 Six months later, Gary unexpectedly died. Wow. Tears my heart out. Besides the grief and shock, Fran had no income, was on her own, and her Social Security benefits couldn't pay the mortgage. Talk about feeling lost and alone. The only good part of this story is that Gary had term life insurance through Zander, so Fran was able to deal with her grief without being overwhelmed with money issues. Sad story, but I share it with you to make a point.