I have many unforgettable characters that had some pretty large premiums with me, all paying annually. One was a man that had a med supp, life, LTC and a couple of 50K annuities with me. He had been in the hospital with a kidney problem and they catheterized him while he was there. A couple of month's later, he started having problems again so he went to the hardware store, bought some tubing and catheterized himself.. Got infected and darn near killed him. He was killed at age 87... Fell off his tractor and the bush hog ran over him. He was a referral from his brother-in-law who was referral from Calvin.