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Ann Reynolds – Insurance Brings Freedom

When Ann Reynolds’ husband, Mark, died in 2003, he left behind what seemed like a modest life insurance benefit. But it has made a world of difference in Ann’s life. Once an energetic human resources executive who power-walked five miles a day, Ann, 53, is confined to a wheel chair because of a degenerative back condition. Unable to work, she relies on a disability insurance policy she bought through her employer and Social Security payments, which together just manage to meet her living expenses. That’s where Mark’s life insurance benefit comes in.

CindyLu Rowe - Persistence Makes the Difference

With four young children, a wife with a modest income, a mortgage and some business debt, Mike Rowe had an obvious need for life insurance. But the family budget was stretched thin, and Mike didn’t think he could afford it.

Connie Hobson – Insurance Preserves a Family’s Way of Life

Bill Hobson had always been active. He met his wife, Connie, at a softball game in 1986 when she went to watch a friend play, but ended up watching Bill instead.

When Bill developed a weakness in his right hand in 2003, he and Connie thought it was a judo injury. It wasn’t, and his doctors delivered the devastating diagnosis: Lou Gehrig’s disease. Bill continued to work for several more years as a product demonstration specialist at AT&T, but eventually had to retire.

Dan Claus – Insurance Allows Dad to be a Dad

Peggy and Dan Claus always managed to make the best out of challenging situations. They found their first house, an abandoned century-old Victorian, in the path of a new highway. They paid to have it moved six miles away to a new lot, and with extensive renovations it became their dream home. When Peggy lost her job as a computer support specialist at a local bank, she started her own consulting firm and it quickly became a more rewarding career.

Dean Hoskins – A Timely Change of Heart

As a certified public accountant, Bryan Hoskins had a healthy respect for financial planning. He believed in investing wisely, particularly in stocks, but he didn’t think life insurance was a very good investment. "Bryan’s argument was he didn’t want to pay for something he wasn’t going to use," recalls his wife Dean. She knew better. She had majored in insurance risk management in college and worked for an insurance company. She understood that each of them needed life insurance protection, especially since their plan was to have children soon.

Dennis Danduran – Valuing Mom’s Contributions

Dennis and Jodie Danduran worked hard to create a storybook life for themselves. It began with Dennis, dressed as a prince and riding a white horse, proposing marriage on a Southern California beach. Unable to have children of their own, they adopted five in five years.

Before the kids arrived they moved from California to Colorado to escape big-city life. Dennis, a manager for an overnight shipping firm, stayed behind while waiting for a job transfer. It never came, so for three years Dennis commuted home every other weekend aboard his employer’s cargo jets.

Ebony and Shanna Blanchard – A Mother’s Wish

When Jackie Blanchard’s husband died at a young age, with only enough life insurance to pay for his funeral, Jackie vowed that her young daughters, Ebony and Shanna, would be financially secure if anything ever happened to her. To keep this promise, Jackie immediately scheduled an appointment with insurance agent Virginia Acosta, FICF. "She said she wanted the best insurance she could buy, and I made sure her family would be protected," says Virginia.

Frank Ames – Amid Grief, Many Silver Linings

While helping to build the Los Angeles subway system, Frank Ames was hit by a truck and injured so severely that he was no longer able to work at his construction job. Complications from the injury impacted his life in many ways. Even something seemingly as simple as buying life insurance became very difficult. With two small children, Frank and his wife, Laura, knew life insurance was a must.

Jessu Burch – A Single Mom’s Gift to Her Daughter

Lauri Turnes was struggling financially to make ends meet. She was a single mom who wanted to cancel her life insurance several times because of financial pressures, but her insurance agent cautioned against it. When money was especially tight, Lauri’s agent arranged for her to borrow money from the policy rather than cancel it, which allowed it to remain in force. Not long afterward, a car accident took Lauri’s life. Her life insurance and death benefit from her auto insurance policy have provided her daughter, Jessi, with financial security.

Jill McCarthy – Keeping a Roof Over Their Heads

Jill McCarthy’s father died in a work-related accident that left her mother and the children to fend for themselves. So when insurance agent Stuart Grossman met Jill during an employee presentation on insurance benefits at a local nursing home, he didn’t need to explain to her the value of insurance.

Jill and her husband Bob, a 37-year-old delivery truck driver, were in the process of buying a home. Each of them owned a small life insurance policy. But Jill, knowing the hardships that could befall a family, was determined to obtain additional protection.

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