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Insurance - it's so worth it!

Recently, my 41yo male client suffered a heart attack. Thankfully, he made it to hospital for life-saving surgery and is now making a speedy recovery.
Apart from the fact that he is only 41years of age, the really surprising thing is that he has always been fit and healthy (he regularly runs 5km purely for fitness and enjoyment) and is probably the last person I would have suspected as a candidate for a heart attack.
But, it just goes to show that we never know what might be lurking around the corner.
And that's where Life/TPD/Trauma and Income Protection insurance really shows it's value.
My client has recently received a payment from Macquarie Life for just over $54,000 of insurance benefits from the policies that we put in place a couple of years ago.  Even though he has returned to work on flexible hours whilst continuing his recovery, the insurance benefits will certainly ease any potential financial stress that he and his family may otherwise have experienced.
He is planning to use the money to assist with his ongoing medical costs, further medical tests and medications, and also to put towards the mortgage so that he doesn't have to worry about his reduced office hours for the time being.  He can take the time he needs to ensure he can optimize his recovery.
I'd say that makes his insurance totally worth it!
So the question for you all is this...what does your insurance plan look like?  Are you sure you're covered?

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