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Too many tangi to ignore
Let us introduce you to Carli Te Hira. She has been to too many tangi where grieving relatives had funeral and other costs to deal with because their loved ones passed away without any life insurance.
Situation: Carli found peace of mind by sorting out life insurance for herself – and is now telling her kids to think about it.
Carli got AA Life Cover because she was nearing 40, had just become a grandmother for the first time, and started thinking about mortality.
“When you get into your 30s you start really thinking about these things. You sort of don’t worry about them in your 20s.
“I’ve been to a lot of tangi, of course, because I’m Maori, and there are so many families out there that don’t have insurance. And you see the struggle. I just don’t want my kids to go through that.”
Carli has seen first-hand the financial stress that unexpected deaths place on people who may not have a lot of money to begin with. When her husband’s parents passed away, the question of who was going to pay caused real problems.
“At a time when you should be mourning, everyone is fighting or arguing about the money side of it – not everybody’s rich you know.
“We’ve got family members that are dying so young as well. Not many family members have gone past 60. My mum has leukaemia and she’s only 55. She never thought in a thousand years that she would get leukaemia.
“So I just want to get my affairs in order and make sure that my family is taken care of.
“At the end of the day if you have your life insurance, everything’s covered and you don’t have to worry about it. And I feel the policy that I’ve got is so self-explanatory, it’s really good, and there are no little bits that you can’t read at the bottom.
“When I got my policy, I know it sounds weird, but I just thought, ‘Yes, all your affairs are in order now’. You know when people say, ‘Oh, it’s peace of mind” and you go, ‘Yeah, yeah, yeah” – but honestly it is like peace of mind. I just felt good about it. I felt like I’m doing the right thing, you know?
She chose AA Life partly because she had had car insurance with AA Insurance and she is an AA Member so she got a discount on her Life Cover premium. Plus she found the application process incredibly easy.
“I put an email enquiry through and a guy rang me back straight away and asked me a few questions. Then he goes, ‘Yeah, you’ve been accepted, we’ll send you out the policy’. And the cool thing is that I had 30 days to check it, a ‘free look’ period. It wasn’t a pushy thing, like, ‘You have to do this’ and ‘You have to do that’.
Now Carli is telling her grown-up children to think about life insurance – but have a look around first.
“I’ve said, ‘Shop around, you know, shop around, get the deal that suits you and that you feel comfortable with’. There are families that just don’t have insurance, and it just amazes me that they don’t, and they don’t teach their kids about it.”