It is well publicised that consumers have a misconception that the protection industry does not pay claims. All insurers now publish their claims paid stats that highlight claims paid are often well in excess of 90% and this data is freely available for advisers to pass on to their clients. Whilst this can help build consumer confidence it only tells part of the story and nothing quite highlights the importance of protection like a real-life example of a client benefiting from their protection plan. Many insurers now release case studies on their websites which tell the stories of claimants, how their scenario has affected them and their family and how having protection has benefitted them. We have brought together a collection of case studies from across the market telling such stories.
Derek was aware that he had a prostate issue for a number of years and had regular biopsy’s and tests, but when undergoing surgery for tissue removal and analysis found that he had prostate cancer. In this video, Derek talks about his “life changing event” and how being able to claim on his Royal London whole of life policy with critical illness helped him and his business even though he wasn’t sure that his condition was covered.
Emily is 43 years old and married with two children “made of fur”. She was diagnosed with cancer and fortunately doctors were able to remove the cancer before Emily found out. This video explains how being able to claim on her Zurich critical illness plan enabled her to focus on her mental and physical health following her diagnosis and not worry about her finances.
Linda is a finance business partner for a government department and was feeling fit and healthy with no symptoms before receiving the news that she had been diagnosed with bowel cancer in August last year. In this video Linda, tells her story and the relief she felt when Aviva confirmed that her critical illness policy would pay out.
After three failed pregnancies and being diagnosed with Antiphospholipid Syndrome, Avril gave birth in 2017 but suffered a lot of pain in her back and chest. After investigations doctors found that she was having a heart attack. Avril was able to claim on her critical illness plan with Legal & General and in this story she tells us about the events leading up to her claim and how the money from her plan has helped her family.
Linda and her husband took out critical illness policies over 20 years ago, at the time they just thought it was the right thing to do. Being fit and healthy, they honestly felt they would never need the cover, until many years later Linda felt a lump and was diagnosed with breast cancer. “When you’re worried about your heath, the last thing you want to worry about is money”. Fortunately for the couple, Scottish Widows were able to pay out the claim, helping them pay off the mortgage and allow Linda to focus on her health.
Glenn and his wife Janice run the Cherry Tree Home Bakery in Northern Ireland. Set up by his parents more than 50 years ago, just taking time off for a holiday was extremely tricky. in January 2019, during a routine check-up for the acid reflux he’d managed over the years, the doctors found something more serious. “Cancer”. Thankfully, Glenn had taken out a joint critical illness policy through Zurich with his mortgage 20 years ago to safeguard his family and the business. After his diagnosis, he was able to claim within days, it was accepted.
The impact of not having critical illness cover – Heidi’s Story
After noticing something strange going on with her body whilst breast feeding her second son, Heidi was misdiagnosed several times as having mastitis. After further investigations she found she was pregnant with her third child but also that she had inflammatory breast cancer. In this story Heidi explains how things went from bad to worse and how the decision to not take out critical illness cover when purchasing life cover for their mortgage was “bonkers”.