The cost of living in New Zealand is not low,
In order to alleviate financial pressure, many families,
A lot of household expenses have been cut, including insurance.
Recently, this New Zealand family has been in trouble because of this...
Picture: Stuff
After the cancellation of life insurance, the two mothers unfortunately suffered from cancer, and the family faced great pressure
Life at Adele Baker has not been easy, and after marrying her husband Shane, they have always wanted to have a child, but it always backfired, and they failed to conceive after many attempts.
So they tried IVF and persisted for 12 years before finally welcoming two children.
Adele cherishes this hard-won happiness and is full of hope for the future life.
Now, a lab sheet has broken it all.
Picture: Stuff
She recently noticed a lump on her neck, and at first she thought it was related to breastfeeding, but she was not worried.
But when she went for a check-up, she was shocked to find out that she had stage 4 (advanced) bowel cancer, which meant she only had six months to live.
She did feel a little tired, but she thought it was a normal feeling for a new mother, and it was not easy to take care of a one-year-old baby.
What made her even more sad was that before that, she canceled her life insurance because she wanted to save money.
She couldn't stand the thought of leaving her child.
Picture: Stuff
"We wanted them so badly and they came. Life has just begun, and now it's all being taken away from me. I'll never see them grow up."
Her husband, Shane, is also saddened: "I have to raise a child without the love of my life. ”
Her cancer had spread to her lymph, intestines, liver, and coccyx.
"Shane couldn't work because I couldn't take care of our kids on my own. I couldn't lift my left arm for a few days, I couldn't walk with back pain, or I was too tired to get out of bed."
Even though she was told there was no cure for cancer, she opted for chemotherapy as a way to spend more time with her family.
Picture: Stuff
"All I want to do is make life as easy as possible for my husband and children after I'm gone. I am even sadder to think of how much grief and pain they will endure.
"Someday, my baby will forget about me. They won't have any memories, just videos, stories, photos, letters, etc. I will do my best to stay here for as long as I can. ”
The ability of ordinary people to pay has decreased, but the price of insurance has continued to rise
Richard Klipin, chief executive of the New Zealand Financial Services Commission, said "the cost of living is soaring".
"People are making trade-offs around spending, and a lot of spending is being removed."
In a survey of 2,000 New Zealanders in March, the results showed that nearly half of those who cancelled life insurance did so because of the cost of living, as did health insurance.
Klipin said it was "heartbreaking" when people were hit by "life tragedy".
"Our advice is always that insurance is an important way to protect against risk. If people decide to cancel or modify it, it's best to do so with sound guidance. ”
Kris Faafoi, chief executive of the New Zealand Insurance Commission, said it was "tough" for those with the "cost of living crisis and its impact on spending decisions".
"One of the biggest challenges facing our industry is how to make it affordable for the average person. ”
Picture: Stuff
However, according to Stuff, insurance premiums have increased significantly over the past few years, reaching "insane" levels.
IAG, New Zealand's largest insurer with State, AMI and NZI, recently announced a 50 per cent increase in profits and a 19 per cent increase in premiums.