Donation protected
Our mom passed away on July 16th, 2024. She was an amazing person who moved to help others. She opened her own home to dozens of others who had nowhere to go. She gave them a warm place to sleep and food to eat. She was known by many as Big Momma.
Back in May of 2023, I had set up for a life insurance broker to come out and discuss her options for coverage. Her fear was us kids having to pay for her final expenses because she knew none of us could afford it. This broker was there for over 2 hours. Anyone who knew her knows she loved to talk. She answered all his questions with lengthy descriptions of how and why each medical issue came about. She left nothing out. The broker did all the entries into his tablet. When he was done, he said he had to call in so she could do a voice signature. We explained she didn't hear very well using cell phones, and he assured us it was turned up. So we don't know exactly what was said on their end, just that she agreed with what medical information was entered was correct, and she approved her voice signature. We thought she was all set with life insurance that started coverage that day. It was a small policy, just enough to cover a small service with a little left for if we needed anything.
We were not told that if she passed within 2 years of that date, they would do a review. And I know I made a huge mistake not looking at the policy when it came in the mail. It was not something I wanted to consider needing, so it went in a drawer. After she passed away, we planned the service thinking we had coverage. We thought we didn't need to worry when we were told there would be a review, as she passed from natural causes and nothing to do with any prior illness. Unfortunately, we were incorrect. Because the broker did not put in the correct information about her past and current illnesses, they have rescinded the policy. If she had lived past the 2-year mark, they wouldn't have even looked.
We loved our mom very much and wanted the beautiful service we felt she would have loved. But if we had known about them not honoring the policy, we would have done it differently. I know things are hard for everyone financially, and a lot of families have lost so much in the hurricane. But if you could please find it in your heart to help, any amount will be greatly appreciated. Or even just a quick share. I am including a photo from the funeral home if you feel more comfortable going through them. Thank you for taking the time to read our story. I hope everyone has a blessed day.
Organizer
Sarah Creasman
Organizer
Midland, MI