Childhood lessons make impressions for life
I grew up in the insurance business and have a dad who’s been an agent with another company for 30 years. I started in the business when I was 22 and joined American Family last year. My dad taught me the true role of an insurance professional.
As a kid, I would watch him interact with customers after school, and I even tagged along with him to funerals. At the time, I was often bored, but as I got older I started to see and understand things differently. He was, and remains, a trusted adviser in the community.
I grew up in a small town, so my sister and I would walk to his office after school and do our homework in his conference room. I was about 10 or 11 years old at the time – old enough to have a very basic understanding of what insurance is (mostly auto insurance -- when there’s a car accident, an insurance company pays to fix it).
One day, I got a very real and emotional understanding of what my dad did for a living. My sister and I walked down the hall to his conference room and passed his office on the way. The office door was closed, but I could hear voices of adults and small children. My sister and I could hear muffled sounds coming from his office. It sounded like a woman crying and little kids whimpering.
When his office door opened, I peeked down the hallway to see who was in there with him. It was a woman and her two children (3 and 5 years old). The woman was very emotional and you could tell she was crying. Her kids were holding onto her pant leg, while my dad gave the woman a big hug.
After they left, I went into dad’s office and asked him why the woman was crying. My dad had his back to me in his chair and as he turned around I realized he was pretty upset as well. He looked at me (I’ll never forget the emotion in his face) and said, “Son, that woman and her children lost their husband and dad in a car accident last week. I just told them that the mortgage was paid off, the cars were paid off, the kids’ college was paid for and mom could stay home and raise the children.”
Dad later told me the man who died hadn’t told his wife he had purchased such a large life insurance policy. Apparently, Dad greeted the woman at the funeral and told her she needed to come by his office when she was ready. She thought her husband had enough life insurance for the burial and maybe a little more. She had no idea there would be enough to pay off the mortgage, cover the kids’ college educations and supplement her income.
That experience has always stayed with me. It’s not only a reminder of how precious life is, but how important life insurance is. I believe it’s my job to bring up the subject with all my customers, educate them about life and provide life insurance options to meet their needs.
I still get a little emotional telling this story – even though I’ve told it a thousand times!