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The one lottery you don't want to win

Posted by Neal Durling on 7 November 2014

When one reflects, we can all look back on significant events in our life. Many have filled us with joy, some sadness and others provide lessons and perhaps change the way we view ourselves, reassess our limitations and better understand the challenges faced by others.

For me, three of the later spring to mind.

A football injury that left me in need of a wheel chair and significant rehabilitation, being hit from behind by a car whilst cycling on a busy Brisbane road and more recently the disk bulge and facet joint lock which left me unable to move and slightly concerned for a while.

What they have in common is I didn't see any of them coming. Perhaps there were some warning signs with the back problem but the others where a complete surprise. One minute I was doing my thing and the next I wasn't.

The wheel chair experience taught me to look people in the eye, whatever their height. The cycling accident that I didn't "bounce" like I used to and should reassess my insurances needs and my recent back injury, that insurance is the lottery I really don't want to win!


It's surprising how debilitating a back injury can be. It gave me a small insight into what friends and clients, some of which are on Income Protection claim as I write, have to deal with. I now understand how one's entire day can revolve around the management of pain, mobility and rehabilitation.

The lesson I learned from this is when my insurance renewal comes in this year I will gladly pay it. I will be grateful that this year my numbers didn't come up and be happy that my premium is helping pay others who have not been as fortunate.

Author: Neal Durling
Tags: Wealth Creation

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The information on this site is of a general nature. It does not take your specific needs or circumstances into consideration, so you should look at your own financial position, objectives and requirements and seek financial advice before making any financial decisions.

The financial planning services are provided by Medical Financial Pty Ltd trading as Medical Financial Planning (AFSL 506557)