It's shattering to hear the diagnosis of cancer, especially in children. Imagine how these families feel when 3 children in the same are class are diagnosed with cancer. Did you know that you can add Child Trauma Cover to parents cover from as little as $10 per month - talk to your insurance adviser about this. I will take away the diagnosis but helps take away the financial pressure and gives you choices. #Childtrauma #childcancersucks #riskassist 'We'll always be there': School's vow as cancer hits class
Article by Kathy Sundstrom | 22nd Feb 2017 5:00 AM Sunshine Coast Daily News WHAT are the odds? Three kids, same small class in a small Christian school diagnosed with very different types of cancer. Coolum Beach Christian College is rallying together to support its Year 10 cohort as the students struggle to understand why. None of the cases are linked, it is simply a set of unusual circumstances. The class was rocked by its first cancer diagnoses in 2011 when then 11-year-old Peter Senekal was diagnosed with liver cancer. Peter has recovered and his dad, Pierre Senekal said was doing well. Then in October last year, Isaac Holcroft, was diagnosed with a different type of Hodgkins Lymphoma and is receiving treatment at the moment. And then, less than three weeks, just after the school swimming carnival, Oscar Lukritz, was diagnosed with leukemia. All three children are in the same class, which is the only Year 10 class at the school. Isaac's mum Rebecca Holcroft said what gave her son hope after he was diagnosed was knowing Peter had been through a similar journey and had survived. These are all our children, we walk the journey with them, we will always be there. Mrs Holcroft was also hopeful Isaac and Oscar would be able to support each other in months ahead. She urged other parents to be aware of the symptoms of cancer as "it seems so many children are being diagnosed". "If you notice your child has lost weight, changes in their mood and they are no longer interested in the same foods, get advice," she said. Oscar's grandmother Jo Wilcox has started a Gofundme page as the enormity of the situation and the struggle to pay bills while staying in Brisbane for Oscar's treatments set in. Mrs Wilcox explained the 14-year-old active teen was diagnosed with High Risk Acute Lymphoblastic Leukaemia (ALL) on Saturday, February 4 and was in the Lady Cilento Children's Hospital in Brisbane. "His mum, Kylie, has been staying with him 24/7 sleeping on a bed in his room," she wrote. "His two siblings Hannah, 17, and Archie, 10, are at home on the Sunshine Coast. Archie is staying with me 24/7 and going to school and staying in his normal routine as much as possible" In the meantime Oscar has "endured platelet and red blood cell transfusions, chemo, lumbar punctures and has had bone marrow retrieval among other things". Kylie has had to stop work so she can be by Oscar's bedside as he undergoes grueling treatment to save his life. On Thursday, February 16 Oscar was discharged from hospital and is staying in accommodation with his mother near the hospital. Mrs Wilcox said they would need accommodation in Brisbane for about a month while Oscar undergoes further treatment. "He is being so brave," she wrote "We had no idea that he had this disease. We were at a school swimming carnival on Thursday, February 2. "Oscar did one swim and won, he is a good swimmer. He dived into the pool to do the second swim and couldn't make it 25 metres. "He got himself out of the pool and came over to me and said he wasn't feeling well and he wanted to go home." He was taken for blood tests on the Friday and then early on Saturday morning Kylie received the devastating phone call. Oscar was admitted to Lady Cilento Saturday afternoon," Mrs Wilcox wrote "As you can imagine it has put tremendous stress on the whole family and sent our daily routines into a total shambles. "The emotional and physical stress is bad enough but there is also the financial burden that this type of situation puts on the whole family. "There is all the extra fuel travelling to and from hospital costs, plus the burden of setting up the accommodation from scratch, with food and toiletries and then there is having to pay for toll booths and Oscar's medication. "Any financial help that can be given quickly to help alleviate the financial burden for my family will be greatly appreciated." Coolum Beach Christian College Principal Terry Hornby said the school was working together to "walk the journey" with the families. "These are all our children, we walk the journey with them, we will always be there," Mr Hornby said. "We will not stop loving, caring and building every child in our school."
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10 Tips to a Healthier Heart With hearts and flowers everywhere this Valentine’s Day, I thought it was appropriate to share this list of tips to help you look after your heart.
Risk Assist is proud to be presenting in Brisbane, Sydney, Melbourne & Perth at the GPS Wealth Ltd Focus Days throughout March 2017
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If you ever want to see Murphy’s Law in action then this is it: A loyal, long-standing client of mine came to see me early last year to express his concern about his rising insurance premiums. This was not the first time that we had a conversation about the increasing costs &, I must say, when comparing his premiums to the average policyholder, he was certainly up there with the bigger hitters. To put things into perspective however, the client did have a pre-existing heart condition & his insurances were originally accepted with a 75% premium loading, but no exclusions. Given the fact that the client’s cardiologist said that at some stage he will need a heart valve replacement, then the premium loading was understandable. Initially the client was absolutely delighted that he could get any insurance at all! The first time that he questioned the high premiums I asked him if the cardiologist had yet recommended that he undergo the valve replacement. To my surprise the answer was “yes, preferably straightaway, but definitely at some stage over the next 5-10 years” so my immediate response was “if the cardiologist has recommended the procedure be done ASAP, & you book a time to have it done, then I will initiate & manage the claim process for you”. For 5 years we had this same conversation but I could not understand why he would not simply make a time with his doctor to go under the knife. He would get a new valve, his trauma insurance payout of over $1,200,000 would pay off his debt & provide ample funds for his recuperation period, & he could stop worrying about his faulty ‘ticker’. What I didn’t take into consideration however was that there was a slight chance that he may not actually wake up after the procedure. Now that’s quite an interesting predicament when you think about it: Undergo a heart valve replacement, knowing there was a slight chance that you may die during the procedure, & receive $1.2M; or reduce your premiums (& level of insurance cover) & put off the procedure for as long as possible, perhaps up to 10 years. When situations like this are not happening to us personally it is very easy to decide what we would do in those circumstances, but when they do happen to us, & there is a chance that we may never see our partner & children again, then it is totally comprehensible why one would approach this with some trepidation. As Murphy’s Law would have, he could no longer afford the ever-increasing premiums so he instructed me to reduce his policy by 50%. My warnings fell on deaf ears & unfortunately 6 months later he was forced to undergo aortic root & valve replacements. I know he is happy that he received some payment, & I have no doubt that he is overjoyed about waking up after the operation, but deep down there would have to be just a small degree of regret about his decision to hold off the procedure & reduce his level of cover. To the policyholder a premium loading can seem unfair but there is a reason for it – if you have a pre-existing condition then there is a greater chance that you will make a claim. If everyone was accepted for insurance regardless of their current state of health then insurance companies would go broke paying claims. Loadings are there to ensure that insurance companies have money available to pay you when you make a claim. Even though an insurer may initially accept your application with a premium loading, some loadings can be reduced or removed altogether. For example – your premium will be loaded if you are a smoker. If you want to reduce your premium, then give up smoking (for a minimum of 12 months). Some clients will experience premium loadings for high blood pressure or a higher than average BMI. If you want to reduce the premiums then exercise may be the answer. There are a myriad of ways to reduce your insurance costs but if you have a fairly serious medical condition & you have been accepted for insurance with a premium loading, then make sure you discuss every available option with your medical & insurance professionals before you make dramatic changes to your policies. Please don’t hesitate to connect with me if you feel you are paying excessively high insurance premiums. There just may be a solution. |
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