Happy April to you all!

Can you believe nearly half of the year has gone by?

For me with young children, I am amazed at how quickly time flies and that Term 1 has ended and it is school holiday time again.

I’ve just read an article from one of our Insurers that once again reinforces how important Trauma insurance is and what a difference it can make so I wanted to share it with you all.

Attached is the article (from the Herald Sun), where a 25 year old man who had cancer was told he only had weeks to live.

However because of a special drug that he was prescribed, he is now in complete remission.

The drug cost was $6,000 per treatment and this highlights how Trauma insurance can help fund this cost without the added stress of you and your family having to raise money to afford the expensive cost of cancer drugs which are not covered by the PBS.

A lot of you already have Trauma insurance in place and that is fantastic however have you considered asking your family, friends whether they have this cover?

Sometimes we find it hard to talk about ‘life insurances’ and medical issues with our loved ones due to fear of sounding ‘silly’ and being ridiculed.

But wouldn’t it be far more fearful if someone we know (and cared about) discovered they had a critical illness that was covered under Trauma Insurance and they never knew this insurance existed?

I am reminded everyday by the media, news of tragedies that befall people and I always think of the family that survived them and hope that they be ok.

Having Trauma insurance is not only for us but also for our family because they will be impacted emotionally if we fall ill.

So if we can ease their burden financially by having the right trauma cover in place, would this not be worthwhile?

As always, I hope you find this information useful. Please share it with your family, friends, colleagues.

Please take the time to read the below article by clicking the link below:
Cancer Miracle – Expensive drug results in remission

Happy Vietnamese/Chinese New Year to you all – the year of the Rooster!

We hope you all have had a fantastic start to 2017 and welcome to February!

As we all get back into the swing of ‘working’ and ‘back to school’ (for those with young kids) lives, can I ask that you also start to ‘get into the swing’ of looking and reviewing your current life risk insurances.

Once an insurance is implemented, we can become complacent and neglectful of what we have in place and let it ‘renew’ when the renewal comes around, without actually looking at what we have, and what we do not have.

Of course JKSN Financial Services’ job as your adviser, is to remind you at time of your renewal to do this, however we need you to be pro-active in coming back to us with responses!

Reviewing your policy can allow you to consider the following points:

•    Are my policies in line with my needs?
•    I am now working again so do I need Income Protection (IP) insurances?
•    Are my policies linked or stand alone?
•    My income has increased – is my monthly benefit under my IP policy in line with that increase?
•    I have life and or TPD insurances under my super fund; should I review it to see if premium can be saved?

By meeting up with your adviser, the discussion of those above points can come up to fruition and ensure you have the appropriate cover/s and sums insured that is tailored to your current situation and needs.

So this year, please make the effort to meet up with your adviser at renewal time – whether via phone or in person, and have them assist you with all your insurance needs.

As JKSN Financial Services valued client, there is no added cost to have a review meeting and the result may not only save you in premium, but also allow you to understand the insurances you have in place and what is appropriate for you individually, and as a whole.

As always, we hope you find this information useful. Please share it with your family, friends, colleagues.

What a year 2016 has been.

On reflection we have seen a shift in politics within the United Kingdom Via Brexit.

We have seen Donald Trump win the US Election – astounding!

We have seen a great many loss within the showbiz industry – Stars such as Prince, the Great Muhammed Ali, David Bowie all leaving this world.

JKSN Financial Services have also seen a slow but defining change within the Life Risk Insurance industry and more importantly, a growth in lives protected via our services.

It is with the support of our great clients, referral partners and our dedication to the protecting and improving the lives of our clients, that this has been made possible.

While you ponder and reflect on the year that has passed and what holds for you and your loved ones in the coming years, let me ask you to ponder on something that should be of more importance to you, and to your family….your health!

A recent report from the Australian Health Institute states that Australians have one of the highest life expectancies in the world, and that the rate of heart attacks and death from cardiovascular disease have improved.

But does this mean we are all healthy?

It would be great if we could see into the future and know what will happen to us physically and mentally and prevent it from happening now.

But we don’t have a crystal ball and the only thing we do know, is that the sooner we treat the issue the sooner it is dealt with.

A health plan is a great place to start and one part of a health plan is to insure yourself for Trauma Insurance that so that if we cannot treat the issue at hand, we can ensure that our family and friends affected can be.

Please click the link here to read the article as it’s a great learning tool to understanding, looking and protecting our health.

And please if you do not have a health insurance plan in place, contact our office!

JKSN Financial Services can help you and your family put together a life insurance package that is catered to your health and wellbeing and will give you peace of mind.

As always, we hope you find this information useful. Please share it with your family, friends, colleagues.

JKSN Financial Services look forward to 2017 and hope to assist, protect and add value to all your lives further!

Merry Christmas and Best Wishes to you for 2017.

In this week’s News, I am going to refer to an email I’ve just received from Clearview insurer which talks about stroke and what you can insure to alleviate the financial and emotional stress that comes with this illness.

‘We are going to look at another resent article that was in the paper. It’s about the cricket journalist, Jesse Hogan, who was struck down in his prime at age 34 with a massive stroke.
The good news is, he is slowly recovering and is gradually learning to speak again. Yet, as we all know, it’s a very long road ahead once a massive stroke strikes.
Sadly one in six Australians will have a stroke in their lifetime. This terrible disease impacts men and women of all ages, right across the community.
Would you believe that around 30 per cent of Australia’s 420,000 stroke survivors are of working age? Unfortunately, according to the Stroke foundation, the rates of stroke in young people are on the increase due to largely poor control of lifestyle factors such as diet, smoking and stress for that matter.

Please take the time to read the below article clicking the link below:

What is A Stroke?
Stroke is the interruption of blood to the brain which is due to the blockage of a blood vessel in the brain or rupture of a blood vessel, causing bleeding in the brain or into the space surrounding the brain.
The most common type of stroke is referred to an ischaemic which is caused by a blood clot blocking an artery or blood vessel. The brain cells in the immediate area die and those in the surrounding areas are affected by the reduced blood flow. Once brain cells die, their functions die with them.

Stroke Facts:
• Stroke is one of Australia’s biggest killers and a leading cause of disability
• 1 in 6 people will have a stroke in their lifetime
• In 2015 there will be more than 50,000 new and recurrent strokes – that is 1000 strokes every week or one stroke every 10 minutes
• In 2015 there will be almost 440,000 people living with the effects of stroke. This is predicted to increase to 709,000 in 2032
• Stroke kills more women than breast cancer and more men than prostate cancer
• 65% of those living with stroke also suffer a disability that impedes their ability to carry out daily living activities unassisted
•The estimate of $49.3 billion in burden of disease costs for stroke is comparable to the $41 billion burden of disease costs that Deloitte Access Economics estimated for anxiety and depression in 2010.

ischaemic diagram_0

How can ‘JKSN Financial Services’ help protect you and your loved ones from this?

• We can help you implement the right covers such as:

• Trauma covers for Stroke – remember all reinstatements are built in for, and we reinstate after a partial claim has been paid also.

• Income Protection is there to ensure the client can take time off work to focus on their health. We have full benefit period to age 70 with no reductions. Once again, we would like to remind you of the Lump Sum TPD option within IP, as this is especially powerful for this disease. There is a limitation for this to be paid out that the client needs to live longer than 12 months. With Stroke life expectancy could be cut short, the client could be substantially better off financially exercising this option. With the Lump Sum Option, this means the client’s family could potentially get many more years of income payments as opposed to their income stream stopping, should death occur well prior to 65 or 70 years of age.

Some Insurer even offers what is called a Life Conversion. Severe Stroke qualifies for this option, whereby the client can elect to cash in up to 30% of the Life Insurance policy, regardless of whether or not they have trauma. This is built into our term life outside of super only and this money could be used for impacted people to make the most of the time they have. They may have taken a policy out 20 years ago, paid off the mortgage, be debt free and as they’ve maintained their policies, might just want some “play money” to achieve the things they want to achieve. It’s an included benefit, and just an option if the client ever wants to exercise it.

As always, we hope you find this information of use. Please share it it with your family, friends, colleagues.