YOU SELL LIFE COVER BECAUSE BAD THINGS CAN HAPPEN. YOU GIVE FINANCIAL SECURITY AT THE WORST POSSIBLE TIMES IN YOUR CLIENT’S LIVES. YOU CREATE MONEY WHERE NONE EXISTED BEFORE, WHEN IT’S NEEDED MOST.
Death doesn’t always happen because of old age or a serious illness; very often it can simply be the result of a tragic accident – being in the wrong place at the wrong time.
As we race up and down the country to work, see family and friends, or go on holiday, we’re increasingly likely to drive on a ‘smart motorway’. To increase traffic flow, these roads use the hard shoulder as a live lane and a growing body of opinion says they are dangerous.
The Government has recently reported that 38 people have been killed on smart motorways in the last five years (1) and on one 16-mile stretch of the M1, five people have died within 10 months (2) . That’s 38 mums, dads, kids, brothers or sisters that did not complete their innocent journey, simply because they were in the wrong place at the wrong time.
Accidents happen. You have a duty of care, a professional responsibility, to ensure your clients are financially secure if they do. It’s your duty to make sure that every client you see, and their families, are fully protected against the unexpected. Make sure after every meeting you can answer ‘Yes’ to these questions:
- If this client dies tonight will their family be fully financially protected so they can continue their lives free of money worries?
- If this client has an accident (or long term illness) that stops them from working, will they be able to keep their home, and maintain their lifestyle, without their income?
- If this client is diagnosed with a critical illness will they have the peace of mind knowing they can afford to take time off work and still pay the bills?
So do the ‘smart’ thing with every client. Ask the right questions, paint the right pictures and put a solution in place to protect against the unexpected!
Steve Berry
Protection Proposition Manager
1. https://www.bbc.co.uk/news/uk-51236375
2. https://www.bbc.co.uk/news/ uk-england-south-yorkshire-51208234
