This is one fascinating world we live in. I see so many people that bend over backwards to make sure that no matter what happens, their family will not miss a financial beat. They recognize and care deeply about what would happen if they didn’t show up at the breakfast table tomorrow.

On the other side of the coin are those who I swear, if all they had to do was take an exam and the life insurance was free, they would find an excuse to make it too hard to accomplish. Nooo, I don’t have free life insurance! And I’m not leading up to return of premium term insurance. But, honestly, I’m not sure it would make any difference in those who are on the don’t need it side of the fence anyway.

I would get a lot more customers from the need it and want it side. Those that already see value would see an extreme value and jump on it.

Bottom line. Just whining. It’s not that I don’t have plenty of business. It just rubs me the wrong way to see people turn their backs on their responsibilities.