What I Do For A Living

When people ask me what I do for a living, my usual answer is:

“I assist people to protect their families, their incomes, their businesses and their estates with the effective use of life insurance should they die too soon, live too long or become disabled and critically ill along the way.”

As a result of hardships experienced by certain of my clients in recent years, I have realized that this act of “Protection” in our business has a far greater meaning than merely placing the insurance in force. I have always felt that we insurance advisors are the only people who deliver cheques to the bereaved whereas many others deliver only bills!

I have a young, married client of 40 who cannot practice as a veterinarian because of a debilitating illness. However, the cheque that he receives each month as a result of his disability income policy enables him and his wife to cover the essentials that they need for everyday living. This does not fully replace their lifestyle but the funds help enormously.

Secondly, a much respected client of 65 passed away suddenly recently leaving a widow and thankfully adult children who are self sufficient. Fortunately, there are sufficient assets to ensure a reasonable living for his wife but the pain of his loss is hard for her to bear.
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Very recently, a long standing client of 72 passed away suddenly leaving a wife after 6 weeks of marriage and the absolute confusion and heartbreak for her is extremely difficult for her.

Where I believe we, the advisors, make a difference is that we help the survivors with the claims process which in these days of compliance and confidentiality can be a nightmare to navigate. We see to it that the correct documents are obtained such as the Claimant’s Statement, the Physician’s Statement, the Burial Certificate as well as confirmation of the identity of the deceased. We arrange notarized copies of these documents where necessary in order to expedite the payment of the claim which when we deliver the cheque to the beneficiary, is the fulfillment of our duties to that client to whom we made those promises when we first sold the policy.

When a widow does not know where to turn for help, we take her to a lawyer if necessary so that the estate may be dealt with in a timely and efficient manner. We search for other sources of life insurance benefits such as Group Employee Benefit plans and any other insurance policies that the insured may have had and of which the survivor may not be aware.

It is these “behind the scenes” activities that we perform for our clients that make the difference rather than dealing with an anonymous banker or an on-line supplier of insurance products. I am proud to say that we independent insurance advisors, live, eat and sleep our business in the best interests of our clients and their families.