Happy Ending by Fiona Stone
None of us wake up in the morning thinking that we really hope someone comes to talk to us about our insurance needs today.
We think about what our day holds for us and what we have to achieve at work, is it our turn to bring the coffee, what sports the children have to get to tonight, what we will buy for dinner and many other things that form part of our everyday lives.
Insurance seems to be considered by many of us as the evil non-paying necessity. We have to have insurance if we want a loan. If we drive a car the law makes us have insurance. If we work for a particular company we have to have proof of personal insurance.
Too often when I hear conversations about insurance experiences so many people have stories ‘of how insurance never pays’
Actually insurance does pay. It pays to have insurance.
The important thing is to work with a trusted advisor who will have your best interests at heart. A trusted adviser will work on your behalf with the insurance company when the time comes to claim.
A trusted adviser will know which insurance best suits your needs because they will take the time to sit with you and taking the time to learn about you, your job, your family and your wishes for the future.
This is not the only way to arrange insurance for yourself but remember you are not booking a holiday, you are making a commitment to the ones you love to be able to take care of them in the event of a serious loss, whether it be a loss of income because of illness or injury or a loss of loved one.
It is important to take time to deal with your insurance needs and to review them regularly, we NEVER know what is around the next corner in our life…if only we all had a crystal ball.
One person who was very happy that he did not put off until tomorrow is a Professional Truck Driver from Northern Ontario. He arranged personal accident insurance for himself with a recommended broker a number of years ago. Every month he paid for his insurance and never made a claim but he continued to pay it because he knew that if something happened to him either at work or at home he would be left with no income and no way to support his family.
On Dec 21st 2015 4 days before Christmas, he was driving his truck as usual, there was nothing special about this day. He had his load to pick up and drop off as with every other day and like everyone else in his business. It would turn out to be an extremely different day, a life changing day;
His truck slid on the winter road and he veered into the deep snow filled ditch, unfortunately his truck didn’t stop there. It continued forward colliding with a large culvert propelling him and his truck into the air coming to land in the ditch on the other side. Obviously he was rushed to hospital. He had broken his back and sustained two hernias form the impact, it would be a long road to recovery that would include surgery and physiotherapy and a lot of patience, pain and hard work.
I am delighted to say that he is doing fabulously, he still has a long way to go and will most likely never be able to drive a truck again as sitting for any amount time is painful and his body could not withstand the jolting of the truck, but he is happy.
Why is he happy… because he has a huge weight lifted from his shoulders, the burden of providing for his family! He appreciates that the day he signed up for his insurance was one of the best decisions that he has ever made because every month since the accident he has received his benefit payment from the insurance company and will continue to do so while he is unable to work. Do you have insurance?
Answer these questions…
· Do you have enough life insurance, has your family grown, do you want to leave money for loved ones?
· Do you have too much insurance, have you paid off all of your debt and only want enough insurance to cover final expenses?
· Do you have income protection, how will you pay the bills and put food on the table if you can’t work due to illness or injury?
· When did you last speak to your trusted advisor?
Don’t wait…Act now!!
