Outliving Life Insurance, with David TechnerJanuary 17, 2012
After watching this interview, you might want to think twice about whether your family is protected or not.
We recently had the opportunity to speak with funeral director of IRA Kaufman, David Techner. He offers some very personal, insightful, and interesting stories on his life and his experience with the deceased. As it turns out, his experience is far-more rooted in the lives and families of the deceased than the actual deceased.
Check out the video interview below. After watching, you’ll probably want to consider acquiring changes to your life insurance (or getting it if you have no life insurance at all). If that’s the case, reach out to us at MyInsuranceExpert.com – we’ll take care of all your life insurance needs!
David Techner and Brian Macias sit at IRA Kaufman Funeral Chapel, where David begins speaking on various topics related to the families he’s worked with, and his philosophy on life insurance:
David: You always have too much of it until you need it. As you pay premiums you say to yourself “do I really need this?” We all have the attitude that we’re indestructible and that it can never happen to us, but the truth of the matter is that it does happen to us. If you live long enough you’ll have to bury friends, relatives; I don’t think you can ever be too prepared.
If you check the national statistics of funeral directors associatoins you’ll find that services of funeral homes and staff, along with casket and maybe a vault is in the mid $7000 range. $7000 may not seem like a lot of money to someone who has hundreds of thousands worth in life insurance. $7000 is A LOT of money to someone who doesn’t have any life insurance.
Brian: Now David, you’ve been on both sides of the coin where you’ve dealt with families that did have life insurance, and then other families who didn’t.
David: I have literally sat with people and looked at them saying; how are you going to get your kids through school? How are you going to get them through college? I don’t want you looking back and say “Why did I spend $12,000 when I could have spent $8,000?” It doesn’t do me any good to sell a funeral or to have a funeral purchased that a family can’t afford.
When I was 38 years old, I was diagnosed with cancer. I had life insurance at the time, but I believe I did not have enough. Once you’ve been diagnosed with cancer, it’s extremely difficult to get that policy that you’re looking for. Now that you’ve been scared you think “boy, I wasn’t really prepared,” and you go try to buy; go try to buy it! It’s very difficult.
I have been able to purchase life insurance, but at a premium. Had I bought it earlier, I would have never had that problem.
A memorable funeral is really the tribute to the individual. It’s not in the box. It’s not in the products that are purchased. But it’s in the life and the tribute given to the deceased person. That’s what people remember most. When someone says they remember a funeral, they don’t say “Oh that was a magnificent mahogany box they were buried in.” It’s just not what they remember about funerals.
My good friend Tom Linch who was a poet, and lecturer and funeral director for Milford has the best line ever: when it comes to death, we’re all batting 100%. It’s going to happen to all of us.
What’s my wife’s and my job? As parents, to protect our children. And now it’s to protect our kids and grandchildren. And who knows what’s later! And hopefully, someday, all of my life insurance will expire, but I won’t. The good news is, you never had to use it; so what? I mean…so what? You got to live, to see children, grandchildren, and great grandchildren, and you life insurance expires? So what.
Brian: Good for you! That’s a win.
David: It’s a win-win.
Protect your family with life insurance today by getting a free life insurance quote from all the top providers in the nation at MyInsuranceExpert.com.
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