So...Are You an Insurance Salesman?
It's About Leaving Love Behind
There is a moment in almost every conversation when someone tilts their head and asks the question carefully, like they are not quite sure if they might accidentally offend me. “So… what do you do now?”
This used to be an easy answer. Depending on your faith background, I was a pastor, minister, preacher, or sometimes priest. Then I retired from the United Methodist Church and suddenly the answer got a little complicated.
Now I have to think about it. I usually start by saying I am a celebrant, which means I then have to explain what a celebrant is. Yes, I officiate weddings and funerals, but it is different than being a minister. I even wrote a blog to explain that part of my life. It would probably be smarter if I just smiled and stopped talking, but I usually add that I also help families with final expense planning. That is often the moment their expression turns into polite confusion.
People understand weddings and funerals. But final expense? That phrase floats in the air like a balloon nobody is quite sure who should grab until someone finally says it out loud. “So… are you a life insurance salesman?” I smile and nod. Short answer: yes. Longer answer: yes, but not the version you are picturing. When many people hear “life insurance,”
their brain pulls up the image of a pushy salesperson with a stack of forms (think Ned Ryerson from Groundhog Day) and a conversation nobody wanted to have in the first place. I understand why that picture exists. I really do.
But my version of this work did not start like that. It began in churches and funeral homes, in living rooms where families were exhausted, at kitchen tables covered with paperwork, and in quiet conversations that began with the sentence, “We didn’t realize how expensive this would be.”
I officiated hundreds of funerals before I ever helped anyone buy a policy, and there was a pattern you could almost set your watch by. Some families were grieving and remembering, telling stories that somehow held both laughter and tears in the same breath. Other families were doing math. Hard math. The kind that sends people checking account balances and calculating what can wait and what cannot. Those are two very different kinds of grieving, and they lead to two very different funerals.
I will never forget the first time that difference really hit me. A widow told me, very quietly, that she had managed to scrape together enough money to bury her husband. She said it like someone describing a marathon they had barely finished. Then she added, almost as an afterthought, “Now I’m not sure how I’m going to pay the rest of the bills.” That moment followed me home. It sat with me at my desk and rode shotgun in my car for a long time, because grief is already heavy. Watching families carry financial stress on top of it felt like watching someone try to carry groceries, luggage, and a piano all at once. Something in me kept thinking there has to be a way to move the piano ahead of time.
Final expense planning is not really about death. It is about the people who will still be here.
The spouse who should not have to start a GoFundMe while planning a funeral, and the adult children who should be able to focus on saying goodbye instead of opening credit cards. It is the quiet gift of leaving things a little easier than we found them. I sometimes call it the Last Love Letter. Not the poetic kind, the practical kind. The kind that says, “I thought about you. I prepared for you. I wanted to leave you one less burden.”
These days I talk with people who requested information, sometimes months ago. I make a lot of phone calls, leave a lot of voicemails, and send a lot of texts that begin with, “Hey, this is Marty…”
Often they do not answer. Sometimes they hang up. Sometimes they say no. Sometimes they say, “I’ve been meaning to take care of this.” And occasionally someone says, “I’m really glad you called.” Those moments matter more than the rest combined, because every once in a while a future funeral gets lighter, and that feels like a continuation of the same calling I have always had, just from a different angle.
When I was a pastor, I walked with families after a loss. Now, sometimes, I get to help them before one. The tools look different, but the heart behind it does not. If you ever find yourself wondering whether this is something you should think about, I am always happy to have a conversation. No pressure, no scripts, just a human conversation about taking care of the people we love.

There’s a certain kind of strength that tends to get most of the attention in this world, and you don’t have to look very hard to recognize it. It’s the voice that fills a room without asking permission, the kind that makes people turn their heads before they’ve even decided if they agree. It’s the swing that tries to send the ball over the left field fence, preferably with enough distance to make people stand up before it even lands. That kind of strength is visible, measurable, and makes for good highlights. Somewhere along the way, most of us quietly absorbed the idea that this is what strength is supposed to look like. But every now and then, if you’re paying attention, you’ll notice a different kind of strength moving through the very same space, and it’s easy to miss because it doesn’t announce itself. It shows up in the person who could say something sharp and decides not to, or in the moment when someone clearly has the upper hand and realizes that winning isn’t actually the most important thing happening in the room. It’s the kind of strength that doesn’t need to prove anything because it already knows what it’s carrying, and if you blink, you can miss it entirely. Baseball has a way of revealing that kind of strength, usually when nobody is expecting it, and I remember one of those moments pretty clearly. It was Game 7 of the 2001 World Series, bottom of the ninth inning, with the Yankees leading by two runs and Mariano Rivera on the mound, which in those days felt about as close to automatic as baseball ever gets. When Rivera came in, games didn’t so much continue as they slowly came to a conclusion. Arizona managed to get a runner on base, which was already more hope than most teams found in that situation, and then Jay Bell stepped in to pinch-hit for Randy Johnson. He was a guy who knew how to swing the bat, fourteen home runs that year, over seventy runs driven in, and enough experience to understand exactly what October pressure feels like when it settles into your chest. And somewhere in that moment, whether it came from the dugout or from some instinct inside him, he squared around and bunted. It didn’t work the way you might draw it up. The runner was thrown out at third, and if you just glance at the box score, it probably looks like a mistake. The kind of decision that makes you wonder what he was thinking. Except the inning didn’t end, and that matters. Because the next batter, Tony Womack, doubled and tied the game, and a few moments later, Luis Gonzalez ended the World Series with a soft single that barely made it out of the infield. Everybody remembers the Gonzalez hit, but almost nobody remembers the bunt, which is often how this kind of strength works. Sometimes the strongest player on the field is the one who knows when not to swing. Even when everything in you wants to, even when it doesn’t work out cleanly, and even when it looks, at least for a moment, like you got it wrong. And it turns out Jesus had something to say about that kind of strength. “Blessed are the meek.” Most of us hear the word "meek" and picture someone who gets overlooked or pushed around. We often think of someone who doesn’t have much presence, while louder people take up all the oxygen in the room. But that’s not what Jesus was describing. The word He uses is praus , a word that was used in the first century for a wild horse that had been trained, not broken or diminished, but still strong. A horse still capable of running full speed, still a warhorse, just one that had learned when to run and when to stand still. And Jesus looks at that kind of person and says makarios . Not “happy” or “fortunate,” at least not in the way we usually mean those words. Something closer to this: God is with you . God is on your side . Not because you are the loudest or the strongest or the one who swings the hardest, but because you have learned something the world keeps forgetting. Jesus lived that kind of strength. He didn’t avoid conflict, but He also wasn’t interested in winning it the way everyone else was. And there’s a difference there that’s easy to miss if you’re not looking for it. He carried power without needing to prove it. That might be the clearest sign that it was real to begin with. Somehow, Jesus knew not only what He could do but when not to do it. “Blessed are the meek, for they will inherit the earth.” Not conquer it, which is how we usually imagine strength working, but inherit it, which means it comes as a gift rather than something you muscle your way into. I’ll be honest with you, this is one of the Beatitudes I am still learning how to live into, because the bunt does not come naturally to me. My first instinct is usually to swing away, the kind of swing that either clears the fence or leaves you walking back to the dugout wondering what just happened. Restraint is something I have to choose, and I don’t always choose it well. And that might be the clearest sign that it was real all along. Maybe “blessed are the meek” isn’t describing people who have already figured this out so much as it’s inviting the rest of us to keep learning how to choose differently, even when the swing feels more satisfying and even when we have every reason to let it go. The Unlikely Altar for the meek isn’t something you can photograph or circle on a map, because it doesn’t stay still long enough for that. It shows up in the space between what flashes through your mind and what finally comes out of your mouth, in that quiet moment where you realize you could go one way and, almost gently, decide to go another. And more often than we notice, that’s exactly where God meets us, not in the noise of the moment but in the choosing of it, in the restraint that nobody else may ever see but that somehow still changes everything. Blessed are the meek, not because they are weak, but because they know they could swing and choose what matters more. Because sometimes the strongest thing you can do is not swing at all.

Over the years, I have stood at countless gravesides, either as a pastor or as a celebrant, I have learned a profound truth. Every family handles grief differently. And you can see it in the way they stand and in the silence that sits over them like a pall. And even though I have witnessed it many times, I am never ready for the parents. I have watched a mom and dad lower a casket so small it breaks something in the air around it. There are no words. No theology can make sense of it. The flowers on top of the casket seem almost cruel in their brightness. And the dirt - well, it is just dirt. Then there are the parents who stand on the edge of that hole, trying to make sense of the senseless. When I watch the family and friends standing at the grave, I feel the full weight of what it means to be human, which is to say, the full weight of what it means to love something you cannot keep. And somewhere in the back of my mind, in those moments, I hear a question I have never been able to answer, standing there in the grass: What does God say to this? Now when Jesus saw the crowds, he went up on a mountainside and sat down. His disciples came to him, and he began to teach them…Blessed are those who mourn, for they will be comforted. If you have ever stood at a grave and someone turned to you and said those words, I imagine you might have felt something catch in your throat. Please understand, not because the words are wrong. But because in that moment, with the dirt still fresh and the flowers still bright and the people you love still unable to make their feet move toward the car, comfort feels very far away. And if someone had leaned over and whispered, "Happy are those who mourn,” — you might have said a few words you would regret later, then walked away. And you would have had every right to. But please know that is not what Jesus said. He said makarios . And makarios doesn't mean happy. It never did. It means something closer to — God is with you . Right here at the grave. Right now, in the midst of the hurt and the questions. In the moment when no words can make any sense. Jesus says, Makarios … He doesn’t say, "Let's wait till the grief gets easier. ” He doesn’t say, “Time heals all wounds.” And He doesn’t say, “You will get over this.” He simply says, “Blessed are those that mourn…” The theologian Frederick Dale Bruner said that when Jesus used the word makarios , which is translated to blessed , he was reminding the people that God is with them. It is as if God taps you on the shoulder and whispers in your ear, “I am with you.” And you know what I hold onto every funeral I stand with families? I hold on to the belief, in ways I can’t fully understand or explain, that those words are true. Okay, maybe God doesn’t just whisper them, He proclaims them in a big voice, bigger than the smallest casket even. He states them in such a way that they echo through every graveyard and every tomb. “Even in this moment, especially in this moment, I am with you. I am on your side!” You see, I believe that because the God of Easter is not a God who watches grief from a distance and then sends an email. He is a God who came down, who stood at His own Son's grave. Who knows what those parents are feeling — not as theology, not as doctrine — but from the core of His being. That is what Easter means even at the hardest grave. Not that death didn't happen. Not that the pain disappears with the sunrise. But that the God who walked out of the tomb on Sunday morning did it for exactly this moment. For the parents at the smallest grave. For the widow who can't make her feet move. For everyone standing in the grass, wondering what God could possibly say to this. He says, "I am with you." Even now. Maybe especially now. And I'll tell you something I don't always say out loud. When I get in my Jeep after a graveside service and drive away, I sometimes wonder. And I hope. I hope that God does more than whisper. But then I remember Easter. It doesn't look like holy ground. It doesn't feel like it either. But it is. But maybe that is exactly where the God of Easter shows up. Not after the grief passes. Not when the marker is finally in place, and the grass has grown back, and people have stopped bringing casseroles. But right there in the silence that sits over a family like a pall. In the moment when love has nowhere left to go. The grave is an Unlikely Altar . But Easter was an unlikely morning. On this Easter, may we know, may we remember, may we never forget — we have a God who doesn’t watch from a distance. Our God comes down and stands at the grave. And in a voice bigger than any casket, bigger than any grief, bigger than any question we have ever carried, He proclaims: I am with you. Even now. Maybe especially now. He is risen. And that changes everything.

There is a particular view from the dugout bench that only the not-so-good know well. It's the view from the end of the bench. The splinters you've memorized. The dirt at your feet you've studied longer than the game itself. You can see everything from there — the field, the action, the players who belong — but you are not in it. You are watching. Waiting. Wondering if your name will ever be called. I spent a lot of time on that bench. Last one picked. Wrong end of the dugout. The kid coaches sighed about and teammates learned not to throw to. You don't forget that feeling. The quiet ache of not measuring up. The sense that some people just get it — and you don't. You don't have to play baseball to know that bench. Most of us have sat on some version of it. That's exactly where the people on that hillside were. Not metaphorically but literally. The religious system of the first century had a very clear pecking order — and most of the people who followed Jesus to that hillside weren't anywhere near the top of it. They were fishermen, farmers, and tax collectors. They were the people who'd been told, quietly and not so quietly, that God had higher standards than they were meeting. Then Jesus sat down. And He looked at that crowd — that tired, hoping, half-believing crowd — and said: Blessed . Blessed are the poor in spirit. Blessed are those who mourn. Blessed are the meek, the hungry, the merciful, the pure in heart. Blessed are the peacemakers. Blessed are the ones who've been pushed around for trying to do right. The Greek word is makarios . And no matter what you have heard, the word does not mean happy. These people weren't happy. They were worn down and wondering if God had forgotten them. Theologian Frederick Dale Bruner called the word, Blessed, as if God is whispering: I'm with you . And that is what Jesus was doing on that hillside. He wasn’t handing out merit badges. He was declaring something that the whole religious system around him refused to say: You are already loved. God is already on your side. Please understand that, in saying that, Jesus was making an extremely radical claim. It was an expensive thing to say. That's the part we can easily miss when we read the Beatitudes, especially when we read them in any other season but Lent and Good Friday. We hear blessed, which makes us feel warm. And maybe we should. But Good Friday asks a question the Beatitudes don't answer on their own: What did it cost Jesus to make that claim? Because grace isn't cheap . It never was, and it never will be. When Jesus said, " Blessed are the poor in spirit " — He knew what was coming. When He looked at that crowd of people the world had written off and said you belong to the kingdom of heaven — He knew the price of that declaration. He knew that He was the One who was going to pay it. Every person He called blessed — every fisherman, every grieving mother, every doubter sitting in the back of that hillside crowd — the grace extended to them had a cost. And Jesus carried it; He carried it alone. To a hill less pastoral than the one where He preached. Then to a cross and eventually to three hours of darkness and a cry that still echoes: My God, my God, why have you forsaken me? Love isn't cheap. It's the most expensive thing there is. And on Good Friday, we don't look away from that cost; we have to sit with it. We let it be as heavy as it actually was. The cross isn't a footnote to the Sermon on the Mount. It's the answer to it. Jesus could say blessed to the last-picked, the overlooked, the not-good-enough — because He was willing to pay what it cost to make that true. You know, if I am honest, there are still more days than I would like to admit when I feel like I've been sent back to the bench. The world says that I am too old; it loves to remind me of every mistake, every error, I have ever made. Or maybe it's not the world, maybe it’s me telling myself that I am not good enough anymore; that I am damaged goods. Maybe there are days when you feel the same way. The Unlikely Altar just might be the thing I disliked the most — t he bench . Splinters and dirt. The wrong end of the dugout. But maybe that's exactly where we meet the God of Good Friday. Not in the robes and the formality. Not in the times we had it all together. But in the waiting. The wondering. The hurt. The loneliness. The not-quite-good-enough. Shhh…do you hear it? That voice is calling you and me — not because we are good enough, but because Someone chose to pay the price and declare to the world: you matter. I matter. We matter. And can you imagine what would happen if you actually believed that? On this Good Friday, may we know, may we remember, may we never forget that there is nothing you can do — nothing — to ever make God love you less. Because when God sees you, He doesn't see the mistakes you have made. He simply says you are nothing but the best of the best of the best.

