My husband’s heart attack prompted my wife to make an important decision: I became convinced of the importance of safety

“When discussing life insurance with clients, I always say, the future will come, whether you’re ready for it or not. However, whether and how you are prepared will depend on how you face that inevitable future,” says J. Pocienė.

Jūratė, who has been advising clients on life insurance and pension accumulation issues for many years, noticed that it is much easier for people to take care of material things: things, houses, cars. Insurance contracts for these items are concluded in the blink of an eye. Why do people hesitate when talking about life insurance? What’s stopping them?

“First of all, it is a personal psychological barrier. Sometimes clients openly say that they are afraid to think about serious illnesses, injuries, the death of a loved one, as if such thoughts will bring misfortune. But sometimes you go enjoying life and a car hits you or an icicle falls on your head. So my suggestion is to focus not on disasters, but on fuses. After all, it is much easier to look forward to the future when you have taken care of a financial cushion in the form of life insurance. It’s worth asking yourself: is it better to be sad that an illness or accident happened, or to be happy that the insurance payment helped to overcome that challenge more easily”, J. Pocienė invites you to think.

According to the financial advisor of Allianz Lietuva, the people who are most interested in taking care of life insurance contracts are those whose close environment has already had an accident, someone has fallen ill, or suffered a loss.

“I am very sorry that for some people the understanding of financial safeguards, the benefits of life insurance comes only after a severe shock. For some reason, it is easier to learn from your own mistakes, although it is smarter to learn from strangers, because you can at least take care of your financial security in advance. I have a client who only decided to take out her life insurance policy after her husband was diagnosed with an acute myocardial infarction. The man received more than 19 thousand. “Allianz Lietuva’s payment of EUR”, says the expert.

Until then, according to J. Pocienė, the client kept questioning her husband’s decision to have a life insurance contract. It seemed to the woman that nothing would happen, because the man is healthy, has preventive health checks, and has no bad habits.

“She called me only after her husband’s heart attack, not hiding her surprise at the solid payment. They said that it will be enough not only to cover the costs of her husband’s rehabilitation, but also not to worry about work for at least a few months – there will be something to live on without reducing her needs. The person realized what life insurance means in difficult times, what a financial support it is, and saw that diseases sometimes lurk even in extremely healthy people. The woman has already concluded a life insurance contract for herself and recommended that other relatives not delay this step”, J. Pocienė shares the story.

Allianz is the most valuable insurance brand in the world (Interbrand Best Global Brands rating 2023).