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Just in Time
One of our past clients was a financial planner working for a well know company. We managed the insurance for his autos, his home and knowing he was a financial planner, assumed he had his life insurance in order. "I don't have any life insurance", he said.

He knew that of all people, he should have life insurance but he stated that he had not gotten around to purchasing a life insurance policy. At age 34, he was about to become a father to a beautiful little girl. We were determined to encourage him to buy a life insurance policy… from us or from himself.

After a few months, our client agreed to purchase a $500,000 20-year term life insurance policy through our office. It was April of 2005 and our client walked-in with his 3-month- old daughter to sign his life insurance application. Having the flexibility to do so, he spent his work days with his daughter while mom was at work. After a few short minutes and after everyone in our office had a chance to visit with our client and his daughter, our client was able to walk out of our office with the peace of mind that if anything happened to him, his wife and daughter would have the financial means to continue without him.

Before we knew it, August was upon us and the rush to complete the back to school shopping was well underway. It had been 4 months since our client was in our office with his daughter, signing his insurance application. On August 24th, a call came in to our office. Our client had suffered a massive heart attack and was on life support in the intensive care unit at a local hospital. The first question that his family asked was "Does he have life insurance?" I cannot conceive how I would have felt if I would have had to answer "No... he does not."

Our client passed away later that day at the age of 34 and his wife and new daughter would have to continue without him. We hope that we never have to experience a loss so tragic again; however we are grateful that we were able to help our client "prepare" for the unexpected. A few weeks later, our client's widow, received a check for $500,000

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