utterance: Good morning! This is Timothy Brum back in the office of Rivertown Insurance. How can I help you today?

utterance: Hello Timmy this is Betty, widow of Omar. I am calling today to get my life insured. I have never done this. Omar went to see Jesus and did not come back. He kept him.

utterance: Yes, I know I was there. Knew Omar for twenty-five years. So tell me some more about needing life insurance?

utterance: There are expenses Timmy besides the coffin. Which Omar had policy for that and paid for with the funeral policy. I have it here in the Omar's drawer. If I open the drawer I just freeze. Cannot seem to reach for it. I called you.

utterance: Let me just type in your name Betty, and I know the last name is Hunt.

utterance: I have all that here in Omar's drawer, but I think it would be better if you gave me a list Timmy.

utterance: I hear you, Betty. Found the policy. You and Omar both have life insurance.

utterance: Omar took care of that for me.

utterance: Yes, Omar did. Let me go through what the life insurance policy lets you do Betty.

utterance: I appreciate that Timmy.

utterance: Omar made you a financial safety net for when he went to see Jesus who kept him.

utterance: #Uh I have money to pay extra expenses? I have an insured life.

utterance: Yes ma'am, your life is insured. You can pay off mortage, medical bills, estate settlement or any other unpaid obligation.

utterance: Timmy it might sound like a stupid question, but how do I get the money? It has not magically shown up in the bank account. I was hoping to.

utterance: Betty you need to get Omar's death certificate. You need to get several of those for your business things.

utterance: How do I do that?

utterance: Call up the funeral director they often help with that. If not call back here, and we will set up an appointment to do that.

utterance: Oh. Give me a moment. Have to get a Kleenex. You used the d word. I'm back.

utterance: My apologies for using the d word, Betty.

utterance: It is okay Timmy I have to get use to it.

utterance: The going to meet Jesus and staying certificate comes in about two weeks once requested. It makes accessing the money faster. Otherwise it might be as long as two months.

utterance: I have plenty for the month. Mostly I want to get it done.

utterance: Understandable Betty. #Um may I tell you more about life insurance policies?

utterance: #Mhm.

utterance: Were you with Omar when he got the policies?

utterance: As I recall, I came in and signed, but was not in the meeting about the policy when Omar made the decision.

utterance: On the policy a spot exists for a beneficiary. I have to check that Betty since that is the person who gets the money.

utterance: Go ahead and look.

utterance: Doing so Betty. Opening the policy. Betty you are the beneficiary.

utterance: After the Omar met Jesus certificate and stayed what happens next?

utterance: If you are in agreement how about you call back letting me know you have the certificate, set up an appointment, and we will take care of it that way as well as that requested list.

utterance: Business done, Timmy.

utterance: Not quite Betty. Permission for me to view your life insurance policy?

utterance: Yes.

utterance: Opening it and looking at it now. Okay Betty, you have Omar as the beneficiary. You might consider changing that.

utterance: I was hoping that I would go first, I suppose. What can be done?

utterance: You can leave the money to a loved one. It can have instructions for estate use that you leave with a lawyer or you can give the money to the loved one. A few people add to or make a trust fund.

utterance: Can we handle that when I come in for the appointment? Have to think about it.

utterance: If you have a lawyer you might consider talking with him or her and the funeral director.

utterance: I do have a lawyer.

utterance: One more thing if you decide to move to the life insurance pay out to inheritance you need to know how the estate taxes would work. It would affect your heirs.

utterance: Do you handle that Timmy? I like to avoid IRS contact. Relatives do things.

utterance: I do not handle that Betty. I just sell insurance. Understand about relatives.

utterance: If the cops or IRS does not ask the right question my lips are sealed. They have to ask the right question that is the game.

utterance: Good policy Betty. Might try that here at Rivertown Insurance. I heard you have a new Persian kitty?

utterance: Omar was ill, and we were stuck in the house so yes Pitty Patter has been a joy. Cutest kitty ever with a sweet mew.

utterance: Male or female Betty?

utterance: Female. Has such a cuddly personality so want to breed her.

utterance: Let me know. I might want one of the kittens. Then I would compete with you at the Cat Show.

utterance: Timmy you know I will win. I always do.

utterance: I hear you, Betty.

utterance: Are we done, Timmy?

utterance: For now, Betty. Now don't you forget about our date. I will call and check on you if I do not hear from you.

utterance: Oh Timmy. Then I will have a wild tale. .

utterance: Okay Betty. Take care.

utterance: Bye Timmy.


speaker_role: Agent

utterance: Hello! This is Timothy Brum of Rivertown Insurance Agency. We're here to help. How may I help you?

speaker_role: Customer

utterance: You have any insurance for love sickness, Tim?

utterance: Well, give me more of a description, and I will see what we have? Can I have a name for this love sick person?

utterance: Why yes, this is Bud Zimmerman. I got me a new wife.

utterance: Glad to hear that Bud. Last time we talked it was the other way.

utterance: Met her through a job. Just cutest sassy gal you'd ever want to play with. Always saying no, but I convinced her.

utterance: How so?

utterance: Told her when I pulled up to her house, she was to get in the car, and we would go for a landscape drive.

utterance: So did she get in the car?

utterance: Well, no that's why I like her. She told me to go get a young one with a perfect body to spend all my money. I had to get out of my Tesla truck. Marian got the shakes for me. Could not move. I had been sending her little notes for awhile here and there. Had my secretary call her a time or two.

utterance: So what do you need in insurance, Bud?

utterance: I had someone contact her on LinkedIn, and she talked up a storm there. Absolutely refused to talk about work. That was my plan. Instead she goes off and talks about life. I liked it. Had to marry her. Marian knows too much about me. It has been love sickness with me ever since. Cannot get enough of her. I need to get her on the insurances and want a life insurance policy for her alone.

utterance: Name, age, social security number and I have the rest, Bud.

utterance: Marian Belle Zimmerman I like the sound of that. Age of six zero, and I am five seven. xxx dash xx dash xxxx.

utterance: Sounds like you got to know each other rather quickly.

utterance: Well, yes at our age you do not wait too long. Have to grab it while it's still wriggling. Then it's the inevitable so have to find someone that likes to take care and she does. Shadows run from her.

utterance: Let's take a look at Mutual of Omaha. Has a grand lion logo. Puts it right there in front of your face.

utterance: You insinuating that I'm a lion.

utterance: In more ways than one.

utterance: I will take that as a compliment as the summation of my entire character which has served me well and got me Marian.

utterance: Let me give you some details on the policy, and it's uses. Along with me it has excellent ratings in customer service. #Um pricing is decent and for seniors it gives policy choices. .

utterance: Is it term or whole life insurance?

utterance: Depends on which one you pick, Bud. Mutual offers whole, term, and the universal life insurace. Better yet it has flexible policy provisions.

utterance: Any ratings on the company?

utterance: Yes, Bud. JD Power in the two zero two zero USA LIfe Insurance Study ranked it fifth of twenty-three lif insurers. Financial strength lists A+ as in Superior.

utterance: Every place has negatives. What are they?

utterance: Mutual likes you to use an agent and that's I, so not a negative for you. Riders are limited. A medical exam is needed for some policies.

utterance: Quantity of the policy?

utterance: The term life insurance comes in with the coverage at hundred thousand. Whole life policies have coverage options. Those options range from two thousand up to twenty five thousand dollars.

utterance: Like the options on the whole life policies. Need the details. I will have to talk to Marian about it. Everything is a negotiation at this age. History, tattered history, finished business and unfinished business. Endless problem solving from prior decisions.

utterance: Do you and Marian want to do the pieces of the details of what you need together?

utterance: Something like that. Still blending the financial and business details of our two lives together so we meet all obligations. Marian worth it though. You ought to have seen her face when she had the shakes and knew I had her. She kept telling me you need to go over there so I can move. Told me she was going to run. I made sure my arms were in the way. Ran right into them.

utterance: Like insurance the relationship fosters compatibility and security. Business man all the way, Bud?

utterance: Something like that. I did not even assess the risk with Marian. Has to be love sickness.

utterance: I do not have a policy for that, Bud. You just have to survive it.

utterance: Let's move forward. I need to add Marian as a beneficiary to all the other policies I have with you.

utterance: Are we doing a portion where your adult children retain a portion and Marian gets a portion?

utterance: Yes. Let's use the standard formula for all the other insurances.

utterance: Inputting that into the policies. It will take a bit of time.

utterance: Hate replacing the one before Marian.

utterance: You're not replacing, Bud. You had a good long marriage with Lissa. She's gone. Be happy.

utterance: How do you retain the good of what was while moving forward with the good you have with the one now without the inevitable feeling of betrayal?

utterance: Bud, in insurance we just make a new policy for the situation of the present and extend what we know will be likely for the future.

utterance: You about done philospher Tim. Is that your next ad campaign?

utterance: Would it be a good one, Bud?

utterance: Yes, Tim that would soothe that state of mind. Should be fine money maker.

utterance: Finished. Making the email to send the information on Whole Life Insurance with all the riders and options so you and Marian can pick and choose.

utterance: Think it will take us about a week, Tim.

utterance: Okay. Let's set up an appointment in a week and a half. I will make recommendations with your picks.

utterance: Pick a day and time, Tim.

utterance: I think I'm suppose to say that, Bud.

utterance: Have to get back to the office. Transitioning to boss mode with a smile pointed at you, Tim.

utterance: How about Tuesday at three in the afternoon?

utterance: Let me schedule it by phone calendar here.

utterance: Are we good, Bud?

utterance: We're good, Tim.

utterance: Liked hearing and seeing you in love, Bud.

utterance: Me too, Tim.

utterance: Business concluded.

utterance: Agreed. Bye Tim.

utterance: Bye.


utterance: Hello and Good Morning! This is Timothy Brum of Rivertown Insurance Agency. What can I do to help?

utterance: #Uh Timothy I had an accident. It's not good morning.

utterance: Oh, I am sorry. Are you okay? What hospital you in or are you home?

utterance: Do not know yet?

utterance: Where you at?

utterance: #Um I'm sitting what was my my bomb pit SUV. Oh. The front is wrinkled.

utterance: Ambulance there?

utterance: No, it happened.

utterance: Give me your name, where you think you are at, and I will call an ambulance.

utterance: This morning I was. E. C May and no period on the C because my mother did not give me a middle name. It's an initial.

utterance: Pulling up the policy. Do you know what road you are on E. C?

utterance: #Uh I had a flash back to the war. It will take a some time. Thought you were the pilot and dialed you up. Winds in the bomber area. Strapped in. Fuzzy.

utterance: Let's assess. Your arm works. You are awake, you called. What about your chest and legs?

utterance: Wriggling.

utterance: Okay. Any wounds, soldier?

utterance: Not that I can see. Have some back pain, but not bad. Legs wriggling.

utterance: Understood.

utterance: I was in cockpit in a bomber. Enemy blew out the windows. Glass everywhere like now. Little pieces all over. Oh think a shard got me in the back. Held on to the firing mechanism while the plane dove. Lived to tell it. Woke up here. I am in my SUV.

utterance: E. C you lived through this one, too. Do you hear any sirens?

utterance: No, Timothy. Other vehicle rolled. Glad I had an SUV. On Massey Road. I was going to the Piggley Wiggley for some eats.

utterance: Calling ambulance and sending. Stay on the phone E. C.

utterance: I can't get the door to open. Jammed.

utterance: Might be better if you wait E. C.

utterance: Vehicle isn't running.

utterance: Good then you should be fine till the ambulance comes.

utterance: Think the engine flew out. Seeing parts of something on the road--oh a breeze--windows gone. Seat belt jammed, too. I've been captured by my vehicle.

utterance: Oh E. C that vehicle was made to take care of you. Let me tell you how well it is going to take care of you.

utterance: Is my premium going up? Oh Louise is going to be mad when we do not make ballroom dancing tonight. Better not go home.

utterance: Now I know you are okay E. C.

utterance: What's the deductible on an event like this?

utterance: You, the other person, the other vehicle, your vehicle, you, and medical are all covered.

utterance: What's the deductible on an event like this, Timothy?

utterance: You chose a thousand dollars, mister May.

utterance: I hear the siren and that other fellow has not moved yet. Upside down. Must have had a seat belt on.

utterance: Staying on the phone with you till they get you mister May.

utterance: Found my pocket knife. Give me a second cutting that seat belt.

utterance: mister May? mister May?

utterance: Whacked it. Seat belt free. Steering wheel not right. Too close to my belly button.

utterance: Can you wait till the medical people get by the door?

utterance: Timothy I am getting ready. That other fellow is not moving so I will be second unless you know...

utterance: #Uh see if you can find the button on the column and telescope the steering wheel.

utterance: Thanks Timothy. That's right I like it all the way out. Pushing the button and going in. Whole dashboard moved in a bit. I know now safety features work. Oh that white stuff that's the air bag. Thought it was a blanket. Oh that blanket made my chest purple on the right side. I have become a purple booby, Timothy.

utterance: I will call you later mister May after we get some information on the vehicle status. I will call the tow yards and find it.

utterance: I'm talking to Timothy the insurance man. Getting my vehicle taken care of. Door won't open.

utterance: Do I need to hang up mister May?

utterance: No, you're my witness that they take care of me properly and that I am of sound mind. Back pain.

utterance: I am Timothy Brum of Rivertown Insurance officer. mister May called me. Stayed on the line. Said back pain only.

utterance: [sounds of life] got my phone back, Timothy. No shard. Have a back board in case. Thanks for being with me.

utterance: Okay E. C.

utterance: Taking me to Memorial Hospital. Call you when I know more.

utterance: Okay mister May. Glad you made it.

utterance: Other fellow he's alive worse shape though. Survived.

utterance: Yes you did. Talk to you later this week. I will get the paper work started.

utterance: Does my policy get me a pretty nurse?

utterance: Of course mister May.

utterance: Bye Timothy. Be careful out here. It's mean.

utterance: Will do, mister May.


utterance: Hello this is Timothy Brum of Rivertown Insurance Agency. How may I help you today?

utterance: Marian Wright here, Timothy. I was trying to pay my insurance online, and it did not confirm the submit.

utterance: Do you have your policy number handy Marian?

utterance: I sure do. You want it.

utterance: Yes, Marian I want it.

utterance: Let me read it back. One two three space four five six seven space eight nine one zero.

utterance: You sure have it going, Timothy.

utterance: Looking at the bill area. It's displaying an error. Can you check your bank balance Marian. I don't want to end up double charging you.

utterance: Let me get to my computer. Be a few seconds.

utterance: I can fix the error Marian if it did not make it to the bank. I can still fix it with your help if it did make it to the bank but we will have to involve the bank.

utterance: Viewing, viewing still viewing. Oh I need to go to pending. Give me a few more seconds.

utterance: Seconds granted fully.

utterance: Seconds sure are good, Timothy if it is fried chicken or fresh caught fish.

utterance: I agree with you there, Marian.

utterance: No recording of Rivertown Insurance being paid Timothy. Is it stuck in cyber space?

utterance: We have some built in safety in the pay processing area that if anything goes wrong to just shut done the transaction. That is what it did but I do not know why it gave an error message.

utterance: Let me look up Down Detector. We might be having a cyber attack.

utterance: What did you find Marian?

utterance: It's a cyber attack. A big one. oh my goodness it's ransomware just everywhere. Over two hundred companies hit. What should we do Timothy?

utterance: I'm going to cancel the transaction and reset everything for you so we can ready payment.

utterance: #Um do you think that is wise?

utterance: It clears everything, Marian. It lets me set the payment in ready mode. I will wait out the ransomware attack. Send it later with a so noted.

utterance: Is that a new process Timothy?

utterance: It's one we paid for from a security startup. Ransomeware has not affected our payment system yet on this end.

utterance: Is there anything I can do to help since I caused it?

utterance: No, no, no. You did not cause it. Some gang or country caused it. I need you to cancel the transaction manually just as a double check.

utterance: I am on it. #Uh back in my bank account. It timed out. Gives you that friendly message of I just closed the door in your face.

utterance: Oh Marian. I need you to go to Rivertown Insurance Agency online account and clear it on your computer. If our site does that it's for safety of the numbers, Marian.

utterance: I understand all that Timothy, but it's frustrating.

utterance: Okay. It is. But a necessary evil to keep personal information safe.

utterance: I've been wanting want wanting one of those uptown scan your eye things and it opens.

utterance: I'll let you know when we do that Marian. Put you first on the list. Got that information deleted.

utterance: It's gone with the wind now. Off in the airy cloud of data.

utterance: That data security firm we teamed up with can find it.

utterance: Do they do residential? Might be fun to get a lesson or two in and secure my personal information on my devices.

utterance: Not yet, but I will let you know when they go residential. It's proprietary things so waiting on their patents I think before branching out any further.

utterance: I'm glad to know that the Brum's do the latest. I am not an old school girl at all grrrrr.

utterance: I'm scheduling a call in two days to confirm your payment went through. #Um marked with no penalities and a multi-colored flag to get may attention.

utterance: How did you discover that startup security firm?

utterance: Well, Marian we went to a conference and the firm was there. We did the pilot initiative. Would you like to do that if they decide to go residential?

utterance: I would love that, Timothy. If you do something I would pilot for you as well.

utterance: Well, once in a while we do that. I will put you on the list.

utterance: It's my heart desire that when extremely old to do those things I hear myself back as in phrasing on some phone call or audio. Different people have unique ways of stringing words together.

utterance: In insurance we have to be clear. Synonyms can get us in trouble.

utterance: You have a different language Timothy when you go into your business speak. I have to get a dictionary sometimes.

utterance: It's to define the boundaries, Marian not to hide anything.

utterance: If you say so, Timothy.

utterance: For the moment I say so. I think we are all set. I will call in two days to check.

utterance: Writing myself a note so I be ready for that.

utterance: I hope all goes well with you and yours, Marian.

utterance: I hope so, too. You behave yourself Timothy and do good works.

utterance: I will.

utterance: Bye.

utterance: Bye.


utterance: Hello! This is Timothy Brum of Rivertown Insurance Agency. How may I help you today?

utterance: Timothy this is Charlsie Wiley. #Um my husband God rest his soul his perfect soil. Died in an accident of his making. I need to discuss the financial matter of life insurance.

utterance: Oh missus Wiley, I'm sorry to hear of that. Did not realize it. Let me find your life insurance policy and see what we can do. Did you say he died in an accident?

utterance: Why yes Timothy. Of his own making I said. Roger bought this bright shiny new used private plane. Sometimes when you buy something used it needs some things fixed.

utterance: Roger died in airplane accident?

utterance: Not exactly, Timothy. #Um Roger, Roger cremated himself early in his used plane.

utterance: #Uh I have to know for the life insurance policy a few more details, miss Wiley.

utterance: I understand. I buried Roger this week what was left of him. Had an urn ready.

utterance: Okay, missus Wiley. I understand. It's a bit...

utterance: Roger bought a plane with a fuel leak. It would leak in the cockpit where he sat. The report said a fuel venting issue. I told him not to fly it, and the airport told him that.

utterance: Was he just near the plane, missus Wiley?

utterance: No, he decided to fly it. That fool! God rest his soul in that perfect fire.

utterance: His death activated the usage of the death benefits, but for record keeping was it from home or from an airport?

utterance: It was from an airport. The airport told him not to fly it. They said a fellow came out and inspected the plane. I have the paper. Cannot find that fellow.

utterance: Did Roger get in and it happened?

utterance: No, Roger made it to the air. It went the way blue yonder way with fire.

utterance: Is there an airport report?

utterance: Yes. I will bring it. #Uh let me read what they say. This copy being prepared by TriCity traffic control tower. It concerns the emegency involving Cirrus SRtwo two Gthree Turbo GTS July two three rd at approximately one four zero five Universal time coordinates...

utterance: missus Wiley, I hate to interrupt, but is that a certified report?

utterance: #Um yes Timothy. They had an audio. I was hoping to hear Roger's voice one last time. They made a transcript of it in detail.

utterance: Go on. I just need to hear the actual accident part.

utterance: It has the fellows name. John Avery. You can find John Avery at the airport.

utterance: Go on.

utterance: No communication other than the sound of crashing. They reported they saw the aircraft take off. A mechanic on the ground reported the plane veered off course. #Um the cockpit window lit up, he said. It crashed and formed a fireball on the tarmac area.

utterance: Anything else?

utterance: Yes, they decided that fuel sloshed into the cockpit area and sparked. John always did like a warm seat. Oh Timothy, I miss him so.

utterance: Okay, no problem getting his death benefits. Let me explain. Life insurance has a death benefit for the beneficiary. On Roger's policy you are the beneficiary.

utterance: I'm glad to hear that.

utterance: I'm going to ask this gently as I can. Do you have the death certificate yet?

utterance: The funeral home helped me request those. It is coming. It says an accidental death.

utterance: The money you receive from the death benefit is not taxable. Tell your accountant that the money came from life insurance and is not gross income.

utterance: #Uh Timothy can I have that in writing either a document or email?

utterance: Yes, missus Wiley. I will send by your email and put an attachment. Give to your lawyer and accountant.

utterance: Thank you for that.

utterance: I have to put into the home office. Your death benefit from your husband's death is six hundred eighteen thousand dollars.

utterance: That will pay the bills and added expenses for the funeral. Family was in town at the hotels and...

utterance: The main office will send the check or would you prefer direct deposit?

utterance: I would like direct deposit.

utterance: I'm putting that as your preference. It will be about three days after I turn this information in which will be today.

utterance: I appreciate it, Timothy.

utterance: I need you to mail me a copy of the death certificate or drop it off here for the records. I just found Roger Wiley's obituary so I will send that as proof.

utterance: #Um writing notes so I remember that.

utterance: In about six weeks I will give you a call. We will update the insurances and your life insurance policy.

utterance: Did I make Roger the beneficiary?

utterance: Yes, missus Wiley you did.

utterance: I understand that we need to go through things.

utterance: Once again I'm sorry missus Wiley about your husband.

utterance: I am, too. He was happy about getting that silly plane.

utterance: Okay, missus Wiley. Do you have people staying with you during this time?

utterance: Yes, I will be fine, Timothy. It was hard to talk about what he did to himself.

utterance: Is that all you need, missus Wiley?

utterance: Yes Timothy. Need to go take care of some other death business.

utterance: Okay. Talk to you in a few weeks, missus Wiley.

utterance: Bye Timothy and thanks. Do not go in places with fuel smell.

utterance: I hear you, missus Wiley. Bye.


utterance: Hello. Betty Huntington here. My son, James, is going to college this year.

utterance: Congratulations, Betty. Where to?

utterance: #Um out of state, Timothy. All that playing with computers paid off in a scholarship to MIT.

utterance: What are you concerned about?

utterance: How is insurance on my baby going to work now that he is going to live in Massachusetts? It's colder than Texas.

utterance: Let me pull up the policy to see what you have James on.

utterance: I will wait then.

utterance: #Uh James has a vehicle and you cover him with your policy, but it had a local clause on it so we will have to change that. Should make the policy go up some. Somewhere between two five to five zero dollars. Have to get information on MIT region and see if any discounts.

utterance: #Um James decided to find a room rather than the dorm. #Uh how do we insure that, Timothy?

utterance: Oh, does not want the dorm experience. Why would that be, Betty?

utterance: James is reserved. Serious about his studies and dorms have that wildside despite room monitors. He would rather have the option to be on his own. I think he is ready. To tell the truth James wants to decide when to be wild and when not to be rather than the social pressure.

utterance: Has James always been that way Betty?

utterance: James has been reserved but we have a set of Aunties in the family who like to encourage our young people to fool around irresponsibly. When they do they endlessly torture a young person about at it every gathering. They like the gossip. They do the same thing when someone divorces. They get someone decent, those Aunties mention every other affair the person had. James witnessed that growing up.

utterance: Your people, Betty?

utterance: Oh yes, my people. My husband's people they stay quiet about such things. Finding ways to protect James in case he does do the wild.

utterance: Thank you for the background information, Betty. Let's talk renter's insurance since James will be so far away. Renter's insurance protects belongings. Either the belongings a person brings with them and any belongings they pick up while renting.

utterance: #Um tell me more, Timothy.

utterance: That renter's insurance will cover theft, vandalism, fire, and smoke and water damage. The water damage has to be from plumbing, a water heater or a furnace or air conditioner.

utterance: Intriguing that it allowed for water damage from an air conditioner, furnace, plumbing or the water heater.

utterance: Those are the most common things that damage renter's belongings, Betty. All done by data then a cost analysis. I know you were an accoutant and understand risk.

utterance: I had not thought of theft, Timothy. James would need to replace things then. Shipping items from home could get expensive. Of course there is always Amazon.

utterance: Yes, Betty. I hear you on the Amazon. James being the more mature person he is could order direct once he filed a claim and got a check.

utterance: Would it cover electronics because James has a pile of those devices?

utterance: What type of electronics Betty?

utterance: He has laptops, tablets, and some smart devices that I know of.

utterance: Most of that is covered. If something is particularly expensive or possible James created one will need an additional policy on those.

utterance: James is inventive. Why he got the MIT scholarship for four years. I will check Timothy.

utterance: Now if something does happen Betty rest assured James would have reimbursed living expenses.

utterance: Explain it to me.

utterance: If what James chose to rent, and it is deemed uninhabitable then the renter's insurance would pay any increased living costs for the next place for a time.

utterance: Is that house or apartment, Timothy?

utterance: For either one, Betty. Do you know where James is renting at?

utterance: Oh not yet, Timothy. We have been looking. We will take a trip to Massachusetts in a week or so to make a final decision.

utterance: I can fill out all the other details with your preferences. Then once you the decision is made you can give me a call from Massachusetts with the specific information on the rental. I can get the renter insurance processed quickly.

utterance: I appreciate that Timothy. One less thing to worry about.

utterance: The renter insurance also gives James liability protection.

utterance: #Um how so?

utterance: It pays for any legal expenses, and medical bills if someone sues your son.

utterance: Oh my. Toddlers were much easier to deal with. College age is all the big stuff.

utterance: More adult stuff coming, Betty. If James has a guest over, and they become injured well it pays for medical expenses of the guest even if it is not James' fault.

utterance: Can I have a link to read over the details, options, and possible expenses?

utterance: Of course, Betty. Will send right after our chat.

utterance: Some of the options will depend on what place gets rented, and where it is at.

utterance: Totally understood Betty.

utterance: I like the whole idea. I would like James taken care of that way.

utterance: I am sure you would.

utterance: Here I was worried about the wilds. Here you are informing me of the other dangers I had not thought of. I may keep James home with me.

utterance: Oh but Betty, James would lose that lovely scholarship he earned from MIT.

utterance: Having college age children is fraught with peril. No one tells you that when you have the cute little baby.

utterance: Oh Betty I sell insurance I have to by law tell you the worse case scenario in the product.

utterance: #Uh I spent all that time making sure James did not eat too many bugs, did not injure himself too badly, gave him manners, and some heathen child that I did not prepare for will do something to him.

utterance: Betty he is ready. James is ready. You did a good job. Rivertown Insurance is here for the what ifs? You will get that handled as well, too. Is James going to work while at college?

utterance: It is a possibility, Timothy. You know other males especially older ones will put James through the gauntlet of tricks. Old men love to do that. My husband did but not to James because I wouldn't let him.

utterance: That is what insurance is for Betty to remind older men it will cost them. If James works maybe he could pay for an option he would like. Think of it as a learning permit for insurance.

utterance: Thank you, Timothy, for all the good information. I will call from Massachusetts to let you know. When I get the link I will have James fully explore so he understands.

utterance: Okay then I will look forward to the next call.

utterance: Bye Timothy. I need to check on James for my peace of mind before the heathens get hold of him.

utterance: Bye Betty. I will send the link.


utterance: Hello! This Timothy Brum of Rivertown Insurance Agency. How may I help you today?

utterance: Hi Timothy! This is Geraldine from church. I doing some considerations. I need your help in deciding some things to add to my house.

utterance: #Uh Okay Geraldine. What have you been thinking about in detail?

utterance: I have been praying about those thieves in town and about those tornadoes that have been passing through. I got a nudge.

utterance: A nudge?

utterance: Oh, you did not hear the sermon two weeks ago. You pray and most of the time Jesus responds, and you ignore it--.

utterance: #Uh where does the nudge come in, Geraldine?

utterance: Timothy, I was getting to that. You must be patient. Remember the song I taught you as a teenager in Sunday School. Have patience, have patience don't be in such a hurry...

utterance: Oh, I remember miss Geraldine. I have never forgotten your lessons. I would not be the good insurance agent today if I had not practiced with you first.

utterance: I am glad I did you some good. Now my considerations have been about buying a tornado shelter and putting thief prevention in or buying a safe room. Robert is older now and though still the man needs a little more protection to keep him out of trouble.

utterance: How so Geraldine about Robert?

utterance: He was in the Korean War and though the memory is strong the body is more frail. Rather than a tussle with a thief thought I would take him to a room. Running away from tornado well Timothy we do not run fast.We sashay. I need a room.

utterance: Now I understand more than I did, Geraldine. How is it you want me to help? The church way or the insurance way?

utterance: In my considerations tornado shelters are underground sometimes with a hatch and sometimes with door. Do I get a discount on my homeowner's insurance if I let construction people dig up my flowers to put that in?

utterance: #Uh. We do not cover tornado shelters. It's underground and no tornado has ever sucked one up out of the ground yet.

utterance: Well, good that helps. Really, really, really helps.

utterance: Why so, Geraldine?

utterance: I was not looking forward to having Robert climb down a ladder into a hole. I was going to buy an inflatable and if he well if that tornado was coming fast I would have dropped him in the hole. Don't tell anyone. It would have been for his own good. It's hell getting old.

utterance: Is it okay I speak now Geraldine?

utterance: Why yes, Timothy. I confessed to you, and I feel better that you know about unusual solutions.

utterance: Safe rooms are a different story Geraldine. It sounds like the better option for Robert. You can put that that candy--you will not let him have in the safe room. Those cigars you took away. It might help the sashay.

utterance: I believe so. I have been pricing safe rooms or looking at converting a room in the house to that. How does insurance work with that?

utterance: Well, Geraldine if it is an addition to your home or you have construction convert a room to a safe room then homeowner's insurance will cover that, and there are some discounts which we will talk more about when you make your decisions.

utterance: What about those self-contained safe rooms made to just put outside your home?

utterance: That I will have to do some research and talk with the the home office, Geraldine. I will get that information for you. Was there an incident on your street near the home with thieves?

utterance: Not yet. I like to prepare before an incident, Timothy. I did talk with John at church who is a retired law enforcement man. Some things have changed in town. I got to considering what I would do.

utterance: What all did the considering involve Geraldine?

utterance: Robert is slower, Timothy. Like winding down a bit every day. Nothing wrong. Still healthy. But eating takes an hour, walking takes longer. We have moved to turtle phase so to complete it he needs a shell.

utterance: Well, Geraldine I don't know what to say to the turrle comparision. We don't insure that either.

utterance: I know. You have to adapt and be flexible or your chance of being hurt or injured goes up in old age. I know what adapt or die means now.

utterance: I hear you Geraldine. We have an affiliated partner for medical. I could introduce to them. They do not go to our church, but are good people. We do not do medical directly, but when someone has a car accident it is who we go to make decisions and get advice.

utterance: We have medical insurance Timothy several policies all up to date.

utterance: I hope so, but do you have longterm care insurance? Robert is healthy so will possibly last a long time.

utterance: Oh, Timothy I understand now. A safe room with assistance like for twenty four hours.

utterance: Something like that Geraldine.

utterance: Right now I need assistance for emergencies only. Robert never wants to give up his favorite chair.

utterance: Understood Geraldine. If you can find a duplicate favorite chair might be good to put in the safe room.

utterance: I had not considered that Timothy, but putting that idea on my list right now. I have to make lists now.

utterance: While you have that list out would you like the number for Insurance girl Becky who does longterm care policies?

utterance: No where on my insurance list is longterm care. Yes give it to me, Timothy.

utterance: One eight hundred four five four three three eight nine. Tell them Timothy Brum sent you. I will make a call and tell them your situation so you are introduced. Ask for Becky.

utterance: Let me repeat it back to you Timothy. One eight hundred five five four three three eight nine. Is that it?

utterance: Not quite. One eight hundred four five four--.

utterance: Oh let me correct that. Okay Timothy repeat it again.

utterance: Right back at you. One eight hundred four five four three three eight nine.

utterance: There you go, Geraldine.

utterance: Call miss Becky for longterm care insurance.

utterance: Correct Geraldine.

utterance: You are a good man, Timothy. Glad you listened to me in Sunday School.

utterance: I am glad I did too, Geraldine. Anything else I can help you with?

utterance: Yes, Timothy so how do I insure my safe room.

utterance: I am going to mail you some papers from the government FEMA who did some work on safe roomiss have some discounts, and estimations. You get your estimations. Make your decision. Call me. If I do not hear from you in a couple of weeks. I will call and see where we are at that way. Now miss Geraldine that is between you and I and not every one at church.

utterance: I agree with Timothy. I love them, but they put their nose in everything.

utterance: One of your lessons Geraldine was--Be wise as a serpent and gentle as doves especially around wolves.

utterance: You did hear me, Timothy. That was a bad day.

utterance: Thought I would let you know, Geraldine.

utterance: Thanks Timothy. I think my considerations with insurance are done.

utterance: Okay then. Bye Geraldine you have a good day.

utterance: Bye Timothy I will.


utterance: Hello! How's it going? This is Craig Brum of Rivertown Insurance Agency. Timothy is in the field chasing tornado damage reports.

utterance: Hello Craig. This is Jim Read. Need to look at policies and make some changes. Changing the plan, I am.

utterance: #Uh well mister Read which one do you want to begin with?

utterance: Start with car insurance. Think I have two policies with you.

utterance: You have your policy number.

utterance: Of course. one two three-four five six seven-eight nine ten for the vehicles.

utterance: You have preferred auto at deductible of fifteen hundred dollars. What needs changing?

utterance: Change it to complete auto and is that with the all inclusive discount since I have my house with you as well.

utterance: Yes, sir. You still working for Chevron-Phillips?

utterance: Why yes I am. Kicking at EXXON every day making discoveries in the laboratory for more effiecient processing. You say that Craig with a long o. Proooooocess.

utterance: Heard and known now. What next, Jim?

utterance: Let's take a look at my hook 'em horns option homeowner insurance.

utterance: We looking at the whole policy or the deductible?

utterance: The deductible, Craig.

utterance: You have the Home Preferred option so sixteen hundred a year deductible.

utterance: Move it to the Home Complete venue.

utterance: That's two thousand a year, Jim. Any other details?

utterance: I will read it when you send me the updated policy.

utterance: What's next?

utterance: Life insurance. Add a policy the cheapest one you have. Have young son who is an adult coming back home. Out of drug rehab again.

utterance: I don't know what to say as in whether to offer congrats or condolences?

utterance: Stay neutral till we see which way the it flows. That young man knows I'm a gent with a heart of gold with kith and kin. If I ever met the guy who invented that illegal drug I would murder that son of a gun in the very, very first degree.

utterance: I would recommend upping the health insurance if he is going to be on yours and not his own policy.

utterance: I don't have that with you all.

utterance: I have an affiliate group we associate with for such. Her name is Becky. Might want to see what they have to offer, Jim?

utterance: Can she send the information and a contact point?

utterance: Yes, if I have your permission to release your address to her and phone number.

utterance: Do that. Any other insurances you have that might cover the possible coming situations?

utterance: No, but we need to go back to the Life Insurance policy for more information needs.

utterance: What do you need?

utterance: Name of son, age, income etc.

utterance: Clarence Thomas Read. Age is twenty-five. Last time I checked male.

utterance: Give me a second.

utterance: Second given and a third and maybe a fourth.

utterance: Need a date of birth Jim as well as Social Security number.

utterance: July twenty-third nineteen ninety five I was sitting by Bessie's bed listening to the cursing of transition. Six weeks later Bessie decided she liked me still. Social Security number I will call back with.

utterance: Your son have an employer.

utterance: #Uh did not pass the drug test and why the rehab. Got caught again which is a good thing.

utterance: Okay so dependent. So truly add to your policy.

utterance: At least for a while or until he goes too far and dies from that devil concoctions.

utterance: Until I get the information cannot give a true quote, Jim.

utterance: I know. Put a timeline of year and a half on it. Period of time I am giving him to restart and then cut off. Tough love thing.

utterance: Oh, you've talked with the counselor.

utterance: Yes, Craig more times than I care to count. Some day I will not be around. The safety net will be gone.

utterance: Would you prefer I talk with Clarence on some of this?

utterance: No. Clarence is not trustworthy presently. Goal is to move him that way. He may try to get policies here on his own. You know the situation so do the risk calculation before accepting his word.

utterance: Okay Jim. I see the reasoning now of what you are doing and why.

utterance: Dealing with a liar costs money, causes illness from stress and makes life more difficult than it needs to be.

utterance: Hope I never know, Jim. Can only offer business help.

utterance: You deal with the hand given to you. #Uh Clarence had such potential, and he squandered for liars and thieves. He wasn't abused or mistreated. Good loving son when young. Then someone gave him those illegal drugs and his genetics latched on to that. It changed everything. They always want approval for that lie.

utterance: Hell on earth?

utterance: Yeah, Craig. Good description is hell on earth.

utterance: Putting notes on this about Clarence vaguely done mostly permissions on which part and where you take over.

utterance: #Um good idea. Have to go through the usual crudeness of the community defending poor Clarence's rights instead of his victimiss Mostly women. Apparently victims do not have rights or parents in the eyes of the public. Different story in industry and at work.

utterance: I hear you, Jim. I think we have covered the bases and the baseness. Anything else?

utterance: Not that I can think of. If I do I will call.

utterance: You do that, Jim. You'll hear from me soon.

utterance: Bye Craig.

utterance: Bye Jim.


utterance: Good evening. Thank you for calling Rivertown Insurance. This is Lou, how can I help you today?

utterance: I need to reset my password. I forgot it. Can I do it online?

utterance: Yes, you should be able to do a password reset online, just click the button that says forgot password.

utterance: I tried that already but I put in my email and then it says an email will be sent if that email exists.

utterance: Okay, can you tell me to whom I have the pleasure of speaking with today?

utterance: Sorry, my name is Stacy Crumbs. I checked my email and I have not gotten anything yet.

utterance: Stacy how long has it been since you requested a password reset?

utterance: #Um, about ten minutes now.

utterance: All right, let me see if I can access your account. Can I have your first and last name, date of birth and customer number?

utterance: Well it's Stacy Crumb, ten four seventy nine and I I I don't have my account number.

utterance: That's okay, can you tell me your social security number and phone number on the account?

utterance: Oh yeah, that's seven four two three zero nine nine eight four and six oh eight seven three six one one seven two.

utterance: Great, alright to verify it's you can I have your mother's maiden name?

utterance: Yep that would be Silvia, I mean Taylor.

utterance: Perfect. Your account is pulled up now. It looks like you locked the account up. Let me see if I can fix this.

utterance: Oh, how did I lock my account?

utterance: After three incorect attemts to log on the system will lock you out for security reasons.

utterance: That makes sense.

utterance: We want to protect all our customers. Stacy could you tell me your email address?

utterance: Sure it's cheermomtwelve at gmail dot com.

utterance: All right, your account has a different email listed. That's why you did not get the reset email.

utterance: Aw, that's right. I made this account years ago and got a new email awhile back. Can you fix it?

utterance: I sure can. Give me just a moment and I will get you updated.

utterance: Great. Can you still reset my password and I need to update my card info. Or can I do it myself?

utterance: Yes I will send a password reset to your new email address and you can just click the link and put in a new password.

utterance: Okay, and the card information?

utterance: You can update it once the password is reset or I would be more than happy to do it.

utterance: I will just do it myself, thank you.

utterance: All right, go ahead and check your email for the reset link.

utterance: One second.

utterance: No hurry, just let me know.

utterance: You know I hate technology most days. It's funny how much we depend on it.

utterance: I understand completely. It sure is helpful when it works.

utterance: You got that right.

utterance: Has the email shown up yet?

utterance: I completely forgot, yep. There it is. Okay I clicked it.

utterance: All right now it will ask you for a new password. The password must have at least one capital letter and one number.

utterance: Got ya. I am putting it in now.

utterance: Great. Now it should ask you to sign on.

utterance: Yep and I did. It worked!

utterance: That's wonderful. Now don't forget to update your payment.

utterance: I am headed there now. Thanks so much.

utterance: No problem, is there anything else I can help you with today?

utterance: Nope, that was all.

utterance: All right then Stacy you have a wonderful day.

utterance: You too. Thanks again.

utterance: You're welcome. Goodbye.


utterance: Hello! This is Craig Brum of Rivertown Insurance Agency.

utterance: Hello Craig you holding down the fort?

utterance: Yep, I'm holding it down and helping people at the same time. How about you?

utterance: This is Ray Towns. No, I'm not holding anyone down or helping anyone but myself right now.

utterance: So what can I do for you Ray Towns?

utterance: I got a new vintage car, Craig. Need one of those special auto quotes.

utterance: What did you find Ray?

utterance: Went to an estate sale and found a vintage one nine six seven Turquiose Blue Jaguar. Meow!

utterance: Is that cat purring, Ray?

utterance: It starts. #Um needs a bit of interior work on the driver seat, but other than that mint condition every where else.

utterance: Did you pay market value or get a bargain Ray?

utterance: Craig you know I never pay full price. I got it for half price. Mine free and clear.

utterance: Okay Ray. Now you know that cannot be a regular policy so let me look up market value and go from there.

utterance: You do that.

utterance: #Um for the moment let's say it's excellent condition. It's value will range from around eighty eight thousand to as high as one hundred eighteen thousand. I need to see the vehicle for a precise quote so it will be an estimate for now.

utterance: I understand.

utterance: Ray are you going to tell me how much you paid for it?

utterance: Not eighty eight thousand. I did tell you.

utterance: You got a one nine six seven start that engine Jaguar for four four thousand.

utterance: Should have been there Craig when I laid those Franklins down.

utterance: #Uh Ray we have to insure it for it's value not your bargain. How heavy was those bills?

utterance: I lied. I wrote a check.

utterance: We're going to go with American Classic. It does agreed upon value before you sign what money you have left to me.

utterance: It could have been yours if you would leave the office.

utterance: I leave the office and walk in people's homes just not during an estate sale. So what are you going to do with Jaguar, Ray?

utterance: I'm going to go get me a Cat Woman and ride around town. A living one to match that hood ornament MY Jaguar has.

utterance: Back to the policy. American Classic gives up to fifty percent discounts like you and your bargain making. It's available Nationwide.

utterance: I need to budget after spending all that. Start giving figures.

utterance: #Uh going to give a range since we do not have a precise agreed upon value but will be between two thousand seven hundred and three thousand. It could be more if the Jaguar is a specialized version.

utterance: A month or annually?

utterance: Annually Ray. So what color is the interior?

utterance: Oh Craig it's that warm cinnamon. Being leather it warms up when you sit on it.

utterance: Do you want the insurance estimator on what day?

utterance: Wednesday or a Thursday would be good, Craig. You coming with him or her?

utterance: Yes Ray. It may be the only time in my life that I get to touch a one nine six seven Jaguar.

utterance: Wise decision.

utterance: More details on the policy so you are fully informed. Policy will include the bodily injury, property damage liability, collision and of course comprehensive.

utterance: Will it have the medical?

utterance: Yes Ray. It will have uninsured motorist and the medical payment with the personal injury protection.

utterance: More worried about theft.

utterance: The policy covers that as well. Because it is a classic car you also get spare parts coverage, agreed value on loss settlements, pet coverage for that Cat you plan on and trip interruption. Anti-theft devices because it's a classic is a discussion Ray.

utterance: What about mileage, Craig?

utterance: That will affect the quote, Ray. You limit the miles the quote is less, but you can get unlimited mileage.

utterance: I plan on joining one of those Jaguar clubs for my social. You know stand around and talk about it.

utterance: Glad to hear that Ray. Make sure you think about your Jaguar as an investment rather than the usual car manner we think about.

utterance: #Um I hear you Craig. Make my decisions based on that perspective.

utterance: I will call you when I confirm a time with the insurance estimator.

utterance: Going to get some quotes on that leather seat. Have to find a restorer.

utterance: I can send you a list of people we recommend, Ray if you so desire.

utterance: Oh Craig I so desire.

utterance: It's a good investment, Ray. Glad you found that Jaguar.

utterance: I am happy too for it. Peace of mind Craig. Peace of mind.

utterance: You have a good day, Ray. Enjoy the Jaguar.

utterance: You too, Craig. Bye.

utterance: Bye.


utterance: Hello this is Timothy Brum of Rivertown Insurance Agency. How may I help you today?

utterance: Hello Timothy. We talked at the Lion Club about a week ago. Kathleen Traylor. You liked my sunflower hat.

utterance: I I remember. How are you? You talked to me about how to move into civilian insurance.

utterance: That's right. John, my husband, chose a military career but he is retiring now. Getting ready to buy our first house that is not military issue.

utterance: Civilian life is different in it's ways. So have you found a place, Kathleen?

utterance: We have.

utterance: Under contract and just waiting on a few items before finalizing?

utterance: You have it, Timothy.

utterance: I need the appraisal value of your home, and we will go from there calculating the insurable costs.

utterance: Oh not what we're buying it for, Timothy. How does that work?

utterance: As they say on Facebook, it's complicated. Usually get that in Messenger.

utterance: Start the explaining or I'm not paying.

utterance: #Uh Kathleen were you in the military, too?

utterance: #Uh no, but it does spill over, and is useful.

utterance: It goes by as a basis the square footage of the home multiplied by the cost to rebuild if the home was deemed totaled.

utterance: I'm listening.

utterance: Often that is the country appraisal cost. What you are paying is market value cost? That varies from appraisal cost.

utterance: My home has varying values then.

utterance: Kathleen, you could say that. Insurance covers replacement of the house not the value a realtor would put on it.

utterance: #Uh which means if I hired a contractor that would be the cost of his materials and labor.

utterance: Totally correct. #Uh the value of the square footage multiplied by value by square footage gives an estimate of replacement cost coverage. It's around two hundred eighteen thousand.

utterance: Is that what I am paying, Timothy?

utterance: No just an explanation of calculation. We go to a table now. The choice is two hundred thousand dollar dwelling coverage versus three hundred thousand dollar dwelling coverage.

utterance: If my house blows up Timothy I would have to come up with eighteen thousand since you would cover up to two hundred thousand. Think we better go to three hundred thousand.

utterance: Well maybe, Kathleen. You're going to pay what market value?

utterance: One hundred eighty two thousand and some change.

utterance: Give me your address, Kathleen.

utterance: The one I'm moving to since otherwise you will get a Marine base address.

utterance: I'd insure a Marine. My Dad was an astronaut. We do space cause we're Generation Apollo. Grew up in Clear Lake Timber Cove near Houston.

utterance: Oh Timothy. Two sixteen Burnett Drive, Webster seven seven zero fifty eight.

utterance: Got it. So the appriased value comes in at one hundred sixty nine thousand and some change. I would advise the two hundred thousand dollar for dwelling coverage which is a thousand dollar deductible along with one hundred thousand liability protection. Rate comes to three thousand nine hundred, Kathleen.

utterance: That's affordable. How does payment go, and what is liability protection?

utterance: You can pay annually up front and often a mortgage does that so you may need to check with the bank if they will collect it with the house payment.

utterance: If not, how do we pay?

utterance: Annually, but the option of spreading that amount over twelve months makes it easier to pay.

utterance: I would like the twelve month option.

utterance: Let me answer your questions about liability. In a homeowners insurance policy that portion termed liability protects against lawsuits. In case someone gets injured on the property or there's property damage caused by you and yours. It also covers your favorite pets.

utterance: Can I have an email with this information? I have to run it past my military man husband.

utterance: Not a problem. Give me your email, Kathleen.

utterance: Kathleen nine two one at earthlink dot com. It will be changing once we move.

utterance: Understood. Now once you move in we will have to tweak your policy for sheds, special items in the garage, or guns possibly.

utterance: Oh, you do understand. Yes, we will have some of that most likely. Those moving not sure yet what all they are taking.

utterance: Just give me a call, Kathleen. We can tweak and add things.

utterance: Good because it will take a some time to sort it all out and about and to be retired.

utterance: I hear you, Kathleen. I'm scheduling a call back with you in a week and a half to see where the house buying is.

utterance: I will attempt to talk to the mortgage broker to see if we can put insurance payment with the house payment.

utterance: That's a lot in a month's time. If you need any help with insurance feel free to call anytime. I will try to answer your questions as best as we all can.

utterance: Lots of choices as a civilian.

utterance: Yes, Kathleen there are. Why you keep us safe so we can have those choices.

utterance: Bye Timothy.

utterance: Bye Kathleen.


utterance: Good afternoon this is Craig Brum of Rivertown Insurance. If you are pondering where Timothy is he is out in the field. How can I help today?

utterance: This is Jim Cox, it's fine if I talk to you.

utterance: What are you needing today, Jim?

utterance: I have had an incident in my garage workshop.

utterance: Well, tell me about the incident Jim, and I will tell you if we can help.

utterance: I got up like I always do at dawn. Got my coffee and headed to the garage to admire my new truck.

utterance: Go on, Jim. Tell me.

utterance: Drove trucks all my life for the oil field work I did. I bought me one of those two zero two one Ford Raptors with all the dodads. Velocity Blue that gleams as the sun hits the hood on a fine Texas day.

utterance: No damage yet, Jim just go on and tell me. two zero two one Velocity Blue Ford Raptor Timothy told me he insured that --had leather seats.

utterance: Yep, dark brown fine grained leather seats with one of those butt warmers. I was running my hand along her fine back wheel base at the end of the running boards when I saw the dent.

utterance: Did you hit something on the way home, Jim?

utterance: Nothing like that Craig. This is a tale that is rare. Parked it in the garage without a dent. I hear a ruckus.

utterance: #Um Jim if you killed someone we do not take care of that. I know you had Green Beret training.

utterance: Craig I have settled down a bit since then. I came around that corner thinking a thief had made it to my workshop. But when I looked down I saw the Mother Nature raisins.

utterance: Mother Nature raisins? You will have to explain that to me.

utterance: Oh Craig you are getting a lesson here. Those raisins were inky black and oval shaped. Pointed at one end and flat on the other sitting in a cluster on my concrete. Animal excrement, Craig.

utterance: Well Jim. I have to tell you insurance does not cover animal poo.

utterance: There's more, Craig.

utterance: Okay. Tell me more then, Jim.

utterance: I have an attached workshop to the garage and an inside door. I cautiously walked up and sure enough the door was ajar and the noise oh Lordy the noise from there with a snort. Now that the critter caught a whiff of me.

utterance: Okay you killed the critter?

utterance: Should have because it was a fine looking four point buck deer.

utterance: Well, what happened then if you did not kill that buck?

utterance: That buck tore up my workshop because it was not smart enough to know the door was ajar not shut.

utterance: I am trying not to laugh, Jim. I need a damage assessment so I can tell you what is covered. Timothy is going to come to your house to verify this claim.

utterance: When I opened the door and that buck saw it could escape, it lunged at me and took flight. Nearly knocked my head off with its hooves. I fell backwards onto garage floor to save myself and got those Mother Nature raisins tangled in my hair.

utterance: Did you have to go to the hospital Jim for injuries from a deer?

utterance: No, sir. No sir, Craig. I bounced back up. Mother Nature raisins softened the concrete blow to the back of my head. Took a look at the workshop. Mostly things got jostled to the floor, but one wall had a buck shot imprint from a hoove and some deer urine on my chair. Thought about gathering it for French perfume factories.

utterance: How did the deer get in there?

utterance: Yesterday I mowed the grass and left the mower on my back porch. Rain shower happened. I figure I left the side door open and the deer wandered in. Property backs up to the National Forest.

utterance: You ready to talk insurance, Jim. It looks like two insurance claims will have to be filed.

utterance: Two why so, Craig?

utterance: If it is assessed that the dent in the truck is from the deer then it is covered with automobile insurance. You have comprehensive insurance on your new Raptor truck. It covers damage done by animals.

utterance: Good to know. What is the other one?

utterance: The other insurance is homeowner's insurance. It will cover the damage done to the drywall.

utterance: Is that all it will cover?

utterance: Yes, Jim that is all it will cover. Animal damage done to things in the garage or workshop is not covered so the chair that got rained on by the deer we cannot cover that.

utterance: Insurance does specific doesn't Craig, not general?

utterance: #Uh you can look at it that way Jim. You will get some things covered after Timothy takes a look.

utterance: Leaving the Mother Nature raisins as proof, Craig and the deer urine on my chair.

utterance: Understood Jim and probably a good idea since not the normal type of denting on wall or truck.

utterance: How does insurance classify payment for damage of that in case I have another animal incident?

utterance: Insurance the homeowner's one pays for structural damage done to a place, but it is limited. If the deer had chewed wiring in the room it would not be covered but the dents are.

utterance: The vehicle insurance?

utterance: Different, Jim. Comprehensive would pay for a squirrel dropping from a tree leaving a dent or if one got inside the vehicle and chewed up all the upholstery. Each insurance is different. Ready to make an appointment?

utterance: Well, I have Wednesday morning and Friday afternoon available, Craig. How about you?

utterance: You are in luck Jim. Timothy can come Wednesday morning around nine three zero am.

utterance: That works with my schedule Craig let's set that.

utterance: Set, Jim. Anything else or anything else you find make a list to give to Timothy.

utterance: I can do that. Does that conclude our business--.

utterance: Business concluded unless you have anymore questions or stories.

utterance: I always have a story Craig, but you have to work.

utterance: Okay Jim I guess I better go earn a living then.

utterance: I think I will go play a round of golf and think about you.

utterance: Bye Jim have a good golf game.

utterance: Bye Craig you have a good work day.


utterance: This is Craig Brum speaking of Rivertown Insurance. How can I help you today?

utterance: Hello Craig. This is Garland. Where is Timothy?

utterance: Timothy is out in the field today. You get me. #Uh I got a few bruises on the back of my head crawling around in an attic and then.

utterance: You don't say Craig. What happened?

utterance: The Lady had mentioned noises in the attic so I assumed it was the duct work rattling. Nest of cliff swallows took flight at my poking around. Thought it was a rabid bat. So I forgot about the attic ceiling incline and the back of my head met roof heaven.

utterance: Are you insured, Craig?

utterance: Yep Garland I am insured and pay the same rates you do.

utterance: I need to file a claim, Craig. Storm did some roof damage, knocked a large tree down.

utterance: Let us get your policy pulled---.

utterance: Number one two three dash four five six seven dash eight nine one zero. Had ready for you.

utterance: Got it. Garland Raewald. Is that you?

utterance: The one and only in this town.

utterance: Either I or Timothy will come take a look. #Uh pulling up the online form to get the process started. Give--.

utterance: You ready for the rest yet, Craig.

utterance: Yep, yep give me the address.

utterance: Eight one ten Main Street.

utterance: Got it. Tell me what happened and where you think what you know about the damage.

utterance: That front came through day before yesterday Craig. Regular like thunderstorm. I was in the house when wind came straight down out of the sky. I mean straight down from the clouds and rattling happened.

utterance: Mhm. Go on Garland.

utterance: Well ran to the back door and saw pieces of something flying off the house. It only lasted about six minutes. Not loud but fierce. Then cracking and snapping the backyard tree toppled over.

utterance: No roaring like a train or gurgling of drain pipes?

utterance: #Uh nothing like that. Did a frog strangular rain for a bit. It all stopped. Stepped out back saw some pieces of shingles on the ground. Now that was before the tree fell. Tree about eight feet up at the y split nearly in half and laid over. No twisting.

utterance: Your home is not the only one with damage. No reports of tornados Garland but of microbursts.

utterance: Microbursts what is that?

utterance: It's a flow out, Garland. Cold air falls out of the cloud direct and just splats the ground. The tree description fits the pattern of a microburst. Now twisted but like stepped on.

utterance: Is that something new from climate change?

utterance: Nah. Just did not have a name for it before. We use to just call it tornado.

utterance: You lied to me in your early years, Craig. .

utterance: Not intentionally. We did not have a name for it and policies were written with word tornado.

utterance: Show up for dominoes at church next Saturday and all forgiven.

utterance: Hmm okay okay Garland.

utterance: Fred died Craig. Don't you read the obits? Looking for temporary players.

utterance: Let's get back to the property claim before I have to confess every sin.

utterance: Any good ones?

utterance: Plenty tell you at dominoes.

utterance: I did not crawl on the roof but stood on a big branch of the tree. Roof mostly there a few tiles missing with some having the edges turned up. Policy said not to be touching or fixing things before talking to you Craig.

utterance: Any leaks inside the house?

utterance: Did not see any on the ceiling. No puddles on the floor. Tree missed electrical lines. May be some fence damage but do not know till it is chopped up a bit. Do I get money for the tree?

utterance: Your homeowners policy covers wind damage and that's what a microburst is. Roof covered and coming out will determine if replacement or repair. Looking at the tree information so is the fence if damaged. Could you get out your back door easily?

utterance: The tree fell near the house with some branches brushing. Had to wade through a few branches once I opened the door but nothing major.

utterance: Have to take look Garland. If the the tree ruffled the roof then it is covered. If the tree had rot then it's not. You saw tiles coming off the roof you said.

utterance: Pieces of shingle, Craig.

utterance: They off the front of the house, Garland?

utterance: No the back.

utterance: We'll have to take a look. Noise may have been the branches rubbing on the roof after the splitting. So no promises but based on cause and effect scenarios. How old is the roof?

utterance: About ten years old no about nine years old.

utterance: Garland things in insurance often are pro-rated so all that factors in but at this point you will get something just cannot estimate what.

utterance: Do I go ahead and hire someone?

utterance: I have a list of vendors, Garland that we recommend. Or you can find one. Need about three estimates on your own. Ours they are told what it will be.

utterance: Let's go with your list Craig.

utterance: Okay Garland. Can we come out this afternoon, take a look and make some measurements?

utterance: Works for me Craig. Be back home around two this afternoon. Have to go the VFW.

utterance: See you at two Garland.

utterance: Bye Craig.


utterance: Hello! This is Craig Brum of Rivertown Insurance Agency. Timothy is out in the field. How can I help?

utterance: Craig, I'm Brent Brentzel. I want to increase the amount on my life insurance.

utterance: Okay, Brent. Do you have your policy number handy?

utterance: Yep. One two three dash four five six seven dash eight nine one zero.

utterance: I have it. Looking at your life insurance policy you have the minimal so room to expand it. It will increase the premiums.

utterance: Understood, Craig. How high can I go?

utterance: Well, before we get to that what made you want to increase your life insurance coverage, Brent?

utterance: I paid for a ride on Blue Origin.

utterance: Blue Origin? Can you explain that? Is that a new dance?

utterance: Craig, you need to get with the times. Bezos' space rocket. I paid for a seat to space.

utterance: You did? How did you manage that Brent?

utterance: I'm a business man, Craig. It's commerical space flight. Early adopters make the most money. I filled out the form.

utterance: Is this a sure thing, Brent?

utterance: #Uh Craig as sure as my Momma gave birth to me. Look at the stats. Three hundred sixty-six billion of revenue earned back two years ago for space for the earth endeavors. Three D printing making beams for NASA space craft. New sector, Craig.

utterance: You did not answer my question, Brent. Have to know for insurance then we can chat about the adventure.

utterance: If you can come up with a manufacturing idea, cut costs of blasting a rocket to space and sell to the government you can be like a quadrillionaire. Dreaming it and feeling it in my bones. Space to space ventures coming along as well but you have to be a military plug in or contractor to get in that.

utterance: Love it, but I need to know if you're kidding or got a ride?

utterance: I was chosen, Craig for space tourism, but that's a first step. See and feeling it, I will be able to tell what is likely to make money.

utterance: #Uh, wow. Wow! Brent that's just incredible.

utterance: Thought you would like it. How is that insured under life insurance in case they mess up, and I get splattered?

utterance: Oh. Insurance sometimes insures some unusual things, Brent. Being an astronaut and life insurace do not intersect.

utterance: Oh, I 'm on my own? What about my wife?

utterance: Your wife can be on a separate policy, but you cannot have life insurance cover that once your job on Blue Origin begins.

utterance: I get fourteen hours of training and then the ride is all. Commerical venture will be on earth first, and we will go from there.

utterance: Military insures space flight astronauts. Do you have a military insurance?

utterance: Honorabley discharged, Craig and then we came here.

utterance: It's a good thing you told me, Brent. I would've have disliked having to tell your widow you were not covered by life insurance.

utterance: Okay, Craig. Then let's look and make sure all the insurances I have with you are up to date and maximized in case I die falling from the sky spectacularly.

utterance: We can do that. Checking now. Do you want to go to minimal deductible on homeowners and auto insurance.

utterance: Well yeah, Craig. That way Mary Lou would not have to pay much when I don't come back.

utterance: Premiums will go up, Brent.

utterance: Understood. Do it. I have money to burn. I'm still riding in Blue Orbit.

utterance: Okay, Brent. That is done. Premiums go up fifty dollars a month on the vehicles and one hundred dollars a month on the homeowner policy.

utterance: Might have to go check on funeral arrangements with your life insurance information.

utterance: Might have to, Brent. Doing business just like you. Sometimes you just cannot go there.

utterance: If I come up with a commerical enterprise after the flight. Can it be insured?

utterance: #Uh, yes it can. Rockets and space equipment are insured for millions of dollars.

utterance: Good. If I bring a proposal from an investment group could you work up some estimates, Craig?

utterance: I can, and I would love to do it. Have to do some research. Might even have to put something new together with a new policy name.

utterance: Looks like commerical space will create side business profits.

utterance: When do you take flight, Astronaut Brent?

utterance: Next spring. Like the timing. All winter to think things through and in the summer the actual flight happens. Space tourist.

utterance: Just for the record Brent. No life insurance for Astronaut Brent. Plenty of insurance for businessman Brent.

utterance: Makes it clear as can be, Craig.

utterance: Anyway you can give me regular updates. Might help me design a policy for commercial space business, products, and transports.

utterance: #Uh only if you give me a discount on one of those business insurances, Craig. I want it in writing. No offense.

utterance: No offense taken, Brent. Give me a couple of weeks, and I will see what I can do.

utterance: You going to think about it, and then tell me no.

utterance: No. I have to do research and see what is out there, and what is possible under the present system. If not then see if a system can be put together.

utterance: Okay regular updates on my space activities it is, as long as I get regular insurance updates on the commerical space venues.

utterance: That's a deal.

utterance: You going to tell Timothy?

utterance: Think I will wait a couple of months and suprise my brother Timothy.

utterance: Not getting in that family feud.

utterance: All in jest, Brent. Are we done here?

utterance: We're done Craig.

utterance: Call you in two weeks, Brent.

utterance: Okay. Bye Craig.

utterance: Bye Brent. Thanks for the information.


utterance: Hello! This is Timothy Brum of Rivertown Insurance Agency. How may I help you?

utterance: Timothy, I'm Doris Wooster I go to church with you. Someone told me I needed to chat with you about insurance.

utterance: I know about insurance, miss Wooster. How can I help?

utterance: My grandson that lives with me in his twenty's, and he is in serious trouble.

utterance: Tell me how miss Wooster.

utterance: Since he was sixteen years old, he went and took oh, pooh those drugs of the illegal type. He does things.

utterance: What type of things, miss Doris?

utterance: Thieving and selling other people's things that he has stolen.

utterance: Rehab might help. Insurance does not prevent thieving I'm sorry to say.

utterance: We have done the rehab several times. Now he has a rehab that he cannot escape.

utterance: Pardon, miss Wooster, can you explain?

utterance: Jail Timothy. Peniterary.

utterance: What happened? Are you are fine, miss Wooster?

utterance: I'm well, Timothy. I'm the one that turned Brad in. Had him picked up by local police.

utterance: Okay. Go on, Doris. May I call you Doris?

utterance: Oh, yes, please do. Rehab and local jail makes it hard to find jobs sometimes. With times being as it is, I let Brad move in the spare bedroom.

utterance: You discovered the issue?

utterance: Yes, I did, Timothy. Not only did he take illegal drugs, he also sold and trafficked it.

utterance: How did you discover that, Doris?

utterance: I tracked his movements, Timothy. I kept a journal when he left the house. I had friends follow him and take cell phone pictures.

utterance: Oh so you need more insurance in case Brad acts up, or his friends do?

utterance: Oh no. No I need life insurance on Brad in prison. Got a felony and accessory to assault at a playground on the assault. He has a smart mouth, and those boys there will assault him.

utterance: Okay. Doris, that is extremely high risk, and Rivertown Insurance does not insure prisoners.

utterance: Oh I'm sorry to hear that. Brad isn't going to make it, Timothy, and most likely will be killed in prison. I don't want to pay out of pocket for the burial. I was looking for a way to do that. Why should my finances be drained for things Brad did? That's the problem with illegal drug use it drains the family's finances.

utterance: We do not insure prisoners, Doris but I do have contact with some non-traditional insurance agents that do. Would you like me to contact them for you?

utterance: Yes, I would Timothy. It would take a sizable portion of my life savings to do that. I have used my life savings several times to pay for the rehabs. It started out his parent's fault letting him run around at thirteen years old without much supervision.

utterance: Brad has continued in a downward spiral?

utterance: Yes, Timothy. I don't think anyone in the family can reach him anymore.

utterance: I will call and talk with several of those agents this week and give them your name and number, Doris.

utterance: I would appreciate that much, Timothy. Brad needed to know that the family will not allow him to hurt others and then cover it up.

utterance: I understand you are being firm in letting Brad know entirely unacceptable behavior on all levels. One of the other things you need to be aware of.

utterance: Like what, Timothy?

utterance: Brad going to prison also affects other insurances.

utterance: Even if I block this draining of money, you mean Brad could still drain the family coffers? We have many elderly Timothy that will need some help in those last years. Rather spend it on the babies and the very old than on Brad.

utterance: Let me backtrack to the life insurance first, so you're an informed consumer. Even with the agents I talk with, life insurance will be limited to Accidental Death and Dismemberment. Basically, it will pay final expenses and burial, which is what you were asking for Doris. It will not be easy, and you may need a lawyer Doris. It's expensive, but far less than a hospital bill.

utterance: I now understand why mothers eat their children.

utterance: Moving forward to medical insurance. Whatever medical insurance Brad had should be interrupted.

utterance: Oh. I have not notified the medical yet and paid last month's premium.

utterance: Get a lawyer, Doris. If Brad got hurt it's highly likely the medical insurance would refuse to pay.

utterance: Why?

utterance: The prison he is at provides medical care. The Constitution under the Eighth Amendment does that. Texas terminates coverage. Some states just suspend it.

utterance: No one tells the family those things. They wait until something happens and thrusts stuff on you. Like a really bad got you.

utterance: After the other non-traditional agents talk with you, I will give you call. Then we will go through what you have if you like and see if you need to update anything. Your insurance isn't with me, but I will give you the needed information.

utterance: I would appreciate that, Timothy.

utterance: So you're the sheriff in your family, and when enough is enough, you make the call, Doris?

utterance: My Dad taught me that. If family has helped you, and they turn base, it's a family duty to correct that. Not a sheriff but corrections. Younger members need to see adults do that.

utterance: How does that work?

utterance: In our family, Timothy, it's been successful. They still act up the wayward adults, but they do not take it to extremes because any family member can turn them in at any time. It's financial. That person does not have the right to drain family finances with their foolishness.

utterance: So the family has done this before?

utterance: Oh yes, but mostly for alcoholism. Once corrected then they are monitored by family members.

utterance: How do you do that when they are young, Doris?

utterance: You call up the teacher and say they did not do homework. Or you tell the store manager your child stole.

utterance: I will have to remember that, Doris. Start young holding, them accountable.

utterance: It does ot alway work but mostly does. I think that's all I need from you, Timothy.

utterance: Think you're right, Doris. I hope all goes well for you.

utterance: You as well, Timothy. Bye.

utterance: Bye.


utterance: Thank you for calling Rivertown Insurance, my name is Robert, to whom do I have the pleasure of speaking with today?

utterance: Yeah, hi, my name is Steve Johnston and I was wondering if I could get some information?

utterance: Hi Steve, I would be happy to help. First things first, do have an account with us?

utterance: #Hm yeah, wait, no. I don't believe I do.

utterance: Thats no problem I would be happy to create one for you. Just need to ask you a few questions.

utterance: What kind of questions?

utterance: Things like your phone number, address, social security number. Is that alright with you?

utterance: #Uh yeah, that sounds fine.

utterance: Will you please spell out your name for me?

utterance: Sure, it's S.t.e.v.e J.o.h.n.s.t.o.n.

utterance: I heard S.t.e.v.e. J.o.n.s.t.o.n, is that correct?

utterance: No, you forgot the h, it's J.o.h.n.s.t.o.n.

utterance: Oh my apologizes mister Johnston.

utterance: mister Johnston? mister Johnston was my father just Steve please.

utterance: Alright then just Steve, what is your phone number?

utterance: It's four one three eight two nine one one seven six.

utterance: Alright just to confirm I heard you correctly that was four one three eight two nine one one seven six?

utterance: Yes sir, that is correct.

utterance: Great, next is a security question. What is you mothers maiden name?

utterance: Oh jeez, I need a minute to think.

utterance: No worries, take as much time as you need.

utterance: Thanks, while I am thinking, how's your day going?

utterance: It's going pretty well, thank you for asking. How is yours going?

utterance: It is going well, I am glad it is Friday.

utterance: Yay, Friday, it has been a long week.

utterance: Weeks!

utterance: #Um excuse me?

utterance: Thats my mothers maiden name! Thank you for helping me remember .

utterance: No problem, that is spelled W.e.e.k.s, correct?

utterance: Yes, that is correct.

utterance: Alright, onto the next question. What is your date of birth?

utterance: May sixteenth nineteen sixty eight.

utterance: Fantastic, only a few more questions. Street address?

utterance: Five one six Allen Street.

utterance: Okay, and the state?

utterance: Massachusetts.

utterance: City?

utterance: Springfield.

utterance: And lastly your zipcode?

utterance: Zero one one one eight.

utterance: Lots of zeros there, let me see if I got that. Zero one one one eight?

utterance: Yes, do you need anything else from me?

utterance: Yes sir, the last thing I need is your social security number.

utterance: Ah okay, let me grab my wallet, I always seem to forget the first few numbers.

utterance: No rush Steve, I'm here all day.

utterance: I know it's around here somewhere, by the dresser perhaps? No, maybe I left it in the car. Finally, I found it. Thank you so much for waiting.

utterance: It's no problem at all, whenever you are ready.

utterance: I am ready, it's six one nine eight eight three seven four one.

utterance: I heard six one nine eight eight eight three seven four one. Wait, thats ten numbers, could you please tell it to me again?

utterance: Where you not listening the first time?

utterance: My apologizes Steve, I just need the number one more time to insure I have it correctly in the system.

utterance: I will go slow, it's six one nine eight eight three seven four one. Got it that time?

utterance: Yes sir, thank you for telling it to me again. That was six one nine eight eight three seven four one?

utterance: Yes, that is it.

utterance: Awesome, I have now created your account. Next time you call give them your full name, date of birth and phone number.

utterance: Thats all I have to do? Give them my name and number?

utterance: That and your date of birth.

utterance: Okay, thank you again for creating my account.

utterance: It was my pleasure Steve.

utterance: I was calling to get some information on what kind of insurance you guys offer and how much everything is.

utterance: I would happy to break down all of our insurance offers and how much plans are. We offer Life, pet, automobile, condo, homeowner and renter.

utterance: You offer pet insurance? I had not thought of getting Scooter some insurance. How much is that?

utterance: The Petcare Basic is five hundred a year and the Petcare Preferred is one thousand a year.

utterance: And how much is like basic life insurance?

utterance: Term Life Insurance is three hundred a year.

utterance: Three hundred? Thats two hundred bucks less than pet, jeez Scooter will have it better than me .

utterance: Pet insurance lasts the entirety of your animals life and Term Life is lasts about ten to thirty years. So in the long run Term life is worth it.

utterance: Well Scooter is only a couple of years old, I will definitely look into more, thanks.

utterance: Absolutely, would you still like to know about the other plans and how much they cost?

utterance: Yes please.

utterance: We offer two more life insurance plans, Whole Life which is one thousand eight hundred and Universal Life which is one thousand two hundred.

utterance: What's the difference between those two?

utterance: The main difference is with whole life you have a fixed premium, universal you have a flexible premium.

utterance: Oh okay, I got you. Tell me about car insurance, we, my husband and I, were thinking of buying a new car and switching to you guys.

utterance: Certainly, we offer Basic, Preferred and Complete auto insurance. They cost one thousand, one thousand five hundred and two thousand a year.

utterance: Oh awesome, that is cheaper than what we are playing now. Now what about renters?

utterance: Basic is only two hundred a year and preferred is three hundred a year.

utterance: Three hundred, I might just have to go with that.

utterance: Fantastic, did you want to enroll in our plan today?

utterance: #Um no, I need to discuss everything with Camren first. I would have to call you guys back sometime in the next few days.

utterance: That is no problem, I can make a note in your account about what we have talked about today.

utterance: Sounds good, while I still have you on the phone can tell me about your home plans. I don't want to rent forever so I would like to know what my options are.

utterance: Would be happy to tell you. Our plans are basic, preferred and complete.

utterance: And how much is that a year?

utterance: For which one sir?

utterance: All of them.

utterance: Of course Steve. Basic is one thousand two hundred, Preferred is one thousand six hundred and Complete is two thousands.

utterance: Thank you for the information, I really do appreciate it.

utterance: Not a problem at all, I am always happy to help. Is there anything else I can do for you today?

utterance: #Hm, no, nothing else I an think of. You have been wonderful.

utterance: Thank you again Steve, you have been a pleasure to serve.

utterance: Oh, before I let you go what time are you guys open til?

utterance: Monday through Friday we are open six a.m to nine p.m. We do not operate on the weekends.

utterance: Okay great, thank you.

utterance: It is my pleasure. To summarize on the call today we were able to successfully create an account and provide information about the plans we offer.

utterance: Yup, that is all I needed today.

utterance: If there isn't anything else, thank you so much for calling Rivertown Insurance, I hope you have a great day.

utterance: Thanks, you too. Bye.

utterance: Goodbye.


utterance: Hello, this is Tom Steward with Rivertown Insurance Company.

utterance: Hi, I'm Grady Ellis.

utterance: How can I help you today mister Ellis?

utterance: I'm calling because my grandma, Greta Thompson died this past Tuesday.

utterance: -huh Before you go into details, let me start off by saying how sorry I am that you lost her.

utterance: Sir, thank you.She passed away in her sleep.

utterance: Was it of natural causes?

utterance: Yes.

utterance: Are you calling to file a claim and are you the beneficiary?

utterance: Yes, and I am the beneficiary, I have the policy here with me.

utterance: I'm glad she went peacefully.

utterance: Thank you, well I want to plan a Celebration of Life for family and friends to say goodbye.

utterance: Okay, let me get a bit of information from you.

utterance: Okay.

utterance: Will you spell her first and last name for me?

utterance: Yes, it's Greta G R E T A.

utterance: G R E T A.

utterance: Yes.

utterance: and her last name?

utterance: Thompson T H O M P S O N.

utterance: T H O M P S O N.

utterance: Yes, Sir.

utterance: Can you tell me her date of birth?

utterance: sure, sis twenty nineteen thirty-one, no I'm sorry nineteen thirty.

utterance: Six twenty nineteen thirty.

utterance: Right.

utterance: What state did she reside in?

utterance: Florida.

utterance: Can you confirm her street address?

utterance: #Uh ten twenty Sunny Lane.

utterance: Ten twenty Sunny Lane.

utterance: Destin Florida.

utterance: Destin Florida.

utterance: Three four five six three.

utterance: Three four five six three.

utterance: Correct.

utterance: Okay, sir befor I can get anything started, I need to confirm you as her beneficiary.

utterance: #oh Okay.

utterance: Can you spell your first and last name?

utterance: Grady G R A D Y.

utterance: G R A D Y.

utterance: ELLIS E L L I S.

utterance: E L L I S.

utterance: Yes, that's correct.

utterance: Tell me your phone number so we can get in touch with you if needed.

utterance: Four eight five six seven eight five four three two.

utterance: that's right.

utterance: Now, give me her policy number.

utterance: four one one one eight three five six.

utterance: four one one one eight three five six.

utterance: Yes, that's correct.

utterance: So I have confirmed that she does have a Whole Life Insurance policy for two hundred thousand dollars and you are the beneficiary listed.

utterance: Okay.

utterance: Okay, so here's what happens, we're fonna need a certified copy of the death cerificate sent to us and I'll give you that address in a second.

utterance: Okay.

utterance: And what date did you say she passed.

utterance: seven one twenty twenty-one.

utterance: Are you wanting the lump sum of the policy or would you like to receive payments over a certain time period?

utterance: #Um, the lump sum.

utterance: Okay, So give me your address.

utterance: It's one one one one Naples Street.

utterance: One one one one Naples Street.

utterance: Atlanta Georgia.

utterance: Atlanta Georgia.

utterance: three three three three three.

utterance: three three three three three.

utterance: Correct.

utterance: I'm going to give you the addres now to mail the death certificate along with a copy of your Driver's license.

utterance: Okay, I'm ready for the address.

utterance: Our address here is Rivertown Insurance Company.

utterance: Rivertown Insurance Company.

utterance: Five five five Good Fortune Lane.

utterance: Five five five Good Fortune Lane.

utterance: Portland Oregan.

utterance: Portland Oregan.

utterance: four four two two five.

utterance: four four two two five.

utterance: After, we receive the certified copy of the death certificate and can verify it, we will send you a check of the lump sum to your address on file immediately after verify the information we receive from you.

utterance: Okay, thanks, do you know how long that usually takes.

utterance: It all depends on how fast you can get everything to us, once we have it, we can send it out immediately.

utterance: Okay, I'll get everything to y'all right away.

utterance: Sir, is there anything else that I can do for you?

utterance: No, I think I have all the information I need but thanks for your help.

utterance: Well Sir, I hope that you and her family and friends are able to celebrate every part of her life and think back to all the good memories of your grandma and I hope everything goes well and don't hesitate to call back if you have any other questions.

utterance: Okay thanks, bye bye.

utterance: Bye.