Jon’s story – a critical illness insurance claim
This is Jon’s remarkable and moving story
Every year we contact our clients as part of our on-going service. The purpose of our call (and the letter they subsequently receive) is to remind them what they are actually covered for and to check that it still meets their needs and circumstances.
We also help our clients to complete their Trust forms, if they haven’t been returned to us at the time of our call. After arranging a policy, most of us soon forget what we are actually covered for (and for how long) and tend to focus on the monthly premium.
In July we called Jon Pearce, and this is his story, in his words.
In June 2015, I found a lump on my testicle. A small lump but there just the same. The next day I went to see my GP who confirmed the lump and fast-tracked me to see a Urologist.
The appointment for the Urologist came through pretty promptly, we saw a very amicable surgeon who after an examination sent me for an ultrasound to identify what the lump was. He said if it was nothing the ultra-sonographer would let me go with just a quick set of blood tests to do. I knew something was wrong when I was requested back to see the Urologist straight after my ultrasound scan.
We passed his office to see him on the phone regarding my case. He beckoned us in and all at once, the bottom dropped out of our world as he informed us it was in fact cancer. I needed surgery the next day to remove it.
I was numb, people say they go numb with news and I now know what they mean. I was numb head to toe, my body and mind were in total shock and unable to process any further information. Then the thoughts started to come to me: What about our future? What if it was advanced? What if I die? Who would look after my wife and kids? Who would help pay the bills???….it was too much! However, I had to hold it together and to be positive especially in front of the kids as I didn’t want them to know.
Thankfully, the operation to remove the cancer was successful. Then I needed to have further blood tests, wait for the histology report and have a CT done to make sure it had not spread to my lymph nodes.
During all this, I can’t remember exactly when, as I was still in a blur, a moment of serendipity occurred. Future Proof rang me to discuss my Critical Illness Policy, the insurance I pay £80 odd a month for. Well as you need to keep such insurance up to date with health issues I let them know about my cancer diagnosis. The adviser who I spoke to was very supportive and suggested that I should put forward a claim with my insurers AIG life. To be honest, I wouldn’t have even thought of doing this and thinking back I should have. However, my claim was put forward to AIG life by Future Proof and so the process began.
At this time I had some wonderful news, the histology and CT confirmed the type of cancer. A 4 cm tumour of mixed carcinoma. By the grace of God, it had not spread to my lymph nodes. Thankfully, I would not need chemotherapy. I would be put on five-year surveillance, the world was a sweeter place that day, believe me.
I have never loved everyone in it and everything about it so much. Especially my kids who I squeezed so hard when I saw them they must have wondered what had got into dad.
AIG life contacted me in the interim, I spoke to a fantastic claims team who helped me through every bit of my claim, keeping me informed and advised at every step, they were amazing.
Then I got a phone call from them, I thought here we go they have rejected my claim on some technicality. We all think that I suppose, any loophole to escape payment, but no my legs went weak for the second time this year. This time with much happier life-changing news. My claim had been accepted, read that again, my claim had been accepted to the amount of £119,251.65. I was expecting possibly if I was lucky £1000 but not £119,251.65! That is a life-changing amount of money and believe me we will use it to change our lives and those of others.
A new life
I would never wish for anybody to hear they have cancer or a life-changing or threatening disease. It is news that not only crushes the patient but their family. I am lucky, and cross fingers I will remain so, fit and well, that is the most important thing. I can grow old and cantankerous and can continue my divine right to embarrass and to learn more about my kids. Except, now I can do this with the reassurance that I have the money to provide for their future all by paying the £80 odd monthly payment for critical life insurance. The relief!
Please note that any premiums mentioned are indicative only and based on this specific case study/ example, which is shown for information purposes only. Your own circumstances will determine whether the amount payable is more or less than the figure quoted.
Written by Jon Pearce – 09/10/15
Read more about what conditions a critical illness policy covers.
Some facts and figures (source the ABI – 2020)
- 92.2% of Critical Illness claims were paid in 2019
- 17,995 Critical Illness claims were paid
- The average Critical Illness payment was almost £67,573.28
- The main reasons for claims were cancer, heart attack, stroke and multiple sclerosis
Whilst you are welcome to get a quote online, we would recommend you speak to one of our advisers.
Any quote that your adviser provides you with will take into account your circumstances and medical history, as well as your budget!
An online quote is just that – a quote – it isn’t a definite offer of cover. What really matters is the premium you are offered, after your application has been assessed.
Call Freephone 0800 644 4468 – Monday to Thursday from 09.00 to 19.00 and on Friday between 09.00 and 17.00.Call me back
Interested in related stories?
Take a look at our handy guides ‘What Cover is Right for me?’
Do you suffer from a medical condition and concerned you can’t secure Life Insurance? Please view our ‘Medical Guides’ for further information.
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