Daily Archives: September 20, 2011

So..what do you say now?

In my line of work, I meet many different people.  People from all walks of life, all races, religions, and temperaments.  I meet those I trust and I meet those I…not so much.  One of the great things about that is that each of these individuals has different needs/wants/questions/ and issues that need to be addressed.  It just so happens that with what I do for a living, I can address quite a few of those.  Fun!

So, this afternoon I had an appointment…

My secondary office...

As I waited for them to arrive I sat amongst others on the square having coffee, tea, pastries, sandwiches, and great conversation.  I won’t lie…most of the time I come there just so I can listen in.  Yes, that makes me bad.  Of course, most of you do the same when you are sitting in a coffee shop…don’t lie!

Finally, through the front door, my clients arrived.  I had met the wife before…at a networking event here in town…but never the husband.  I was shocked at what I saw….

How did THAT happen?

Yeah…kinda like that.  She is tall and pretty and he was…well…not?  Anyway, sorry, that is not appropriate or nice.  Of course, what happened next made me feel a little better about thinking that then…and typing it now.

Both sat down and, get this, SHE pulled out his chair so he could sit down then asked if he wanted something to drink.  He, very intelligently, said “Urgh”.  I’m supposing this was some sort of Trollish language from whatever rock he came out from under, but she seemed to understand it.  It apparently meant “No thank you hun”.

As they sat there, I began to discuss with them the life insurance policies I put together after meeting with her two weeks ago.  Life insurance,  many times, is something initiated by the female spouse…so this was nothing new.  As I began to talk, he grew increasingly uncomfortable.  I could tell, I could see his eyes fidgeting, his hands twitching, and his forehead sweating.  Finally, I decided to do something.  I closed up my Ipad, stopped the discussion, looked straight at him and asked:

“Is everything okay?  You seem a bit unnerved by this conversation.”

You see, it is life insurance…many get a little wary or uncomfortable discussing it even though they see a major need for it.  I’m used to that….hence the question.  His response to me…ready for it?

Are you?

“I just don’t see the need for it.  If I dies, she is hot, she can get remarried.  I don’t really want to give her ANY money if I’m gone.  I mean, heck, how do I benefit from that?”  

At first, I kinda laughed…or chuckled may be the better term for it.  I hadn’t met him before, but I thought he was probably just making one of those jokes we make at the expense of our spouse…to kinda needle them and get under their skin.  I sat there, smiled, and waited for the “just kidding” to come but it didn’t!  So, I asked him if he was serious.  They have a giant house, FOUR kiddos under 15, and a ton of debt.  He said “Damn right I’m serious…look at her, I’m not paying for Enrique’s vacation with my wife if I ‘bite the big one’.

At that point, I did something I rarely do and probably most wouldn’t do.  I stood up, gathered my things, shook the Mrs. hand, and told him the following (in so many words):  Sir, you are a parents of four great kids, you have a great home, a great wife, and a ton of debt.  If you pass away, you will be leaving them to sort out all of the mess.  I met with y’all because I was asked to do so…not because I came after you.  I, honestly, only work with nice people and frankly you don’t seem to fit that bill.  When you are ready to get serious about this, please let me know.

I left.  You see, this is an important thing for me.  If someone doesn’t want to protect their family…that’s fine..we all have our reasons.  BUT…to give that excuse as the reason for not taking care of them, I won’t be part of it.

So, here to hoping the rest of the day is more pleasant.  I will keep you up to date on whether or not they call back.  I have a sneaking suspicion they will.



Fun scootering in the morning!


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