[Rick Lee]

Ok, Sugar-can't-read-wood is going off to ignore.

Here's another one I just got off the phone with. Closed these two chain smokers a few months ago. Wife has a heart med (in addition to nitro and insulin) that most companies auto-decline. The cheapest company in AZ will take it, BUT they don't accept credit or debit cards. No prob. He gave me his bank routing and checking acct numbers. He keeps bouncing payments and called to cancel because of the NSF fees. He just told me I used the wrong bank account number. I asked how I could possibly have an acct number of his other than that which he had given me (and signed a form for). Turns out he has two checking accounts at the same bank and gave me the acct. # for the one he rarely has any money in. That's my fault? I even told him the insurance company would reimburse those NSFs, but he's so angry that he wants to cancel, told me he has appts with two other final expense agents next week. I told him he 1) will likely not find a company that will take his wife's heart meds, 2) if he does, they won't take card payments and 3) if they do take card payments, it will be far more expensive than the policy I wrote him. Again, this is why they're poor.