Call it chance, accident, fate or even serendipity; sh!t happens. Ok now that's out in the open, and we're being honest, the point we're making is life just happens to us all and some things catch us all off guard. How we deal with hard times makes us human, how we plan for those potential hard times makes us successful.
When hard times happen remember it's not personal - its just the statistical realities; its the numbers of life
When hard times happen, you can't take it personally as if it's directed solely at you and your family or even your business. The statistical reality is that we all suffer ups and downs in ways we never expected. That's why we use life insurance products as a safety net, just in case.
Obviously, everyone's circumstances are very different. People who drive cars are more at risk of being in a car accident than those who don't drive. If only life was that simple and predictable — it isn't. In 2016 sadly 176 pedestrians were killed in traffic accidents in Australia.
We believe that core to protecting and providing is having an honest understanding of the numbers of life so we can all have the opportunity to put a backup plan in place if something unexpected happens.
The good news is (if you're still reading) you do have the opportunity to help prepare for many of life's ups and downs so that when the hard times arrive you, your family and even your business are able to survive them.
In 2014 there were 11,237 unexpected deaths of married people between 15-64.
Of the 4 classes of personal insurance available, Life insurance, Total and Permanent Disability (TPD), Medical Crisis and Income Protection, these are the leading reasons for claims being made on these personal insurance policies.
|The leading causes of insurance claims|
|Death||Total Disability||Medical Crisis||Income Protection|
|Heart Disease||Cancer||Heart Disease||Mental Illness|
|Respiratory Disease||Mental Illness||Neurological Disorders||Cancer|
275 Australians develop diabetes every day
|The odds of a business partner dying or becoming totally disabled before age 65|
|Chance of 1 partner
dying before age 65
|Chance of 1 partner
dying or becoming
totally disabled before age of 65
|2 partners||35 in 100||52 in 100|
|3 partners||47 in 100||67 in 100|
|4 partners||57 in 100||77 in 100|
|5 partners||66 in 100||84 in 100|
|6 partners||77 in 100||89 in 100|