How multiple insurance products saved Craig

Pina Sciarrone. Chief Retail Insurance Officer AIA Australia

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 in Australia, let alone overseas for our armed forces. The latest in our Insurance Masters series is a story of renewed purpose and highlights the role financial advice plays in changing lives.


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.

What you'll learn /

The AIA ‘Craig’s story’ Insurance Masters course with Pina Sciarrone will give you insights into:

How suddenly life-changing events can disrupt finances
The way multiple insurance products can synergise with each other
The non-financial benefits of insurance
How to discuss insurance needs with your clients

About the expert /

Pina Sciarrone /

Chief Retail Insurance Officer AIA Australia

  • CPD hours0.25
  • Knowledge AreaCAPABILITY
  • PriceFREE
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Outline of the course /

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.

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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.

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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.

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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.

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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.

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