scaled back at that point to focus on running my business. So low to get Nicole Reinhardt health plans out there. Right on, would you say your heart and soul and your family arts? It's a very small town value as well. Your vision and your prospects is big city. Thank you.
Definitely. Yeah. And it's, I mean, there was a day where I maybe kind of used to be grudge the fact that I came to a small town. But it really, I realized how much it's instilled in my values and I do really appreciate a small town environment because it's very genuine and real. Oh, absolutely. And there's a lot of morals and values I took from living in an environment like that that helped me with who I am and where I'm going with my business today. Yeah, I live in the Bay Area
every 10 years and after I moved to Tulsa, Oklahoma for a year and lived in the Bible Belt and loved it.
“Yes. Like completely different. Yep, absolutely. It turns the right time I needed it. Yeah.”
Um, so what are, how can folks find you, how can folks follow your journey and how, how are you reaching out to new prospects? So right now I'm doing a little bit of everything. Um, I actually do make telephone calls, believe it or not. Really? They're calling people. Yeah. With a rotary and the cord and everything. Oh, it's very. Thankfully, it's not a dialer. Oh, like that. But, um, yeah, I know I also do a lot of social media advertising. So people can find me online. They can find me by messaging me through
Instagram or Facebook. Um, I also have a website that people can book, direct appointments with me. Um, yeah, so I'm really doing a mixture of organic marketing via social media like out in my community. I actually even put flyers around in like very little living. So it's a bit of everything. How people can find me pretty rad. It's almost like you're, you're a rock band. You're a solid artist. That's very, very cool. Um, um, what are, what's your data data like? Like are you on Zoom calls or you
take it in persons? Like, I'm just kind of curious what your data data like is like, yeah. So Monday through Friday, I'm very much just all about my business prospecting. I have appointments with clients. I was set aside a little bit of time for customer service, um, you know, meetings, things like that. The weekend is when I have my kids with me. So it's kind of a mixture of mom and being a businesswoman at the same time. So that's when I'm doing more of the things that I can get
done for my business while still having kids around. So that kind of more like the creating ads for online and like stuff that I can do while I'm still being present for my kids, too. Right on. So what's a common client that you get? Is it the, is it the W9? The, like,
“who is a someone that you love to work with or work for? Honestly, I have plans built for”
almost everybody, um, ideal with marketplace options, which are really good for people with either financial constraints, um, because they have a low household income or people that have pre-existing conditions and they need guaranteed issue coverage. Um, I also deal with medically underwritten plans, too, that are geared towards healthier people that haven't really gotten that sick yet. And they just want really good coverage just in case something happens and for down the road.
Oh, well. So it's, it's really a mixture of plans. And, um, I work with individuals, families, and small businesses. So I mean, who I can help is nearly almost everybody.
That is their one particular story that that always rings to you, the truest that like,
this is why I do what I do. Yeah. And I actually talked about that in my interview, too. I actually talked with a couple that I'd ever met them face to face, you know, because I live in Denver, but I help them over the phone. They live in Alabama. Well, um, and just, you know, right away, we just hit it off, like just, you know, one of those people you just gel with right away. Yeah. And she was explaining she hadn't had coverage ever in like three decades. Like,
she just, you know, felt like it was time to have some because she was getting older and just felt like she needed some security. So I wrote her a plan. I got her approved on actually one of my medically underwritten plans, which is very, very good for people who can qualify because it gives them the very best coverage and the very best rates, all because they're very healthy. So I actually wrote her on a plan. And then six months into the plan, she actually found out she had
stage four uterine cancer. Wow. So that was, just can't just sneak up on you. Yeah. Well,
I mean, she must have had it for a long time. She just never knew. Um, and to hear, I mean,
I literally got goosebumps the day I found out because, you know, had she not gotten health insurance.
She probably wouldn't have gone to the doctor.
gotten treated in time. Or even if she would have found out that she had the cancer. If she didn't
“have the health coverage that she had, she wouldn't have felt financially comfortable pursuing”
all those expensive treatments. So it just, it was just a very goose bump moment that I couldn't believe that I was lucky enough to help that person in time to most likely save their life.
Yeah. I was a son on our mom. I'm like, exactly. And then I just passed back here or just affirmed
that you're on the path. So I'm, I'm, I'm, I'm here to see where you go next. I'm quite, uh,
“happy that it was part of your journey for this very brief moment in Miami. Uh, what's, what's your”
plan next? What's, what, what, what happens the moment you walk at that door? I want to continue helping everybody that I possibly can with health insurance. That is my business. I built. That's my passion. But my passion is also around health and wellness in general as an industry. Um, so where I want to take my business over the next, you know, a couple of years, two decades is I want to be a, a flagship person in the health and wellness industry. I want the world to know me
as somebody that speaks, breeds, lives and preaches, health and wellness, um, in any way that I can help people achieve a healthier life. That's a true, you know, not like a, not like a, oh, this is a hot in the moment kind of thing. But a real genuine way to achieve, achieve true health and wellness. I want to be behind that for people, um, to literally transform the world and transform how
people think about health and wellness. Gosh, Nicole, what a, what a powerful story.
Nicole, I'm, I'm eager to see how your, your wellness ministries go. And, um, uh, is there how can people find you? What's your calm social media handle? Plug away. Yep. So, I am on Facebook. You can either message my personal profile, which is Nicole Reinhart, or you can message my business page, which is Nicole Reinhart Health Plans. I'm on Instagram as Nicole Reinhart Health.
“And then you can just Google me and I think my phone numbers on Google too. So,”
well, Nicole Reinhart, such a great name. Um, I, uh, thanks again for your time and energy. I hope you had a fantastic show. Thank you. Thanks again, Nicole Reinhart. This concludes yet another episode of the Living Your Legacy podcast for Insight Success. I am Reinhart here.
