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Welcome to my profile. If you're specialized on insurance, psychology, social sciences or the arts, I'm here to help.
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Freelance translator and/or interpreter
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English to Spanish: A Simple Policy General field: Bus/Financial Detailed field: Insurance
Source text - English My best friend Rosana lost her husband, Ed, to a heart attack early last year. He left behind four amazing children, ages 5, 8, 12 and 14 at the time. He also left no savings, no retirement funds, and no life insurance.
Since the day I started my career in this field, I begged Rosana and Ed to do some planning. “Get life insurance, put money into a retirement fund, get a will, set up a power of attorney, and do a health care proxy,” I told them. They did nothing. Ed thought that since his grandmother was still alive at 103, he had lots of time.
Ed ran a cafe in a corporate building and just managed to pay his family’s bills while Rosana took care of the kids. Now the cafe is closed. Ed was the entire business, so she is left trying to figure out how to survive.
As her best friend, I’ve been there for her emotional support, but as a financial professional, I was left helpless. How was she going to pay the bills, keep the house, and put food on the table? Never in my life did I think I would be on the phone with the welfare department discussing food stamps or with Social Security discussing survivor benefits for the children.
These kids started calling me their other mommy because they know I’m going to be there to help raise them. Nothing tears your heart out more than an 8-year-old thanking you for caring for her family. A simple term life insurance policy would have prevented much of this.
We all are trying to get that high-net-worth client, but don’t dismiss others just because they can’t afford a variable life policy. They probably need your help more than anyone, as my story illustrates. If you don’t want that small sale, then find someone in the office who does. Find me. You also should not forget that someone who does not have a lot of money today could one day wind up wealthy. My dad’s biggest client was a modest attorney until he stumbled into the biggest legal case of his life at the end of his career.
You need to ask everyone you know — family, friends, and friends of friends. Be relentless and annoying. I know that I’m using my anger at Ed for not taking action to protect his family to push me to reach bigger goals every year.
Take it from me, you never want to go to a funeral without knowing that the survivors are taken care of. The last thing you want is to think about what could have been if only you had done your job.
Translation - Spanish Mi mejor amiga Rosana perdió a su esposo, Ed, de un ataque al corazón a principios del año pasado. Dejó atrás a cuatro increíbles hijos, de entre 5, 8, 12 y 14 años en aquel entonces. Tampoco dejó ahorros, ni fondos para el retiro, mucho menos un seguro de vida.
Desde el día que comencé mi carrera en esta área, le rogué a Rosana y a Ed para que realizaran planes. "Obtengan un seguro de vida, depositen dinero en un fondo para el retiro, consigan un testamento, preparen un poder notarial, y hagan una carta poder de representación de asistencia médica," les dije. No hicieron nada. Ed pensó que como su abuela aún seguía viva a los 103 años, tenía mucho tiempo.
Ed administraba una cafetería en un edificio corporativo y sólo se las arreglaba para pagar las cuentas mientras Rosana cuidaba de los niños. Ahora la cafetería está cerrada. Ed era el negocio entero, por lo que ella quedó tratando de averiguar cómo sobrevivir.
Como su mejor amiga, he estado con ella por apoyo emocional, pero como profesional financiera, me sentía impotente. ¿Cómo iba a pagar las cuentas, mantener la casa y poner comida en la mesa? Nunca en mi vida pensé que estaría llamando al departamento de servicios sociales para hablar sobre cupones para alimentos o con el Seguro Social sobre prestaciones de supervivencia para los niños.
Estos niños empezaron a llamarme su otra mamá pues saben que estaré allí para ayudar a criarlos. Nada destroza más tu corazón que una niña de 8 años agradeciéndote por cuidar a su familia. Una póliza de seguro a término simple hubiera prevenido gran parte de esto.
Todos tratamos de conseguir a aquel cliente de alto poder adquisitivo, pero no descartes a otros sólo por no poder permitirse una póliza de seguro variable. Probablemente necesitan de tu ayuda más que cualquiera, como mi historia lo ejemplifica. Si no quieres esa venta menor, entonces busca a alguien en la oficina que la quiera. Encuéntrame. Tampoco deberías olvidar que alguien que no tiene mucho dinero actualmente podría un día terminar siendo pudiente. El mayor cliente de mi padre fue un abogado modesto hasta que se topó con el más grande caso legal en su vida al final de su carrera.
Debes preguntarle a todos los que conozcas ─ familia, amigos, y amigos de amigos. Sé implacable y molesto. Sé que estoy utilizando mi enojo hacia Ed por no haber tomado cartas en el asunto para proteger a su familia como impulso para alcanzar mayores metas cada año.
Créeme, nunca quieres ir a un funeral sin saber que los sobrevivientes están protegidos. Lo último que querrás es pensar lo que hubiera sido si tan sólo hubieras hecho tu trabajo.
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Years of experience: 8. Registered at ProZ.com: Sep 2020.
I began learning English from the age of five as a student at an international school in my hometown. Perhaps for that reason I've had a knack for the language ever since and may consider it a second mother tongue of sorts. I've been working on translations for the last five years, specializing mostly on insurance, education and psychology, but I can adapt to any given topic.