Originally Posted by
SpaceGhost2K-XBA
I don't even know what to say. Money's tight everywhere and some people don't understand the importance of the situation you're in.
I'm going to say something, and it might seem insensitive, but please understand that I'm discussing the situation in general, and not your situation specifically, okay?
My "job" at the moment, such as it is, is selling burial insurance. Burial Insurance, or what is also called "Final Expense" insurance, is life insurance less than $20,000 which is generally used to cover ones funeral and other loose ends. The reason I do this is so that someone in my home town won't have to go through what you're going through, because as I'm sure you're currently well aware, it's a devestating event. Every weekend there's some family on a street corner holding a car wash to pay for a family member's funeral. They could have been paying $20 a month so that when something unexpected like this comes up (and people act like it never will and it ALWAYS does), that they don't have to sell homes and cars to bury a family member. Plus, I can't imagine having to go through the mental turmoil of losing a loved one, and then having to go sell BBQ or wash cars, too.
We never go knock on doors. People call in after seeing tv commercials or returning cards that go out into the mail. We never "try to sell" insurance. We respond to people who inquire, and they either do it or don't. One family lost three members through sickness and tragedy in a six week period. The first one they scraped up enough money to have a nice funeral. Then almost immediately, they lost another one and panicked. It was all they could do to come up with enough to get him buried at all. And then when the third one was lost, they were devestated. They had wiped out everything and had nothing left. They had car washes and bbq's just to get enough to get him cremated. They couldn't afford a funeral. They called us and insured everybody in their family because with one more loss, they would have had to resort to selling their home... and that's not going to happen in 48 hours, or even two weeks, so it's useless for taking care of a funeral.
So everybody, please don't take this as a sale pitch or something. If you're not within driving distance where I could come see you, I couldn't sell it to you anyway. But if you DO decide to do something to keep from having to go through this and you're looking into insurance. DO NOT let someone talk you into TERM insurance. TERM insurance will stop - possibly before anything happens to you and you'll be out all that money. Get WHOLE LIFE only. And if you don't meet your agent in person, you WILL - BY LAW - have to pay for two years before youre insured. Make sure if you get it, it's immediate coverage.
I'll leave it at that, and if anyone has any questions or anything PM me. Again, I'm not selling anything to anyone, but if I can share some of my knowledge with someone, I'd be happy to.
=( I'm selling my ENTIRE faceplate collection
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