Brightrock Insurance

BrightRock was started around a dining room table in 2011 by a group of people with an entrepreneurial streak and a burning desire to change our industry for good – for the better, sustainably. Their aim? To create a new type of life insurance that would give clients and financial advisers the tools to co-create a solution that precisely meets their individual needs – even when those needs change.

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[baabaabling]

Well so much help you have been to me, in November 2017 I was diagnosed with complex PTSD and could no longer apply my trade as a Private Investigator in the investigations of serious violent crimes. I also served voluntary as a reservist in the SAPS for over 24 years. As a result of my PTSD my life changed for ever as I dont want to leave the safety of my home and that my mind is always in defensive mode, which is exhausting. I had a live and disability claim with Brightrock of which I submitted a claim and from the start they were look for all ways not to pay the claim. Saying that I did not not disclose prior mental disorder and treatment thereof for depression etc. However they did cover that I had disclosed 2010 with ADHD. ADHD is a mental disorder an all what they claim I never disclosed are the systems of ADHD. My Bond has been handed over, my car has been handed over, Rate handed over, school fees for my 10 year old handed over, Eskom handed over, Medical Aid lapsed so I cannot consult with my doctors or get my medicine, we have been getting food parcels from then community where we live or else we will starve. The matter has gone now to the ombudsman so lets see what will happen. My whole career as a PI was helping people see my web site www.christianbotha.co.za . If I had known the Brightrock had started around a coffee table I would have never chosen them as my insurance company who will take care of my family in times of need. As they are more interested in profits than help their clients.

[baabaabling]

I wonder why, it is because you don't payout claims an hence the profits. Why is my claim not been paid?

[nicovisagie]

This product does not work in reality.Because when you put cover in place for specific needs, YOU CAN LOOSE IT.
Specific capital amounts, and the client gets a small claim else ware, or under the Brightrock product for a critical illness, then the cover that was in place for a term for let say 5 years, will end after that term.
So your covers will fall away just like a TERM policy.
And then need to DO underwriting again.
Not good.It is better to take out maximum terms of cover, where it can't fall away like a TERM POLICY.
So the specific needs match policy is just a term policy, that can fall away.
Example:You take out a need for vehicle debt with Brightrock fo 5 years on Disability and Death.
You get a 25% pay out on cancer from your Channel Life policy or any other policy from a different insurer.
After the 5 year term is over, you will loose that cover on Disability, and CAN'T take out new Disability cover for your next vehicle you want to cover.That is a big risk to have cover for that specific need
TERM POLICY'S was and will never be a good idea.Because you don't know how your health will change in the future.