Prepare for the worst or prepare to fail

05 July 2018FMI

Critical illness or disability can strike at any time. The 2015 FMI Claims Stats Report, indicates that 7/10 people will have at least one disability in their lifetime. Still, most South Africans are seriously unprepared for such an event.

According to the Association for Savings and Investment South Africa (ASISA), South African income earners are underinsured for death and disability by a shocking R28.8 trillion. This lack of adequate cover could have serious repercussions for the livelihood of millions.

At FMI, we protect people’s plans and dreams by providing an income when they are unable to work because of illness, injury or death. It’s listening to people’s real-life stories that inspire us and help us to continually improve our products and to develop new ones to meet individual needs.

Carolyn Hurwitz

One such story is that of Carolyn Hurwitz. Caroline is a financial advisor who has been living with Multiple Sclerosis (MS) for over 20 years. She never knows when her next attack may occur or which part of the body it will affect. She has overcome many attacks from the illness and has managed to bounce back each time. Her FMI policy, which she’s had since 1997, takes care of her finances when she is too ill to work.

Caroline is available to discuss how critical life insurance has been in protecting her, and her family’s, financial wellbeing. For more information, watch her incredible story at FMI’s #21Lives campaign.

Marcelle Jacobs

One such story is that of Marcelle Jacobs. At the age of 23, Marcelle started her dream business and opened her own hair salon. She wanted to protect herself in the event of an injury or illness and signed up for an FMI Income protection policy. Within days of her cover being accepted, prior to paying her first premium, she was involved in a serious car accident and lost both her legs. Unfortunately, she has not been able to work since, but her policy will pay her a monthly income until she turns 70.

Marcelle is available to discuss how critical life insurance has been in protecting her, and her family’s, financial wellbeing. For more information, watch her incredible story at FMI’s #21Lives campaign.

Braam Kritzinger

One such story is that of Braam Kritzinger. Braam own a Toyota dealership, which employs 47 people. In 2014 he was diagnosed with Peripheral Neuropathy, a nervous system disease which affects the hands and the feet. He lives in constant pain and hasn’t worn shoes in 3 years. However, thanks to the cover he has with HMI he is able to take time off work and focus on his health, without jeopardising his business and the livelihoods of his employees.

Braam is available to discuss how critical life insurance has been in protecting his, and his family’s, financial wellbeing. For more information, watch his incredible story at FMI’s #21Lives campaign.

Pedro and Beryl Carvalho

One such story is that of Pedro and Beryl Carvalho. Husband and wife, Pedro and Beryl Carvalho, make a formidable team. They are 2 of only 13 ocularists in the country, which is a very specialised field of manufacturing and fitting of artificial eyes. In 2002, Beryl slipped and fell through a shop window, which to tore the ligament in her thumb. A short while, Pedro was involved in a serious car accident. These injuries left both incapable of working for a long period of time. This placed their flourishing business at risk. Luckily, with the help of their FMI policies, they were able to overcome their injuries to continue with their amazing work that allows people to hope and dream again.

Pedro and Beryl are available to discuss how critical life insurance has been in protecting their financial wellbeing. For more information, watch their incredible story at FMI’s #21Lives campaign.

Werner van Zweel

One such story is that of Werner van Zweel. Werner was a small business owner and passionate musician living in Gauteng before being diagnosed with the physically debilitating and degenerative Motor Neuron Disease. Two years earlier, he had taken out his first income protection policy from FMI. The monthly income he receives from this policy allows him to focus on his health and provides peace of mind on all financial matters.

Werner is available to discuss how critical life insurance has been in protecting his financial wellbeing. For more information, watch his incredible story at FMI’s #21Lives campaign.

Cornelia Welsch

One such story is that of Cornelia Welsch. Fondly known as Tannie Connie, she is a vivacious and hard-working lady with a warm personality. She is a successful business owner and has been a FMI policy holder for 20 years. The most important thing in her life is to be able to support her family, and she has peace of mind that if something should happen to her, she will be able to continue to provide for her family.

Cornelia is available to discuss what peace of mind a life insurance policy has given her. For more information, watch her incredible story at FMI’s #21Lives campaign.

Alby van der Walt

One such story is that of Alby van der Walt. Alby has an unusual occupation. As a farrier, he makes, fits and maintains horse shoes. It can be easy to assume that his job is both physically demanding and dangerous. Since 2000 he has had 4 incidents which has left him unable to go to work for 268 days and endangered his ability to care for his two children. Luckily for Alby, the steady monthly income from his FMI policy has enabled him to continue to care for his family during that time.

Alby is available to discuss how critical life insurance has been in protecting his, and his family’s, financial wellbeing. For more information, watch his incredible story at FMI’s #21Lives campaign.

Pat Koliasnikoff

One such story is that of Pat Koliasnikoff. Pat is a self-employed aromatherapist who has been working for nearly 50 years. She took out her FMI policy back in 1999, which has helped her provide for her children and pay her bills when she was unable to work.

Pat is available to discuss how critical life insurance has been in protecting her, and her family’s, financial wellbeing. For more information, watch her incredible story at FMI’s #21Lives campaign.

Denise Williams

One such story is that of Denise Williams. Denise is a business owner and company director. 2016 started off on a high for Denise with the news of her daughter’s miracle pregnancy, 2 overseas holidays, her 60th birthday celebration and the long awaited birth of her first granddaughter in August of that year.

However, in the same week, she received the earth-shattering news that she had breast cancer. Her FMI income enabled her to keep her business going and focus on battling this dreaded disease. Denise is available to discuss how critical life insurance has been in protecting her, and her family’s, financial wellbeing. For more information, watch her incredible story at FMI’s #21Livescampaign.

Damian Souchen

One such story is that of Damian Souchen. Damian took the brave move of starting his own plumbing business at the tender age of just 22. As a start-up company, he had to do most of the manual labour himself. This placed him, and his business, in jeopardy, should he be side-lined for long periods of time. This is exactly what happened while practicing for a motorcross competition. He was unable to work for a staggering 244 days. However, his policy enabled him to employ 2 people to keep his company going.

Damian is available to discuss how critical life insurance has been in protecting his financial wellbeing. For more information, watch his incredible story at FMI’s #21Lives campaign.

Yvonne Ritter

One such story is that of Yvonne Ritter. As a hairstylist, Yvonne needs her hands to make a living. Unfortunately, because of excessive use, she developed carpel tunnel syndrome, and coupled with various accidents, left her unable to work for a total 550 days, endangering her ability to make a living. Luckily, her FMI policy not only helped her to pay for the medical costs, but it also provided a steady income while recovering.

Yvonne is available to discuss how critical having life insurance has been in protecting her, and her family’s, financial wellbeing. For more information, watch her incredible story at FMI’s #21Livescampaign.

Johan Schoeman

One such story is that of Johan Schoeman. A self-employed financial advisor, nothing holds Johan back, including his 70 years of age. In fact, his age is what drives him to experience more and to try new things. He believes if it wasn’t for his income protection, he would be bankrupt today. Johan is available to discuss how critical life insurance has been in protecting his, and his family’s, financial wellbeing. For more information, watch his incredible story at FMI’s #21Lives campaign.

Daniela Leigh

One such story is that of Daniela Leigh. She is a true inspiration as she soldiers on while living with rheumatoid arthritis and Lupus, working and achieving more than ever – in her industry and as a motivational speaker.

Daniela is available to discuss how critical life insurance has been in protecting her, and her family’s, financial wellbeing. For more information, watch her incredible story at FMI’s #21Livescampaign.

Warren Bonn

One such story is that of Warren Bonn. Waren, a 28 year of IT specialist, was diagnosed with a very rare condition called arteriovenous malformation (AVM), which is a tangle of blood vessels in the brain or on its surface bypasses normal brain tissue and directly diverts blood from the arteries to the veins. His tongue became so swollen that he couldn’t speak.

Over 2 years he consulted 72 doctors, specialist and surgeons, all giving the same terrifying diagnosis. However, at a substantial cost, he travelled to New York and got the best news in his life, he could be treated and keep his tongue. In April 2017 he went for the first of six procedures, costing $50,000 each. If it wasn’t for his FMI policy, he would have been financially ruined.

Warren is available to discuss how critical life insurance has been in protecting his financial wellbeing. For more information, watch his incredible story at FMI’s #21Lives campaign.

Anna-Marie Coetzee

One such story is that of Anna-Marie Coetzee. She was a successful computer programmer and the main breadwinner for her family of 5 until a simple gall bladder operation in 2013 led to a series of critical health complications. Since 2002, she has been unable to work for a staggering 978 days. Without the help of her FMI policy, her family’s financial wellbeing would have been in jeopardy. Anna-Marie is available to discuss how critical life insurance has been in protecting her, and her family’s, financial wellbeing. For more information, watch her incredible story at FMI’s #21Lives campaign.

Allan Swanepoel

One such story is that of Allan Swanepoel. More than 15 years ago, Allan started Suntropica Farms. From its humble beginning, he managed to grow the farm into one of the major culinary herb suppliers in South Africa.

However, because of this strenuous work, he has had to undergo several surgeries over the years, leaving him unable to work. During these periods of recuperation, he had the peace of mind that he was covered, which ensured his business kept going and his employees’ jobs remained secure. Allan is available to discuss how critical life insurance has been in protecting his, and his family’s, financial wellbeing. For more information, watch his incredible story at FMI’s #21Livescampaign.

Marlene Beukes

One such story is that of Marlene Beukes. As a single mother, Marlene started her own business back in 1983, as a way to provide for her family. However, over the years she has been plagued by consistent back problems, leaving her unable to work for long periods of time. Luckily her FMI policy gave her a steady income during that time, which enabled her to provide for her family. Marlene is available to discuss how critical life insurance has been in protecting her, and her family’s, financial wellbeing. For more information, watch her incredible story at FMI’s #21Lives campaign.

Andre Cronje

One such story is that of Andre Cronje. Andre is a successful financial advisor and business owner. He has a wealth of experience and has long been an advocate for income protection. He experienced the benefits first hand when he had to undergo a serious surgery, which side-lined him for two weeks. During that time his FMI policy provided a steady income.

Andre is available to discuss how critical life insurance has been in protecting his, and his family’s, financial wellbeing. For more information, watch his incredible story at FMI’s #21Lives campaign.

Monde Simbosini

One such story is that of Monde Simbosini. Growing up in rural South Africa, Monde is a true success story. Through hard work and dedication and financial support from FMI, he graduated from the University of Cape Town in 2014 with a BCOM Actuarial Sciences. He currently works as an Actuarial Specialist for FMI.

He has been a strong advocate for income protection. Monde is available to discuss his inspiring live journey and talk about the importance of income protection. For more information, watch his incredible story at FMI’s #21Lives campaign.

https://www.fanews.co.za/article/life-insurance/9/dread-disease-and-or-disability-critical-ilness/1085/prepare-for-the-worst-or-prepare-to-fail/24888