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After 40+ years in the
insurance protection industry
Ezibroker has ceased professionally
.

Gone, but not dead, yet.

Professional achievements include :-

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Being unemployed since 1986 and not having to go to ‘work’.

Every day I was doing something I loved doing. 

It was never a ‘job’ .

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Initally, during my ‘training’ years in the 1970s, travelling all over Victoria, including farms,  where I met hundreds of great Australian people from all walks of life – along with the occasional dick.

This included looking down the wrong end of a shotgun being ordered off of a person’s property and, on another occasion,  turnng up to a family at meal-time where the lady showed a young man kindness by taking food off of each person’s plate to make him a meal.
50 years later and it’s not forgotten.

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Realising that people arranged and paid for insurance because they required the financial security that only insurance products can provide and ensuring the cover arranged, (that they paid for in good faith), would ‘do the job’ if ever it was needed – and having the professional fortitude to explain that ‘you only get what you pay for’ and if you want to get cover cheap you get cheap cover.

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Being a pioneer in the establishment of the ‘independant’ insurance consultant revolution and the end/demise of the ‘tied’ agent structure where, for about 100 years, insurers almost employed and completely controlled the products ‘their’ agents could arrange for clients (e.g the ‘AMP’ man or the ‘National Mutual’ man).

(This ‘tied’ structure often allowed insurers to market inferior products via their ‘tied-agent’ distribution, which was often accompanied by high-profile levels of company advertising/promotion).

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While this cost in lost business people who listened to, and appreciated and accepted the recommendations had the cover they expected which resulted in 100% of all claims ever made by clients, (exceeding $50 million in payments from insurers), to be successful.

All claimants received at least the benefit they expected, (and paid for), and in some cases additional payments they didn’t expect.

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Earning a reputation in the insurance industry in Victoria to be appointed as Director of Education for Disability Income Risk Insurance for the Australian Life Underwriters Association along with editing and creating the Disability Income education courses and examinations for Australia.

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Providing full and part-time employment for many administration staff over the years as business required.

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Avoiding getting involved in any way with Superannuation, Investment, Financial Planning or Financial advising – other than responding to the occasional query that it’s likely the only gain ever likely to be made from any financial plan or financial product would be by the adviser recommending them or the product issuer – or, ultimately the tax department on the off-chance there was any gains.

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Being 100% ‘straight’ in dealings with all clients – sometimes at the cost of losing potential or exisitng business because of telling people the truth, not necessarily what they actually wanted to hear.

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Sleeping well every night and looking forwards to going to the office next day.

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All in all, a good innings.

Making a positive difference to the lives of ordinary/extraordnary people

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40+ years – end of an era.

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