In this edition of the newsletter we would like to share a life insurance claims story. Tania and her husband Marty came to us unsure what they needed but were concerned about protecting their family in case of ill health. Our adviser Tanuja Pirie, advised them of their options and helped them implement the policies that they selected. Less than 12 months later Tania was diagnosed with a severe brain tumour. We have recently been successful in securing the payment of Tania’s Total & Permanent Disability payment and she continues to receive her monthly income protection payments. The below is a letter received from Tania this week:
As you know, when I met you to discuss our insurance needs, I never ever thought I would need income protection or Total and permanent disability cover as I lead a healthy lifestyle. I remember you talking to me about the risk that my family could face if I was out of action as I was a working mum. I decided to take your advice and take out the insurance policies, but little did I know that within 12 months I would be diagnosed with a malignant tumour in my head. I now need years of rehabilitation, am unable to ever return to work and our world has been turned upside down.
The Life, total and permanent disability and income protection policies you put together for me with TAL changed our lives forever. Marty remembers when he called you to tell you what happened to me and you got onto the claims process immediately. We had a lot of forms to complete and you came to our home and sat with me one morning to go through it all. I am so grateful for the numerous phone calls over 6 months between TAL and you so that you could minimise my involvement, as I was unable to comprehend the information. We truly understand and appreciate the time you put into our claim.
We can't believe that we have now paid off our mortgage thanks to these policies. In addition, Marty can go to work and continue to run his business while I get the necessary medical attention and care that I need. My income protection policy allows me to contribute to our family and medical needs. Your advice, guidance and assistance with the payment of the policies covered all our issues and removed all financial stress. I am very grateful that we took your advice and that we had Fitzpatrick Financial Services looking after us.
Kindest regards, Tania & Marty