brief encounter

I was sitting at my desk at work when my phone rang. Not my desk phone. My cellphone. If my cellphone rings, and it's not a number I recognize, I do not answer it. I hate to talk on the phone and I certainly don't like to waste my time talking to someone I don't know well enough to have their phone number programmed into my contacts list. I stopped what I was doing and picked up my cellphone that was charging on a pad on my desk. As it continued to ring, the screen displayed the name and phone number of my insurance agent. My insurance agent retired a while ago I want to say months, but, lately I have come to realize that I have no skills for gauging the passage of time, so, it was probably more like a few years ago that he retired. As part of his retirement, he passed his customer list over to a new agent. The new agent kept the same phone number. I just never bothered to change the name to the new agent's name in my contacts.

Not my agent.

Regardless of who my insurance agent is, I still pay premiums on my car insurance, homeowner's insurance and life insurance when the bills come due. I pay them online, through the State Farm website, with just a few clicks of my mouse. And that's it. I really don't give much thought to my various insurance policies. I know the insurance on my car went up a few years ago when I replaced my twenty-year-old car with a new one. Spoke with an administrator in the office of my new insurance agent about the new rate and to update my policy with the pertinent information for my new vehicle. Aside from that, insurance is rarely, if ever, a topic of conversation.

Ummm... no thanks.

So, there's a call coming in from my new insurance agent. I stared at the display briefly before declining the call and getting back to work. I was surprised when I didn't hear the little tone that lets me know that someone had left me a voicemail message. I didn't dwell on that thought for too long, as I had work to do. As a matter of fact, I totally forgot about the whole thing.

Just this week, there I was at work again and my cell phone rang. Again. In a wave of deja-vu, I looked at my cell phone screen to see the name of my former insurance agent shining brightly above the options offered to either accept or reject the call. And, once again, I swiped the "red" option to reject the call and returned my attention to my work. This time, however, I heard that little "beep," alerting me that the rejected caller had left me a message. Since I knew who it was from and I knew I had no pressing business with them, I decided to wait until later in the day to listen to the message.

You've got mail

When I got home from work, my wife and I talked while we prepared dinner. The call from the insurance agent didn't even breach the conversation. After dinner, Mrs. P and I settled in front of the TV for an evening of sixty-year old Westerns or perhaps a Phillies game. With only half of my attention on the television, I noticed the little "voicemail" symbol on my phone. I punched in my security code and listened. A female voice identified herself as a representative from my new insurance agent's office. She went on to say that she'd like to discuss my insurance needs. She explained that she'd like to schedule a conference call with my new insurance agent that would take about thirty to forty-five minutes. She then instructed me to call back to set up such a call, reminding me of the call's importance.

When my wife and I bought our house in 1986, I called the closest insurance agent to our new home to get the homeowner's insurance required by the terms of our mortgage. I went to the guy's office and discussed the particulars. As long as I was there, I inquired about car insurance rates and was quickly presented with a list that was considerably cheaper that what we were currently paying. At the end of a meeting that took under ninety minutes, I walked out of the insurance agent's office with policies for homeowner's insurance and two new, less expensive, ones for our cars. The following year, when our son was born, I arranged for a life insurance policy for myself. That was done entirely over the phone by my agent's assistant. Over the years, we have had several claims on our insurance policies, most of which were handled on the phone. If any required a visit to the insurance office, either I or my wife, dealt with our agent's assistant. So, over the course of nearly forty years, I met my insurance agent a total of one time. Now, he is retired. If he decides — in his retirement — to turn to a life of crime and he is arrested, the police cannot rely on me to pick this guy out of a line-up.

I really, really want to call my new insurance agent and explain to her that I see no need to meet with, conference call with, or otherwise relate the current or future status of any of insurance policies I currently hold. If I feel the need to increase, decrease or otherwise alter my current insurance situation, I will surely let her know. In the meantime, I'm good. I'd also like to tell her that the one and only time I ever met my previous insurance agent was, most likely, before she was born.

I really, really want to. But I won't.

www.joshpincusiscrying.com