On October 7 and 8 I found myself in French Lick, IN at the
French Lick Resort participating in the Fall Meeting for the Kentucky - Southern Indiana Northwestern Mutual Financial Services Agency. My topic for this meeting was "Death Benefit Delivery: What Do I Do Now?"
Part of the work I do with life insurance and financial services professionals focuses on informed, compassionate and caring delivery of benefits to beneficiary families in the aftermath of the death of an insured loved one. As is often the case, I was available for the remainder of the meeting beyond my presentation which gave me time to visit with individual agents. During the comfort of small group or one-on-one conversations, I routinely hear personal stories from agents. This trip was no different.
On this particular trip, I found a common thread in three of the stories that I would like to share with you.
The Hole in My Heart ~ Jim (not his real name) was fifteen when his life was altered forever. Coming home from school on a fall afternoon, Jim anticipated a late afternoon game of catch with his father, a local minister. Seeing the family vehicle gone, he assumed that his dad had been called out to perform some ministerial duty. As he walked into the kitchen, his mother said, "I told your father that you would be home soon ~ that he should wait to make the call. It wasn't an emergency after all, but you know your father." Jim indicated that he knew what she meant.
Instead of going outside, he decided to lie down on his bed and rest. He went into his room, turned on the radio and stretched out for a quick nap. Living in a small town meant that local news was a big deal. Jim closed his eyes and began listening to the music. At the very moment the DJ broke in with the words, "We have a breaking story," Jim sat bolt upright in bed ~ an eerie sense of impending doom sweeping over him. At some level, he KNEW that the breaking story had something to do with his father.
the DJ indicated that there had been a fatality accident on the Interstate and that traffic was backed up in both directions. Jim immediately ran to the kitchen where his mother's face confirmed that they shared matching intuition about the news.
Within about 20 minutes, the local sheriff showed up at their house and shared that Jim's dad had indeed been involved in the accident and was pronounced dead at the scene.
As I sat across from Jim, his eyes drifted back to a time that created an enormous amount of pain in his life. After a moment' silence he said, "That day tore a hole in my heart that exists even today . . . that experience is why I chose to be in the life insurance business."
Someone Make the Dog Stop Barking ~ Tammy (not her real name) picked me up from the airport in Louisville, KY. During the hour drive north to the resort, we had a chance to visit and exchange a few life stories. Tammy is an exceedingly energetic and intelligent young woman ~ articulate, driven, excited about her work! I asked about what attracted her to the life insurance business and she shared her heart.
It seems that when Tammy was ten years old, her mother suffered a heart attack early on a Saturday morning. She awoke to the realization that something was not right when the dog would not stop barking. She recalled saying, "Would someone make the dog be quiet please? Please?" She said this several times with no response. She got up out of bed, opened her bedroom door and walked to the railing outside her second story room. As she looked down, she saw her mother being wheeled out on a gurney. Her father spoke not a word as she was left alone in the house ~ confused, dazed, scared.
In a few minutes, a neighbor came in and stayed with Tammy until her father returned with the news that her mother had not survived. That news did not make sense ~ it did not sink in! She had difficulty embracing what she was told. She does not remember the funeral. She does not remember the first several months after her mother's death. She indicated that her mother traveled a lot for her job so it was not unusual for her to be gone for days at a time.
Tammy shared that almost a year after her mother's death, she awoke on a Saturday morning to the barking of her dog. In that moment, the entire scene from a year before came flooding back and she sat on her bed and wept ~ alone.
Tammy shared that although her memories of high school without her mother are sketchy she knows that the experience shaped her life. In fact, she shared that the reason she works in the life insurance business is as a direct result of her mother's death. She runs the "Client Service Center" where "orphan" policy holders (clients who bought a policy from an agent who is no longer in the business) find service, guidance and direction when they have a need related to life insurance. Oh, as part of her work, she helps to process approximately 400 death claims a year . . .
My Brother . . . ~ The final story I share today is brief. Frank (not his real name) sat listening to the stories of others in a group and then touched my shoulder. He said, "Let me tell you about my brother. He is why I do what I do today."
It seems that when Frank was twelve, his seventeen year old brother was killed in an automobile accident. Frank adored, idolized and worshipped his brother. When he died, Frank was devastated ~ not to mention that his family was crushed as well!
Tears welled in Frank's eyes as he worked to recount the experience. He struggled to piece together a sentence that was not punctuated by attempts to swallow back sobs of grief. Finally, Frank gave up. He looked a me and with tears flowing freely down his cheeks, said, "I'm here because of my brother. I don't want what happened to my family after his death happen to other families." With that he ducked his head and wept silently. I put my arm around his shoulder, hugged him tightly and shed a tear of my own.
The common thread? All three of these amazing adults chose to invest their hearts, souls and professionalism into a business that addresses the unwanted, the unthinkable, the inevitable as a result of their loss experiences as children or teens.
Just three more reasons why
"Every Step Has a Story" is so important.
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