One of Reed's clients, Carl Cascio, was a 31-year veteran of the Lake Charles police force. In planning his forthcoming retirement, he was interested in electing a retirement option that would provide benefits during his lifetime -- an option that would boost his retirement income substantially. However, he wanted to obtain life insurance to protect his wife in the event he died before her. Unfortunately, Carl had been quoted a sub-standard rate premium because of outstanding medical issues -- and time was running out to make a decision.

Richard rose to the task. With utmost respect for Carl's predicament, Richard was on the phone with him for days on end, up to three times a day, helping Carl gather additional, necessary details and second opinions. In the end, with additional facts in hand, it all came together, and Carl got the standard policy he needed to make his retirement planning work. Said Carl in a letter to Protective: "If [Richard] represents the high caliber and professionalism of your associates, then that's the company I want to handle my insurance needs."

2000 Annual Report