Life insurance needed by all security officers www.privateofficer.com

Atlanta GA. July 15 2008
By: Rick McCann
Ntl. Assoc. Private Officers
www.privateofficer.com

Recently we were made aware of a situation regarding a private security officer who was killed on the job in the line of duty and their lack of a will, life insurance or savings to support his family that was left behind.

While investigating this sad situation, we were asked by the spouse not to identify his name because they are considering litigation against his employer. So from this point on we’ll refer to him as Tom.

As a way to support his family while he was in between jobs, Tom took a job as a security officer in a big city, some 40 miles from his small town home. He worked any and all assignments given to him including construction sites, car dealerships and places that unless you drove a tank, you wouldn’t roll through after dark. For $9.00 an hour he worked seven days a week and never turned down a chance to work more overtime.

On a chilly evening while rain fell and a fog began to roll in from the Gulf, Tom made his foot patrol of a large industrial building under construction. He’d worked it before and although it was packed full of goodies to steal, he never had a problem and on this night thought it would be no different. But it was different. Very different. Tom never made it home again.
Several thugs looking for copper and anything else that they could steal and sell for a few bucks jumped the unarmed father of four and beat him to death. He had no cell phone, no 2-way radio and no one to call out to but God. No one heard his pleas for help that night and for whatever reason the Lord decided to let Tom come on home and never sent help that night.

After the shock of his death settled in and the family and friends had left his spouse’s side, she sat quietly worried and afraid and at wits end. How would she feed her children? How would she pay the rent on their mobile home and what about the funeral?
There was no life insurance. No financial aid from the company that Tom had been willing to run ragged for and risk his life without much thought. They said they were sorry for his death and put another guard in his place the very next night without blinking an eye or considering the dangers that this new employee might also be in. It was all just business they told her. They had a contract to fulfill and a client that had a right to expect security coverage regardless of the tragic death of Tom.

Somehow, this woman has managed to survive and a local church donated the money for Tom’s funeral including a burial plot and casket. But times are still tough as the wife makes due with her $7.50 hr fast food job, a little help now and then from family and friends and much prayer.

This story should serve as an alarm bell to anyone, especially someone employed in a high risk position such as a security officer, police officer, firefighter, and anyone who isn’t a millionaire.

PLEASE BUY LIFE INSURANCE! The monthly premiums on a term life insurance policy of $10,000-$50,000 isn’t much. If you have to give up your diet cokes or cigarettes or sweets to pay for this, it’ll be all worth it when the time comes to use it!
You don’t need anything more than whole life term insurance. Don’t fall for the sales pitch!

MAKE OUT A WILL! It doesn’t matter if you don’t have much. If you own a car, a house, land, a boat, a trailer, have any stocks, bonds or savings you need a will! And it needs to be a legal one and should be filed with the court!
Update your will anytime there’s a change in your income, property or marital status.
Even a will that you buy on line might be sufficient as long as you have someone notarize it.
You don’t need to hire an expensive attorney to get a will done!

Last but not least, if at all possible, try to have a 401K or retirement savings account as well as an emergency savings account. Even if you can only afford to put fifty bucks a month in it or less it will all help. It adds up fast and if something does happen to you, your family will have some funds to help them in the early stages of trying to financially do without your income.

PLEASE TAKE THIS MATTER SERIOUS AND CONSIDER DOING SOMETHING TO PROTECT YOUR FAMILY!





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