When the worst gets worse – Craig’s story

Craig spent his life helping others. He was a surgeon, teaching others and treating patients both in Australia and with the Australian army. However, after a near-deadly bike accident revealed a hidden disease, he found himself without a job, without income and without hope. Fortunately, his adviser pointed him towards insurance and Craig’s story changed from one of tragedy, to one of renewed purpose.


Want to learn more about Income Protection and Crisis Recovery? Watch Pina Sciarrone's commentary below.

Or earn CPD points in her full course here.



How insurance let Craig live his purpose

Multiple sclerosis robbed Craig of his ability to perform surgery. With no known cure, Craig would have lost his income and his purpose. Insurance took care of his financial worries and allowed Craig to renew his passion for helping others through his teaching and training.

Why insurance is so much more than a pay out

If the worst happens and work is no longer an option, losing your income is bad enough. But when this often leads to depression, it can be crippling. By alleviating financial stress, insurance allows claimants to focus on themselves.

How crisis recovery and income protection worked together for Craig

When Craig had a bike accident and realised he’d be out of work for a while, income protection insurance gave him peace of mind. However, even with 75% of his income secured, the diagnosis of his multiple sclerosis added a host of medical bills to his worries. Crisis recovery insurance worked hand-in-hand with income protection in this case and allowed Craig to focus on recovery.

Talking income protection and crisis recovery with clients

Insurance is important for everyone; however personal circumstances absolutely need to be taken into account. Pina Sciarrone explains what to look for when discussing how appropriate insurance is for your clients.



AIA Australia Limited (ABN 79 004 837 961 AFSL 230043). These videos provide general information in summary only without taking into account factors like the objectives, financial solution, needs or personal circumstances of any individual. Any advice in the videos is general and is not intended as financial, medical, tax or other advice. Before acting on this information you should consider it in the context of such factors and whether it is appropriate for your client. An individual’s experience may differ from examples given in this video.


The opinions expressed in this content are those of the author shown, and do not necessarily represent those of No More Practice Education Pty Ltd or its related entities. All content is intended for a professional financial adviser audience only and does not constitute financial advice. To view our full terms and conditions, click here.

Leave a comment /

Related content /

How multiple insurance products saved Craig

A life-threatening accident revealed a disease that would last him the rest of his days, and Craig found himself unable to continue work as a surgeon....

view lesson

Income Protection and how it saved Andrew

A herniated disc sounds agonising enough. But add to that the fact that you’re a brand-new parent, and you’re in whole new world of pain. This ....

view lesson

26 April, 2018

Pina Sciarrone,Chief Retail Insurance Officer,AIA Australia

A hero in disguise – income protection insurance

A herniated disc sounds agonising enough. But add to that the fact that you’re a brand-new parent, and you’re in whole new world of pain. This ....

Read now