My friend’s wife "Cindy" is dying. She has about three months to live. They call it an environmental cancer: no family history, no genetic reason for this horrific sentence. Something along her path of life caused a few cells to go bad. So soon “Tim” and his three daughters will be navigating life without a wife and mother.
Tim is my friend, but he has also been my client for 18 years. His father was one of my father's clients, so we have had a long history with the family, as with many of our clients. We simply take care of things. We meet to review, we manage their risk and as their needs change, we make adjustments.
Tim owns an automotive repair shop. A couple of years ago, his claims history was pretty poor so we had to move him to a high-priced program. If an insurance company sees a trend of increased losses, it's not uncommon to have to go to a higher-risk carrier for a time until the claims activity settles down.
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