Wednesday, September 14, 2011

Does the Stay at Home Mom Need Life Insurance?

Insurance is not about the reality of both spouses in the real life story

A couple months ago I ran a gentleman that was sent to their own business. He was a very successful accountant has helped the people had to get out of trouble with the IRS. He is an incredibly hard working man and wonderful provider for his family was. When I initially met him in his office how I wanted to get himself informed about life insurance. If he happens to him because he was taking care of his wife and 5 children was concerned. Although he had no problem bringing home the bacon for his family, if it is almost impossible for it around to his wife was not her own.

This man was very inspiring to meet me.He also told me that each of their 5 children wanted to buy some life insurance.I was very impressed with the thought forward. Before I left my office, I asked "What about your wife?" I was wondering if he was not around, who will take care of children, the ultimate would be able to afford? He immediately saying that it was not a concern at the moment is to dismiss these questions. He said we will take care of him later. Busy man this time because I already had more than an hour, I decided to go.

Their children's policies were approved very quickly. Children's policies are generally. Child to an automatic approval based on the life insurance can get. Within 2 weeks I had my hand in policy.Two days went by and I did not hear him. I decided to try again and asked him a second time, still no answer. The next day he called me and apologized for me to return soon. He told me that his wife just a few days ago of a heart attack and passed away. He was laying on the couch with her children when she died.

It was completely unexpected for this man to lose his wife that week. Even when he had a heart attack, what happened to the children did not know until it was too late. They assumed he was just sleeping. On the phone he told me "I could use the fact that life insurance now." Come up when someone dies there were so many unexpected expenses.

The next time I came into my office, all his children were in the drawing room and the waiting game 5. He was working in the office. A man who had just lost his wife he was amazing, most likely because he was not an option. I sat there with her made me even more than my wife will be insured. Will bring peace of mind it will be invaluable. He can spend time with their children grief after the death rather than work for a week. I have a chance to me that this issue will never go again.

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