Chubb Life claim story - Martynas Sinkus.
Summary
TLDRMartina Sinos, a 32-year-old dairy farmer from South Canterbury, shares her experience of a severe hand injury that threatened her livelihood. With the support of insurance, including specific injury cover and labor replacement, she was able to recover without financial stress. The quick lump sum payment and work replacement eased her worries, allowing her to focus on healing and maintaining the farm operations. The narrative highlights the importance of insurance as a safety net for unforeseen circumstances, providing peace of mind and financial stability.
Takeaways
- đ Introduction: Martina Sinos, a 32-year-old living with her wife and two children, is a contract milker on a 650-cow farm in South Canterbury, New Zealand.
- đ Business Operation: The farm requires a variety of tasks to be performed by each person, with everything needing to fall into place for a successful day.
- đ Accident Occurrence: Seven months ago, Martina crushed her thumb with a post driver while building a fence, resulting in a significant injury.
- đ€ Recovery Struggle: The injury to Martina's hand took a long time to recover, which raised concerns about her ability to fulfill her responsibilities.
- đž Financial Concerns: Martina worried about how to pay the bills during her recovery and how to shoulder her responsibilities as well as her partner's.
- đ Insurance Realization: In a moment of despair, Martina remembered they had insurance and contacted Cassie, who took care of the rest.
- đ Assistance Provided: Cassie helped Martina with the paperwork, ensuring that the insurance policy was activated to cover the injury and labor replacement.
- đŒ Specific Insurance Coverage: The insurance included specific injury cover and labor replacement from Chubb, which was crucial for the business continuity.
- đ° Financial Relief: Martina received a lump sum payment shortly after the injury, and labor replacement kicked in, alleviating financial pressure.
- đ·ââïž Business Continuity: The insurance allowed for people to be in place to help with the farm work, ensuring that the business could continue despite Martina's injury.
- đ Peace of Mind: The insurance provided Martina and her family with peace of mind, enabling them to focus on recovery without financial stress.
- đŁïž Client Philosophy: Martina's saying to her clients reflects the hope that insurance remains unused but is there as a safety net if needed.
Q & A
Who is the main speaker in the transcript?
-The main speaker in the transcript is Martina Sinos.
What is Martina's age and occupation?
-Martina is 32 years old and is involved in contract milking on a farm.
How many children does Martina have?
-Martina has two children.
What type of injury did Martina sustain while building a fence?
-Martina crushed her thumb with a post driver, which was a significant injury to her hand.
How did the injury impact Martina's ability to work on the farm?
-The injury affected her ability to shoulder her own responsibilities and those of her business partner.
What was Martina's immediate concern after the injury?
-Martina was concerned about how she would be able to pay all the bills during her recovery.
What role did insurance play in Martina's situation?
-Insurance provided specific injury cover and labor replacement, which was very helpful for Martina and her business.
What type of insurance coverage did Martina have from Chubb?
-Martina had specific injury cover and labor replacement insurance from Chubb.
How quickly did Martina receive the lump sum payment after her injury?
-Martina received the lump sum payment within a couple of days of the injury.
What was the impact of the insurance on Martina's peace of mind?
-The insurance allowed Martina to take a breath and have peace of mind, relieving the financial pressure.
What is the saying Martina has with her clients regarding insurance?
-Martina's saying is that she hopes the insurance is the biggest waste of money they ever spend, implying that they live a healthy life without needing to use it.
Outlines
đ Farm Life and Injury Impact
Martina Sinos, a 32-year-old living on a 650-cow farm in South Canterbury, discusses the critical nature of her and her wife's contract milking business. The day-to-day operations require everyone to perform specific tasks for success. Seven months prior, Martina suffered a severe hand injury when a post driver crushed her thumb, which significantly affected her ability to perform her duties. Her immediate concerns were about managing her responsibilities and the financial implications of her injury. The mention of insurance brought relief, and she contacted Cassie, who efficiently handled the situation, ensuring that Martina's specific injury and labor replacement insurance from CHUB provided immediate financial support and peace of mind.
Mindmap
Keywords
đĄMake or break
đĄContract milking
đĄSignificant injury
đĄResponsibilities
đĄInsurance
đĄLumpsum payment
đĄWork replacement
đĄPeace of mind
đĄFinancial pressure
đĄFirst point of contact
đĄHealthy life
Highlights
The importance of insurance for a business owner's livelihood is emphasized by Martina Sinos.
Martina Sinos and her family live on a 650-cow farm in South Canterbury, highlighting the scale of their operation.
The necessity of each person's role in the success of a day's work on the farm is underlined.
A personal injury incident is recounted, where Martina crushed her thumb with a post driver.
The injury's impact on Martina's ability to perform her and her husband's responsibilities is discussed.
Financial concerns post-injury, including the ability to pay bills, are expressed.
The role of insurance in providing a safety net during times of crisis is highlighted.
Cassie's role in handling the insurance claim process is mentioned, showing the support system in place.
The use of a specific injury cover and labor replacement policy from Chub is detailed.
A lump sum payment was received shortly after the injury, providing immediate financial relief.
Labor replacement kicked in, alleviating the pressure of managing the business during recovery.
The insurance allowed the family to focus on recovery without financial stress.
The value of having people in place to help out during a crisis is underscored.
A saying shared by Martina with her clients about the hope that insurance remains unused is mentioned.
The transcript concludes with the advice to contact Martina in case of an unfortunate incident, emphasizing preparedness.
Transcripts
[Music]
if we didn't have these two covers in
place it would have been make or break
essentially for our
business my name is Martina sinos I'm 32
we live here with my wife and two
children we're contract milking on a 650
cow Farm in W Med South Canterbury
there's a wide variety of jobs each
person on Farm has a task to do
everything has to fall into place for
the day to be
successful 7 months ago now um crushed
my thumb with a post driver while
building a fence it was a significant
injury to my hand and it took a long
time to
recover the first thing that went
through my mind was how am I going to be
able to shoulder not only my own
responsibilities but then his
responsibilities for our business and
then from that stemmed on to oh how am I
going to be able to pay all the bills
while I was in my spiral of Doom I just
thought
of we've got insurance and so then I I
made the phone to Cassie and she took
care of the rest once I told noi that
Mar Had cover in place I could hear in
her voice that she was a lot more
relaxed and I told her that I was going
to come out and see them in person to
help them with the paperwork so that was
sort of one list on the app that they
had to deal with we had specific injury
cover and labor replacement from chub
that was really helpful for us going
forward I was um lumpsum payment within
the couple of days of the injury and
then the work replacement one kicked in
that really took the pressure off having
not to worry about what's going on
outside with the business because we
have people in place to help out the
insurance really just enabled us to take
a breath to have that peace of mind it
was good to be able to take that
pressure away from them
financially one of the sayings I have
with my clients is that I do hope this
is the biggest waste of money you ever
spend I hope that you live a healthy
life but should something happen that I
be your first point of contact and that
we can help you through that
situation
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