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Case Study – Steve Woodhouse

This claims case study was presented at the Association of Financial Advisers (AFA) National Conference in 2014. Former AFL executive, Steve Woodhouse, was diagnosed with Parkinson’s Disease at age 50. Mr Woodhouse was fortunate to not only have appropriate cover in place to support him and his family, but also a supportive advice team to […]

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Case Study – Unsuccessful Job Applications and their Impact on TPD

In the case of Birdsall v Motor Trades Association of Australia Superannuation Fund Pty Ltd and MetLife Insurance Limited, the Supreme Court of New South Wales delivered a judgment which considered, among other things, whether an insured’s unsuccessful job applications demonstrated Total and Permanent Disablement (TPD) under a group life insurance policy. TurksLegal Senior Associate, […]

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Case Study – Ward v MetLife

In this legal case, the plaintiff sued his insurer after his group salary continuance claim was discontinued because he was deemed to be no longer disabled. The case highlights the difficulties insurers and the courts can experience when dealing with mental health claims. At a Glance Source: Judges’ decision notes, with commentary by Terry Ward, claimant Topics covered: mental […]

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Case Study – Why I Became An Adviser

Risk Management, Estate Planning & Business Succession Specialist, Mark Everingham, watched his family struggle financially after his father suffered a heart attack. The experience would have a significant impact on Mark’s future career path, as he shares here…

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Case Study – Powerful Client Letter

This letter was sent to the adviser by the mother of a 27 year old man, diagnosed with cancer. It demonstrates the value that advisers deliver every day to individuals faced with genuine hardship. As the adviser points out, successful client relationships and client outcomes are at the centre of what advisers do, and technical […]

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Case Study – 30 Year Old Stroke Victim

This claims case study is told from the point of view of the customer, Sam Benjamin. His wife, Erin, suffered a stroke shortly after her 30th birthday. Sam and Erin did not have a financial adviser, and Sam was left to manage the claim process alone, while dealing with the emotional stress of nearly losing […]

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Case Study – Pro Bono Advice

In this claims case study, the adviser shares how he offered his services pro bono to a family dealing with cancer. At a glance Submitted by: Mark O’Leary Business name:  Eluvia Licensee: Hillross Clients: Family who lost husband and father to cancer Claim type: Death cover, terminal illness benefit In detail “Why do it? It’s a damn […]

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Case Study – Any Occupation TPD

In this claims case study, the adviser tells how she stepped in to help the client receive the TPD benefit they were entitled to through an industry super fund. It highlights the complexity of claims for group insurance inside superannuation, particularly when looking at the ‘any’ versus ‘own’ occupation definition. At a glance Provided by: […]

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