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Gabung di Mitra Fuse Pro
Gabung di Mitra Fuse Pro
Wednesday 8 October 2008
Sunday 27 July 2008
Do we have fear? Or do we have faith?
| This past Wednesday, I was confronted with a choice. This choice had been building for several years, ever since I had a consultation with an ortho-facial surgeon to have my wisdom teeth removed. In this consultation, I disclosed that I have a heart disorder called Mitral Valve Prolapse. It affects nearly 5% of all women to varying degrees, and mine is a textbook example. I’ve had many doctors hear about me and simply want to listen to my heart to see what it sounds like. Normally, with taking care of myself, I forget that I even have MVP until I do something stupid to cause it to act up. I told the doctor all of this, where he examined my x-rays, did some more surveys and then sat down with me to go over the risks of the surgery. He told me that because of where one of my teeth was located, it was possible that he could put a hole in my sinuses that could become infected. MVP patients are very susceptible to the kind of bacteria that lives in the human mouth and if these bacteria were introduced at a high dose into the blood stream, it could infect my heart valve and cause it to stop beating. He looked me straight in the eye and told me there was a very real chance I wouldn’t survive. Needless to say, I decided I liked breathing and my wisdom tooth was fine where it was. I left the office without any plans to ever return. Fast forward to 2005. I was having a routine x-ray at my chiropractor’s office and he noticed that my wisdom teeth had turned sideways and were very clearly impacting the rest of my teeth. He told me that I should have it checked out and asked if it hurt. I told him that it did, but I was more willing to put up with the pain rather than end up dead. Instead of taking that as an answer, he gave my x-rays to another patient of his who is a dentist. I scheduled an appointment with the dentist who then referred me to another ortho-facial surgeon. This surgeon when I met him was incredibly sure of himself, incredibly flamboyant, and exactly not what you would expect a doctor to be like. I had heard from everyone I talked to that he was the best in the field and preformed thousands of extractions a year. I met with him and he assured me that he did hundreds of surgeries each year on people with MVP and that because of my age and my general good health that he didn’t plan on any trouble at all. He also told me that he had never lost a patient out of thousands upon thousands and only had two or three with real issues after the surgery. He told me he wasn’t about to ruin that record. I scheduled the surgery and walked out of the office feeling confident that everything would be fine. As the weeks until the surgery went by, I found that more and more I lost that feeling of confidence and I regained the fear I had lived with in the years leading up to the appointment. Looking back on it now, I am much the same with God. I lose my confidence in Him and go back to fearing whatever is on my mind. By the time Wednesday, November 16th rolled around, I was good and scared. Monday, open enrollment for my insurance was ending and I upped my life insurance and my short and long-term disability. Wednesday, I found myself sitting in the waiting room, trying not to chicken out and run. They came out for me and escorted me to a room with a big chair that they got me comfortable in. As soon as I was in the chair and positioned correctly, the nurse strapped a face mask on me and told me to breathe deeply, that it was a mixture of Nitrous and Oxygen and I’d be fine and feel floaty, then go to sleep. I found that in that moment there was no going back and I was now facing a decision. Was I going to go to sleep in faith or in fear? How many times do we need to ask ourselves that? How many times do we give in to fear and not even consider that we are failing at faith. A very wise person once told me that the very opposite of faith was fear, and fear is such an easy choice. Do we have a fear of commitment or do we have faith that we can follow through? Do we have a fear of failure or faith that we can succeed? Do we have a fear of not being accepted or faith that people love us? Do we have fear? Or do we have faith? I believe how we make that decision every day affects every part of our lives. It’s not just faith in God: it’s faith in ourselves, it’s faith in those around us, and it’s faith in everything we do. I believe this struggle is universal, and if you wish to use it in a story, please let me know! I believe one of the most realistic parts of characterization is looking into the character’s soul and spirit and seeing what makes them act the way they do in the story. This would be a great thing to think about if you are writing a story – what is your character afraid of? What do they have faith in? How does that affect the life you are building around them? If you do take this challenge, please send me a link! |
Saturday 19 July 2008
Client Testimonials
Client Testimonials
Jim W, Katy
“We’ve been working with them since the 1990s and it’s been a great relationship. I consider them not only a trusted advisor but also a friend. They understands my organization thoroughly, knows how we operate, and usually calls us before we have to call them.”
Brian M, Houston
“They always calls back promptly and corresponds the way I need them to (email, voicemail, etc.). We started when we just needed renters insurance and now he covers us for everything – home, office, business, umbrellas, auto…you name it. I appreciate doing business with someone I can trust, who is responsive, and who is always looking out for how to best serve me…AND who makes it convenient!”
Terri H, Conroe
“They handle not only my personal insurance but also the insurance for my brewery/restaurant and my commercial rental properties. They are very knowledgeable and experienced in these areas. I can always count on them to keep me informed and to resolve problems quickly. They are professional and have integrity – qualities that everyone in the office shares.”
Teresa S, Houston
“One of their most important attributes is its extremely efficient customer service. We’re a relatively new client and they took a very personal approach to helping us identify the right insurance for our needs. I know that if we ever have a problem, they will get things taken care of. They are excellent sales peaple who offers competitive rates and has the customer’s best interests in mind.”
Mike C, The Woodlands
“They have provided exemplary service over the years. Whenever I’ve had a claim, they have been very quick to get things resolved. They’re all terrific people.”
Gerry B, Spring
“They are a small business that still believes in relationships. For the past ten years I’ve worked with them and they have helped with my personal and commercial needs. They are always willing to go the distance and I refer his services to everyone that I know.”
Kevin S, Pasadena
“I know from experience that when I call I will get excellent service and great rates. They take care of anything that I need, from silly to serious. They never treat you like a number, never put you on hold. I feel very confident in knowing that they are personal friends to me and my family.”
Lynn C, Humble
“I have been very impressed by the personal service provided by the office. In this day-and-age, where customer service is sometimes forgotten, they make the effort to explain a life insurance policy. At the time, I had a small child at home and was grateful for the convenience. In the years since, every time we’ve had a problem they been there to resolve it. I appreciate working with a company that is genuine.”
Christy P, Kingwood
“I consider Texas Century Insurance to be my advocate. I have no hesitation calling them whenever I have an issue to be taken care of. The entire office is very helpful, and it has a friendly, neighborhood feel that makes me comfortable. All of my kids are insured on their own through them, and I’d recommend them to anybody.”
Rhonda H, Houston
“When it comes to insurance, for me, it’s all about trust and understanding. I want those serving me to understand what I need and want. And I want to trust that I will always get the best advice and the best service. That’s what I get from Ana. Ana knows me and understands my insurance needs. She’s always been proactive in making sure I get the right coverage at the best price. Just as important, when I’ve had to make a claim, Ana has been there with good advice. When I was previously with a national insurance company with no local agent, I ended up filing a claim I never should have filed because I didn’t have a local advocate to explain all the implications. They really works for their clients, and that’s why I like doing business with them.”
Richard B, Spring
“Working with Texas Century Insurance has been a real pleasure. I've been with them for nearly 10 years and I've always received prompt, knowledgeable service. The few times I called for a claim, they helped me get my claim settled quickly and without hassle. I have recommended them to my friends and to my aging parents and would not hesitate to recommend them again.”
Archie G, Tomball
Jim W, Katy
Thursday 17 July 2008
An endowment policy
An endowment policy is a life insurance contract designed to pay a lump sum after a specified term (on its 'maturity') or on earlier death. Typical maturities are ten, fifteen or twenty years up to a certain age limit. Some policies also pay out in the case of critical illness.
Policies are typically traditional with-profits or unit-linked (including those with unitised with-profits funds).
Endowments can be cashed in early (or 'surrendered') and the holder then receives the surrender value which is determined by the insurance company depending on how long the policy has been running and how much has been paid in to it. During adverse investment conditions, the encashment value or surrender value may be reduced by a 'Market Value Adjuster' to allow for the need to cash in units at a time when investment conditions are not ideal. This means that the investor would receive the surrender value less the market value adjuster.
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