Fact of Fiction? Insurance companies do not want to pay claims.

In this powerful case study presented by AFRM Claims Manager, Samantha Conlon, we challenge the myth that insurers avoid paying claims. When policies are well-structured and definitions are met, claims get paid.

Our client was suffering from alcohol use disorder, which is a tricky case and not a typical condition in insurance. Despite years out of the workforce and extensive rehab, her retail income protection policy had no exclusions for alcohol use.

We successfully secured four years of backdated payments, proving the value of expert advice and strong contracts. This story highlights why firstly, tailored cover matters and secondly, how the right support can change lives.