I had the occasion to work with a wonderful family earlier in my career in which the patriarch absolutely did not want to purchase much needed insurance. His family and I after months of follow up finally convinced him to obtain coverage to replace his economic value to his family. A year later this gentleman developed cancer and over the following months would hug, kiss, and thank me because he knew that when he went to heaven his wife would be taken care for. After his passing his wife was still so thankful that she submitted a letter to the local newspaper in which she told her story, thanked me again, and encouraged readers to review their insurance needs.