From Claims Experience to Client Protection: A New Insurance Expert Joins the Team

When life throws its worst at you, what financial safety net do you have? Rebecca Watts, our newly appointed risk insurance specialist, joins the podcast to share powerful insights gained from five years as an insurance advisor and her extensive experience handling claims.

The conversation explores the harsh reality many families face when serious illness or death strikes without proper financial protection. Rebecca shares a compelling story about a couple who both received trauma payouts while raising three young children—the wife's payout enabled them to purchase a home for stability during treatment, while the husband's covered critical medical treatments not funded by the public system. Without this insurance, they likely would have faced homelessness and devastating medical outcomes.

Beyond the typical life insurance discussion, Rebecca unpacks lesser-known but crucial protections like trauma coverage (critical conditions), total permanent disability insurance, and the vital difference between income and mortgage protection. A particularly valuable revelation: "mortgage protection" can actually cover rent payments too, despite its name suggesting otherwise.

The discussion tackles the deeply ingrained "she'll be right" attitude many Kiwis maintain toward financial protection, and why relying on crowdfunding platforms like Give a Little amounts to gambling with your family's future. Rebecca emphasizes that different insurers offer varying policy wording and coverage details—meaning the cheapest option isn't always best, particularly if the fine print excludes conditions you might need to claim for.

Rebecca brings a personal touch to her advisory role, motivated by seeing firsthand how proper insurance protection transforms outcomes during life's most challenging moments. Whether you're a homeowner, renter, parent, or self-employed, this episode delivers crucial knowledge about protecting what matters most. Reach out for a no-pressure chat about creating a safety net that fits your unique circumstances and budget.

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