Nothing Will Happen To Me

Friday, 04 September 2015 20:44 Written by  Published in Money Read 994 times
I have heard from many people from all walks of life, in many different situations the phrase “Nothing will happen to me”. 

I have driven the same car for 5 years and never had a flat tire; and when I see a car on the side of the 401 with a flat or blown out tire I empathize with the driver but never ever think that can or will happen to me. Does that mean I will ever ditch my spare tire? Absolutely not!!!

In my line of work I don’t believe in fear mongering, in fact as a sales professional I believe strongly that if I have to convince a client to buy then I shouldn’t be selling them anything. I recommend insurance products based on need, it’s that simple.

I speak to a lot of people every day about the risks they face, some of the people I speak to include friends, family members, prospects and existing clients, and I urge them to invest in lifestyle protection, even if they don’t do business with me.

A little over a year ago I met with a general contractor who just wanted to obtain commercial general liability insurance (which one of his clients required him to have), and I said to him you should seriously consider disability income protection; and he said “I have WSIB and furthermore nothing will happen to me.”

I suffered from the same “Nothing will happen to me” syndrome because at the time I spoke to this client I had no disability income protection in place; and I work in a sales role where the risk of getting injured is next to zero right? Wrong! One of my colleagues said “Karl you drive over 20,000 kms per year and all it takes is one car accident and you won’t be going on any sales appointments let alone earning a dime.” Suffice to say I purchased my disability insurance shortly after that conversation.

Sadly I got a call from the wife of my client who thought nothing would happen to him to inquire if he had disability insurance because he recently lost three fingers operating a table saw. This news was as devastating to me as it was to everyone who has been directly affected by this tragedy.

Many accidents happen off the job, meaning WSIB will not pay a dime for off the job injuries, and for on the job injuries, I am told by a Paralegal who specializes in WSIB claims that if getting a claim settled was easy, nobody would need her services.

Overcome the “Nothing will happen to me” syndrome and protect your lifestyle with Disability Income Protection; your income is the source of all you own and is therefore your most valuable asset.

Be prepared just in case - You can do it, I can help.

Last modified on Wednesday, 18 November 2015 12:34
Karl Marshall

Insurance and financial services professional with over 20 years experience.

I specialize in helping business owners and self employed professionals protect their business, families and income with the wonder of life, health, disability, critical illness, property and auto insurance, and investments.

I pride myself in helping my clients protect their assets and develop wealth, and most importantly; I love helping them protect the most important asset that is often overlooked - Themselves.

Many business owners tend to overlook that they are in fact the heart and soul of their business, or in many cases, they are the business, and if anything happens to them, their business and families can be devastated financially.

Let me protect what's really important so that you can focus on growing your business.

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