Estate of Catherine E. Dowell, Deceased, Patricia Low, Executrix - Page 4

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               Decedent previously had worked for another insurance agency            
          where she started as a secretary and worked her way up to vice              
          president over 17 years.  She was one of the first women to own             
          an insurance agency that sold commercial lines of insurance in              
          northern New Jersey.  Decedent was businesslike and tough; she              
          dictated what she wanted in business contracts and letters.                 
               During 1988 decedent had a cancer operation and a long                 
          recovery period.  Decedent told her daughter that she felt the              
          business should live on after her death.  The business was                  
          decedent's legacy.  She also told her daughter that she would               
          like to see the agency built up and her daughter to have the                
          opportunity to own the entire agency.  After another bout with              
          cancer, decedent died testate on July 27, 1990.                             
          Decedent's Husband                                                          
               Decedent's husband, Sidney Dowell (sometimes referred to as            
          father or surviving spouse), was never active in the agency even            
          though he was listed as its vice president.  Patricia Low never             
          saw her father at the agency's office.  He was never licensed to            
          sell insurance.  Sidney Dowell was a blue collar worker who                 
          retired from his small electric motor repair business in about              
          1976.  He had nothing to do with the insurance business nor any             
          interest in the insurance business before or after decedent's               
          death.  Sidney Dowell died on May 2, 1994.                                  
               Patricia Low and Kenneth Dowell (sometimes referred to as              
          the son) are the only children of decedent and Sidney Dowell.               




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