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My Wake Up Call Regarding Life Insurance

This last year, I experienced something that caused me to take a serious look at something most of us don’t like to think about, Life Insurance.

Last summer I took my family to Aruba for what I expected to be a very special vacation. We had a great time especially in and around the beautiful clear water there. On one afternoon, my son and I rented WaveRunners. We had a great time right up to when we ran into each other. He was fine and I was left with a sore knee. We left the next day to return to California dreading the 8 hour flights.

A few weeks after we returned, I started experiencing shortness of breath. When it continued I went to my family doctor, he ran several tests and I was sent to the Hospital. Evidently, the WaveRunner accident followed by the long air flight had caused my leg to develop Blood Clots which ended up in both of my lungs. I was lucky, the situation was caught early enough to treat but it was a very scary event. While lying in the hospital for a week, I couldn’t help but think about my mortality and what would have happened to my family if I had not been as lucky. I have Life Insurance, but honestly I bought it years ago when my life and finances were very different.

As soon as I left the hospital, I called our Life Insurance expert Brad Knerr and set up a meeting to see if my family would be properly taken care of going forward. We had a very open and through discussion and made some adjustments to my existing plan.

I know that Life Insurance discussions are not the highlight of most of our days, but it is something that all of us need to seriously address. Brad made the process very easy and stress free. Now that I have done this myself, I am much more comfortable. Perhaps not comfortable enough to ride a WaveRunner in Aruba again, but I am comfortable that if something unexpected should happen, I will not be leaving my family in a financial hole.

I would urge all of you to take the time to consider your own situation. Does your current plan provide the financial protection for your family you want? Are you sure? If not, please contact Brad Knerr and discuss it with him. Brad can be reached at 805-503-4719, or you can email him at


Brian Booth

Dental Program Manager | Kingsburg