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BROKER HERO: JOANNA STREAMES

By 17th February 2022February 22nd, 2022Blog, Broker Hero

Our next broker hero showcase is Joanna Streames, from Velvet Mortgage and Insure Services.

Joanna’s Hero Case Study

In the past I haven’t spoken to my friends and family about protection, as I didn’t want to feel like I was selling to them. A couple of years ago I had an unsettling dream about the consequences of not speaking to someone about critical illness. After this I decided I’d rather have the rejection than the guilt if something happened to those I care about, and I hadn’t educated them or set a policy up to protect them.

When my sister had her baby this encouraged me to speak to her about protection, particularly as she was a 41 year old smoker and our mother had died at that age. She and her husband were at a higher risk being older parents and smokers; that was the painful truth unfortunately. My brother-in-law is also the only breadwinner. At first, she was offended. I explained the risks and that we had lived through this ourselves. I was persistent with her and in March 2021 she finally took out cover, which included a joint life policy (also covering global treatment) and a British Friendly income protection policy for her husband. My sister didn’t take any critical illness cover, so I purposely selected British Friendly so it would give a small income for their family, if her husband needed to become a carer for either my sister or my nephew.

On my daughter’s 18th birthday I received a call from my brother-in-law; I thought he was ringing to wish her a happy birthday. Sadly this wasn’t the case. He was ringing to say that my sister had had a big stroke. This was a huge shock and a scary time for us all. Unfortunately my sister’s vocal cords have been damaged and she now needs to use a frame inside and a wheelchair outside; her little boy isn’t even two yet.

A few days after the stroke happened my sister’s focus was back, although the physical elements weren’t. She started messaging me worrying about money, so it was a relief when I could confirm that British Friendly would pay-out on her claim. The policy gives £500 a month carer’s support and she recently received a back payment of £1,625. In addition, they are trying to make arrangements for my sister’s mother-in-law to stay with her for a couple of days a week enabling her husband to work for those days on top of the monthly benefit.

This money has made a huge difference to their lives, particularly as they live in rented accommodation. In fact, this money came through before the extra government support did. The policy pay-out and the extra potential support it can give is life-changing and a massive relief during a very difficult time. It’s been a heart-wrenching time for all the family, but I’m relieved that I persisted in my aim to protect my loved ones.

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