[Rick Lee]

Had two interesting ones today, actually three.

First one was in one of the worst ghetto apt complexes I've been in, and that's saying something. I wanted a rifle, not just a pistol. Anyway, lady was 63, pretty normal looking and in good health, apt. was sketchy, but not too bad. She went on and on about how she had $100k whole life for $75/mo and had had it for a long time. She wouldn't go get the policy papers to show me. So I asked if the price had ever changed. Yup, goes up every five years. Ok, that's not whole life. It's probably term. I told her it would cancel her around age 80 if she didn't quit first once it got too expensive. She didn't believe me, said they told her she could "convert it to something" once she turns 70. Again, lady, that's not whole life. You're on a low, fixed income and you have a likely term policy that will absolutely skyrocket in price, making you quit. At that point you may be able to afford a tiny whole policy IF you're still healthy. I knew it was a lost cause, but only stayed as long as I did, hoping her daughter in the next room would overhear us and later ask her mom what she really had.

Next one was 56 and in current chemo for ovarian cancer. That makes it real simple - guaranteed issue and I closed her. Her roommate was 80 and asked me to look over her policy. She'd had it for 10 yrs. and I knew the company well, told her to hold onto it for dear life, never let it go and that I couldn't help her. She was very thankful.

Next one was a woman who didn't seem right in the head, though she was very enthusiastic about setting the appt. Turns out she had bought a policy a month ago and been diagnosed with dementia two weeks ago. Dementia is a knockout with that company, so I'm not sure if it would really cover her and I'm going back tomorrow to get the full story and meds from her daughter.