Filing a life insurance claim is simpler than most people expect, but the documents required to trigger it can cause costly delays if you are unprepared. This session also exposes why group employer benefits are not a reliable safety net and walks through the sections of the preparedness document covering serious illness, power of attorney, and legacy letters.

Key Moments in This Session

The life insurance claims process: why the death certificate is the single biggest cause of payment delays, why you should request multiple certified copies immediately, and why life insurance adjusters are actually advocates for paying claims, not denying them.
The policy fraud exception: how a key employee who lied on a health application had his employer’s claim denied within 18 months, and why misrepresentation on an application is the only legitimate basis for denial.
Group benefit plans explained: why employees do not own their group plan, why coverage can change or disappear without notice, and why a needs assessment should exclude group benefits entirely when planning for a family’s real protection needs.
Darcy’s brother in a coma: how a month and a half without a will, power of attorney, or accessible passwords left bills three months in arrears and the family scrambling, and how a preparedness document would have prevented it.
Liz’s mother and Alzheimer’s diagnosis: how her mother’s short-term memory was nearly gone before a formal diagnosis arrived, and why these conversations and documents must be completed long before a health crisis makes them impossible.
The continuity document as the hub: why this physical printed guide acts as the centre of the wheel that points family members, advisers, lawyers, and executors to every other critical document and contact they will need.

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