- 4,132
I've been kicking this around in my head the last week or so. When we write life for a client, do we or should we write to solve all problems or get them through the problem (death)? What I mean is do we create a face amount that solves everything for the client completely vs. help the family recover from the death?
If we write a plan that solves all their problems, does that create a new problem in doing so? Are we doing the right thing by creating a plan that takes care of everything for the client's family, so the family never have to do anything again?
I ask this because I have experienced a client (servicing agent for) who called me one day to check the status of his policy, how much face, how the beneficiaries were set up and so on. A basic normal conversation. I was the last conversation he had. Shortly after he said goodbye, he hung himself.
He felt that his policy would solve all the problems in his life for those he loved. This was years ago and clearly it still effects me to this day.
When we work with a client do we or should we temper our advice in such a way that we don't create too perfect a solution to early death? Should we insure someone in such a way (amount wise) that encourages the client to work everyday and come home? vs. a plan that takes care of everything if they don't?
What do you guys/gals think?
If we write a plan that solves all their problems, does that create a new problem in doing so? Are we doing the right thing by creating a plan that takes care of everything for the client's family, so the family never have to do anything again?
I ask this because I have experienced a client (servicing agent for) who called me one day to check the status of his policy, how much face, how the beneficiaries were set up and so on. A basic normal conversation. I was the last conversation he had. Shortly after he said goodbye, he hung himself.
He felt that his policy would solve all the problems in his life for those he loved. This was years ago and clearly it still effects me to this day.
When we work with a client do we or should we temper our advice in such a way that we don't create too perfect a solution to early death? Should we insure someone in such a way (amount wise) that encourages the client to work everyday and come home? vs. a plan that takes care of everything if they don't?
What do you guys/gals think?