Medical Professional Claim
I worked as a dentist for 41 years in the Newcastle area. I have been a client of AFRM for over 20 years, since its inception.
I have always had personal income protection, business overhead and personal life insurance cover with AFRM all that time. I have always had annual reviews with them.
At age 60, I wasn’t certain of how much longer I may continue to work. I was prepared to work beyond 65 and maybe up to 70 years of age.
AFRM advised me to change my current Income Protection policy to one that better suited my needs. Which I did. My accountant was also suitably impressed.
Along with my accountant we assessed and reviewed my new policy with AFRM every year and continued with it.
Then, out of the blue overnight, I developed serious eye issues. At the age of 64, I was suddenly prevented from practicing dentistry.
I contacted AFRM after the eye specialist informed me of my future and the fact that I probably wouldn’t practice again. I had to medically retire.
AFRM took the worry out of handling the pending claim. They had a real sense of care and understanding.
I have now been on claim for over 12 months and with AFRM’s assistance, advice and cooperation, the process of actually being on claim has gone very smoothly.
From my experience, I would thoroughly recommend every professional to stay covered, review your policies annually as you don’t know what’s around the corner. It took me 40 years to have one serious claim and when I did, thanks to AFRM, I had the correct cover for my needs in place. They have all the technical expertise at their finger tips and give expert advice.
I am very appreciative of all the efforts of Nick Hatherly, Philip Young before him, Amanda Anstess and the rest of the Newcastle staff in the past and those still working with me now.