Claim time is ‘when rubber hits road’

A client who was able to keep his financial life on track – including continuing with the construction of a new home – despite being off work for about 18 months is an example of the difference that well-planned insurance cover can make, Dean and Tania Young say.

The couple, who own insurance advice firm Brave Day in Auckland, say it’s at claim time that all their work really comes to the fore.

Tania says the client in question went to have a bilateral knee replacement, one leg at a time, last year. But the first operation involved medical misadventure and he has been off work since.

“His medical insurance was paying for the procedure, and he’s had his mortgage protection policy paying him since the standdown period passed.