Category | Retail

Case Study – Smoking Status

In this claims case study, the adviser shares the difficulties he encountered when lodging a claim for a client who had quit smoking prior to taking out his policy. The case study emphasises the importance of disclosure and definitions, and more significantly, the vital role a proactive and passionate adviser plays from contract to claim. At […]

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Case Study – An Unidentified Claim

In this claims case study, a couple, both medical practitioners, who were referred to the adviser for a review of their insurances discovered they were entitled to an additional claim payment. It demonstrates the value an adviser can bring at time of claim, and why clients need to notify their adviser of any occurrence they […]

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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 – The Importance of the Date When Diagnosed with Terminal Illness

In this claims case study, the adviser shares how he was able to secure an additional benefit for his client, based on the date on which their illness was first diagnosed. At a glance Provided by: Robert Bonifacio, MDRT member Business: Essential Financial Services Licensee: Charter Financial Planning Clients: Bob and Mary* Claim type: Life […]

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Case Study – My Own Claims Experience (Ben Day)

In this claims case study, an ex-adviser shares his experience of having to make his own insurance claim, and the impact this had on his view of the advice industry. At a glance Provided by: Ben Day Business name: Risk Sales Tools Date of claim: November 2010 Claim type: Income protection and trauma In detail […]

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Case Study – My Own Claims Experience (Mark McNeany)

In this claims case study, adviser Mark McNeany shares his experience of having to make his own insurance claim, and the impact this had on his view of the advice industry. At a glance Provided by: Mark McNeany Business name:  Vertex Group Licensee: Garvan Date of claim: July 2010 Claim type: Income protection In detail […]

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Case Study – Young Life Cut Short

In this claims case study, financial adviser, Ted Zappara, shares the heartbreaking story of how he lost his daughter at the age of just 22. As an adviser, he had previously insisted all his children take out life insurance, and he shares how this approach means his granddaughter will be provided for well into her […]

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Case Study – My First Claim (Karyn Hilton)

Before becoming an adviser, Karyn Hilton worked as a nurse. In this claims case study, Karyn shares how this previous experience helped her identify a potential trauma claim on behalf of her client. The claim also happened to be the first she processed for a client. This case highlights the importance of researching your client’s […]

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Case Study – My First Claim (Craig Ball)

In this claims case study, succession and estate planning specialist, Craig Ball talks about how nervous he was when faced with his first claim, just one year after setting up his own business. He highlights the importance of developing a comprehensive claims process and engaging with the insurer during the claim. At a glance Submitted […]

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Case Study – Insuring Your Friends

In this claims case study, an accident left the client totally disabled. He later died from the condition. The claimant in this case study was a close friend of the adviser, 2010 AFA Adviser of the Year, Steve Salvia. He highlights the importance of ‘doing the right thing’ for those close to you, whether they […]

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