Dear Pre-Paid Funeral Salesperson

 In Blog

Sorry – Not Sorry

A recent call to my office was from a 70-year-old retiree on a fixed income. She asked about life insurance and whether she could do better than what she had. Since she did not have the policies in front of her and did not know all the details, I offered to meet her in her home and help her see what she has.

011-300x201I told her on the phone that what I would do is look at what she has, determine what she needs, and then see if it makes sense to do anything at all. I explained that I only get paid if she buys insurance from me but that my primary goal is to help her with knowledge to make an informed decision.

When I arrived, she had all her policies on the table. That’s when I discovered that she had been visited recently by a salesperson and had signed up for a pre-paid funeral plan. In total, she had seven policies, whole life, cancer, hospital, and now this prepaid funeral policy. I must say that my blood was starting to boil a bit.

It took a little digging since these policies were all jammed into the same folder. I discovered that her whole life policies totaled about $29,000 and had cash values of roughly $4500. She has few expenses, no debt, no dependents and few assets.

My advice to her took two tracks. First, I told her that if she were my mother I would tell her that I don’t need her money, cash in the policies, put the cash value into a savings account maybe build it up a few hundred more if she wants, and leave it. Second was that, since I could tell this hit a sensitive place and she wanted to leave something to her sons, I recommended that she does not need the funeral policy. Cancel that, go ahead and keep the life insurance and she’s good to go.

What I wanted to say was that the funeral policy should be taken to the salespersons home and shoved down their advantage-taking throat! How can you sleep at night taking $100 per month from this woman for something she DOES NOT NEED!!!!?

At the end of it all I made $0 dollars, she is best off staying with what she has if she even needs or wants life insurance still. She is over-insured but not hurting for money so, she can keep it if she wants.

But this funeral-selling jerk needs to know that I’m not sorry for ruining your sale. You should be ashamed.

See also:


Update 6/22/2018 another helpful article


Recommended Posts
Showing 31 comments
  • clothes shops

    Highly descriptive blog, I enjoyed that a lot. Will there be a part 2?

    • David Brukiewa

      No part 2. The story pretty well ended right there. Thanks for reading.

  • electronic shop

    Hello there, There’s no doubt that your blog might be having internet browser compatibility problems. When I take a look at your website in Safari, it looks fine but when opening in IE, it has some overlapping issues. I simply wanted to provide you with a quick heads up! Other than that, excellent blog!

  • buy stocks online

    Oh my goodness! Incredible article dude! Many thanks, However I am encountering problems with your RSS. I don’t understand why I am unable to subscribe to it. Is there anybody else getting the same RSS problems? Anybody who knows the solution can you kindly respond? Thanx!!

  • Reply

    I just like the valuable info you provide for your articles. I will bookmark your blog and take a look at once more right here regularly. I am fairly sure I will be informed plenty of new stuff right here! Best of luck for the next!

  • business news

    Admiring the dedication you put into your website and in depth information you provide. It’s nice to come across a blog every once in a while that isn’t the same out of date rehashed information. Wonderful read! I’ve bookmarked your site and I’m including your RSS feeds to my Google account.

  • Reply

    This is very interesting, You are a very skilled blogger. I have joined your rss feed and look forward to seeking more of your wonderful post. Also, I’ve shared your website in my social networks!

  • Reply

    Good post. I learn something totally new and challenging on sites I stumbleupon everyday. It’s always useful to read articles from other writers and practice a little something from their websites.

  • home and family

    When I initially left a comment I appear to have clicked the -Notify me when new comments are added- checkbox and now each time a comment is added I recieve 4 emails with the exact same comment. Perhaps there is a means you can remove me from that service? Kudos!

  • sleep better

    Your way of telling the whole thing in this paragraph is truly good, all be capable of simply understand it, Thanks a lot.

  • jake jilennanal

    4dgAqP Very interesting points you have observed , regards for putting up. It is seldom that liberty of any kind is lost all at once. by David Hume.

  • eebest8

    “Great post however , I was wanting to know if you could write a litte more on this topic? I’d be very thankful if you could elaborate a little bit more. Many thanks!”

  • Deana Spanswick

    whoah this blog is magnificent i love reading your articles. Keep up the good work! You know, many people are hunting around for this information, you can aid them greatly.

  • Moises Tresler

    I have observed that of all varieties of insurance, medical care insurance is the most marked by controversy because of the issue between the insurance coverage company’s need to remain afloat and the client’s need to have insurance plan. Insurance companies’ commissions on overall health plans are certainly low, therefore some businesses struggle to make money. Thanks for the concepts you discuss through this website.

  • Roseline Egert

    I appreciate, cause I found exactly what I was looking for. You have ended my four day long hunt! God Bless you man. Have a nice day. Bye

  • her latest blog

    I just want to say I am just very new to blogging and seriously liked you’re web page. Most likely I’m likely to bookmark your blog post . You surely have fantastic writings. Thanks a lot for revealing your website page.

  • Karyn Veldhuizen

    Hi there, I found your web site via Google while searching for a related topic, your web site came up, it looks great. I have bookmarked it in my google bookmarks.

  • Shawanna Delorey

    Hey There. I found your blog using msn. This is a really well written article. I will be sure to bookmark it and return to read more of your useful info. Thanks for the post. I will definitely comeback.

  • Clifford Cruz

    Of course, what a great blog and revealing posts, I will bookmark your website.All the Best!

  • Grammarly Discount

    Say, you got a nice post. Will read on…

  • Reply

    Really enjoyed this article post.Really thank you! Fantastic.

  • Movies

    Muchos Gracias for your post.Really looking forward to read more. Really Cool.

  • Reply

    wow, awesome article.Really thank you! Cool.

  • Reply

    Really enjoyed this blog post.Thanks Again. Really Great.

  • address

    Fantastic article.Thanks Again. Really Cool.

  • dmca

    I do agree with all the ideas you have presented in your post. They are very convincing and will definitely work. Still, the posts are very short for newbies. Could you please extend them a little from next time? Thanks for the post.

  • fat dog Oompa

    Very good article.Really thank you! Keep writing.

  • BandarQ Online

    Thanks a lot for the blog article.Much thanks again. Will read on…

  • Empire Carpet

    Thanks a lot for the post.Thanks Again. Great.


    Hi thеre! Thіs post couldn’t be written аny Ьetter!

    Reading tһrough thіs post reminds me of mү previօᥙs roommate!
    Hе continually қept talking aboսt this. Ӏ most certainly ѡill forward thіѕ information tο
    him. Pretty ѕure һe’s going to have a great гead.
    Tһanks fоr sharing!

  • Target Heart Rate Calculator

    very nice post, i certainly love this website, keep on it

Leave a Comment

Start typing and press Enter to search