[Rick Lee]

Here's another one from this week. The guy's daughter mailed in a lead card, I set the appt. and she gave me a different address than on the lead card, but said she'd be there with her dad. It was a Motel 6. I got there and the daughter wasn't there, had been called into work (bus driver). The poor guy was homeless, had afib and congestive heart failure, no bank account. I was sure it was a dead end. But I wrote him up a quote, took a photo of it and texted it to his daughter. She called to say she'd look it over and call me back a little later.

She called back later with her step-father, not the biological father I had met. Step-father introduces himself by saying, "I've been working in financial services for 40 yrs," which usually means to me he's a liar and/or an idiot. Step-father says, "I think I'm just gonna put $25k into a CD for him and that will cover it all." I was tempted to ask why a guy would do that for the biological father of his step-daughter and, if so, why not find him a place to live first? I told him the poor guy could only get a guaranteed issue policy that would have a two year wait. If he died in under two years, it would return all premium plus 10% (tax free), which was way better than any CD. If he died just after two years, the policy would pay $25k, while he'd only have paid in $4-5k in premium. The man insisted a CD was the better plan. I think his financial services career might be working a cash register and not being able to make change when there's an outage.