Tag Archives: Brad Hanners

Brad Hanners

Brad HannersI called on an A1 lead that was a few months old.  The gentleman’s name was Richard Fletcher. On that lead there was a note stating “Richard’s dad is sick with cancer”.  Ironically the day I called him, February 14Th (Valentine’s Day), his dad had passed away earlier that morning.  I said my condolences and he said it was something he needed to look into so that when his time came, he did not want to be a financial burden on his family like his father who literally just died was going to be on him.  I booked the appointment.

Driving to the appointment I knew this area was a very low income town because I grew up about 5 miles away from it.  I pulled into a small trailer park development which made me immediately begin to assume that I was not going to be able to make a sale because they would have no disposable income. We all know what happens when we assume… Richard greeted me at the door and I sat down with him and his wife Nancy.  Richard went into talking about how times were rough and he was struggling finding consistent work.  He told me how he was a general contractor and that he mainly worked on houses fixing them up for new tenants.  I made an immediate connection with him because during my college days I too did the same type of work.  He then took me around his small trailer showing me all the work he had recently completed on it.  Richard was one of those individuals who took pride in his work.  It was now time to get down to business.  I went through my presentation and found a plan for both him and Nancy that they felt they could comfortably afford.

I then went over with them the ERS form and what its purpose was.  It was then that Nancy disclosed with me her story that in 1991 she was married to another man who had life insurance on himself.  He was killed in a drive-by shooting.  Nancy said after he died she had trouble finding his policy and to make a long story short, was unable to ever collect the death benefit on her murdered husband.  She was not even sure how much it was worth… 10k, 15k, maybe 20k.  I’m not sure about the rest of the life insurance agents out there but this really bothered me.  Every appointment I’ve ever been on in my 3 years into the business, I make sure to over compensate that I am a trustworthy agent, friend, and human being to each one of my clients.  I wanted to know why the agent who they worked with back in 1991 was not just like me.  To make a long story short, Nancy gave me the last name of the agent and his company he worked with.  I told her with my resources I hoped to find an answer for her, even if it was to inform her that the policy she thought she once had was not actually in force.  Really though, I wanted to speak to this life insurance agent whom they put their trust into and find out why he failed them… either by not making sure they received their claim or at the very least let their policies lapse.  I told Nancy as I left their home that I would come back out in about 2 weeks to go over their policies and at that appointment would hopefully have an answer to her question.

After their appointment I was going straight to the office to drop off their policies.  Richard was nice and told me where a nearby Tim Hortons was because I wanted to grab a cup of coffee.  It was there at Tim Hortons that I decided to pull out my phone and start to find some answers.  I was there for a full hour making calls to numerous different insurance carriers because the company they had their policies with in 1991 was bought out numerous times by other companies.  Finally I tracked down the correct carrier.  Of course, because of HIPPA laws they were unable to disclose any information about a policy with anyone other than the client.  But I was very happy to give Nancy a call and tell her I had found the right number for her to call and find out what exactly she had or possibly not had waiting for her.  I also told her the insurance agent she worked with then was no longer working as a life insurance agent…go figure.

That night after I dropped off their policies at our office I was driving home and received a call from Richard.  He was ecstatic!  He told me that Nancy was wrong when she thought she had a 10k, 15k, or even maybe a 20k policy on her deceased husband.  It was actually a $25,000 policy.

These people needed that money more than most people out there.  The more important thing is that because of them being simple minded and having a crappy insurance agent 20 years ago, they would’ve never seen the money that was rightfully theirs.  It’s the small things we can do for our clients that really make our jobs worthwhile.  Oh by the way… I told you how I used to do similar work like Richard when I was in college.  I made a call to the gentleman I worked for in college, Jeff, and told him about Richard.  Richard called me the other night thanking me again because he was hired by Jeff.

Brad Hanners

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