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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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