I still remember that day vividly because we were called on the phone and said that Fordyce was taken to the hospital. He had a heart attack all of a sudden after two months that we have been paying for this insurance. Fred Delgado approached us because he said that you know we have this new insurance in which there is quality of life, you don’t need to die to be able to avail of this. And this is much cheaper compared to what we’re paying monthly and the benefits are higher and we’ll pay less. But the thing that attracted me most of that new program is you don’t need to die to be able to get the benefits. After we took this insurance, he got sick. We were saddened because he was told that he was having a heart attack at that time and and they’re going to do surgery the very next morning. We didn’t realize that he will have an open heart surgery, quadruple bypass. And so after surgery we went to the hospital to visit and we saw how distraught Josie was. And then Fred and Mel, he saw me crying because you know I was thinking about what happened to my husband and I’m glad that he didn’t die. We have so many obligations to pay monthly, you know how it this with this life. You have to be your mortgage, you have to pay your car. He wished that his recovery will be fast but the doctor had said that he’ll be off work for at least six months. He was so worried because of you know the fact that there’s just so many things that they have to pay. Then I said why don’t we file a claim and he said I don’t know if we are going to be covered because we’ve only been paying it for like two months. We were assured by Fred and Mel that we will do, we will apply for it and we’ll see what our company will be able to offer. The wonderful thing about it is when they received a check they were so, just so excited and they just gave us a call right away. More than $40,000. Imagine where will you get $40,000 in this time when you are so financially broken. This is really the best thing that I can do for people around me. This is a God-given gift to us. We can sleep good at night thinking that we have helped. Fordyce and I are living proof of the benefits that we get from Quality of Life insurance and we really thank AIG for that.