Agent Blog: Life is Not Certain, But Certainly is a Gift

Read how a phone call from a customer helped a Matrix Direct agent better appreciate how precious life is.

By Jenelle Humbard

Matrix Direct Licensed Life Insurance Agent

As a life insurance agent at Matrix Direct, I always try to engage with my clients right up front by asking, "What prompted or inspired you to start looking into life insurance?" Most of the time, they have heard an advertisement on the radio or seen a commercial on TV and called in to hear what life insurance is all about.

I can understand when my clients are unsure of the clear-cut need for life insurance or are hesitant or confused about purchasing a policy. This is not a purchase most people like to think about, nor do many ever feel they will need life insurance any time soon.

But there was a particular afternoon when I received a call from a client who was not at all hesitant or unsure about her need for life insurance. This client was definitely ready to move forward in protecting her family.

When I initially asked her the reason she was looking into life insurance, she responded, "no one should ever have to experience financial devastation while mourning the loss of a loved one."

My client, a 61-year-old nurse who lived in California in a beautiful home with her husband and her four young adopted children, shared with me the struggles she and her family had endured.

Two of the adopted children had special needs and would forever be confined to wheelchairs. My client came to adopt these children a few years earlier after being their foster parent for many months. Shortly after the adoptions, her husband unexpectedly lost his job.

My client resumed working full-time as a nurse to try and make ends meet. Every penny that came in was accounted for to ensure that her children had a roof over their heads, their medical issues were cared for, and all mouths were fed.

Never in a million years did she think that through all of these trials, more devastation would pile on. One day, my client's 22-year-old daughter unexpectedly died of heart failure. My heart broke for my client as she started to cry over the phone and explain how difficult it was to have to bury her daughter as inexpensively as possible. "I wanted to give her the very best, give her one last beautiful hoorah, but I couldn't. I could barely give her anything," my client explained.

I consoled her and reassured her that she would never have to experience that particular feeling again. Moving forward, we put together a perfect plan of life insurance coverage for the entire family that fit into their budget. At the end of the call, my client thanked me for the peace of mind that she now had in knowing that if she or any of her family members passed away, financial devastation will not be part of the grieving process.

Talking with my client reminded that life is not certain, but certainly is a gift.

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