Love Insurance

Thank God for Life Insurance?

2021 has been an illuminating year! I am grateful that I chose the Career Path as a Life Insurance Professional & Advocate!?

I was thrusted into the financial world in 1999/2000 by necessity of needing a job, I began the journey with Wells Fargo as a Sr. Banking Officer with a portfolio of 250 high valued clients. I quickly realized the opportunities for growth before me. I chose to engage the challenge.

During this Professional evolution I’m constantly presented?with options/opportunities for growth... I ask myself the following questions:

• Do I accept the status quo, or do I do what I feel is Right?
• Do I do a job, or be a consultant?
• Do I fall in line, or meet the challenge?

Fast forward to April 2010 every choice I made led me to my life today!?

I was constantly told I couldn’t be an Independent Insurance Professional. I followed my convictions of independence in the Insurance Industry which led me to my current associations and relationship with the Fitz Group (my chosen family) since 2015.

My current situation~ This was the first year in 11 years; that I witnessed and delivered checks to the families of their loved ones.

It doesn't bring them back, nor does it lessen the pain of the loved ones absents, however, the money the loved ones acquired for their families via Life Insurance makes the journey a little lighter.?

I was personally impacted by the power of Love via Life Insurance; On December 22nd at 8a my aunt, only 65 years old succumbed to a brain infection.

Thank God for Life Insurance

Update ~ February 2022

As we (my family and I) walk through this process in an active haze; I realized I must remain grateful, while being of service to my family.

What I have learned and experienced during this journey

• Breathe with Gratitude
• Understand that everyone experiences life & death differently
• Love them Where they are; How they are for Who they are becoming.

Information that may be of support to others during an emotionally arduous time.

• Make sure the family leader(s) know what the directives are while individuals are of sound mind.
• Make sure to have a named point person(s) that the family can reach out to during and after this time; ideal 2 to 3 people to share in the responsibilities.

Questions to have answers to:

• Where are the insurance papers, banking information & final wishes
• During this Covid time someone must maintain weekly communication with the Nursing Home, Home Health Aid, Final Support Staff /Hospice

Key things to ask ~ What kind of services they'd like to have and where would they like to spend their final hours?

In most instances we don't pass immediately; the point person(s) would need to know the details of any/all the Long-term care benefits, Living benefits with in the Insurance policies as well as the name of the Broker or Agent(s). Example: I was unable to locate my Aunt's Agent with Transamerica, due to the fact that I am a Senior Broker I knew what to do, who to call and what to ask.

The point person must complete the following Key Task(s)

Key Task:

• The point person(s) need social security number, birthdate and policy information as well as all beneficiary (s) social security number(s) birthdates.
• Names of All Insurance Companies, Agents and/or Brokers to support you through the entire process.
• Contact your Estate Attorney (if you have one) for guidance and immediate next steps.
• Maintain daily & weekly check in's throughout the process with doctors, hospice providers & family.
• Remember to take care of yourself even more than you would normally due to the additional responsibilities & duties that must be executed to the best of your abilities.

What I wish I knew.

• How respond to doctors in the moments when it was necessary to make life changing decisions. Have directives and individual who are emotionally available to complete responsibilities in a timely manor.
• How to share the news with family I knew may not be able to come. Making calls, sending family emails & Zoom meetings all provide optimal communication options.
• How to help the remaining spouse through the worse period of their life. Make yourself available, yes it may be inconvenient but very important to the mental health of your loved one.

What I can do:

• Take care of my uncle, by calling and ask how he is, while continuing this journey that is life without his life partner.
• Keep a pulse on the entire process with the Funeral Home, Transamerica while keeping my uncle informed weekly.

We received my Aunt Ashes 48 days after she passed, are still in the process with Transamerica and the Funeral Home.

I hope this journal lends support and understanding for those who have yet to walk in our shoes.

Until next time, love on your loved ones like today is the last day that you'll get to share how much they mean to you.

In Gratitude Dawnn