When I first moved out to the SCV I remember learning about one of my old schoolmates who had also moved out here in the valley.  I'm sure for all the same reasons most young families moved out here.  I would soon learn tragically of his sudden death at the age of  37.  I could not believe it, he was so young!.  He had a great job at the studios, had recently married, was a new father and living what most would call the "American Dream".  I learned one day he just collapsed at home and died.  I often wondered what had happened to his wife and child as they moved shortly after his passing?.

A few years later by chance, a friend was sharing the story of his fiancé and how she was widowed and it sounded like my friend.   I asked was his name by chance (Friend's name) He said "yes" how did you know, did you know him"?  Yes, what a small world  we were schoolmates!  He later introduced me to his fiancé and I later learned the other tragedy that unfolded after my friend's death.  If having to deal with his sudden death were not bad enough his wife shared that she was faced with having to pay for his funeral, pay the bills, including the mortgage.  She was a stay at home mom at the time and soon after his death was overwhelmed financially and was unable to pay her mortgage.  She eventually lost her home and had to move back with relatives.  That left a huge impression on me as I also have a young family and I began to wonder what would I leave behind? If something similar happened to me? 

I am often reminded of my friend, his wife and child and what had happened to them. I can only assume his agent failed to have this necessary conversation with him?  The second tragedy could have been prevented with proper coverage which would have provided his family with the needed monthly income to sustain them financially.  Monday morning quarterbacking does nothing for all parties.  That is why it's so important to have an in depth discussion about those you love and how to protect them.

So when you ask why I recommend a particular policy or coverage it's not to sell insurance!  It's never having to share a story like this about one of my own clients, because the tragedy of losing someone you love is bad enough.

May the source be with you.

The thoughts, views, and opinions expressed, are strictly my own and do not reflect those of the entitles I represent as an Independent Agent.

Do you love your agent?  All Rights Reserved     Pablo Santibanez    Copyright 2008