I recently heard a story about a widow who’s husband had forgotten to put her name as the beneficiary on his life insurance policy. The previous wife felt entitled to the death claim and because of it, the woman had to take out a loan to afford the funeral. I think about how she must’ve felt and how easily that could have been avoided.

Our personal lines clients are families and friends. We check in with them and ask questions to see if we can’t help lower their premiums. And as we do that, we get to know them. If you have a relationship with your independent insurance broker, these sorts of honest mistakes that can happen become a lot less likely.