Testimonial given by Murray R. about Todd Frank:
Like those of you reading this testimonial I believed that illness like insurance was for the other guy. Well, five back surgeries and a whole lot of pain and decreased functioning later, I am writing this for those of you who still believe this way. These things don’t happen to someone else, they happen to you.
When you chose someone to buy a policy from, make sure they are just like Todd. That way when the chips are down, you’ll have someone you and your family can count on. Come to think of it, just buy it from Todd, he’s the real deal and even allowed a good natured tease in my testimonial.
Murray R., DO FAPA
former Medical Director and CEO
California Clinical Trials
Testimonial about Todd Frank:
I joined a 10 member Eye physician group in 1987. Being a new doctor they helped me out quite a bit in starting off my practice. Having done research over the years they had very good suggestions as to what and how, and who, I should do business with in many areas; including a vast array of insurances. Their best recommendation turned out to be an insurance broker named Todd Frank.
In 1998 after 11 years of paying premiums, I called Todd to discontinue my Disability Insurance, because it tended to be a little pricey, and being invincible figured I was just throwing my money away. He begged me, for my sake, not to cancel it as it had special benefits that would never be available again. He said if things were bad financially, reduce the amount of coverage rather than dropping the Disability policy completely. So we reduced it by 25% and let it stand.
On April 1, 2000, I fell about 10 feet from a ladder, nearly losing my left arm, and severely injuring my right arm. At that point, I immediately read the fine print and was happy that I maintained the policy. Since then, I have had 7 procedures between San Diego and the Mayo Clinic, all with similar conclusions. Most say I can keep my left arm but it will only get worse. My right arm has recovered but now has multiple overuse problems. I lost both practices and had to take my three kids out of private high school, send my wife back to work and was put on Social Security Disability. If it were not for keeping Todd’s policy, not only would I have lost my house, but would have been financially ruined.
In addition, Todd also sold me a term life insurance policy that had a disability waiver of premium benefit that not only paid the premium for my life insurance, but gave me the ability to convert to a whole life policy whereby the premiums would still be paid by the insurance company and cash values would be accumulated for me and my family. Without this policy, I would have no means to accumulate any savings for the future.
Thanks Todd for setting things up in such a great way for me and my family. Feel free to have anyone contact me, as needed.
