Chubb Life claim story - Martynas Sinkus.

Summary

Martina 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

• 👋 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.
• 🏭 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.
• 🚜 Accident Occurrence: Seven months ago, Martina crushed her thumb with a post driver while building a fence, resulting in a significant injury.
• 🤕 Recovery Struggle: The injury to Martina's hand took a long time to recover, which raised concerns about her ability to fulfill her responsibilities.
• 💸 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.
• 🆘 Insurance Realization: In a moment of despair, Martina remembered they had insurance and contacted Cassie, who took care of the rest.
• 📝 Assistance Provided: Cassie helped Martina with the paperwork, ensuring that the insurance policy was activated to cover the injury and labor replacement.
• 💼 Specific Insurance Coverage: The insurance included specific injury cover and labor replacement from Chubb, which was crucial for the business continuity.
• 💰 Financial Relief: Martina received a lump sum payment shortly after the injury, and labor replacement kicked in, alleviating financial pressure.
• 👷‍♂️ 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.
• 🙏 Peace of Mind: The insurance provided Martina and her family with peace of mind, enabling them to focus on recovery without financial stress.
• 🗣️ 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.