[Rick Lee]

Most of what I dealt with today was trying to unwind the messes these people had made for themselves. The one deal I wrote, I was able to combine two existing policies into one for a modest monthly savings and get her about $1400 cash back. One I really should have been able to help (but you just can't fix stupid), the woman had bought a policy through State Farm 30 yrs. ago and leveraged it to the hilt. Her loan against her cash value was $11k and she wasn't even paying enough to make a dent in the interest. She was only 57 and in perfect health, so she would have been so much better off cashing out, letting me replace that policy and starting all over. She'd spend less per month for more coverage, plus get back whatever cash value was left and not have to worry about her interest eating up what was left of the other policy. She's gonna think about it. She lived in a pretty rough trailer park with her kids and grandkids. Not much upward mobility in that family.