A colleague of mine relayed a story to me a couple of days ago, which struck a chord with me, for my own customers; and it goes like this.
"About 4 months ago some friends of mine asked me about getting a mortgage to purchase a home - he is a Major in the army and is coming to the end of his career and they wanted to return to the area where their friends are; they found a house and we sorted a mortgage & we had a few typical complications etc - but last Friday the mortgage finally completed and they went about moving to their new home over the weekend.
On at least 4 occasions I had a conversation about sorting protection as he was leaving the forces, and on every occasion the client agreed that they needed to do something but would ‘’sort it later ‘’
I didn’t push it as they were friends and I didn’t want to seem overly aggressive; however, on Monday of this week, 3 days after completion & whilst clearing the garden and having a bonfire, Mr Client got caught on fire (accidentally) and ended up in his local Intensive Care Unit with 3rd degree Burns all over his arm, body and face;
… luckily he is alive and will live to tell the tale, and he is still in the army so he will be looked after financially, but possibly only for 6 months…we shall see.
Thank God it wasn’t anything worse / fatal etc , but it struck me….just how many clients that we come across leave it until completion etc to deal with this stuff and don’t have the back up of Life/income cover from their employers ??!!
I learnt a big lesson and I was kind of relieved if I’m honest. But I should have known better than to let them keep putting it off...."
So, I think the headline speaks for itself. We know we should consider suitable protection against the unexpected and we all probably delay doing something about it. It's nothing new. We generally put decisions off like this due to cost, but that cost can be immeasurable if the worst was to happen.
Im happy to discuss your needs to see how we may be able to assist, just give me a call on 01785 878 555.