Objection Handling for Cancelling a Policy

[AllenChicago]

I just got news from a relative of mine that they want to cancel their FE policy. Ultimately my husband and I will be stuck footing the bill to bury them.

Can you let me know how you handle this. I would greatly appreciate it.

I'm sure all agents on this site have experienced this, so I'm sure I will get lots of advice.

Tell your relatives that if they don't have life insurance when they die, you and your husband will put them in the "Potter's Field" section of the cemetary. No headstones and with nothing but the poorest of society surrounding them. The cost is under $500..if you can pay that. If not, it's free.

My wife's Grandmother never bought life insurance. She told her children that they would pay for her burial, the way she paid for her mother in 1958. In 1993 she died and now resides in the Potter's Field section of the cemetary. I don't even think we could find her without a "who is where" graveyard map.

Perhaps your relatives wouldn't want this type of burial? Tell them to keep the life insurance, or they'll spend eternity at the farthest, remotest end of the cemetary.

-Allen

 

[funeraldirector]

What do you think they feel is a priority? The NFL package or your future debt? Simply ask them what they want done if one of them dies? And how is the other one going to pay for it. If they look at you, well you have your answer. If you feel you will be on the hook and it makes sense to pay it, pay it.

I pay for one of my brother's policy. But am just about at the point of cashing it in and letting the county deal with him. His priorities are a new car.

Unfortunately, every sheriff in Calif has the power to track down a next of kin and force them to reimburse the county. These counties aren't in the business of providing free cremations. They tack on six hundred dollars in fees in addition to the cremation and they don't care if you have to sell the pick up truck. (Thank for this opportunity to use my 'county will cremate' rebuttal. :>)0

 

[medsuptage]

We are presumably talking about a senior here, not a 16 year old. It also sounds like it is apparently a close relative. If they haven't learned to be responsible and care about others by this point, it is too late.

maybe, you're probably right... It's worth the moment of silence though when you ask the question.

Maybe they just haven't realized the impact of their actions.


However, it probably is that they just could careless.

 

[WinoBlues]

Unfortunately, every sheriff in Calif has the power to track down a next of kin and force them to reimburse the county. These counties aren't in the business of providing free cremations. They tack on six hundred dollars in fees in addition to the cremation and they don't care if you have to sell the pick up truck. (Thank for this opportunity to use my 'county will cremate' rebuttal. :>)0

Do you have a site for that?

Thanks,

Lee

 

[b61mack]

Either low the amount, or pay it yourself. It is worth it, just to keep peace in the family.

 

[funeraldirector]

Do you have a site for that?

Thanks,

Lee

Hi Lee, I'm pretty sure it's enforced under Calif Health and Safety Codes, probably sect 7100...I had a prospect die two months ago, county cremated and his daughter thought she owned Dad's pickup truck, until the sheriff's dept arrived and impounded it. A couple of year's ago, little old lady died, county cremated and the sheriff's office found her great niece in Ohio and forced her to pay, about $2500. She said to me, "I didn't even know she existed!" This is the kind of stuff I delight in knowing at the kitchen table...and now I must go to the park and poison some pigeons.

 

[WinoBlues]

Hi Lee, I'm pretty sure it's enforced under Calif Health and Safety Codes, probably sect 7100...I had a prospect die two months ago, county cremated and his daughter thought she owned Dad's pickup truck, until the sheriff's dept arrived and impounded it. A couple of year's ago, little old lady died, county cremated and the sheriff's office found her great niece in Ohio and forced her to pay, about $2500. She said to me, "I didn't even know she existed!" This is the kind of stuff I delight in knowing at the kitchen table...and now I must go to the park and poison some pigeons.

In the first case it was the estate. The second case seems odd.

 

[VolAgent]

In the first case it was the estate. The second case seems odd.

Yeah, I call BS on the second case too. I'd love to know the state of California forced a resident of another state to pay the bill of a deceased and estranged relative.

 

[funeraldirector]

In the first case it was the estate. The second case seems odd.

Yeah, it's odd, but true. I don't argue with the coroner...

 

[VolAgent]

Yeah, it's odd, but true. I don't argue with the coroner...

I would have told him to stuff it. The state of California has no power over the resident of another state who has not submitted himself to the laws of California. Now, if this great niece had received property from the estate of the deceased, they would have recourse to collect against the assets.

My guess, that is what happened. Great niece collected, state asked for their expenses out of the estate.