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Its really sad to read posts about how you are taking advantage of the elderly for a living. Going to someone's house that you know won't remember your phone call? Sitting with someone who doesn't understand the implications of giving out a social security number? It gives all insurance agents a bad name.
Well I might believe you if you can show me some examples of how either a spouse or a sibling complained when there was a funeral and the insurance company had a check for them.
The worst thing you can do is leave a home uninsured. SHAME ON YOU!