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Good point... had you done a 1035 exchange, the poor bloke would still be alive...
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how come you did not write a term plan with a higher face amount....and how come you did not do a 1035 exchange on the $800 into the new policy....
My moment was when I got a call from a 33 year old young man that had just been diagnosed with Hepatitis C.......I had sold him a plan that didn't have a limit on transplant or Rx -- other than the plan limit of $5M.
For me, it's what I didn't do...
My college roommate referred me to his father, a city counselman of a local town. He heard him mention his inadequate life insurance at dinner once and told me to call him. So I did...3 times. Every time he was too busy to speak to me and was short on the phone. I left a few messages and just gave up.
18 months later he unexpectedly passed away from hemochromatosis. I felt like ****....like I didn't try hard enough.
I attended his funeral and his wife (my friends mother) asked me if I ever had the conversation with him since she heard a few messages from me on the answering machine...I said no...we never got together. She gave me a hug and asked me to never stop doing what I'm doing.
That's when life insurance became an emotional sale for me, not a transactional one.
I guess I didn't make it clear, he signed with me two years before he was diagnosed with the Hep C. No pre - existing because there weren't any symptoms, he wasn't aware of it or hadn't sought treatment for it. They are currently paying all his bills without any argument so I know what I'm talking about.
My moment was when I got a call from a 33 year old young man that had just been diagnosed with Hepatitis C. ....
This young man had received two blood transfusions when he was 6 months old that saved his life but gave him Hep C.