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What if the outcome had been different?

Charlene is a 42-year-old, mum of two. She works part-time and her husband works full-time.

In the last year, Charlene found a lump in her breast which she had medically examined. Fortunately, after some investigations she was advised that it was benign.

However, the experience made Charlene and her husband really think and discuss their situation. What if the outcome had been different and she had been diagnosed with Breast Cancer?

Conversations started around the following scenarios:

  • Would Charlene have to stop working had she been diagnosed with cancer? Depending on what treatment(s) would have been required, would her husband have had to reduce his working hours to take care of her and their children?
  • Would the couple have been able to pay all of their current bills with one income or in the worst case no income? How would they have managed?
  • How much would they have needed to cut back on spending if they had less money coming in? What could they have managed without?
  • Could they have afforded to keep paying their mortgage? If they couldn’t afford the monthly payments, what would have happened to them?

They realised they had to make sure their young family would be financially looked after if something were to happen to either of them.

These questions led them to talk to a Protection expert about ways to protect their family if the unexpected was to happen. They received professional advice and decided to put some protection plans in place to protect them financially should the need arise.


What if the outcome had been different?

Harish Hirani

Harish Hirani

With over 20 years of experience in financial services, Harish is a successful lending and insurance specialist. He commands a solid team of insurance advisors in mortgage lending, commercial lending, health insurance, life insurance etc catering to individuals, families, and business owners with several assets

Date: Sep 08 2023
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