“Our insurance policies hadn’t been updated for over 10 years and so didn’t adequately cover us for our situation at that time,” Susan explains.
A good friend, who was also an insurance adviser, sat down with Susan to review her insurance policies and convinced her that she needed to protect her income, particularly now she was a solo mum and the breadwinner for the family.
“I had already learnt that it was important to have insurance to provide for my children if I died, but I had never been sick or suffered an injury, so my instant reaction was ‘no way, I’m not wasting that much money’. My adviser was adamant and pointed out that I still needed to be able to provide for my children if I became unwell or suffered an accident. He showed me what I might receive from ACC and/or a sickness benefit, and I realised it was not enough, so I reluctantly agreed.”
One year later Susan was diagnosed with Chronic Fatigue Syndrome. When Susan approached OnePath to make her claim she admitted to feeling anxious because of the general lack of understanding about her illness.
However, when her claim was accepted, she was hugely relieved and able to focus on her recovery without having to worry about her finances. And with the support of her OnePath Claims Specialist, Susan has made huge progress towards getting back to work as soon as possible.
“I have always been apprehensive about insurance companies and particularly with my illness I had thought it would be a struggle. In fact, it’s been the exact opposite and I’ve felt supported the whole way through.”
Susan is currently working three days a week and hoping to get back to four days a week if everything continues to go well. She says that if she hadn’t had the security of her regular insurance payments she would have lost her house, and her children would have suffered through a drastic change in their lifestyle.
After everything she’s been through Susan now believes that “insurance is an absolute must – particularly if you are the sole breadwinner”. After the loss of her husband and her illness she regularly reviews all of her insurances to make sure they’re right for her circumstances, because as Susan well knows – you never know what’s around the corner.