I used to think about income protect insurance with about as much excitement as going to the dentist. I would whinge about the cost of the premiums and felt sceptical and anxious about whether they would even pay out if I needed to claim. It’s an expense that I used to look at every year and wish I didn’t have to pay it!
I was first introduced to ClearFP at a conference in 2015, and we discussed insurance. They offered to have a look at my existing policies with no obligation to ensure my cover was appropriate. Being the sceptical person I am, I felt like this was just a way to get me and then sell me something, however after looking over my existing policies, I was impressed by them honest advice, which was that the policies I had in place were exactly what I needed and that he wouldn’t change anything. They didn’t even try to convince me to let them manage the policies! It was as they said, an obligation free review of my existing policies. I was impressed by ClearFP to this point, and as I hadn’t heard from my existing advisor for some time, I decided to change my policies over to his management. And might I say I’m glad I did!
Unfortunately, within a few months of changing over to ClearFP, I was involved in an accident overseas which ultimately required surgery upon my return home. I got in contact with ClearFP shortly after the accident and they reassured me that everything was fine until I got home, and to try to just enjoy the rest of the trip. When I got home a few weeks later, we had a chat on the phone about the details of what had happened, and then sent me through some forms. Everything was already filled out and all I needed to do was sign it. I could not believe how simple he had made the process for me. As the policies in place were comprehensive, there were no issues at all with the claim, and everything was so smooth. There ended up being some complications with the surgery and I was on claim for roughly 6 months, but in only dealing with ClearFP and not the insurance company directly, I never felt like I was being pushed off claim or anything like that.
About 2 years later, further complications with the same shoulder, to go along with a broken ankle meant that I needed further surgeries and needed to be on claim again. The insurance company pushed back on a couple of points, but again, with ClearFP dealing with the insurance company, it wasn’t anything I had to deal with, and he quickly got it sorted out.
Having to deal with the medical issues that I’ve had over the last few years has been very difficult, but not having to worry financially about being off work during that time made a stressful time, considerably less stressful. ClearFP used to have on his email signature the phrase “The difference between a good insurance policy and a bad one is the quality of Advice you receive!” I don’t disagree with the statement, but I don’t think it’s comprehensive enough. Getting the right advice is obviously important, but there’s so much more that Mark does that sets himself apart.
My attitude towards income protect insurance has changed so much. I’ve been so grateful that I had it, and that I had someone like ClearFP to help me. I will never be without it! Mark really knows what he’s doing, and he does it very very well. I could not have asked for any more than what I received from them initial advice through to his assistance with the claims. I have already recommended him to several friends, and I would not hesitate to recommend Mark’s services to anyone!