08/22/2026
$𝟯𝟬❟𝟬𝟬𝟬 𝗖𝗜 𝗖𝗟𝗔𝗜𝗠 𝗔𝗣𝗣𝗥𝗢𝗩𝗘𝗗 & 𝗣𝗔𝗜𝗗
𝗘𝘃𝗲𝗻 𝗼𝗻 𝗮 𝗣𝗼𝗹𝗶𝗰𝘆 𝗟𝗲𝘀𝘀 𝗧𝗵𝗮𝗻 𝟮 𝗬𝗲𝗮𝗿𝘀 𝗢𝗹𝗱! 💙
This claim is a powerful reminder of why 𝑪𝒓𝒊𝒕𝒊𝒄𝒂𝒍 𝑰𝒍𝒍𝒏𝒆𝒔𝒔 𝒊𝒏𝒔𝒖𝒓𝒂𝒏𝒄𝒆 𝒎𝒂𝒕𝒕𝒆𝒓𝒔 𝒂𝒏𝒅 𝒘𝒉𝒚 𝒉𝒂𝒗𝒊𝒏𝒈 𝒕𝒉𝒆 𝒓𝒊𝒈𝒉𝒕 𝒂𝒅𝒗𝒊𝒔𝒐𝒓 𝒃𝒆𝒔𝒊𝒅𝒆 𝒚𝒐𝒖 𝒅𝒖𝒓𝒊𝒏𝒈 𝒂 𝒄𝒍𝒂𝒊𝒎 𝒎𝒂𝒕𝒕𝒆𝒓𝒔 𝒕𝒐𝒐.
I’m grateful to share that my client’s $𝟑𝟎,𝟎𝟎𝟎 𝐂𝐀𝐃 𝐂𝐫𝐢𝐭𝐢𝐜𝐚𝐥 𝐈𝐥𝐥𝐧𝐞𝐬𝐬 𝐜𝐥𝐚𝐢𝐦 𝐰𝐢𝐭𝐡 𝐢𝐯𝐚𝐫𝐢 𝐂𝐚𝐧𝐚𝐝𝐚 𝐡𝐚𝐬 𝐛𝐞𝐞𝐧 𝐀𝐏𝐏𝐑𝐎𝐕𝐄𝐃 𝐚𝐧𝐝 𝐏𝐀𝐈𝐃. 🙏
What makes this claim particularly significant is that the policy was 𝐥𝐞𝐬𝐬 𝐭𝐡𝐚𝐧 𝐭𝐰𝐨 𝐲𝐞𝐚𝐫𝐬 𝐨𝐥𝐝.
This was 𝐧𝐨𝐭 𝐚 𝐭𝐲𝐩𝐢𝐜𝐚𝐥 𝐨𝐫 𝐬𝐭𝐫𝐚𝐢𝐠𝐡𝐭𝐟𝐨𝐫𝐰𝐚𝐫𝐝 𝐜𝐥𝐚𝐢𝐦.
There were some date discrepancies/typos related to the diagnosis that required further due diligence. The third-party review involved additional investigation and verification of medical information from the client’s previous countries of residency. Naturally, this added time to the processing.
As the advisor, I made it a priority to 𝐩𝐫𝐨𝐚𝐜𝐭𝐢𝐯𝐞𝐥𝐲 𝐰𝐨𝐫𝐤 𝐨𝐧 𝐭𝐡𝐞 𝐜𝐥𝐚𝐢𝐦 𝐚𝐧𝐝 𝐡𝐞𝐥𝐩 𝐦𝐨𝐯𝐞 𝐭𝐡𝐞 𝐩𝐫𝐨𝐜𝐞𝐬𝐬 𝐟𝐨𝐫𝐰𝐚𝐫𝐝 𝐚𝐬 𝐪𝐮𝐢𝐜𝐤𝐥𝐲 𝐚𝐬 𝐩𝐨𝐬𝐬𝐢𝐛𝐥𝐞, while ensuring the necessary requirements were addressed properly.
I’m also incredibly grateful for the client’s spouse, who remained 𝐩𝐚𝐭𝐢𝐞𝐧𝐭, 𝐫𝐞𝐬𝐩𝐨𝐧𝐬𝐢𝐯𝐞, 𝐚𝐧𝐝 𝐨𝐧 𝐭𝐨𝐩 𝐨𝐟 𝐭𝐡𝐞 𝐩𝐫𝐨𝐜𝐞𝐬𝐬 throughout this journey.
Since the client is still in recovery and was unable to personally attend to administrative matters even reading and responding to emails his spouse played an important role in helping coordinate the requirements and keep things moving.
Interestingly, the client also had other CI coverage from previous countries of residency. Despite the Canadian policy being less than two years old and requiring additional due diligence, the ivari CI claim was the first one to be approved and paid.
This is where I believe the advisor's role becomes especially important. A claim is not simply about submitting paperwork and waiting. When a client is seriously ill and unable to manage administrative requirements, having an advisor who proactively follows up, coordinates information, communicates with the parties involved, and keeps the process moving can make a meaningful difference.
💰 $𝟯𝟬❟𝟬𝟬𝟬 𝗖𝗔𝗗 — 𝗔𝗣𝗣𝗥𝗢𝗩𝗘𝗗 & 𝗣𝗔𝗜𝗗｡
This is exactly why I believe 𝐂𝐫𝐢𝐭𝐢𝐜𝐚𝐥 𝐈𝐥𝐥𝐧𝐞𝐬𝐬 𝐢𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞 𝐬𝐡𝐨𝐮𝐥𝐝 𝐛𝐞 𝐩𝐚𝐫𝐭 𝐨𝐟 𝐚 𝐰𝐞𝐥𝐥-𝐬𝐭𝐫𝐮𝐜𝐭𝐮𝐫𝐞𝐝 𝐩𝐫𝐨𝐭𝐞𝐜𝐭𝐢𝐨𝐧 𝐩𝐥𝐚𝐧.
We don't buy CI insurance because we expect to get sick.
We buy it because 𝒊𝒇 𝒍𝒊𝒇𝒆 𝒕𝒂𝒌𝒆𝒔 𝒂𝒏 𝒖𝒏𝒆𝒙𝒑𝒆𝒄𝒕𝒆𝒅 𝒕𝒖𝒓𝒏, 𝒘𝒆 𝒘𝒂𝒏𝒕 𝒇𝒊𝒏𝒂𝒏𝒄𝒊𝒂𝒍 𝒓𝒆𝒔𝒐𝒖𝒓𝒄𝒆𝒔 𝒂𝒗𝒂𝒊𝒍𝒂𝒃𝒍𝒆 𝒘𝒉𝒊𝒍𝒆 𝒘𝒆 𝒇𝒐𝒄𝒖𝒔 𝒐𝒏 𝒓𝒆𝒄𝒐𝒗𝒆𝒓𝒚.
And this is also why I always emphasize:
𝐈𝐭'𝐬 𝐧𝐨𝐭 𝐣𝐮𝐬𝐭 𝐚𝐛𝐨𝐮𝐭 𝐠𝐞𝐭𝐭𝐢𝐧𝐠 𝐚 𝐩𝐨𝐥𝐢𝐜𝐲.
𝐈𝐭'𝐬 𝐚𝐛𝐨𝐮𝐭 𝐡𝐚𝐯𝐢𝐧𝐠 𝐭𝐡𝐞 𝐫𝐢𝐠𝐡𝐭 𝐜𝐨𝐯𝐞𝐫𝐚𝐠𝐞.
𝐈𝐭'𝐬 𝐚𝐛𝐨𝐮𝐭 𝐮𝐧𝐝𝐞𝐫𝐬𝐭𝐚𝐧𝐝𝐢𝐧𝐠 𝐰𝐡𝐚𝐭 𝐲𝐨𝐮 𝐡𝐚𝐯𝐞.
𝐀𝐧𝐝 𝐢𝐭'𝐬 𝐚𝐛𝐨𝐮𝐭 𝐡𝐚𝐯𝐢𝐧𝐠 𝐚𝐧 𝐚𝐝𝐯𝐢𝐬𝐨𝐫 𝐰𝐡𝐨 𝐰𝐢𝐥𝐥 𝐛𝐞 𝐭𝐡𝐞𝐫𝐞 𝐭𝐨 𝐡𝐞𝐥𝐩 𝐲𝐨𝐮 𝐧𝐚𝐯𝐢𝐠𝐚𝐭𝐞 𝐭𝐡𝐞 𝐜𝐥𝐚𝐢𝐦 𝐰𝐡𝐞𝐧 𝐲𝐨𝐮 𝐧𝐞𝐞𝐝 𝐢𝐭 𝐦𝐨𝐬𝐭.
One claim.
One family receiving financial support when they needed it.
$𝟑𝟎,𝟎𝟎𝟎 𝐂𝐀𝐃 𝐩𝐚𝐢𝐝 𝐟𝐫𝐨𝐦 𝐚 𝐂𝐚𝐧𝐚𝐝𝐢𝐚𝐧 𝐂𝐈 𝐩𝐨𝐥𝐢𝐜𝐲 𝐭𝐡𝐚𝐭 𝐰𝐚𝐬 𝐥𝐞𝐬𝐬 𝐭𝐡𝐚𝐧 𝐭𝐰𝐨 𝐲𝐞𝐚𝐫𝐬 𝐨𝐥𝐝.
That's the value of protection. 💙
🙏 Grateful for the client's trust, the spouse's patience and cooperation, and the claims team who worked through the necessary due diligence.
𝙋𝙧𝙤𝙩𝙚𝙘𝙩 𝙮𝙤𝙪𝙧 𝙞𝙣𝙘𝙤𝙢𝙚｡ 𝙋𝙧𝙤𝙩𝙚𝙘𝙩 𝙮𝙤𝙪𝙧 𝙨𝙖𝙫𝙞𝙣𝙜𝙨｡ 𝙋𝙧𝙤𝙩𝙚𝙘𝙩 𝙮𝙤𝙪𝙧 𝙛𝙖𝙢𝙞𝙡𝙮｡
Because when a critical illness happens, 𝘆𝗼𝘂𝗿 𝗳𝗼𝗰𝘂𝘀 𝘀𝗵𝗼𝘂𝗹𝗱 𝗯𝗲 𝗼𝗻 𝗴𝗲𝘁𝘁𝗶𝗻𝗴 𝗯𝗲𝘁𝘁𝗲𝗿 — 𝗻𝗼𝘁 𝗼𝗻 𝗵𝗼𝘄 𝘆𝗼𝘂'𝗿𝗲 𝗴𝗼𝗶𝗻𝗴 𝘁𝗼 𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹𝗹𝘆 𝘀𝘂𝗿𝘃𝗶𝘃𝗲 𝗶𝘁｡
📌 𝑷𝑶𝑺𝑻𝑬𝑫 𝑾𝑰𝑻𝑯 𝑻𝑯𝑬 𝑪𝑳𝑰𝑬𝑵𝑻'𝑺 𝑷𝑬𝑹𝑴𝑰𝑺𝑺𝑰𝑶𝑵
This story is being shared with the client's knowledge and permission for educational purposes and to help others understand the potential importance of Critical Illness protection and having proper support during the claims process.
𝐃𝚰𝐒𝐂𝐋𝐀𝚰𝐌𝐄𝐑:
Every insurance policy is designed based on the individual client's needs, circumstances, eligibility, and underwriting at the time of application. 𝘌𝘷𝘦𝘳𝘺 𝘤𝘭𝘢𝘪𝘮 𝘪𝘴 𝘶𝘯𝘪𝘲𝘶𝘦 𝘢𝘯𝘥 𝘪𝘴 𝘢𝘴𝘴𝘦𝘴𝘴𝘦𝘥 𝘣𝘢𝘴𝘦𝘥 𝘰𝘯 𝘵𝘩𝘦 𝘴𝘱𝘦𝘤𝘪𝘧𝘪𝘤 𝘱𝘰𝘭𝘪𝘤𝘺 𝘤𝘰𝘯𝘵𝘳𝘢𝘤𝘵, 𝘥𝘦𝘧𝘪𝘯𝘪𝘵𝘪𝘰𝘯𝘴, 𝘮𝘦𝘥𝘪𝘤𝘢𝘭 𝘦𝘷𝘪𝘥𝘦𝘯𝘤𝘦, 𝘢𝘯𝘥 𝘪𝘯𝘥𝘪𝘷𝘪𝘥𝘶𝘢𝘭 𝘤𝘪𝘳𝘤𝘶𝘮𝘴𝘵𝘢𝘯𝘤𝘦𝘴.This claim experience should not be interpreted as a guarantee that another claim will be approved or paid in the same manner. Policy terms, conditions, exclusions, limitations, and applicable contestability provisions vary. Please review your own policy and speak with your licensed insurance advisor regarding your specific situation.
