Buzz, How long have you had a Group 1 Insurance license? And how long ago when you were burned by an unscrupulus Agent? I can not speak to Funeral home situations in your end of the world, But down here the locally owned, Mom and Pop Funeral home are an extreme rarity! By-in -large they are the mega Corps so When a family comes in, the first sentence out of the Funeral Directors mouth is....How are you going to pay for your Lovedones funeral? The old line of we will get you paid some how doesn't cut it! It is now Cash-On-The-Barrelhead! The small 3k to 15k have become even more inportant, even now during tougher economic times. I speak to families DAILY who have have empties out what little savings they had, passed the hat, benefit BBQs, sold precious family heirlooms, Or in plain fact just never had enough $ to save any for funerals! I do agree with you that the average Joe or Jane has the mental ability to do Death certificate work to get their survivor benefit. At the time of a the loss the easiest solution and most logical are small policies to do just that. Most wives are just not in a mind set to do this sort of work when their Husband have just died. No I do not advocate taking large policies to the funeral home, just what is needed today and the farseeable future. Insurance Is a little more complicated that you think and understand! That I why I as others are required to have a License and take Continuing Education Classes every 2 yrs (30hrs here in Texas) Yes, My Industry has more than its fair share of unscrupioulus agents and T.D.I.( Texas Dept. of Ins.) works hard to weed them out. By in large Others and myself work hard in ethical ways to help our clients in all Ins matters. I am sorry you have not had caring agents like Myself to help you in your affairs. There is a time and place for most all policies, there are no good or bad ones, just misaplications of the policies and a real understanding of the reason for what is being done. To your last statement about Ins being a wager, No!........ Insurance protects your family if you die too soon! and protects You if you live too long. Later, John A.
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Today's Featured Article - Third Brush Generators - by Chris Pratt. While I love straightening sheet metal, cleaning, and painting old tractors, I use every excuse to avoid working on the on the electrics. I find the whole process sheer mystery. I have picked up and attempted to read every auto and farm electrics book with no improvement in the situation. They all seem to start with a chapter entitled "Theory of Electricity". After a few paragraphs I usually close the book and go back to banging out dents. A good friend and I were recently discussing our tractor electrical systems when he stated "I figure it all comes back to applying Ohms Law". At this point
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