When a family’s world falls apart around them!

Thu March 4th 2021


Like the vast majority of New Zealanders, Graeme and Alison had not reviewed their existing insurance cover for quite some time.  They had dependent children and large mortgages on 2 properties that were chewing up a large portion of their income. They realised that if anything happened to one of them and their income dropped or stopped, they were in real trouble.

The Process:

In meeting with Graeme and Alison we conducted our comprehensive and in depth fact finding process. This allowed us insights into their personal lives and financial situation. In reviewing their situation we consulted with their professional team to ensure that the solutions were agreed upon and understood by all parties. We put the solutions into action and instigated a follow up procedure.

The Solution:

We actioned cover to ensure that key concerns were addressed. This included the repayment of the mortgage, surety about the children’s future education, the completion of retirement planning and ongoing living costs. Graeme was the income earner so plans were completed to ensure that lump sum payments equal to the mortgage plus a contingency plan were in place.

An income plan was started so that the family would not go without should Graeme be unable to work. This was matched with a higher quality health plan. The total investment needed to action all this was equivalent to the cost of the protection plan being replaced – it cost no more but was far more comprehensive.

The Unforseen Happens:

DISASTER! In 2015 Graeme was diagnosed with cancer. The oncologist recommended chemotherapy along with an expensive drug that is only available privately. The cost was a huge $74,081! The cancer prevailed and a further $35,654 of treatment started.

NOTHING WORKED and Graeme and Alison were given the devastating news that he had 2-3 months to live. Their old medical plan would have only covered 80% of the medical costs. The new plan paid an additional $21,947. They would have had to raise their mortgage to pay for treatment under the old plan.

Wording on the superior life policy allowed the family to receive the life insurance early. This cleared all financial commitments and relieved this area of stress entirely. An additional feature of this plan commenced after Graeme’s departure and ensured that Alison and the children could maintain their lifestyle. It also allowed Alison to stop work without financial pressure and begin the healing process associated with grieving.

Graeme stated often that knowing that his family was secure was one thing that gave him huge relief and satisfaction as his time was nearing an end.

What our clients say

  • ""Yvonne organized health insurance for me and got me an excellent deal! She also managed to reduce my A.C.C.bill. Great service! ""

    Bjorn Leigh (H4 BUILDERS LTD)

  • ""Yvonne always responds to my referrals promptly. She pays diligent attention to them. She is knowledgable about the full range of life insurance products. She provides good advice that is applicable to the prospect or client.""

    Brian Taylor (INSURER SERVICES LTD)

  • ""Further to a personal enquiry I would like to say that Yvonne has changed my general opinion of Insurance Brokers – with Yvonne it’s not all about sell, sell, sell, it’s about building a long standing relationship, she listens and then provides informative, sound and professional advice surrounding all aspects of your life and career. ""

    Tori Mortimer (ASSISTANT.CO.NZ)

  • ""I have had Yvonne to review my personal insurance and ACC commitments. I was highly impressed by Yvonne’s knowledge and commitment to her industry. Yvonne was able to point out areas that would not be covered by my current insurance policies and assisted in sound advice to save money for my family and business. I have no hesitation in recommending Yvonnes services to anyone. Phil Prior – 021 55 2345 Web Mentor Datum Connect""

    Phil Prior (Datum Connect)

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