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Cocksy talks about cancelling insurance

Cocksy almost cancelled his insurance. But when he got sick, his insurance cover enabled him to plan a legacy to leave behind for his family.

John ‘Cocksy’ Cocks is a New Zealand celebrity builder.

In 2016, he was diagnosed with terminal cancer, which got him thinking about what he wanted to do with his life – and what he wanted to leave behind.

Luckily, he had insurance cover in place that meant he could keep his life going.

Cocksy looked at reducing his premiums

There was a time, not long before he got sick, that Cocksy thought about cutting back his insurance premiums.

“I looked at my insurance cover, because my situation had changed a little – but I didn’t do anything about it. And thankfully I didn’t.”

Realising a dream

When he was diagnosed with cancer, Asteron Life paid out Cocksy’s lump sum trauma benefit. 

“That money enabled me to think, I’ve got a dream that I want to achieve – building a bach on my section in Tairua. So I set that money aside and said, that’s what that’s for.”

Cocksy can’t work as a builder any more, but he has been able to use his skills to perfect the design for his bach and plan the building.

“For me, Tairua is the place where I feel most at home, where I feel most comfortable. My happiest memories, for myself and with my girls, are all there.”

“That’s what I want to leave behind for them – somewhere that they can feel at home.”

Keeping his options open

“I’m not a material person, but I feel like I need to leave something behind for my family. At the moment, I’m working on my beach property in Tairua.”

“When I’ve only got 12 months left, I’ll be paid out my life insurance. And then I can choose what to do with that. I can use it to set up something for my girls, or get treatment that I can’t get through the Government system… it’s good to know that my options are open, and that I have the money to make those options a reality.”

“I’m a fit guy, an active guy, I have an active job – I thought I was the last person this could happen to. But then… the rug’s pulled out from under you.”

“I thought about it later and thought, how would I have done this without the insurance? How would I have been able to not work, to build my bach, to set up my kids for their future?”

“I’ve got limited time so I want to make the most of it – I’m using it to the best, for myself and for my family.”

Asteron Life would like to sincerely thank Cocksy and his family for allowing us to share his story.

Keeping your premiums affordable

If you've got an insurance cover and want to look at reducing your premiums, talk to your adviser or find an adviser here. There are lots of options that could help you keep your premiums affordable.

Learn more about the value of a good adviser

Cocksy's cover

Income protection

Because Cocksy can’t work, his income protection pays out a monthly sum for him to live on.

Lump sum trauma

Cocksy had a trauma benefit, which paid out a lump sum when he was diagnosed with cancer. Trauma can be used to help you recover financially if you’re diagnosed with one of 44 medical conditions.

Life insurance

Life insurance pays out a lump sum of money if you die, or if you’re diagnosed as ‘terminally ill’ (12 months or less to live).

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