I didn’t answer Mary’s question as I took a few seconds to consider its significance. Rick was a policyholder. Rick was the owner of the second-largest life insurance policy I’d ever sold. Three hundred thousand dollars was a lot of money, and the policy, being whole life, was the only kind of Mass Mutual policy I sold (the commissions paid out on term policies were simply too small to invest all the same time and trouble that whole life took to get written up, issued and serviced). I’d just met with Rick at Galloways the week before because he was having difficulty paying the two hundred and forty dollars a month in premiums. He’d agreed to hold on until I could figure something out. Selfishly, I was afraid to have the policy go out for non-payment as the back charge on the annual commission advanced to me would be in the neighborhood of fifteen hundred dollars.

A pang of deep guilt surged up inside me.

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