How Jamie Sue Marshall makes use of life insurance coverage to create a legacy


The story you’re about to learn belongs to one in every of our clients. It’s informed of their phrases, with their permission and in a method solely they might inform it. If it conjures up you to consider your personal life insurance coverage protection? Nice. If it conjures up you to do one thing — something, vital for those you’re keen on most? Even higher.

Not everybody is ready or as beneficiant as Jamie Sue Marshall. She’s at all times been a monetary dynamo.

Her senior 12 months of faculty, Jamie Sue flipped a house when she was taking 23 hours of coursework on the College of Arkansas whereas concurrently interning at Tysons’ Meals.

“I raised a beef steer every summer season and bought them, in order that’s how I had the cash to purchase the home,” Jamie Sue says. “I watched Fixer Higher and all that, and thought, ‘Oh, a lot enjoyable,’ proper? No, I imply, there are such a lot of surprising bills and issues occurring, particularly me shopping for a 1950s residence from the unique proprietor that had not touched a single factor.”

The arduous work didn’t cease her. Jamie Sue gutted the home in time to maneuver in after faculty. In October, she determined to maneuver again residence to be nearer to her household and be a part of the household enterprise.

Jamie Sue’s household runs a farm and produce firm in upstate New York the place she is a dispatcher for its refrigeration vehicles.

“It’s a 12th technology farm, and we’re working collectively within the enterprise, we’ve most likely received 30 members of the family,” Jamie Sue says. “My dad runs the refrigerated freight. My mother is a grower of all of the produce. My uncle has seven kids, and now they’ve all received youngsters, so it’s fairly loopy round right here.”

Jamie Sue, 23, enjoys working along with her household and residing within the small city of Elba (Pop: 2,370) the place she grew up and led her highschool basketball crew to a state championship. “I name it ‘Smellba,’ although, as a result of we’re the onion capital of the world, after which we even have a bunch of cows, so it’s slightly pungent right here,” she says.

Some folks can be pissed off working with household, nevertheless it’s a supply of satisfaction for Jamie Sue.

“When you may have your relationship together with your father, he’s simply your father, you see him when he comes residence and the way he’s working, however you don’t get to truly work alongside him,” she says. “So the spotlight of my week is seeing him together with his staff and the way he’s a businessman and never solely a father. I additionally take pleasure in attending to work with my cousins, simply being round my household and the folks I care about.”

Getting ready for the worst

The significance of being surrounded by those you’re keen on grew to become clearer to Jamie Sue in 2017 when her giant, close-knit household suffered a sudden loss.

Her younger cousin, solely 30 years outdated, was identified with stage four gastric most cancers whereas she was 6 ½ months pregnant. Two days after the prognosis her cousin needed to give beginning to her child at Golisano Kids’s Hospital in Rochester, NY. Too quickly after, her cousin handed away as most cancers unfold all through her physique forsaking her child woman, 2-year-old son and husband. “It was so life-changing for me. It inspired me to find time for the little issues like volunteering to teach in our city’s youth basketball program.”

After the tragedy, Jamie Sue wished a big life insurance coverage coverage with a long run size to financially guard in opposition to regardless of the future might maintain. “We looked for dependable choices to guard one another in case one other life-changing incident like that occurred sooner or later,” she says. “It was such an amazing and complicated time. My household helped me piece all of it collectively.”

My dad and mom, my sisters and I have been simply researching totally different choices and we noticed Haven Life featured in The Wall Road Journal.

Jamie Sue’s seek for life insurance coverage finally led her to Haven Life.

“My dad and mom, my sisters and I have been simply researching totally different choices and we noticed Haven Life featured in The Wall Road Journal,” she says. “After I was making use of for a coverage, we requested them some fast questions, customer support rapidly responded to these questions, and I used to be immediately accredited, which made it an ideal match.”

Simply beginning her profession, Jamie Sue, 21 on the time, purchased a 30-year, $1 million Haven Time period coverage.

Seeking to the longer term

Individuals ask Jamie Sue, “You’re younger, why would you want life insurance coverage?” She’s not in debt and he or she hasn’t began her family but. She tells them if the surprising have been to occur, she desires the life insurance coverage payout to “return to my neighborhood.”

What does that imply? Nicely, after the loss of life of her cousin, the city alumni affiliation put collectively an alumni basketball recreation, the place half the proceeds went to Golisano Kids’s Hospital NICU in reminiscence of Jamie Sue’s cousin.

“Now the complete youth basketball program wears ‘Torrey Robust’ jerseys that have been made in her reminiscence,” says Jamie Sue, who has taken over teaching the fifth grade women squad.

Ask Jamie Sue what she would really like finished along with her life insurance coverage payout if one thing surprising have been to occur to her. “I’d like one thing like that finished in my identify as a result of it’s a extremely candy approach to go away a legacy,” Jamie Sue says. She remembers her cousin, rallies all her women with “Torrey Robust” jerseys on the courtroom and sees how a small neighborhood with deep roots could make such a significant impression.

Haven Time period is a Time period Life Insurance coverage Coverage (ICC17DTC) issued by Massachusetts Mutual Life Insurance coverage Firm (MassMutual), Springfield, MA 01111 and provided completely by Haven Life Insurance coverage Company, LLC. Coverage and rider kind numbers and options might differ by state and might not be out there in all states. In New York, Haven Time period is DTC-NY 1017. Our Company license quantity in California is OK71922 and in Arkansas, 100139527.


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