All agents collect personal 'disaster' stories, usually from their clients who did not buy in time, or did not buy enough, etc. These are the stories to learn from and to use to motivate new people to do what ‘needs to be done’ financially. Stories such as these can usually take years to collect'. Of course I had to be different..... During this summer, my mother-in-law passed away after a lingering illness, one of my best friends who helped me start in the insurance industry