Your hopes. Your dreams. Your mortgage. Your lifestyle. They all depend on one thing. Your health.
If you are ill and cannot work and not in receipt of sick pay financial meltdown can result. If you lose your job, it is in your hands to get another one. If you are ill there may be nothing you can do whatsoever.
Mr H was a 37 year old, single HGV driver who had never had a days illness in his life. With no one else to turn to for financial assistance I recommended he took out an accident and sickness policy tailored to his high risk occupation.
He argued at first that he was wasting his money because he never gets ill. My answer was that he was buying peace of mind and that you hope never to have to claim on the policy but if the worst happens all your bills would be paid. Within 12 months of taking out the policy Mr H was diagnosed with an acoustic neuroma and required an operation to remove a non-cancerous tumour. He was off work for 10 months. Without the benefit from the policy he would have been in danger of losing his home. He would not dream of cancelling that policy and insisted on his fiancée taking out something similar.
A happy client who was able to concentrate on getting well without worrying about the bills piling up.