Category Archives: Insurance

How To Reduce Your Insurance Life Rate

When you request for an online life insurance quote, you can check costs by inputting various parameters. So, do these simple tests – input an age over 40 and invent some serious illness – now see the results. You will notice at once that a middle aged person or one with serious illness will attract high insurance life rates, for nothing can be done lower age or get rid of a serious illness. However, if you do want low insurances rates, here are some points you can act on to reduce them:

• Quit smoking
• Shop around
• Go with current provider
• Get group insurance
• Improve credit history
• Wait for sometime
• Try different types of insurance

An important factor that will increase your insurance life rate is if you are a smoker. Hence, quit smoking for at least 6 months before applying for insurances. While the basic price of insurance is the same among different companies, premium rates can vary and each company can have different add-on packs. So, request a insurances quote from several companies before you decide on whom to go with.

If you already have an insurance provider, ask them for ‘multiple policy discounts’ that can garner you cheap insurance life rates. The more the policies you have with a particular provider, the larger will be the discount. Some insurance companies offer discounts for group memberships. These groups could be hobby groups or labor unions. Now, these groups can get low insurance life rates. However, the policies amounts will be very small and may not be adequate for your needs.

A good way to get low insurance life rates is by opting for group insurance with your employer. Most companies offer this as an incentive to their employees and you can get good coverage with your employer paying half the premium amount as an incentive to the employees. What is more, those who want insurances no medical can opt for group insurance for here a medical test is not required.

Insurance companies will definitely study the credit worthiness of an applicant. The credit worthiness will indicate if the applicant will pay all his premiums on time and without defaulting. So, if you have a poor credit history, try to repair it before applying for insurances. Those who have a bad driving record, major injury, criminal record or drug abuse history will not be eligible for insurances. Such people can wait it out, and stop using drugs or drinking, improve driving record etc., before applying for insurances. Finally, if you find after receiving a quote that the insurance life rates are high, you can opt for some other form of insurance where the rates are more reasonable.

Those who want the cash value option can go in for universal life insurance, which is a kind of permanent life insurance. It is very different from term insurances – the first difference is that it has a cash value, which the policyholder can borrow from in time of need, whereas term life insurance does not have a savings option. The next difference is the length of the policy – term life insurance can be taken for a maximum of 30 years while universal insurances can continue for the entire life of the individual until he dies.

This has the added benefit of the policy not lapsing if the person outlives the policy as in the case of term insurances. The greatest attraction for many who opt for universal life insurance over term life insurance despite the fact that it is more expensive is the cash value option. This ensures a compulsory savings and though the insurance company will deduct costs from this, they will have to pay minimum interest to their client at periodic intervals.

There are different types of universal insurances: Indexed insurances and variable universal life insurance. The former gives interest based on certain financial index and the policyholder will be offered protection even if the index falls below zero. The latter gives the policyholder the option of allowing the insurance company to invest part of the premium at their discretion. The main drawback of universal insurances is that it is very expensive. So, compare both term and universal life insurance and their costs with the help of a life insurance quote before choosing one.

Tips on How to Find The Best Insurance

Many people know that the process of looking for cheap insurance life policy is not easy. However, with some tips, you can find the best insurance policy. The first thing any potential policyholder should do is to shop around for the best rates. He can do this by talking to various insurance agents as well as insurance companies and finding out about the policies they have to offer. This will help the client save money in the long run, because he would familiarize himself with the policies on offer, and he would also gain invaluable information on the premium rates.

Potential clients should look at the various options available for best insurance policy. The most common are guaranteed-issue life insurance, term life insurance as well as whole life insurance policies. The most expensive one is the guaranteed-issue insurance because it does not need the policy holder to get a medical exam. In the long run, the client can end up not getting cheap life insurance if he opts to buy this insurance policy. Many such policies come with hefty premiums because the insurance company cannot estimate the risk factor of the client in question.

Many people go for the whole life insurance policy because they are able to gain cash value over time through the policy. It also covers the policy holder for as long as he will live. The advantage of this insurance type is that the client can borrow loans, and use the accrued cash value as collateral, or he can use the cash value as a down payment on large purchases. Clients who take up this insurance option pay more in terms of premiums monthly because of the accrual of cash value on the policy. However, a client can get cheap insurance life policy quotes if he shops around and looks for various companies rates on premium.

The cheapest form of insurance life policy so far is the term life insurance. This insurance offers clients a chance to take care of their loved ones in the event of the insured’s death. Many people know that funerals can be costly. The insured can cater for his funeral as well as other expenses such as medical costs after his death. The beneficiaries can get payment after the death of the insured person to cater for other costs such as college tuition and mortgage payment, as well as replace the income of the breadwinner.

Life Insurance Criteria For Being Approved Quickly

What are some of the life insurance criteria for being approved quickly? Many people are interested in finding a quick approval life insurance policy as they do not want to go through a long and drawn out medical underwriting process. Enforcements and the criteria for people to be approved quickly into life insurance policies within life insurance industry are simply made by the companies so that they don’t lose money when it comes to claims.

For life insurance companies there is a risk associated with insuring someone because you are basically either going to have to end up paying the death benefit of the person that is deceased, or you will gain money by their paying of premiums; however, it’s important to understand that there are applicants that have it easier when it comes to life insurance policies, and that the life insurance criteria for being approved quickly varies according to many factors and is not the same from company to company.

Age Is Perhaps One of the Most Important Criteria to be Approved Quickly For A Life Insurance Policy

Although not all the companies are the same, one of the most important things about life insurance is to try and get the policy while you are still young. Just like the health insurance industry, the life insurance industry understands that the risk of dying increases as your age increases. It is because of this reason that premiums for younger people are less than those of older individuals, and it is also because of this that many life insurance companies are starting to use medical examinations as one of the most important factors in being approved.

An example of this would be a person trying to get a term life insurance policy in an insurance company that has offices all across the United States. If the person is younger or of middle age, endless possibilities will arise because they will be able to purchase term life insurance (temporary life insurance that only covers you for a specific amount of time) or a permanent life insurance policy (a type of policy that covers you for life) because the insurance company knows that the chances of you dying young are very slim (unless you have a critical illness that is). It is for this reason that many senior citizens have trouble qualifying for life insurance and they must go apply in companies that specialize in senior citizen products.

It is important to highlight that just because a person is old it does not mean that they won’t be approved easily for life insurance. If you are a senior citizen of 50 years of age or older and you are in perfect health conditions with no risk of any serious illnesses, the life insurance company might even propose a term life insurance policy, a whole life insurance policy or any other type of policy; but it all depends on how good your health is.

The Credit Report and It’s Role For a Person to Be Approved Quickly

Another way or criteria for which a person can be approved very quickly when applying to life insurance is credit reports. Many people argue about this measure because they don’t think its fair that their credit report is now taking the place of any paperwork and it is becoming more and more important in all aspects of life. The reason credit report can get you accepted very quickly is simply your commitment to the company.

What this simply means is that if you have a better credit report it will be more credible when you tell your company that you will be paying premiums every month at the exact same date and the entire amount without a penny less. On the other hand, if you have a bad credit some companies might not even take the risk of insuring you because they don’t want to insure an individual that is true to his or her word. As you can see credit report has not become a major thing when it comes to life insurance companies.

Your Lifestyle Can Help You Get Approved Quickly

Last but not least in order to get approved quickly you should be a person that does not take many risks in life. This means that your job is not a high risk one and that you do not have any hobbies that threaten your life. If you want to see an example of what this means let us compare a firefighter with a lawyer. A firefighter will more than likely be faced with life threatening conditions every single time they go into a fire. They have to run into a house consumed by flames to prevent other houses from burning or to save a life. On the other hand you have a lawyer that spends most of his or her day sitting behind a desk wondering about how to win the case. All they do that can cause harm their lives other than health related conditions involve driving to and from work, and to the courthouse. Unfortunately for a firefighter it will be a little bit more difficult for a company to insured them because they know the risk associated with their job. The same thing applies to hobbies.

Who do you think will have an easier time applying and getting accepted for a life insurance policy? A person that enjoys sailing, sky diving and kayaking in wild rivers or a person that enjoys going out on the beach, spending time with the family and maybe on occasion playing chess? The answer is the person that has the hobbies with the least degree of danger. Life insurance is a business and like any other industry, its companies are concerned with making money and not losing money.

Compare Life Insurance Quotes Because Of Differences In Underwriting

As you can see the criteria for being accepted when you apply for a life insurance policy is not that hard. You must always try to apply when you are younger not mattering if you want a term or permanent life insurance policy (always remember that the younger and healthier you are, the less your premiums will be). You must also have an OK credit report that should be good when checked by the life insurance company. This helps because they can see that they are insuring a person that is making a commitment and will try to pay premiums on time.

You will also have to show the life insurance company that the risk of insuring you is not that great and show them that your hobbies are nothing to be worried about. If you follow all these steps a life insurance company will never deny you and they will be happy insuring you. The criteria for an easy acceptance in the life insurance world is not that hard; go and get the policy that you have always dreamed of!

Term Life Insurance

Life insurance, term and permanent are a contract between the insured person and an insurance company, which can pay a stated amount of money when the insured passes away throughout the insurance policy. There are lots of types of policies, and several options and also endorsements within them. It is very important to financial organizing, so you ought to examine the options to get the right policy for you together with your own family for example term or permanent life insurance. Here is helpful information for both policies that may help you.

People take out life insurance policies for a number of reasons. Such insurance provides security to family members upon losing someone you love. For instance, if the primary wage earner dies during his or her prime, the death benefit received from the policy will help the surviving family members in overcoming the burden of the tragic loss. The proceeds can also help pay for funeral costs if the death is unexpected. It can be purchased through brokers, but is also provided as a perk by a lot of employers. Often times, large corporations and government employers offer group life insurance at no cost to the employee. In the event the personnel wish to acquire additional coverage from the employer’s insurance company, they can usually do this at reduced rates. Practically in most situations, the insurance becomes invalid once the employee no longer employed by the company.

There are two basic types of life insurance term and permanent. In general, term life insurance policies only work for a certain amount of period known as a term. This policy only pays a benefit to your survivors in case you pass away while the policy is still valid. Once that term has ended, the policy also ends. You have the option of renewing some term policies when the term is finished. However, your own premium will increase once you renew. The longer the term of the policy, the more expensive your premium will be. There are some types of term life policies that will pay the premium benefit once the policy ends even if the policy doesn’t pay a death benefit. You’ll pay a higher monthly premium for these particular policies compared to those which end without the need of paying a benefit.

Permanent life insurance insures someone’s whole life, at the time they purchase the policy until the time of their death. This can be in contrast to a term life, which is in effect for a certain predetermined period of time, typically between five and ten years. Assuming that the owner of the permanent life policy continues to make premium payment regularly and also on time, the policy guarantees a payout if the policy-holder dies. It is also referred to as whole and universal life insurance. The owner pays premium at regular intervals, typically monthly, quarterly or annually, in substitution for a guaranteed death benefit for the beneficiary or beneficiaries named in the policy.

Now, you understand more about life insurance and the two back kinds which are term and permanent. It’s up to you to decide which insurance suits your family’s needs and which one you and your family is able to afford.

Auto Insurance, Life Insurance

Auto Insurance

In 1997, the State of Arkansas started tracking the registered motor vehicles in the state with their vehicle liability insurance. This means that the vehicle identification number (VIN) of the motor vehicle in Arkansas must match its corresponding insurance policy declared on the States Office of Motor Vehicle database. Aside from having the same insurance policy on the data base, the state also requires all the vehicles registered in the state to have the required minimum liability insurance.

For bodily injury per one person, the required amount is $25,000 per accident. For bodily injury for two or more persons per accident, the required amount is $50,000.

The property damage per accident is $25,000.

All drivers driving in the streets, roads and highways of the state must carry their insurance cards and must present them to the officer of the law in case of an accident or a traffic stop.

The States Office of Motor Vehicles also requires all insurance companies to notify them of any non-renewal, cancellation and lapses in policy. This means that once your insurance is no longer valid, your vehicle registration is automatically suspended. You will then have to reinstate it and show your proof of liability insurance if you want to legally use it.

Home Insurance

Homeowners in the State of Arkansas generally choose from the three most common types of home insurance in the state: the basic, the broad and the special.

The basic home insurance protects the home from the basic perils, such as fire, lightning, hail, windstorm and theft. The broad home insurance protects the home from the basic perils plus the additional six other perils, such as building collapse, weight of snow or ice and damage from home appliances.

The special home insurance protects the home from all the perils except for earthquake and flood. If you want to have protection or coverage against fire and earthquake, the insurance companies can offer them at additional cost.

The premium for home insurance in the state depends on the following factors: the size of the home and other buildings in the property, the construction cost of the home, the chances of natural disaster occurring in the area, the material of the home, the location of the fire department in relation to the home and the crime rate in the neighborhood. These are the common factors that affect the rate of premium. There are, however, additional ways to reduce the premium; such as availing of the discounts. The best way to get the best price is for homeowners to shop around for home insurance and inquire about how they can avail the discounts they qualify for.

Health & Life Insurance

With the increasing cost of health care, it is important to get health insurance. In the State of Arkansas, there are several ways to find affordable insurance for the whole family. The first thing to do is to shop around for health insurance. Do your research and you will certainly find several insurers that will offer you health insurance that fits your budget. The next thing is try to get the major medical coverage.

Now under the law of the state, insurance companies are prohibited denial or limitation of coverage if you are under a group plan. The law also prohibits insurance companies from canceling a policy because of illness. If you are unable to get health insurance because of a preexisting condition, the Arkansas Comprehensive Health Insurance Pool will offer you coverage.

Now, in terms of life insurance, the most common types in the state are term life insurance and cash value insurance.
The term life insurance shall cover you for a period of one to several years and will pay the death benefit if you die during the covered period.

The cash value insurance is lifetime coverage. At the same time, you can borrow money from the insurance or your policy. This, of course, has higher premium.

Insurance Life (Low Rate Term)

I’ll give you a number of things that will really help you get a very affordable rate for your term life policy. However, just reading them won’t do you much good. It’s implementing them that will help you make huge savings.

1. Get your policy when you are young. And, since you really can’t get younger than you are now, get it as soon as possible. The longer you wait, the higher your rates go.

2. If you are the type that loves motor racing and such dangerous sports you’ll certainly not get a low rate unless you quit. The simple reason for this is that you’re a bad risk to any insurer as long as you take part in such sports.

3. Change your job if it exposes you to many hazards. A pilot will definitely get higher rates than a clerk in a grocery no matter what. If your job is life-threatening then your rates will go through the roof.

4. Quit smoking and you’ll get lower rates. Smokers get rates that are at least twice of non-smokers. Once you’ve quit for more than 12 months reapply and you’ll be eligible for a massive discount.

5. Your Body Mass Index (BMI) is a strong factor that determines your term life insurance rate. By this we simply mean that if your weight is more than normal for your height, sex and age you’ll attract rates that are much higher.

6. Finally, you’ll get a low rate term life insurance policy if you get and compare quotes from many quotes sites. The trick is ensuring that you receive quotes from as many insurers as possible.

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Health Insurance

Life is a precious thing and no one would want to put their life in risk. We get our live to live only once in our lifetime and we do not want any sort of problem in our whole lifetime. Year by year, as the world is developing technologically and medically, even then we are facing new and risky problems. The lifespan of human beings have reduced tremendously. Earlier people used to live for around 90 to 100 years and the average lifespan of any normal human being was around eighty five years. But now the situation is different. Currently, the average life span of any normal human being has reduced from eighty five to just sixty years. The reduction in the life span is the reason because we human beings are polluting our mother earth and because of which we are not able to breathe fresh air.

There are alternatives for this and these alternatives will or may increase our life span. One of the alternatives is the Life Insurance policy. Life Insurance makes sure that whenever you get any sort of medical help, you get the help even though you do not have sufficient funds with you. In this fast moving world and over populated countries, the competition has been increased tremendously and people are finding hard to get a good job even after getting higher degrees during their education. In such situation it becomes difficult to cope up with other or extra expenses which can incur at any unknown time and place. Even the medical and hospital costs have been increased and an average person who can just manage their family cannot afford to spend thousands of dollars for any unexpected medical problem.

Medical problems occur at any time and you have to stay alert for any such emergency. By saying ready, I mean you should get ready financially. There are many life insurance companies now a day’s and you will find different and interesting policies and features which may look attractive. There is a competition between these companies too so you will have to select a most efficient and reliable life insurance policy which will make sure that you get all type of medical help during emergencies like Ambulance help to all the expenses paid for the emergency. It is very much important that you should buy a life insurance policy for yourself and for your whole family if you care for yourself and your family.

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AIG – Is Our Auto Insurance

Everyone knows that the insurance giant AIG had an incredible collapse that few people really knew that was coming, even in the insurance industry but there were many warning signs that were there for company officials as well as employees but they chose not to listen.

According to the House select committee on oversight which did a study on AIG’s downfall the writing was on the wall. Regulators have warned them five months in advance that they are was something fishy going on in the company’s books but AIG’s officials apparently didn’t pay much mind to it. It looks to me that AIG’s executives did the same thing that many Internet stock companies did before the collapse the stock market in the year 2000. I think that these problems could be solved in the future if our government put more stringent regulations and oversight in place to make sure that AIG’s top brass invested their side cash wisely and not into very risky investments like commodities, energy and currencies. I mean yes, this side of their business was working magnificently for a good amount of time but this gravy train was bound to get short and run out of gas. If AIG would have focused most of its time and energy into focusing on its core business which was insurance then it would have never left itself wide open for this crash. This crash made the Enron crash look like a day in the park. All of this came about because of the greed of its top brass which make all of these risky investments and left its core business wide open for a knockout punch.

This all goes back to oversight. The Bush administration relaxed a lot of the regulatory factors on Wall street and many companies took advantage of this. Hopefully president elect will learn from the big mistake that the bush administration made on oversight over the business and investment practices of these top executives and force these companies to make the top CEO’s work for its investors instead of just for their own pocket books. Now while i favored the bailout this time, it sure better not happen again. Fool me 3 times, shame on me. It is up to us, the American citizens to make sure that things like this dont happen again by making our voices heard by emailing our congress and through protests.

Credit Life Insurance

“A type of insurance, often bought by mortgagors, in which the amount of the policy matches the loan balance at any given time; designed so that the loan will be paid off in full in the event of death.”

It implies that you obtain a specific loan which includes insurance policy. This insurance secures the loan of the customer and in case of the client’s death, pays off that loan. Generally, the policy should be indulged in after you have a secure full coverage life insurance policy, or if the offer is too good to miss.

There is much deliberation in the client’s mind when it comes to purchasing this type of insurance. It should be noted that careful research into the offer might offer a win-win situation for both the client and the lender without any negative repercussion of buying the deal. Peruse the conditions of the deal carefully; develop a foresight in case of any unforeseen future events where the offer would be helpful.

The caveat of insurance policies offered in the market is that it caters to clients who have less probability of death by natural causes. More specifically, in terms of age, people under 65 years of age are eligible for credit life insurance policies; as are people with no record of previous serious medical history. Some policies require a certain amount of working time per hour of the client.

There are different set ups of loans with which credit life insurance is available. Closed ended loans require monthly installments, and the limit of amount and time period is fixed. Open end loan is more flexible according to customer needs. The amount and time limit is not fixed in open end loan. Buying credit life insurance policy is an option that should be looked into when you have additional insurance plan secured.

Life Insurance and Things That Matter Most

Ever get those sudden feelings of overdue regrets – those ugly, dark twitches of sore guilt pangs related to events of yesteryear that bang at your heart and knock consistently at your soul?

Sometimes, especially in those long, long traffic jams of bumper to bumper cars that wind around the endless NJ Turnpike when Sam is on his way home from work at rush hour and there’s nothing else to do but tap fingers nervously on the steering wheel, stare at the unending stretched line ahead, and wait for some movement up ahead, his mind drifts back to distant memories of Paul – and he gets those awful feelings of belated regrets.

It’s been years now since the two were together in elementary school but Sam can still picture Paul as he was back then. Paul sat there in the row just across from Sam -tumbled blond hair, deep blue mischievous eyes, straight, rather pointed nose, and a smile that could win anyone over.

Yes, that sure was Paul.

Paul had arrived to the class late in third grade after moving from Milwaukee, Wisconsin. Shy at first, it didn’t take too long until he proved himself as one of the brighter students and although he certainly was no older than any of the kids, everyone soon came to recognize that he possessed a sophisticated ‘world wisdom’ and wry wit that was remarkable for his age. In time, it demanded our admiring respect.

“That’s it,” Paul once proclaimed, with his famous grin after hearing about a new school rule that nobody was too fond of, “I’m playing hookey tomorrow; I’m not coming to school!”

In the pure innocence that only average third graders could muster up, everyone asked him what kind of game hookey was.

“Hookey?” Paul answered, eyes sparkling in their own unique magical way. “Hookey is just like hockey, but you play without a stick!”

While some believed Paul, others wondered at the possibility of actually staying home in order to be able to chase after a little black puck without a stick. It was soon discovered that the chair had been skillfully pulled from behind all by Paul’s smooth talking when someone’s older brother let them in on the secret of what playing hookey really referred to.

That was Paul.

But there was something else about Paul that was different than the rest, something that Sam and the others didn’t quite fully understand and appreciate at that youthful juncture; and perhaps it had something to do with his unusual worldliness and knowledge of ‘other’ things. While all the children would rush at the end the school day to be greeted warmly by their mothers and a prepared hot supper, Paul would slowly drag his feet and make his way to his neighbor’s house together with his two brothers, eat supper there, and wait for his father to pick them up after work. Paul’s mother, you see, was not able to greet Paul and his siblings at home like the rest of the class because she was not even at home. Paul’s mother lay in a bed forty-five minutes away in one of the world’s most famous hospitals with an illness that no one in the class had ever heard of before – a disease, talked about by the grownups in hushed whispers – a disease called “Cancer”.

Paul never really spoke about his mother and the disease, so Sam and the others didn’t either. To them, aside from having to eat supper at the neighbor’s house, Paul seemed to be every bit as normal as everyone else and, of course, then some.

Sam became best friends with Paul, a year later, in fifth grade. By then, he didn’t eat supper at a neighbor’s house anymore because his father had hired a woman to cook for the family and be there when the kids came home from school. By that time, his mother would either be lying in bed behind an ominously closed bedroom door, or away at the hospital for a week or two at a time – or more. Sam would come to Paul’s house on occasion after school and they’d do homework together and play with the loads and loads of toys and games he owned. The one thing that struck Sam besides Paul’s good fortune in being provided with the ‘best’ that any kid could ask for was how ‘perfect’ and in order his home seemed to be. And how unusually quiet it was.

One day, Paul didn’t come to school. The teacher told the class that Paul’s mother had passed away and that he would be staying at home for the next week. He explained that as soon as Paul returned, everyone needed to be extra nice to him because of what happened to his mother.

Truthfully, at that young age, no one understood what the loss of a mother actually meant.

When Paul returned to school he didn’t say anything about his mother. Sam figured that, although it was a bad thing that his mother passed away, since Paul was a tough guy and accustomed to her not being around anyway, it didn’t have much of an effect on him. The friendship resumed.

By the time sixth grade came around, Paul had built a reputation for himself as somewhat of a genius. Never putting in too much effort, he’d manage to pull off higher than average grades. Sam, however, was poles apart in the brains department. For Sam to achieve even mediocre results, he had to really work.

For the duration of that year, the relationship was not affected by the pronounced difference between them. By the seventh grade, however, Sam couldn’t bring himself to study together with Paul anymore. The fact that Paul wouldn’t spend sufficient time on what needed to be internalized wasn’t helping Sam any and the knack for coming up with those quick clever words spiced with a characteristic dose of witty sarcasm began to make Sam feel uncomfortably inadequate.

“It’s no good,” Sam would tell himself. “Why am I such a dumb bell? Why do I put in so much effort and barely make it, while Paul has it so easy?”

It’s not too difficult for an immature seventh grader to build himself up about something as ridiculous as someone else being smarter. The more Sam thought about Paul, the more he succeeded in assembling a case against him. Sam remembered an instance when Paul ignored him, another time when Paul insulted him, and still another occasion when Paul forgot to include him in the baseball game he had organized near his house. One thing led to another, and by the end of the year, the relationship had cooled off a great deal and Sam and Paul were no longer were the same buddies they once had been.

Sam became associated with another group of boys – those that he considered ‘more serious’, but every so often, he’d catch Paul glancing his way with a funny, pained kind of look. Sam made away with ‘the look’ and dismissed it as it just being Paul’s way.

With a diverse choice of high schools a year later, the contact ended completely.

The years passed swiftly and although Sam still maintained a connection to those guys that had continued on his path, he rarely thought about elementary school and the ties that had been severed since then. Eventually Sam married and went to work in his father-in-law’s business.

It was on a cold, frosty Friday afternoon while in midst of traffic jam on the NJ Turnpike that Sam received the phone call from Marc Hart.

“Sam,” he said. “Sorry to catch you on the road, but remember Paul Stone?”

“Yeah,” Sam said cautiously, with a sudden uncomfortable premonition of bad tidings to follow. “What about Paul? What’s he up to?”

“Paul’s not doing so well now, Sam,” Marc said. “His wife was in a car accident and – sorry to be the one to break it to you – she was… she was killed. He’s left with three little orphans. At this point, it looks like the funeral will be scheduled for Sunday morning. I wanted to let all the old friends know. I think it’s important that we all be there.”

Sam swallowed hard. “How terrible,” he said, trying to hold back the tears that found their way to his eyes. “I’ll be in touch for the details.”

The funeral was as awful as any funeral for a young woman that had to depart so early from this world and leave behind a broken husband and three young orphans could be. Sam sat towards the back of the chapel and gazed at Paul. Paul wore that pained kind of look that Sam remembered from somewhere deep in memory…

The weeks and months passed since Paul’s wife’s death and Sam heard that the family had been awarded a significant payout from the other driver’s auto insurance coverage and life insurance policy. Nevertheless, there was much to contend with. The extended family and close friends stepped in very quickly to help him with his painful situation and unfamiliar new responsibilities.

The memories of an old friendship continue to hound and harass Sam with a mature perspective of what transpired between Paul and him, emphasized strongly by the events of Paul’s most recent terrible loss. Is it too late to say “I’m sorry”? Sam wonders.