No joke. I work in insurance, personal lines, writing and maintaining policies for people with their homes, their cars, their toys. My first job was in insurance, I was about 20 years old. I thought, as I sat through the occasional mandatory class, that there could be nothing more boring in this universe. Risk, legal jargon, co-signors - BAH. I went and did other things for the next twenty years.
Then, I was in a situation where I was looking for work. There was a job open in a local agency, they wanted me based on my ancient experience, and because I needed it, I accepted the job. To my surprise, it was all the same, and as I sat down at my desk I found that I really didn't need any training....just to familiarize myself with the new companies underwriting rules and the paper flow of the agency.
But, to my surprise, I found it interesting and challenging. First of all, I like efficient systems and I like to be pressed to a pretty high level - it makes the time pass quickly - and there was plenty of pressure. Even more surprising, I found that I understood the concept of the policies and could connect my empathy and concern for my clients with what I now knew they needed, rather that feel I was providing paper baloney to a captive audience.
None of us like to pay bills, and can get particularly snarky about one that the state or the bank says "YOU MUST" have. I get that, I've been there and I've had difficulty paying bills at one time or another, and I know the freakin insurance bill never stops, and never goes down. But, I've also had losses.
Sometimes, there are losses that are and remain just that. Something that is gone forever. Be it a love affair, a marriage, the death of someone close, a treasured bit of property or heirloom misplaced, it is something or someone never to be back. It leaves a hole in life, a void that eventually fills in, but the knowledge of that loss never leaves. Always, the thought of what could have been, even a feeling of responsibility or guilt remain.
I am lucky enough to be professionally placed to deal with losses that can, if not be fixed, at least be compensated. I comb through my clients policies and make sure, to the best of my ability, that they are getting the most bang for their buck. Raise that deductible, add this coverage, have a better contract. It doesn't mean anything right now, and hopefully it never will. But, if there is a loss, and its covered by that contract, instead of that void there is replacement. I strive to write a contract that will make them whole.
And that's why I forget to make those pesky personal phone calls to the gas company, or the Dr.s office or whatever I may have forgotten today.
Saturday, August 8, 2009
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