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‘ch…ch…ch…ch…changes’ – as the song says

They grow up so fast!  I visited a few clients recently who have been with me for a decade or so.  Some, when I first met them, had kids that were school age.  Now we are giving the kids their first policies as they head off to their first jobs, university, or overseas.   Several clients started with me as young fellas a similar age to me, single, renting, and working.  Now we’re all married house owners with kids.  Some have moved to their second or third houses, and at our age, the mortgages seem to be getting bigger, rather than smaller.  And it got me to thinking.  Some businesses are highly transactional, such as real estate or car sales.  At WealthDesign we are a relationship business – we actually care about being a helpful and valuable part of our clients’ lives.  

Change is one constant in all of our lives.  There is a valuable feature hidden in your policy which is all about helping at times of change – the ‘special events increase’.  Having a baby, buying a house, getting married and several other changes count as a ‘special event’ which means you can increase your life insurance with no medical questions.  For some this is a convenient and efficient way of changing their policy, but for others this is a great way of getting more cover without telling the insurer about that operation you had recently, or your current height/weight, or the little pills you’re now taking every day!   Some terms and conditions apply, but it’s worth looking into.

Insurance is not a set-and-forget product – it needs to change as your needs change.  And they will keep changing until you die.   If we haven’t seen each other for a while, or you’ve had a change in your life circumstances, please call us.  We’d love to catch up –  we’re here to help.


Regan Thomas
WealthDesign – a life well planned