10 Feb Good Advice is Worth Everything – Take it from David
We were extremely humbled to receive this email from client David B earlier this week. David has had a relationship with us for more than 10 years and we are so glad to have been of service to him all the way through his journey from the start, to the middle and especially at claim time. Special mention to Karla Jones, David’s highly skilled adviser, and member of our team for more than 10 years.
I have always been delighted with the service that I have received from Loutkovsky Financial and now Orion Financial Group since I transferred my life insurance business to you in 2002. Never more so than when I was recently diagnosed with prostate cancer. I have always been impressed with the big picture approach you take to helping clients identify their life insurance needs, forcing me to look beyond the obvious things like paying off the mortgage and ensuring that I had enough cover to ensure that my family could live comfortably going forward in the event of my death or TPD.
Karla Jones has been the main person looking after my portfolio since around 2010 and I have always found her extremely helpful, knowledgeable and thorough.
In 2010 Karla identified an opportunity for me to transfer my existing policies to an alternative insurer whose policies would offer me superior cover for roughly the same premium levels. Being self employed, my income levels can fluctuate significantly from year to year, so Karla guided me towards taking out an agreed value IP policy that allowed me to lock in the benefit levels based on a period where I was earning high levels of income. There have been times during the leaner years when the premiums were a bit of a stretch, but in light of my current situation going for an agreed value policy proved to be the best decision that I could have made.
Had I been on one of those standard IP policies that they advertise on the telly, the benefit that I have just received would undoubtedly have been less substantial.
When I was diagnosed with cancer I immediately contacted Karla to get an idea of where I stood with regard to my existing policies. She commenced preliminary discussions with my insurers and within 24 hrs she came back with preliminary advice as to the likely benefits I could receive. That advice alone immediately removed one whole layer of stress from the process I was about to undergo. Karla then continued her dialogue with the insurers to determine what needed to be done and gave me clear and concise instructions on exactly what I needed to do. She even urged the insurer to process my IP Crisis Care claim on the basis of my Trauma Claim, saving me the stress of having to fill out additional and essentially redundant paperwork. Would I have been happy trying to deal with the call centre of a car insurer or supermarket chain in such a delicate and complex matter? I don’t think so.
Careful selection of insurers has always been an important part of what Orion does. You have always chosen to recommend insurers who have products with superior benefits and a good claims history, rather than simply price shopping as many brokers do when recommending products to clients. I have to say I am absolutely delighted with my current insurer Comminsure. To have had a six figure claim settled in 7 – 10 days with a minimum of fuss was just so refreshing. I have had some reasonable insurance experiences in the past, but nothing like the level of service that Comminsure provided.
I have had my surgery and the initial prognosis is that the cancer has been completely removed. The recovery is going extremely well so far. So now rather than just providing some compensation for the trauma I have experienced, it has now placed me in a much sounder financial position to enjoy an even brighter future and simplify my eventual transition into retirement.
So thank you once again to Orion for taking such a wholistic and caring approach to my life insurance needs. I look forward to continuing my association with Orion well into the future. I am not going anywhere anytime soon.