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Ladies and Gentlemen,
Having met David Trout in high school, when we both lived in Tampa Bay, I was pleased to meet with him for
lunch after so many years to catch up on old times and the people we both know. During our meeting I
mentioned to him how hard it seems for a business owner with a family to cover all the bases necessary with
proper insurance. I remember telling him how I often feel like I’m in a boat with a million holes trying to plug
them all with chewing gum!
Knowing that people my age are around three times more likely to be the victim of disability or catastrophic
illness than they are to die or be killed, I mentioned to him that with the responsibilities I have to the staff,
family and lenders, I felt a bit vulnerable in that area. I had lots of life insurance, but as the sole breadwinner
of the family, our modest wealth and the lifestyle of our entire family could be at risk if I became disabled!
Worse yet, my condition might create a financial burden on them all.
David understood where I was coming from and suggested that he could offer me a policy that would cover
the costs of operating the business for up to 18 months if I became disabled. This would at least allow my
wife time to figure out if I would be coming back to work or whether she needed to sell the business. David
also suggested he could offer a catastrophic illness policy that would pay if I got cancer or had a heart
attack. I signed up for both.
Wouldn’t you know it, about 12 months after purchasing these policies, I HAD A HEART ATTACK at just 52
years old! I remember spouting off instructions to my wife as they were wheeling me off to the operating
room with tears in my eyes, not knowing if I’d die on the operating table or have the massive stroke the
doctors warned me of as being a possibility. “April has the trusts and the insurance policies, sell everything,
you don’t need the stress . . . and . . . I love you.”
Well, obviously, I lived to tell about it! But I want you to know how great it was to get the money from Mutual
of Omaha for the catastrophic illness claim. I wasn’t so great that I would recommend having a heart attack
over it, but nonetheless, it was great!
I sincerely believe that those of you who own your own business, have a family and some debt take a long
hard look at filling such voids in their insurance coverage with policies similar to the ones I purchased from
Dave.
One last thing; I want you to know that David was in regular contact with Mutual of Omaha headquarters
throughout the claims process. He worked as my liaison throughout the process in order to be sure that the
claim was processed as expeditiously as possible. He’s a fine man who knows his business and takes his
responsibilities very seriously.
Thank You.
Richard D. Whitney
CCIM, SIOR, CPM, GC
President, Whitney Commercial Real Estate Services
Having met David Trout in high school, when we both lived in Tampa Bay, I was pleased to meet with him for
lunch after so many years to catch up on old times and the people we both know. During our meeting I
mentioned to him how hard it seems for a business owner with a family to cover all the bases necessary with
proper insurance. I remember telling him how I often feel like I’m in a boat with a million holes trying to plug
them all with chewing gum!
Knowing that people my age are around three times more likely to be the victim of disability or catastrophic
illness than they are to die or be killed, I mentioned to him that with the responsibilities I have to the staff,
family and lenders, I felt a bit vulnerable in that area. I had lots of life insurance, but as the sole breadwinner
of the family, our modest wealth and the lifestyle of our entire family could be at risk if I became disabled!
Worse yet, my condition might create a financial burden on them all.
David understood where I was coming from and suggested that he could offer me a policy that would cover
the costs of operating the business for up to 18 months if I became disabled. This would at least allow my
wife time to figure out if I would be coming back to work or whether she needed to sell the business. David
also suggested he could offer a catastrophic illness policy that would pay if I got cancer or had a heart
attack. I signed up for both.
Wouldn’t you know it, about 12 months after purchasing these policies, I HAD A HEART ATTACK at just 52
years old! I remember spouting off instructions to my wife as they were wheeling me off to the operating
room with tears in my eyes, not knowing if I’d die on the operating table or have the massive stroke the
doctors warned me of as being a possibility. “April has the trusts and the insurance policies, sell everything,
you don’t need the stress . . . and . . . I love you.”
Well, obviously, I lived to tell about it! But I want you to know how great it was to get the money from Mutual
of Omaha for the catastrophic illness claim. I wasn’t so great that I would recommend having a heart attack
over it, but nonetheless, it was great!
I sincerely believe that those of you who own your own business, have a family and some debt take a long
hard look at filling such voids in their insurance coverage with policies similar to the ones I purchased from
Dave.
One last thing; I want you to know that David was in regular contact with Mutual of Omaha headquarters
throughout the claims process. He worked as my liaison throughout the process in order to be sure that the
claim was processed as expeditiously as possible. He’s a fine man who knows his business and takes his
responsibilities very seriously.
Thank You.
Richard D. Whitney
CCIM, SIOR, CPM, GC
President, Whitney Commercial Real Estate Services
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| Trout Insurance is a full line insurance agency located in Asheville, NC. Trout Insurance offers life, health, disability, Medicare supplement, long term care insurance home and auto insurance for individuals as well as college funding and retirement planning. Christopher Smith, Dave Trout, Jan Trout and Ralph Redpath are independent insurance agents with Trout Insurance. Christopher Smith specializes in group health insurance, employee benefits, insurance needs for business owners, key person disability insurance, disability buy out insurance, individual life insurance, short term health insurance, disability insurance, long term care insurance, group long term care insurance and critical illness insurance. Dave Trout specializes in life and disability insurance, Medicare supplement insurance, retirement planning for individuals and businesses, commercial business insurance and college funding. Jan Trout specializes in individual health insurance. Ralph Redpath specializes in home and auto coverage. Web site design by Christopher Smith. Agency photo by Jason Sanford. |
