Derick's Chubb Life story

Summary

Derek, a 39-year-old from South Africa, now living in New Zealand with his wife Chrisa and three daughters, shares his experience of battling a rare cancer. Two years ago, Chrisa was diagnosed, and their insurance policies provided critical support during their darkest times. Derek, a client of a financial advisor for five years, was able to claim on his critical illness and private medical cover. Last year, with only three months to live, Derek's life insurance and terminal illness cover were paid out early, alleviating financial stress and enabling the family to focus on starting a gift shop business. The story emphasizes the importance of insurance in times of crisis.

Takeaways

• 😢 Derek, a 39-year-old from South Africa, moved to New Zealand and has three daughters aged 23, 11, and 14.
• 💔 Chrisa, Derek's wife, was diagnosed with a rare cancer about two years ago, which deeply affected their lives.
• 📋 The couple had various insurance policies that they were able to utilize to cope with the medical expenses and challenges.
• 🏥 Derek's critical illness and private medical cover were claimed to receive the best care possible.
• 📉 The family faced another blow when Derek was given a terminal diagnosis with only three months to live, and the cancer had spread.
• 💼 Derek has been a client of the speaker for five years, and the speaker assisted with insurance claims during these difficult times.
• 💰 The insurance claims, including life insurance and terminal illness cover, provided financial relief and allowed the family to focus on Derek's care.
• 🏠 Chrisa had to quit her job to provide personal care for Derek, highlighting the impact of the illness on their family life.
• 🛍️ The financial support from insurance claims is helping the family to start a gift shop business.
• 🕊️ Despite the emotional toll, the family is trying to continue life as normally as possible, thanks to the financial security provided by insurance.
• 📝 The script emphasizes the importance of having insurance to alleviate stress and financial concerns during serious health crises.

Q & A

Who is Derek and what is his age?

Derek is a 39-year-old man from South Africa who moved to New Zealand about 5 years ago.

How many daughters does Derek have and what are their ages?

Derek has three daughters; one is 23 years old, another is 11, and the third one is 14.

What is Chrisa's relationship to Derek and how long have they been together?

Chrisa is Derek's wife, and they have been together for over 14 years.

What medical condition did Chrisa receive a diagnosis for about 2 years ago?

Chrisa was diagnosed with a rare form of cancer about 2 years ago.

What was the impact of Chrisa's diagnosis on their lives?

The diagnosis made it feel like their whole lives together were taken away and everything was dark.

What action did Chrisa take to help them financially after her diagnosis?

Chrisa sorted out their insurance policies, including drama cover, to help them during this difficult time.

Who is the person speaking in the second part of the transcript and what is their role?

The person speaking is an insurance agent who has been Derek's client for 5 years and helped him with his insurance claims.

What insurance policies did Derek claim after his cancer diagnosis?

Derek claimed on his critical illness and private medical cover, which provided him with the best care.

How did the insurance policies impact Derek and his family during his terminal illness?

The insurance policies, including life insurance and terminal illness cover, provided financial support, relieving the family of financial concerns and allowing them to focus on Derek's care.

Why did Chrisa have to quit her job after Derek's diagnosis?

Chrisa had to quit her job to provide personal care for Derek, as he needed constant attention and could not be left alone.

What business are Derek and Chrisa starting with the financial support from the insurance policies?

They are starting a gift shop business with the financial support from the insurance policies.

What advice does Derek give about insurance in the context of his experience?

Derek advises that one should have insurance because anything can happen, and it's essential to be prepared for unexpected events.