I met with a friend who was referred to me about few years ago.

Her Mum was about 60 years old and had some existing medical conditions. Given her Mum’s health condition of blood pressure, diabetes, cholesterol etc, she knew it would be difficult to get her Mum insured, but she told me this. “I would rather pay a few hundred dollars every month than to be hit with a sudden big amount at the most unexpected time which I may not be able to afford..”

Using my expertise, we searched for an insurance company who was willing to insure despite having some basic existing medical conditions. Of course, the amount was limited but something was still better than nothing at all. We proceeded with the application and some simple medical questions. Her Mum was insured promptly.

About a year later, I received a call. Her Mum went in and out of hospitals as she was unwell, and was later found to be diagnosed with cancer. Being unable to work, her Mum loss her income during that period of time and that also affected the family members who had to take turns to take care of her. There was emotional stress, physical stress and huge financial stress at the same time.

We started the claims process, and after a very detailed check, the insurance company paid out a cheque to the family which was substantial compared to the cost of premiums funded. Definitely, there was still the emotional and physical stress, but when the financial stress was lifted from the whole family, there was room for comfortable adjustments so that things are not as difficult as what it would have seemed initially.

When we are touched lives for the families we work with to the point of making a BIG impact, we feel appreciated for the work we have done.

That is why people come to us to be smart about how they should manage their finances so that they do not need to worry about the unexpected scenarios of life, whether they live too long, die too soon or get into accidents or critically ill in between.