Discover how disability insurance and financial advice helped Frank and Anya

Frank was keen to retire as soon as he turned 65 and so was I. He worked full time while I worked part time so I could help with our grandchildren. Frank’s worked long hours so we were looking forward to taking time out to have some fun!

When we first met Cheryl, she saw how dependent we were on Frank’s income so she advised us to take out personal insurance. We are so glad we did. A year later, Frank suffered a severe heart attack. It was such an awful time but he pulled through. Our insurance meant he could take a few months off work to recover.

Cheryl was worth her weight in gold, quite literally holding my hand and making sure our claim was submitted correctly and we got the income we needed. Frank had always taken care of our paperwork but I didn’t want to worry him so Cheryl stepped in to guide me.

Frank wanted to go back to work for a few more years but he really wasn’t up to it so Cheryl suggested a transition to retirement strategy, cutting back work to three days a week.

Another thing Cheryl suggested was to sell the family home as it was too much work for us. We bought into an over-55s retirement village and the sale gave us additional money we put into superannuation, as Cheryl worked out that was the most tax effective option for us. I really don’t know what we would do without her – she just takes care of everything!

September 07, 2015

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