"Life insurance for the living," declares Schubert.
From then on, he met with Tina and Jim monthly to review their investments "and her well-being," he says. "She went through countless radiation and chemotherapy treatments over the years."
Beyond that, Schubert referred them to an attorney to draw up a Living Trust so any leftover funds could be used to support Jim and their kids after she was gone.
When in remission, Tina was active in the National Brain Tumor Society, an advocacy group dedicated to finding new and better treatments. She met with members of Congress to urge approval of cutting-edge therapies.
In her final months, she withdrew $100,000 from her investment account to pay off student loans and take one final trip. When she finally died, at age 50, all of her finances were in order. "Needless to say, her last two years were greatly enhanced by her life insurance," says Schubert.
And that's not the end of the story: Her trust account still has more than $1.1 million left to help the family in the coming years.