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WHAT I'VE SEEN IN THE LAST 23 YEARS....
What you'll be reading here is the real life situations
I've experienced as an insurance agent with my real life clients.
I've learned so much over the years, (mostly good; some not so good) and
want to share some of this with you. You've probably met
several people in your lifetime who were briefly life insurance
agents. And you may like most people have a perception of a life
insurance agent just out to make a sale -- and many are.
However in my 23 years, I'm the person who sat several
times at someone's kitchen table. I met the family, the pets, the
neighbors, the friends, saw the garden, the pool, the gun collection, the
classic car, etc. I the same person who attended my clients'
funerals. And I'm the person who delivered that check to my clients'
beneficiaries. My job is important to you as I have to help fulfill
your financial final wishes.
Learn from this
information for two reasons: 1. Either know that you're
on the right track and/or 2. Avoid some of the mistakes my clients
have made by their own choices.
These stories are true -- the names of these people
have been purposely changed to protect their identity.
"Frances Hilton" You may
remember those old insurance agents who came to your parents or
grandparents home monthly to collect the premium. When you're employed by
a life insurance company as a debit agent, you're forced to contact
and solicit the existing book your assigned for additional sales.
99% of the time it was a thankless and uncompensated job.
I called this existing customer, Frances, and her only
available time to see me was on a Halloween night . My manager
didn't have anything going on that night either and asked to accompany
me. She and I went to Frances' apartment in Rocky Hill and enjoyed
Frances' coffee fresh from Jamaica and, of course, we were interrupted
several times by trick-or-treaters..
Frances decided she need more life insurance than the
$1,000 (yes, one thousand) she currently had. So she purchased a
$50,000 whole life policy for $50.00 per month. After the policy was
issued, she decided she couldn't afford the policy and wished to reduce
the face value to $25,000 for a $25.00 per month premium, which I did.
Several months later, I received a phone call from one of
her adult children inviting me to attend her benefit dinner. I asked
what the event was for. The daughter said, "You didn't
know. My mother has brain cancer. We're trying to raise money
to cover her medical bills." I attended the dinner.
Frances approached me and said, "I know who you are but I cannot
remember your name." She introduced me to her friends and
family.
A couple of months passed and I received notification that
Frances had died. When I submitted the claim to the insurance
company, Frances had passed away only 9 months after that Halloween
night. Her adult children didn't have any money nor did
Frances. The funeral home in New Britain refused to bury my client
until they were paid. My friend and client, Frances, laid in a
freezer.
In the meantime the insurance company has the right to
contest a life insurance claim if a death occurs within two years of the
policy's inception. The insurance company thought possibly Frances
knew she had brain cancer and possibly I knew she did, too. I
frantically dealt with the insurance company as my job was to get my
client buried. There was nothing medically recorded that Frances had
any kind of pre-existing condition. Thankfully, my manager was on
the appointment that Halloween night and provided sworn affidavits with me
that Frances was visually fine that night.
It took two weeks, but I was able to deliver that check to
the funeral home an Frances was properly buried. Frances died on
July 11, 1991 and I know she is now my guardian angel.
Please click here: https://mli10.investmet.com/cache/doclib/LifeMarketing/Flash/GLT_cont/GLT.html
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