The phone call you don’t want to make

Yes we had the call at 8.30pm last night. It is the call an adviser doesn’t want to hear.

My son has been killed & you do his insurance.

We are in shock & just want to say nothing as anything is a platitude.

We are very sorry.

It happens to the wrong people.

Our prayers & sympathy.

You don’t deserve this has you have worked so hard.

Then we ask ourselves these questions

Who does he have his insurance with?

Who is his beneficiary?

Who do we contact & what is the process?

How much insurance does he have & is it enough?

What did we advise him to take?

 We don’t ask & no one ever does Now

How much was the premium ?

What did we charge?

What is the ongoing service fee for?

Let me think about it.

And all those other procrastination excuses for an opt out of the real world

This event affects everyone, parents, girl friend, work colleagues, customers, suppliers & all his friends.

May he LMC rest in Peace 

He worked very hard, he was ambitious, he cared for many years his girlfriend who is estranged  from her family  & his father was passing the business that he had built up to him.

Unfortunately this is not the first claim that we have had. 

We recall our first claim @ Easter 1986 when ADR was killed by a road train. 

We had advised cover six week earlier & he had to ask his wife who was a solicitor. 

We still recall to this day she quivering in shock at the funeral.  

No  she says .

 Hence we always wonder how she has survived. 

Insurance certainly doesn’t help the grief but   it helps all those left behind .

His cover is with TAL and TAL paid $885 million in claims in the 12 months to 31 March 2014, representing a 38% upsurge on the previous period.

and

For the first time in its history, the Australian life insurance industry has paid out more than $5 billion in claims in a single year.

As nearly all on our list has contacted us for cover & procrastinated then today is the time to call us again.

Is it our job to call you?  How many times should we?

After the PUP’s kitten’s petulant decision this week then maybe there won’t be an adviser left for you to call.

As others do call us today on   07 3848 1088 or email us or visit our websites.

We believe that we can generate significant financial certainty for you throughout our relationship & importantly add substantial value to ensuring you achieve all that is important & valuable to you as you have articulated to us.’

If we were to sit down in three years time & looked back what do we need to do today so that you are financially & personally better off & happier.

John McAuliffe