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Insurer cancels customer's policy without telling him | A Current Affair

Video vocabulary

lose

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US / lu:z /

UK / luz /

A1
  • verb
  • To be unable to keep in check or control something
  • To decrease in value or quantity (e.g. weight)
  • To stop having certain qualities or abilities
  • To stop having or being entitled to
  • To fail to win something that is being contested
  • To be unable to find something you once had
  • To be dependent on someone (used with 'not')

quick

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US / kwɪk /

UK / kwɪk /

A1
  • adjecitve
  • Using very little time; moving far in little time
  • Learning and understanding rapidly and easily

try

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US / traɪ /

UK / traɪ /

A1
  • noun
  • Act of putting the ball over the rugby goal line
  • verb
  • To make an effort, to attempt to do something
  • To examine someone or something in a court of law
  • To test to see if it is good or you like it
  • To make a person go through hardship; test
  • To examine something to see if it works

basic

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US / 'beɪsɪk /

UK / ˈbesɪk /

A1
  • adjecitve
  • At the most important or easiest (beginner) level

feel

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US / fi:l /

UK / fil /

A1
  • verb
  • To be aware of or experience an emotion, sensation
  • To sense through direct contact; touch

machinery

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US / məˈʃi:nəri /

UK / məˈʃinəri, -ˈʃinri /

A2
  • noun
  • System/processes to get official approval, etc.
  • Machines in general
  • Inner, working parts of a machine

normal

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US / 'nɔ:ml /

UK / ˈnɔrməl /

A1
  • adjecitve
  • Standard or regular way of doing something
  • Having standard mental or physical ability, health

past

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US / pɑ:st /

UK / pæst /

A2
  • adjecitve
  • No longer current or new
  • adverb
  • So as to go beyond, or further than something
  • noun
  • Time that existed before now, e.g. long ago
  • preposition
  • After a particular time
  • At a later point in distance; beyond

reason

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US / 'ri:zn /

UK / ˈrizən /

A1
  • noun
  • Ability to think about facts and form a judgment
  • Explanation for why something occurred or was done
  • verb
  • To think and make conclusions in a logical manner

always

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US / 'ɔ:lweɪz /

UK / ˈɔlwez,-wɪz,-wiz /

A1
  • adverb
  • For a very long time
  • At all times; in every situation
  • For ever

broker

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US / 'brəʊkə(r) /

UK / ˈbrokɚ /

B1
  • noun
  • Person who acts to buy or sell shares in companies
  • verb
  • To negotiate a business deal

appear

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US / ə'pɪə(r) /

UK / əˈpɪr /

A1
  • verb
  • To be seen, become visible; come into sight
  • To seem to be
  • To act in a play, movie, or be mentioned in media

after

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US / 'ɑ:ftə(r) /

UK / ˈæftɚ /

A1
  • adverb
  • Later than another time, or behind something
  • conjunction
  • Following something before
  • preposition
  • When an event happened or time has passed

sand

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US / sænd /

UK / sænd /

A2
  • noun
  • Area composed of tiny pieces of rock near an ocean
  • Small pieces of rock that make beaches and deserts
  • verb
  • To cover a surface with grit e.g. roads
  • To smoothen a surface with sandpaper

will

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US / wɪl /

UK / wɪl /

A1
  • noun
  • Desire or choice of someone
  • Document saying who gets your money when you die
  • Strong desire to do something; determination
  • Desire to do something; strong wish to do
  • other
  • Used with verbs to express the future
  • verb
  • To leave property to someone after your death
  • To use mental effort to make something happen
  • Am (is, are) likely to do
  • To influence someone to do something
  • To make something happen by strongly wanting it

warn

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US / wɔ:n /

UK / wɔrn /

A2
  • verb
  • To tell someone about possible danger

thousand

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US / ˈθaʊznd /

UK / ˈθaʊzənd /

A1
  • number
  • Number 1,000

afford

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US / ə'fɔ:d /

UK / əˈfɔrd, əˈford /

A2
  • verb
  • To make available, to provide
  • To have enough money to pay for something

day

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US / deɪ /

UK / de /

A1
  • noun
  • A period of 24 hours beginning at midnight
  • The period of time when it is light outside
  • Person's name

grateful

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US / ˈgreɪtfl /

UK / ˈɡretfəl /

B1
  • adjecitve
  • Feeling or showing thanks; thankful

reinstate

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US / ˌri:ɪn'steɪt /

UK / ˌriɪnˈstet /

B2
  • verb
  • To give someone back their previous job/position

cos

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US / kəz /

UK / kəz /

A2
  • conjunction
  • Very informal way of saying 'because'

sell

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US / sel /

UK / sɛl /

A1
  • verb
  • To exchange something for money
  • To persuade people to do, like or agree

shamble

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US / 'ʃæmbl /

UK / ˈʃæmbəl /

A1
  • other
  • Walking with a slow dragging motion without lifting your feet

realize

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US / 'ri:əlaɪz /

UK / ˈriəˌlaɪz /

A1
  • verb
  • To become aware of or understand mentally

stick

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US / stɪk /

UK / stɪk /

A2
  • noun
  • Long thin piece of wood from a tree
  • verb
  • To push a sharp or pointed object into something
  • To join together using glue or paste
  • To remain in one place or position for a long time

contract

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US / 'kɒntrækt /

UK / 'kɑ:ntrækt /

A1
  • noun
  • Legal agreement, e.g. for doing work for money
  • Agreement to pay someone to kill a person
  • verb
  • To become ill as a result of getting a disease
  • To make an agreement for doing work for money
  • To reduce in size, length due to heat loss
  • To reduce the amount of

delay

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US / dɪˈleɪ /

UK / dɪˈle /

A2
  • noun
  • Action of being late or happening later
  • verb
  • To wait some amount of time before doing something
  • To do something later than is planned or expected
  • To stop something from happening for a time

separate

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US / 'sepəreɪt /

UK / 'sepəreɪt /

A2
  • adjecitve
  • Being different from or unrelated to another
  • verb
  • To divide two things by being in between them
  • To live away from your husband or wife
  • To move things away from each other

someone

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US / ˈsʌmwʌn /

UK / ˈsʌmˌwʌn, -wən /

A1
  • pronoun
  • Person who is not known or named

four

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US / fɔ:(r) /

UK / fɔr, for /

A1
  • number
  • 4

million

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US / ˈmɪljən /

UK / ˈmɪljən /

A1
  • number
  • 1,000,000

probably

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US / ˈprɒbəbli /

UK / ˈprɑbəbli /

A1
  • adverb
  • That is likely to happen or be true

once

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US / wʌns /

UK / wʌns /

A1
  • adverb
  • One time; one instance
  • At a time in the past
  • conjunction
  • When; as soon as

continue

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US / kən'tɪnju: /

UK / kənˈtɪnju /

A1
  • verb
  • To do something without stopping, or after pausing
  • To start doing again after a break, pause, or stop

fail

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US / feɪl /

UK / fel /

A1
  • noun
  • A mark on a test showing you did not pass
  • verb
  • To be unsuccessful in passing a class or exam
  • To not do or provide something that is needed
  • To stop working or functioning; to break down
  • To not achieve a goal, or to go wrong

should

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US / ʃʊd /

UK / ʃʊd /

A1
  • other
  • Used to indicate what is proper or reasonable

unless

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US / ənˈles /

UK / ʌnˈlɛs /

A2
  • conjunction
  • Negative of 'if'

access

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US / 'ækses /

UK / ˈæksɛs /

A2
  • noun
  • Way to enter a place, e.g. a station or stadium
  • verb
  • To be able to use or have permission to use

frankly

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US / ˈfræŋkli /

UK / ˈfræŋkli /

B2
  • adverb
  • Speaking honestly and directly

force

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US / fɔ:s /

UK / fɔrs, fors /

A1
  • noun
  • Group of persons trained for military action; army
  • Pressure; attraction
  • The use of physical strength/violence to persuade
  • verb
  • To use physical strength or violence to persuade

duke

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US / dju:k /

UK / duk, djuk /

B1
  • noun
  • Title given to a man below the rank of prince
  • Person's name

reactivate

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US / riˈæktɪveɪt /

UK / riˈæktəˌvet /

B2
  • verb
  • To cause something to start working again

step

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US / step /

UK / stɛp /

A1
  • noun
  • Movement done as part of a particular dance
  • Distance covered by one movement of a leg; stride
  • One part or stage in a process
  • Sound made by the feet while walking; footstep
  • Flat horizontal piece that forms stairs
  • verb
  • To raise and moving the foot to put it down

then

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US / ðen /

UK / ðɛn /

A1
  • adverb
  • A time that is not now
  • Following another thing in time or arrangement
  • Following on reasonably from what was just stated
  • At that time, not now

amazingly

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US / ə'meɪzɪŋlɪ /

UK / ə'meɪzɪŋlɪ /

B1
  • adverb
  • In a surprising and pleasing manner

first

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US / fɜ:st /

UK / fɚst /

A1
  • adjecitve
  • 1st; Coming before all others in time or place
  • noun
  • Something that has not happened before
  • Position of the winner of a competition

hard

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US / hɑ:d /

UK / hɑː(r)d /

A1
  • adjecitve
  • Difficult to do; difficult to understand
  • (Of facts) not able to be misunderstood; clear
  • (Of alcohol) strong
  • Involving or requiring lots of work, effort, care
  • Being full of pain, trouble, and problems
  • Strong
  • (Of edge) clear; sharp
  • Difficult to bend, break or cut; solid
  • adverb
  • With lots of force, power, or impact

get

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US / ɡet /

UK / ɡɛt /

A1
  • verb
  • To become affected by illness or disease
  • To begin to feel or understand an emotion or idea
  • To send or bring someone or something home, etc.
  • To go somewhere to obtain something
  • To (cause to) do a particular thing
  • To obtain, receive or be given something
  • To currently have
  • To prepare for use
  • To understand something being said or read

melanoma

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US / ˌmeləˈnəʊmə /

UK / ˌmeləˈnoʊmə /

A1
  • noun
  • Cancer that begins as a growth on someone's skin

roughly

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US / ˈrʌfli /

UK / ˈrʌflɪ /

B1
  • adverb
  • Approximately; (of numbers) about; around
  • In a manner that is violent or not careful
  • In an inexact, imprecise or violent way
  • In a basic, simple manner

claim

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US / kleɪm /

UK / klem /

A2
  • noun
  • Demand for something that is believed to be due
  • Something said to be true when others don't agree
  • verb
  • To demand something that is believed to be due
  • To cause someone's life to come to an end
  • To say something is true when others may not agree

nothing

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US / 'nʌθɪŋ /

UK / ˈnʌθɪŋ /

A1
  • noun
  • Item of little or no value, importance, interest
  • Number or value of zero
  • pronoun
  • Not anything, not a single thing

number

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US / ˈnʌmbə(r) /

UK / ˈnʌmbɚ /

A1
  • noun
  • Symbols such as 1, 2, 56, 793
  • Particular song or dance performed during a show
  • Total quantity or amount of things
  • verb
  • To put numbers on things
  • To assign a sequence within a group, series, set
  • To claim to be part of a larger group, series, set

recommence

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US / ˌriːkəˈmens /

UK / ˌriːkəˈmens /

B1
  • verb
  • To begin or start again

tell

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US / tel /

UK / tɛl /

A1
  • verb
  • To (strongly) advise a person to do something
  • To be able to guess
  • To say or communicate information to someone
  • To inform, but without speaking; indicate
  • To have a negative effect on someone
  • To order someone to do something; command
  • To recognize something based on certain signs
  • To report something to an authority
  • To explain something or teach someone something

transaction

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US / trænˈzækʃn /

UK / trænˈsækʃən, -ˈzæk- /

B2
  • noun
  • An exchange in business usually involving money

borrow

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US / ˈbɒrəʊ /

UK / ˈbɑ:roʊ /

A2
  • verb
  • To take and later return something from another
  • To carry one number to another column when adding

deadline

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US / ˈdedlaɪn /

UK / ˈdɛdˌlaɪn /

B1
  • noun
  • A date or time before which something must be done

lack

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US / læk /

UK / læk /

A2
  • noun
  • The state of not having or not having enough of
  • A shortage of something
  • verb
  • To not have, or not have enough, of something

own

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US / əʊn /

UK / on /

A1
  • adjecitve
  • Belong to oneself
  • determiner
  • Yours, his, hers, etc.; not belonging to another
  • pronoun
  • (Something) belong to myself
  • verb
  • To have something as your property

absolutely

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US / ˈæbsəlu:tli /

UK / ˈæbsəˌlutli, ˌæbsəˈlutli /

A2
  • adverb
  • Completely; totally; very

case

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US / keɪs /

UK / kes /

A1
  • noun
  • Container used to carry things, e.g. clothes
  • Set of facts about a crime
  • Set of facts about an event
  • Example or instance of something
  • verb
  • To find out about a place, as in planning to steal

appalling

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US / əˈpɔːlɪŋ /

UK / əˈpɔːlɪŋ /

B2
  • adjecitve
  • Causing shock or distress because it is terrible

great

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US / ɡreɪt /

UK / ɡret /

A1
  • adjecitve
  • Very large in size
  • Very important
  • Very good; fantastic; wonderful
  • adverb
  • Very good; better than before
  • noun
  • Successful and well-admired person

find

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US / faɪnd /

UK / faɪnd /

A1
  • noun
  • Object discovered by chance
  • Things that have been discovered from searching
  • verb
  • To become aware of something that is happening
  • To discover or meet by chance
  • To decide if someone is guilty of a crime, or not
  • To learn through study, research, or effort
  • To discover something by looking for it

enough

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US / ɪˈnʌf /

UK / ɪˈnʌf /

A1
  • adjecitve
  • Sufficient to answer the need
  • adverb
  • To a satisfactory degree
  • pronoun
  • Equal to what is needed; as much as required
  • Adequate number or amount

lesson

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US / 'lesn /

UK / ˈlɛsən /

A1
  • noun
  • Something done to learn or teach something; class
  • Wisdom or knowledge received from an experience

mean

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US / mi:n /

UK / min /

A1
  • adjecitve
  • Being good at
  • Nasty; unkind
  • Not liking to spend money; cheap; stingy
  • noun
  • Average of a set of numbers
  • verb
  • To express a particular idea or thought
  • To intend to do something in particular
  • To have a particular meaning or value

require

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US / rɪ'kwaɪə(r) /

UK / rɪˈkwaɪr /

A2
  • verb
  • To demand that someone does something
  • To need to do something, to make it necessary

offer

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US / 'ɒfə(r) /

UK / ˈɔfɚ, ˈɑfɚ /

A1
  • noun
  • Price you say you are willing to pay for something
  • Act of making a thing available to be accepted
  • verb
  • To suggest a price you are willing to pay
  • To give the opportunity to accept something
  • To say you are willing to do something
  • To give or say something as an act of worship

terrible

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US / ˈterəbl /

UK / ˈtɛrəbəl /

A2
  • adjecitve
  • Very bad; horrible

total

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US / ˈtəʊtl /

UK / ˈtoʊtl /

A1
  • adjecitve
  • Complete
  • noun
  • Whole number or amount of something
  • verb
  • To damage a car beyond repair

despite

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US / dɪˈspaɪt /

UK / dɪˈspaɪt /

A2
  • preposition
  • Without being affected by something; in spite of

monthly

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US / ˈmʌnθli /

UK / ˈmʌnθli /

A2
  • adverb
  • Occurring about once every 4 weeks

right

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US / raɪt /

UK / raɪt /

A1
  • adjecitve
  • Correct or true
  • The south side of you looking at the rising sun
  • adverb
  • Exactly in a place or time
  • Being appropriate for a particular event
  • In a straight or direct manner
  • noun
  • Something you are legally or morally allowed to do
  • Ideal of what is just and good
  • Political view based on conservatism
  • verb
  • To fix something previously wrong or unjust
  • To make upright, as a boat that has turned over

refuse

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US / rɪ'fju:z /

UK / ˈrefjus /

A2
  • noun
  • Garbage, waste
  • verb
  • To not accept, allow, or give something

ground

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US / graʊnd /

UK / ɡraʊnd /

A1
  • noun
  • Connection of electrical equipment to earth
  • Place where people play particular sports
  • Solid surface of the earth that we stand on
  • verb
  • To break (coffee, etc.) into tiny bits with machine
  • To make loud jarring noise by pressing hard
  • To make sharp or smooth through friction
  • To press together with force making a sound
  • To punish someone by not allowing them to go out
  • To hit the bottom
  • (Of boat) to hit the bottom so it cannot move
  • To prevent a plane from taking off
  • To place the ball over the goal line in rugby

yeah

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US / jeə /

UK / ˈjɛə, ˈjæə, jɛ- /

A1
  • exclamation
  • Another way of saying 'yes'

twice

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US / twaɪs /

UK / twaɪs /

A1
  • adverb
  • Two times

about

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US / ə'baʊt /

UK / əˈbaʊt /

A1
  • adverb
  • To be ready to; going to
  • Nearly; approximately; roughly
  • Near; next to; close to
  • In every direction; in the area of
  • preposition
  • Concerning or of (a topic)

current

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US / 'kʌrənt /

UK / ˈkɚrənt, ˈkʌr- /

A2
  • adjecitve
  • Happening or being in the present time
  • noun
  • Electricity flowing through wires
  • Movement of water in a river, or air in the sky

even

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US / 'i:vn /

UK / ˈivən /

A1
  • adjecitve
  • Being equal in influence, power, possibility etc.
  • Being divided equally or fairly
  • (Of teams/contest) with similar chances of success
  • Smooth, level, or regular
  • Can be divided by 2; ending in 2, 4, 6, 8, or 0
  • At a regular, equally steady manner
  • Remaining steady and unchanging
  • adverb
  • (When this is surprising) as well; too
  • (Used to compare two things/stress the difference)
  • verb
  • To make something level; to flatten
  • To make something equal

eventually

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US / ɪˈventʃuəli /

UK / ɪˈvɛntʃuəli /

A2
  • adverb
  • After a long time; after many attempts; in the end

care

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US / keə(r) /

UK / kɛr /

A1
  • noun
  • Treatment you receive for your health or safety
  • Something that a person worries about
  • verb
  • To feel interest, concern, or worry
  • To look after someone or something

like

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US / laɪk /

UK / laɪk /

A1
  • adjecitve
  • Being equal in status or kind to something else
  • Similar; the same
  • adverb
  • For example
  • preposition
  • Used as a filler; used to ad emphasis
  • In a way similar to the way something is done
  • Such as; for example
  • verb
  • To want to
  • To find something pleasing; to prefer something

second

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US / 'sekənd /

UK / ˈsɛkənd /

A1
  • adjecitve
  • 2nd; the one following first
  • noun
  • Unit of time; one sixtieth of a minute
  • Short period of time that you wait for someone
  • (Do) soon

what

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US / wɒt /

UK / hwɑt, hwʌt, wɔt, wʌt,hwət, wət /

A1
  • pronoun
  • Thing or things that; the same kind as
  • Used to emphasize something you are about to say
  • adjecitve
  • Used to refer to a particular amount, or number
  • Used to place emphasis on a particular quality
  • adverb
  • To a certain degree
  • determiner
  • Question words used for asking for information
  • exclamation
  • Used to express excitement, shock, or surprise
  • Used to ask people to repeat something they said

that

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US / ðæt /

UK / ðæt, ðət /

A1
  • adjecitve
  • The person or thing being talked about
  • Used to identify something both the speakers know
  • adverb
  • Used to reinforce adjectives and adverbs
  • To such a degree
  • conjunction
  • Used to connect a noun clause
  • Used to introduce an adverbial clause
  • Used to introduce a noun clause
  • determiner
  • Used as a noun to refer to something
  • pronoun
  • Referring an object far away
  • Used to refer to the relative pronoun ‘which’

week

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US / wi:k /

UK / wik /

A1
  • noun
  • Period of seven days from Sunday to Saturday

build

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US / bɪld /

UK / bɪld /

A1
  • noun
  • Your physical shape; physique
  • verb
  • To establish e.g. a reputation, over time
  • To construct a house, office, factory

butt

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US / bʌt /

UK / bʌt /

B2
  • noun
  • (Informal) fleshy part of your body you sit on
  • verb
  • To share a boundary by being next to

option

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US / 'ɒpʃn /

UK / ˈɑpʃən /

A2
  • noun
  • A choice
  • Right to buy or sell at a certain price and time

work

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US / wɜ:k /

UK / wɚk /

A1
  • adjecitve
  • Activity completed in order to make money
  • noun
  • The product of some artistic or literary endeavor
  • Everything created by an author, artist, musician
  • Activity you do in order to make money
  • Place of employment
  • Final product or result of a some labor or effort
  • verb
  • To bring into a specific state of success
  • To be functioning properly, e.g. a car
  • To do your job in your company or workplace
  • To make an effort to do something
  • To operate a machine or device

correctly

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US / kə'rektlɪ /

UK / kəˈrɛktlɪ /

A2
  • adverb
  • In an accurate or correct manner

court

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US / kɔ:t /

UK / kɔrt, kort /

A2
  • noun
  • Place king or queen meet people, makes laws etc.
  • Place where legal cases are decided
  • Large, flat area, to play tennis or basketball
  • verb
  • To act in a way to shows you wish to marry someone
  • To encourage dangerous behavior
  • To pay attention to someone to get their support

all

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US / ɔ:l /

UK / ɔl /

A1
  • adverb
  • Completely; totally
  • determiner
  • Being every one of something
  • pronoun
  • 100% of something; the complete amount

enormously

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US / ɪˈnɔ:məsli /

UK / ɪˈnɔ:rməsli /

B1
  • adverb
  • Extremely (happy, popular, etc.)

its

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US / ɪts /

UK / ɪts /

A1
  • adjecitve
  • Referring to or belonging to ‘it’
  • determiner
  • Of something; belonging or related to something
  • other
  • Possessive form of “it”

responsibility

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US / rɪˌspɒnsə'bɪlətɪ /

UK / rɪˌspɑnsəˈbɪlɪti /

A2
  • noun
  • Job, task or thing you are expected to look after
  • A thing to be done because it is morally correct
  • State of being dependable or reliable

return

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US / rɪ'tɜ:n /

UK / rɪ'tɜ:rn /

A1
  • adjecitve
  • Do again; repeated
  • noun
  • Faulty or unwanted product sent back to a company
  • Enter key; the main key on the computer keyboard
  • Profit made as a result of a business activity
  • Process of going back to a previous way or state
  • verb
  • To hit something back to the other player or team
  • To come back after being away from somewhere
  • To repay someone's actions, kindness etc.
  • To put, bring, take, give, or send something back
  • To occur again

account

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US / ə'kaʊnt /

UK / əˈkaʊnt /

A1
  • noun
  • An advantage
  • Arrangement with a bank to keep your money for you
  • An invoice for things bought
  • Arrangement whereby you can use online services
  • A description, often written, of events; report

ago

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US / əˈgəʊ /

UK / əˈgoʊ /

A1
  • adverb
  • At a specified length of time in the past

their

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US / ðɛː /

UK / ðer /

A1
  • determiner
  • Belonging to them

way

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US / weɪ /

UK / we /

A1
  • adverb
  • Used to emphasize the amount of something
  • noun
  • Particular aspect of something being thought about
  • One of various choices that could be made
  • Particular existing condition or state
  • (Often long) distance or length of time
  • How something is done
  • Route to go to a place
  • Small street
  • Usual behavior, emotions or habits of someone

bit

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US / bɪt /

UK / bɪt /

A1
  • noun
  • Device put in a horse's mouth to control it
  • Small piece of something
  • verb
  • (E.g. of fish) to take bait and be caught

customer

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US / ˈkʌstəmə(r) /

UK / ˈkʌstəmɚ /

A2
  • noun
  • Someone who buys goods or services from a business

cancel

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US / 'kænsl /

UK / ˈkænsəl /

A2
  • verb
  • To end a legal, business, or other agreement
  • To stop a planned event from happening

look

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US / lʊk /

UK / lʊk /

A1
  • noun
  • Person's beauty or physical attractiveness
  • Particular style of dress, clothes, or appearance
  • The way someone, something appears to be
  • Act of searching for or examining something
  • verb
  • To appear to be; seem

lucrative

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US / ˈlu:krətɪv /

UK / ˈlukrətɪv /

B1
  • adjecitve
  • Producing a lot of money

nice

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US / naɪs /

UK / naɪs /

A1
  • adjecitve
  • Being attractive or of high quality or value
  • Good or enjoyable
  • Being kind or friendly

miss

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US / mɪs /

UK / mɪs /

A1
  • noun
  • Action of not hitting something or someone
  • Form of address to unmarried girl or woman
  • verb
  • To be absent
  • To fail to hit something e.g. a ball
  • To do without something
  • To fail to see or sense something
  • To fail to understand someone's message
  • To be too late to ride on something e.g. train
  • To feel you want to see someone who is not there

pay

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US / peɪ /

UK / pe /

A1
  • noun
  • Money you receive from your job, work, etc.
  • verb
  • To give money for goods or work done
  • To give (attention, respect, etc.) to
  • To be punished or suffer for something you did
  • To make (a visit) to a person or place

thank

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US / θæŋk /

UK / θæŋk /

A1
  • verb
  • To tell someone you are grateful to them

change

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US / tʃeɪndʒ /

UK / tʃendʒ /

A1
  • noun
  • Exchange of one set of clothes for another
  • Money in the form of coins instead of paper
  • Money returned after giving too much
  • Act of making or becoming something else
  • verb
  • To exchange one set of clothes for another
  • To exchange one kind of money for another
  • To replace something with another thing
  • To make or become something else
  • To go from one train, bus, etc. and go to another

both

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US / bəuθ /

UK / boθ /

A1
  • determiner
  • Used to refer to two things at the same time
  • pronoun
  • Used to refer to two things at the same time

hold

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US / həʊld /

UK / hold /

A1
  • noun
  • Section of a ship or plane used for storing things
  • Influence or power held over someone
  • Place of support for hands or feet when climbing
  • verb
  • To agree to keep something for someone
  • To have the capacity to support/contain something
  • To control an area and protect it from attack
  • To not allow someone to leave a place
  • To cause an event to happen at a place or time
  • To use hands or arms to carry or keep something
  • To have a specific quality or property
  • To keep an image, belief or feeling in your mind
  • To have or own something
  • To wait before being able to talk on the phone
  • To limit the movement of someone in a sport

result

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US / rɪ'zʌlt /

UK / rɪˈzʌlt /

A2
  • noun
  • Something produced through tests or experiments
  • Final score of a competition, election or game
  • verb
  • To be the outcome of other causes and effects

severe

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US / sɪ'vɪə(r) /

UK / səˈvɪr /

A2
  • adjecitve
  • Very bad; harsh
  • Being very serious or extremely bad
  • (Of clothes, etc.) plain; simple; not decorated

show

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US / ʃəʊ /

UK / ʃo /

A1
  • noun
  • False display of love, emotion or action
  • An event for displaying or promoting goods
  • Play, opera or theater production
  • Presentation that is broadcast on TV or radio
  • verb
  • To be easily seen or displayed
  • To display your emotions or feelings
  • To let someone see something; display
  • To explain or teach how something is done
  • To lead someone somewhere; point them to something
  • To prove something to be true, correct
  • To reveal or allow something to be seen

add

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US / æd /

UK / æd /

A1
  • verb
  • To include as well
  • To put two things or numbers together, e.g. 2+2

emotionally

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US / ɪ'məʊʃənəlɪ /

UK / ɪˈmoʃənl:ɪ /

A2
  • adverb
  • In a way that shows your feelings

take

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US / teɪk /

UK / tek /

A1
  • noun
  • Filming of a single scene for TV or the movies
  • verb
  • To accept something that is offered
  • To use a method of traveling, e.g. a bus or train
  • To use a camera to make (a photo)
  • To pick up something and go away with it
  • To study a subject in school
  • To attempt to pass (an exam)
  • To require a certain amount of time, money, space

crappy

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US / ˈkræpi /

UK / ˈkræpi /

A1
  • adjecitve
  • Impolite term for not good, worthless

lapse

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US / læps /

UK / læps /

B2
  • noun
  • Mistake or error; halt, e.g. in concentration
  • verb
  • (Of license, etc.) to stop being valid; expire

everything

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US / 'evrɪθɪŋ /

UK / ˈɛvriˌθɪŋ /

A1
  • pronoun
  • All of the things mentioned

dollar

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US / ˈdɒlə(r) /

UK / ˈdɑ:lə(r) /

A1
  • noun
  • A basic unit of money equal to 100 cent

error

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US / ˈerə(r) /

UK / ˈɛrɚ /

A2
  • noun
  • Something that is not correct; a mistake

risk

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US / rɪsk /

UK / rɪsk /

A1
  • noun
  • Actions that cause potential problems
  • verb
  • To do something potentially dangerous or foolish

shoulder

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US / ˈʃəʊldə(r) /

UK / ˈʃoldɚ /

A2
  • noun
  • Part of the body where an arm attaches or joins
  • Meat that comes from an animal's upper front leg
  • Part of a shirt or coat that covers the shoulders
  • verb
  • To carry something around your neck
  • To push something using the top part of your arm
  • To accept a job or responsibility

they

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US / ðeɪ /

UK / ðe /

A1
  • pronoun
  • Two or more people, animals, or things

very

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US / 'verɪ /

UK / ˈvɛri /

A1
  • adjecitve
  • Concerning a large degree or amount
  • adverb
  • A lot; much; many
  • Used to stress or emphasize a noun

cover

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US / 'kʌvə(r) /

UK / ˈkʌvɚ /

A1
  • noun
  • A different version of another song
  • Bed sheets; blankets
  • (Police or military) protection from attack
  • Amount of money to be paid in an insurance claim
  • Thing you put over something to close or hide it
  • Front and back part of a book or magazine
  • Shelter built to protect from the natural elements
  • verb
  • To record a different version of another song
  • To include as part of its area
  • To put something over something to hide it
  • To discuss a subject in a talk or meeting
  • To form a layer over something so it is hidden
  • To have sufficient funds to pay for something
  • To include something within an agreed limit
  • To report news on TV, radio or in a newspaper
  • (Police or military) to protect from attack
  • To travel a certain distance in a given time
  • To wrap something with something, such as a cloth

before

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US / bɪˈfɔ:(r) /

UK / bɪˈfɔr,-ˈfor /

A1
  • adverb
  • At a time earlier than the present; previously
  • conjunction
  • In advance of something happening
  • preposition
  • In front of someone or something

almost

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US / 'ɔ:lməʊst /

UK / ˈɔlˌmost, ɔlˈmost /

A1
  • adverb
  • Only a little less than, nearly, not quite

confuse

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US / kənˈfju:z /

UK / kənˈfjuz /

A2
  • verb
  • To make something unclear or hard to understand

have

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US / həv /

UK / hæv /

A1
  • verb
  • To drink, smoke, eat or use something
  • To experience the effects of something
  • To organize an event, or join in an activity
  • To own, possess, or hold something
  • To cause to happen or produce a particular effect

last

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US / lɑ:st /

UK / læst /

A1
  • adjecitve
  • Most recent; the latest
  • The one before
  • adverb
  • Final; with nothing following; after all others
  • Most recent; the latest
  • determiner
  • The one at the end
  • verb
  • To remain or continue for a certain period of time

without

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US / wɪˈðaʊt /

UK / wɪðˈaʊt, wɪθ- /

A1
  • preposition
  • Not with; not having

correspondence

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US / ˌkɒrəˈspɒndəns /

UK / ˌkɔrɪˈspɑndəns, ˌkɑr- /

B1
  • noun
  • Quality of similarity or equality
  • Communication by letters, emails or text messages

costly

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US / 'kɒstlɪ /

UK / ˈkɔstli /

B1
  • adjecitve
  • Being very expensive, often wasteful

full

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US / fʊl /

UK / fʊl /

A1
  • adjecitve
  • Containing all the parts; complete
  • Containing or holding as much as possible
  • Having had enough food
  • adverb
  • In a direct manner; completely

notice

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US / 'nəʊtɪs /

UK / ˈnotɪs /

A1
  • noun
  • Time by when you must leave, e.g. if you are fired
  • Paper with an announcement, e.g. pinned to a board
  • verb
  • To become aware by sight, touch, or hearing

affair

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US / ə'feə(r) /

UK / əˈfɛr /

A2
  • noun
  • Secret sexual relationship between two people
  • Event or a set of events, often unpleasant ones

boy

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US / bɔɪ /

UK / bɔɪ /

A1
  • noun
  • A young male person

premium

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US / ˈpri:miəm /

UK / ˈprimiəm /

B1
  • adjecitve
  • Having a higher than normal quality
  • noun
  • Money paid as a fee for insurance

see

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US / si: /

UK / si /

A1
  • verb
  • To go on a date with someone
  • To predict whether something is, or will be true
  • To understand what someone says
  • To use your eyes to look at something
  • To visit a place often for sightseeing or pleasure
  • To visit or meet with someone
  • To find out by waiting or looking
  • To watch (a game, movie or TV show)

his

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US / hɪz /

UK / hɪz /

A1
  • pronoun
  • Something belonging to a male person

percent

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US / pə'sent /

UK / pɚˈsɛnt /

A2
  • adverb
  • One one-hundredth of a whole; the symbol %

process

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US / prə'ses /

UK / ˈprɑsˌɛs, ˈproˌsɛs /

A2
  • noun
  • Dealing with official forms in the way required
  • Set of changes that occur slowly and naturally
  • verb
  • To organize and use data in a computer
  • To deal with official forms in the way required
  • To prepare by treating something in a certain way
  • To adopt a set of actions that produce a result
  • To convert by putting something through a machine

with

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US / wɪð /

UK / wɪð, wɪθ /

A1
  • preposition
  • As an employee of a certain company
  • Against something or someone
  • By using something as a means
  • Due to; because of
  • Including
  • Possessing as a feature
  • Related to
  • (Of the manner/attitude by which you do something)
  • Used to express that people or things are together

away

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US / ə'weɪ /

UK / əˈwe /

A1
  • adjecitve
  • Not present
  • adverb
  • Disappear completely
  • Doing something with a lot of energy
  • Not here; far from here; in a different direction
  • To a different area, location

federal

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US / 'fedərəl /

UK / ˈfɛdərəl, ˈfɛdrəl /

B1
  • adjecitve
  • Consisting of several united states

hundred

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US / 'hʌndrəd /

UK / ˈhʌndrɪd /

A1
  • number
  • 100

month

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US / mʌnθ /

UK / mʌnθ /

A1
  • noun
  • One of 12 28-31 day periods in the year

properly

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US / ˈprɔpəlɪ /

UK / ˈprɑːpərli /

A2
  • adverb
  • In an appropriate or correct manner

could

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US / kəd /

UK / kʊd /

A1
  • other
  • Past form of 'can' to mean have ability
  • Used to ask for something politely, or to offer

injury

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US / 'ɪndʒərɪ /

UK / ˈɪndʒəri /

A2
  • noun
  • Physical or emotional harm or damage

know

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US / nəʊ /

UK / noʊ /

A1
  • verb
  • To be familiar with a person or place, thing
  • To feel sure or be convinced about something
  • To discover or be aware of something
  • To be able to distinguish
  • To have knowledge of things

suffer

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US / 'sʌfə(r) /

UK / ˈsʌfɚ /

A2
  • verb
  • To experience pain, illness, or injury

willing

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US / 'wɪlɪŋ /

UK / ˈwɪlɪŋ /

A2
  • adjecitve
  • Act of making a choice
  • verb
  • To leave property to someone after your death
  • To use mental effort to make something happen
  • To influence someone to do something
  • To make something happen by strongly wanting it

bungle

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US / ˈbʌŋɡl /

UK / ˈbʌŋɡl /

C1
  • verb
  • To do a task badly or wrongly; mess up

flea

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US / fli: /

UK / fli /

B2
  • noun
  • Small blood-sucking insect that makes you itch

mind

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US / maɪnd /

UK / maɪnd /

A1
  • noun
  • One's opinion or way of thinking about something
  • Part of humans that allows us to think or feel
  • verb
  • To be bothered or upset by something
  • To take care of someone e.g. as a bodyguard

problem

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US / ˈprɒbləm /

UK / ˈprɑbləm /

A1
  • adjecitve
  • Causing trouble
  • noun
  • Something difficult to deal with or causes trouble
  • Question to show understanding of a math concept

another

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US / əˈnʌðə(r) /

UK / əˈnʌðɚ /

A1
  • adjecitve
  • One more, but not this
  • determiner
  • One more added
  • pronoun
  • One more (thing)

issue

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US / 'ɪʃu: /

UK / ˈɪʃu /

A2
  • noun
  • Important topic discussed, debated or argued over
  • Single edition of a magazine
  • verb
  • To make something available to be used or sold
  • To deliver a statement, etc. in an official manner

hurt

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US / hɜ:t /

UK / hɚt /

A1
  • noun
  • Mental, emotional, or physical pain
  • verb
  • To cause pain, damage or injury

intact

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US / ɪn'tækt /

UK / ɪn'tækt /

B1
  • adjecitve
  • Being complete, without damaged or missing parts

administer

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US / əd'mɪnɪstə(r) /

UK / ædˈmɪnɪstɚ /

B2
  • verb
  • To give e.g. medicine to a patient
  • To manage or have responsibility for something
  • To ensure something is performed correctly, fairly

any

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US / 'enɪ /

UK / ˈɛni /

A1
  • adjecitve
  • One, or some, no matter which
  • pronoun
  • One (thing) of many; some

come

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US / kʌm /

UK / kʌm /

A1
  • verb
  • To arrive at a place
  • (Of mail) to be delivered
  • To move toward someone; go with someone
  • To reach a certain point or state

company

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US / 'kʌmpənɪ /

UK / ˈkʌmpəni /

A1
  • noun
  • Good feeling from being with someone else
  • A business that sells things or provides services
  • Guests, especially in your home
  • Being with another person rather than alone

policy

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US / 'pɒləsɪ /

UK / ˈpɑlɪsi /

A2
  • noun
  • Document stating terms of an insurance agreement
  • Course of action proposed by an organization, etc.

think

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US / θɪŋk /

UK / θɪŋk /

A1
  • verb
  • To have an idea about something without certainty
  • To have an idea, opinion or belief about something

appropriate

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US / ə'prəʊprɪət /

UK / əˈpropriɪt /

A2
  • adjecitve
  • Right or suitable for some situation or purpose
  • verb
  • To set aside money for a specific later purpose
  • To take (money or goods) without permission

call

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US / kɔ:l /

UK / kɔl /

A1
  • noun
  • A order or request for action
  • The sound an animal makes, often when in danger
  • A correct prediction, e.g. a decision in a game
  • A short visit to a place or person
  • A decision by a referee or umpire in a game
  • verb
  • To make a request or order for action
  • (Animal) to make sounds to warn of danger
  • To announce the date of an election
  • To make a judgment about something
  • To give someone or something a name
  • To guess in advance the result or outcome
  • To visit a place or person for a short time
  • To phone someone
  • To speak, announce or shout in a loud voice

leave

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US / li:v /

UK / liv /

A1
  • noun
  • Permission to do something
  • Vacation time; time off work
  • verb
  • To go away from; depart
  • To gift property to someone after you die
  • To allow something to continue happening
  • To let something remain unused or available
  • To let something or someone remain somewhere

owner

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US / ˈəʊnə(r) /

UK / ˈoʊnə(r) /

A1
  • noun
  • Person who owns or has something

surgery

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US / 'sɜ:dʒərɪ /

UK / ˈsɚdʒəri /

B1
  • noun
  • A doctor's office; health clinic
  • Medical operation involving cutting into body

where

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US / hwɛə /

UK / hwɛr, wɛr /

A1
  • conjunction
  • At or in the place which
  • In whatever place
  • pronoun
  • Word you use to ask the location of something

and

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US / ənd /

UK / ənd, ən,ænd /

A1
  • conjunction
  • Used to refer to two or more things
  • Plus; in addition; on top of that
  • Used to introduce an action that follows another

back

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US / bæk /

UK / bæk /

A1
  • adjecitve
  • Farthest from the front e.g. in a classroom
  • adverb
  • Have returned to a place you were before
  • noun
  • The part of a chair that the upper body leans upon
  • Location at the rear of something
  • The reverse of side something
  • Area on the rear of your body
  • verb
  • To bet money on something
  • To go backwards in a car
  • To support and encourage someone or some cause

guy

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US / ɡaɪ /

UK / ɡaɪ /

A1
  • noun
  • Man; boy; any person

lot

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US / lɒt /

UK / lɑt /

A1
  • noun
  • What happens to a person in life from chance; fate
  • A group of people seen together
  • Item for sale at an auction
  • Small area of land used for a purpose e.g. parking

lawyer

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US / ˈlɔ:jə(r) /

UK / ˈlɔjɚ /

B1
  • noun
  • Professional who helps people with the law

hopefully

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US / ˈhəʊpfəli /

UK / ˈhopfəli /

A2
  • adverb
  • In a manner wishing something to happen

huh

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US / hʌ /

UK / hʌ /

A1
  • exclamation
  • Sound people make when they are confused

ninth

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US / naɪnθ /

UK / naɪnθ /

A1
  • noun
  • 9th

money

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US / 'mʌnɪ /

UK / ˈmʌni /

A1
  • noun
  • Coins or notes we use to pay for things

pain

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US / peɪn /

UK / pen /

A1
  • noun
  • Strong feeling of hurt or discomfort
  • Something or someone that bothers or upsets you
  • verb
  • To cause someone to feel upset or worry

stomp

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US / stɒmp /

UK / stɑ:mp /

C1
  • noun
  • A walk, dance, or movement with heavy steps
  • verb
  • To walk, dance, or move with heavy steps

until

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US / ənˈtɪl /

UK / ʌnˈtɪl /

A1
  • conjunction
  • Up to; to a time when something happens
  • preposition
  • Before (a specific time)

waive

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US / weɪv /

UK / wev /

B2
  • verb
  • To allow a rule to be ignored; dispense with

couple

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US / 'kʌpl /

UK / ˈkʌpəl /

A2
  • noun
  • Two people in a romantic relationship
  • Two of something; two people; a pair
  • verb
  • To join something to something else
  • (Two animals) to engage in sexual relations
  • To put two people or things together

cancellation

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US / ˌkænsəˈleɪʃn /

UK / ˌkænsəˈleʃən /

A2
  • noun
  • Act of stopping a planned event from happening

forever

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US / fər'evə(r) /

UK / fɔrˈɛvɚ, fə- /

B1
  • adverb
  • For all future time; in the future

forty

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US / 'fɔ:tɪ /

UK / ˈfɔrti /

A1
  • number
  • 40

keep

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US / ki:p /

UK / kip /

A1
  • noun
  • Large, strong tower in the middle of a castle
  • Money spent on you so you can live in a place
  • verb
  • To continue doing something; not to stop
  • To stop balls going in a goal in sports
  • To not give back or return something
  • (Of food) to not spoil or not rot
  • To take possession of something to own, e.g. a pet
  • To have and continue to hold something
  • To do something that you have promised or agreed
  • To stay in a certain place or condition
  • To maintain the rules

nineteen

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US / ˌnaɪnˈti:n /

UK / naɪnˈtin /

A1
  • number
  • 19

direct

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US / də'rekt /

UK / dɪˈrɛkt, daɪ- /

A2
  • adverb
  • Coming straight from something
  • verb
  • To tell someone in a very clear way to do something
  • To show the way by conducting or leading
  • To control the acting in a movie or play

kid

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US / kɪd /

UK / kɪd /

A2
  • adjecitve
  • Made from young goat skin
  • noun
  • Child or young person
  • Young goat
  • verb
  • To make fun of someone in a gentle way; to tease

rung

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US / rʌŋ /

UK / rʌŋ /

A1
  • verb
  • To draw a circular shape or mark around something
  • To make a loud, noisy constant sound
  • To produce a sound from a bell, alarm or telephone
  • To call someone using a phone

august

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US / ɔːˈɡʌst /

UK / ɔːˈɡʌst /

A1
  • adjecitve
  • (of person) Well known and respected
  • noun
  • 8th month of the year

comedy

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US / 'kɒmədɪ /

UK / ˈkɑmɪdi /

A2
  • noun
  • Amusing play, film, usually with a happy ending

nine

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US / naɪn /

UK / naɪn /

A1
  • number
  • 9

only

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US / ˈəunli /

UK / ˈonli /

A1
  • adverb
  • Just one; just that amount or thing; not more than
  • Not very important or serious
  • Just that type of thing, person
  • Short time ago; not before a certain time
  • conjunction
  • Except; but

ten

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US / ten /

UK / tɛn /

A1
  • number
  • 10

two

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US / tu: /

UK / tu /

A1
  • number
  • 2

anything

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US / ˈeniθɪŋ /

UK / ˈɛniˌθɪŋ /

A1
  • pronoun
  • A thing of any kind

from

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US / frəm /

UK / frʌm, frɑm,frəm /

A1
  • preposition
  • Starting at a particular place, time or level

plenty

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US / 'plentɪ /

UK / ˈplɛnti /

A2
  • pronoun
  • When there is not too little of something; a lot

out

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US / aʊt /

UK / aʊt /

A1
  • adverb
  • No longer stylish (e.g. fashion)
  • Away from home, business, or the usual place
  • In a direction/movement away from inside or center
  • noun
  • Act when a batter cannot continue playing
  • verb
  • To tell people a secret

email

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US / 'i:meɪl /

UK / 'i:meɪl /

A1
  • noun
  • A message like a letter sent by computer or phone
  • verb
  • To send an electronic letter via computer or phone

fix

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US / fɪks /

UK / fɪks /

A2
  • noun
  • Answer to a problem
  • verb
  • To arrange or prepare something
  • To attach something so it will not move or change
  • To dishonestly arrange the result of a game
  • To make an animal unable to produce young
  • To make something whole or able to work again

insurer

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US / ɪnˈʃʊərə(r) /

UK / ɪnˈʃʊrɚ /

A2
  • noun
  • Financial institution that sells insurance

not

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US / nɒt /

UK / nɑt /

A1
  • adverb
  • Word indicating the negative
  • (Used to form the negative of verbs)

our

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US / 'aʊə(r) /

UK / aʊr /

A1
  • determiner
  • Belonging to us

october

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US / ɒkˈtəʊbə(r) /

UK / ɑkˈtobɚ /

A1
  • noun
  • 10th month of the year

survive

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US / sə'vaɪv /

UK / sɚˈvaɪv /

A2
  • verb
  • To continue to live despite illness or trouble

business

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US / ˈbɪznəs /

UK / ˈbɪznɪs /

A1
  • noun
  • A company formed for making profit
  • Matter that has to be dealt with; task; situation
  • Activity of working to make a profit

pleasure

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US / 'pleʒə(r) /

UK / ˈplɛʒɚ /

A2
  • noun
  • Feeling of happiness, enjoyment, or satisfaction

sense

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US / sens /

UK / sɛns /

A1
  • noun
  • Certain mental feeling or emotion
  • Normal or clear state of mind
  • Meaning of a particular word, phrase or text
  • verb
  • To perceive using sight, sound, taste touch etc.
  • To recognize the presence of something

seven

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US / ˈsevn /

UK / ˈsɛvən /

A1
  • number
  • Number 7

sum

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US / sʌm /

UK / sʌm /

A2
  • noun
  • Amount when all is added together; total
  • verb
  • To add two or more numbers together; total

usually

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US / ˈju:ʒuəli /

UK / ˈjuːʒuəli /

A1
  • adverb
  • Normally; regularly

want

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US / wɔnt /

UK / wɑnt, wɔnt /

A1
  • noun
  • Something you desire or wish for
  • State or condition of poverty
  • verb
  • To desire or wish for something; hope for a thing

weight

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US / weɪt /

UK / wet /

A2
  • noun
  • How heavy something is
  • Metal object to measure how heavy something is
  • Importance, power, and influence person, thing has
  • A source of worry, sadness, or emotional stress

deal

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US / di:l /

UK / dil /

A1
  • verb
  • To cope with something - usually troubles
  • To give (something bad e.g. news) to
  • To buy and sell illegal drugs
  • To give out (cards, etc.) to; distribute
  • To do business with someone or to sell products

legacy

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US / 'leɡəsɪ /

UK / ˈlɛɡəsi /

B2
  • noun
  • Literature, arts etc. from previous generations
  • Something left or given by a person who has died

law

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US / lɔ: /

UK / lɔ /

A1
  • noun
  • Field of study that relates to the legal profession
  • A rule made and enforced by a government
  • System or rules made by the government

now

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US / naʊ /

UK / naʊ /

A1
  • adverb
  • At the present time or moment
  • Right away or in the next possible moment
  • Used to refer to something that just happened
  • Time between the present and a moment in the past
  • conjunction
  • Resulting from or because of something

exhaust

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US / ɪɡ'zɔ:st /

UK / ɪɡˈzɔst /

A2
  • noun
  • System of pipes through which gases escape
  • Waste gas from an engine, e.g. from a car
  • verb
  • To emit gas from the back of a car
  • To make a person feel very tired or without energy
  • To entirely use up a resource, possibilities etc.

compare

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US / kəm'peə(r) /

UK / kəmˈpɛr /

A1
  • verb
  • To consider how similar and different things are

dirty

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US / ˈdɜ:ti /

UK / ˈdɜ:rti /

A2
  • adjecitve
  • Not clean
  • Not fair; dishonest or dishonorable
  • verb
  • To make something not clean; soil

luck

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US / lʌk /

UK / lʌk /

A1
  • noun
  • Accidental way things happen, often good things

please

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US / pli:z /

UK / pliz /

A1
  • adverb
  • Used when you politely ask people for things
  • verb
  • To entertain someone, by dancing, singing etc.
  • To make someone happy by doing something

pick

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US / pɪk /

UK / pɪk /

A1
  • noun
  • Sharp tool used for breaking the ground
  • Item selected from a group of choices
  • verb
  • To take fruit or vegetables from a plant or tree
  • To decide on a thing from various choices; select
  • To remove (flower, etc.) with your fingers

really

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US / ˈri:əli /

UK / ˈriəˌli, ˈrili /

A1
  • adverb
  • Used to stress something that is said; definitely
  • In a true or accurate manner
  • Very

would

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US / wʊd /

UK / wʊd /

A1
  • other
  • Used to indicate something imagined
  • Used to ask or request something politely
  • Verb used to indicate possibility, request etc.
  • Used to indicate a preference
  • Used to indicate a reaction
  • Indicates something that occurred repeatedly
  • Used to indicate willingness or ability to do

understand

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US / ˌʌndə'stænd /

UK / ˌʌndɚˈstænd /

A1
  • verb
  • To know the meaning of language, what someone says

can

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US / kæn /

UK / kən,kæn /

A1
  • noun
  • A metal container for storing food
  • other
  • Able to; have the skill to; have the time to
  • verb
  • To have permission to
  • To be possible to do
  • To preserve food by sealing it in a metal container

fifth

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US / fɪfθ /

UK / fɪfθ /

A1
  • noun
  • 5th

income

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US / ˈɪnkʌm /

UK / ˈɪnˌkʌm /

A1
  • noun
  • Earned money from work, investments or business

notify

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US / 'nəʊtɪfaɪ /

UK / ˈnotəˌfaɪ /

B2
  • verb
  • To inform; to communicate specific information

record

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US / 'rekɔ:d /

UK / ˈrekərd /

A1
  • noun
  • Highest or most extreme level achieved
  • Round plastic disc on which music has been stored
  • History of a person's past actions or achievements
  • verb
  • To indicate a temperature, speed, etc.; register
  • To write down or say what happened
  • To put music, sounds onto a device to store it

tough

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US / tʌf /

UK / tʌf /

A2
  • adjecitve
  • (Of food) difficult to chew or bite through
  • Very difficult to do or deal with
  • Having strict standards
  • Being firm and not easily bent or broken
  • Being strong physically or mentally
  • Being difficult to persuade
  • Capable of violence

but

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US / bət /

UK / bʌt,bət /

A1
  • conjunction
  • Used before you say something different, opposite

good

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US / ɡʊd /

UK / ɡʊd /

A1
  • adjecitve
  • Proper, appropriate or right
  • (Of an amount) enough; plenty
  • Excellent; high quality
  • Acting well or properly; of moral character
  • In a positive or happy emotional state
  • noun
  • Advantage or benefit

give

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US / ɡɪv /

UK / ɡɪv /

A1
  • noun
  • Degree of flexibility in something, a material
  • verb
  • To hand over or present something to someone
  • To cause someone to have or experience something

fifty

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US / 'fɪftɪ /

UK / ˈfɪfti /

A1
  • number
  • 50

life

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US / laɪf /

UK / laɪf /

A1
  • noun
  • All the living things e.g. animals, plants, humans
  • Period of time things live, from birth to death

prosthetic

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US / prɒs'θetɪk /

UK / prɑsˈθɛtɪk /

A1
  • adjecitve
  • Artificial

single

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US / 'sɪŋɡl /

UK / ˈsɪŋɡəl /

A1
  • adjecitve
  • Being one only, without others
  • Only; merely
  • Not married or in a relationship
  • noun
  • One run in cricket or a hit baseball
  • An individual song from a CD or album
  • Person who is not married or in a relationship

zero

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US / ˈzɪərəʊ /

UK / ˈzɪroʊ /

A1
  • noun
  • Temperature when water turns to ice
  • number
  • Number 0
  • verb
  • To set a scale or other device to show 0

address

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US / ə'dres /

UK / əˈdrɛs /

A1
  • noun
  • Exact street location of a place
  • A formal speech to a group of people
  • verb
  • To write the place someone lives on a letter
  • To refer to someone or something formally
  • To make a formal speech to a group of people
  • To try to find a solution to; think about

become

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US / bɪ'kʌm /

UK / bɪˈkʌm /

A1
  • verb
  • To begin to be; grow to be; develop into
  • To be suitable for a particular job or role

lump

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US / lʌmp /

UK / lʌmp /

B1
  • noun
  • Small swollen mass in body, e.g. showing disease
  • A small hard part of something smooth
  • verb
  • To combine things together in a group

july

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US / dʒuˈlaɪ /

UK / dʒʊˈlaɪ /

A1
  • noun
  • 7th month of the year

same

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US / seɪm /

UK / sem /

A1
  • adjecitve
  • Being equal in quality and amount
  • Identical; not different
  • Not changing; constant

tiny

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US / 'taɪnɪ /

UK / ˈtaɪni /

A2
  • adjecitve
  • Very, very small

arm

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US / ɑ:m /

UK / ɑrm /

A1
  • noun
  • Part of your body from your shoulder to your hand
  • A branch of another object e.g. company
  • The side part of a chair where your arms go
  • The influence or power an authority has
  • verb
  • To activate a weapon or bomb for use
  • To give a gun or other weapon to a person or group

fourteen

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US / ˌfɔ:ˈti:n /

UK / fɔrˈtin /

A1
  • number
  • 14

discuss

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US / dɪˈskʌs /

UK / dɪˈskʌs /

A1
  • verb
  • To talk about seriously or in great detail

jamie

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US / dʒeimz /

UK / dʒemz /

A1

this

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US / ðɪs /

UK / ðɪs /

A1
  • adjecitve
  • Used to indicate something already been discussed
  • Used to indicate something happening around now
  • adverb
  • An indication by a physical motion or gesture
  • A specific amount of
  • determiner
  • Person, thing, or idea near you
  • pronoun
  • Person, thing that has already been discussed

wash

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US / wɒʃ /

UK / wɑ:ʃ /

A1
  • noun
  • Clothes or other items that need cleaning
  • Movement of water with or against something else
  • verb
  • To clean someone or something with soap and water
  • To move somewhere by flowing

truck

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US / trʌk /

UK / trʌk /

A2
  • noun
  • Homegrown vegetables and fruit for sale
  • Large vehicle suitable for transporting things
  • Simple frame with wheels for moving things; cart
  • verb
  • To transport something on a lorry, van

big

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US / bɪɡ /

UK / bɪɡ /

A1
  • adjecitve
  • Popular
  • Serious
  • Large

client

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US / 'klaɪənt /

UK / ˈklaɪənt /

A2
  • noun
  • Person paying for professional services

let

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US / let /

UK / lɛt /

A1
  • verb
  • To allow someone to do something
  • Introducing a suggestion to do something together
  • To rent a house, etc. to others

little

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US / 'lɪtl /

UK / ˈlɪtl /

A1
  • adjecitve
  • Being short in length of time
  • Not great in size, amount, or degree; small
  • Being very young or younger than others
  • adverb
  • By an amount or degree that is not very much
  • Not often; rarely
  • noun
  • A person's name

receive

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US / rɪ'si:v /

UK / rɪˈsiv /

A1
  • verb
  • To get something someone has given or sent to you
  • To allow someone to become a member (of a club)
  • To welcome someone as a guest into your home
  • To respond to (e.g. news) in a particular way

the

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US / ðə /

UK / ðə /

A1
  • article
  • Used to refer to something already mentioned
  • Used to show there is only one of something
  • determiner
  • Used to describe all of a family

unfortunately

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US / ʌnˈfɔ:tʃənətli /

UK / ʌnˈfɔːrtʃənətli /

B1
  • adverb
  • In a way that is to be regretted; unluckily

accept

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US / ək'sept /

UK / ækˈsɛpt /

A1
  • verb
  • To agree to receive or take something offered
  • To admit that something is true or correct

mate

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US / meɪt /

UK / met /

B1
  • noun
  • A friend who you work, live, or go to school with
  • Partner in a (sexual) relationship
  • One of a matched pair e.g. a shoe or glove
  • A kind of officer on a ship
  • other
  • Person your wish to, or are married to
  • verb
  • To pair a male and female so they have children
  • To join or fit two things together

physical

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US / ˈfɪzɪkl /

UK / ˈfɪzɪkəl /

A2
  • adjecitve
  • Concerning the body of a person
  • Concerning things that can be seen or touched
  • noun
  • Health check at the doctors' or hospital

state

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US / steɪt /

UK / stet /

A1
  • adjecitve
  • Concerning region within a country
  • noun
  • Region within a country, with its own government
  • Situation or condition something is in
  • verb
  • To say; declare as fact

also

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US / 'ɔ:lsəʊ /

UK / ˈɔlso /

A1
  • adverb
  • In addition; too; in a similar way

fine

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US / faɪn /

UK / faɪn /

A2
  • adjecitve
  • Good, acceptable or satisfactory
  • Of high quality; made with great skill
  • In a careful or exact manner; into small pieces
  • Being of high quality
  • Good; okay; no problem
  • (Of weather) good; not raining
  • noun
  • Money you have to pay because you broke a rule
  • verb
  • To pay money because you broke a law

five

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US / faɪv /

UK / faɪv /

A1
  • number
  • 5

live

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US / lɪv /

UK / liv /

A1
  • adjecitve
  • Being broadcast as events happen, not recorded
  • Carrying electric current; able to give a shock
  • Glowing because burning; hot
  • Not yet killed (for food)
  • adverb
  • (Music, drama) as it is performed
  • verb
  • To be alive
  • To experience a particular type of life
  • To make your home in a house or town

how

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US / haʊ /

UK / haʊ /

A1
  • adjecitve
  • To what degree? in what amount?
  • adverb
  • (Used to explain the way to do something)
  • exclamation
  • For what purpose or reason?
  • (Used to ask someone or something's condition)

payment

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US / ˈpeɪmənt /

UK / ˈpemənt /

A2
  • noun
  • Amount of money that is paid for something

simply

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US / ˈsɪmpli /

UK / ˈsɪmpli /

A1
  • adverb
  • In an easy or clear manner

year

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US / jə: /

UK / jɪr /

A1
  • noun
  • Unit of time equal to 12 months or 365 or 366 days
  • Used to refer to the age of a person

you

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US / jʊ /

UK / ju /

A1
  • pronoun
  • Person someone is speaking or writing to
  • Person or people in general

able

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US / 'eɪbl /

UK / ˈebəl /

A2
  • adjecitve
  • Skilled; good at something
  • Having the ability to do something

bad

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US / bæd /

UK / bæd /

A1
  • adjecitve
  • Not good; wrong
  • Lacking in good morals; evil
  • No longer fresh; spoiled

three

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US / θri: /

UK / θri /

A1
  • number
  • Number 3

entire

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US / ɪn'taɪə(r) /

UK / ɛnˈtaɪr /

A2
  • adjecitve
  • Complete or full; with no part left out; whole

forward

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US / 'fɔ:wəd /

UK / ˈfɔrwəd /

A1
  • adjecitve
  • Toward what is ahead; in front
  • Acting in a socially aggressive manner; pushy
  • adverb
  • Toward the front in place; in front
  • Toward a future time; to a more advanced state
  • verb
  • To send something to another address or person

message

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US / 'mesɪdʒ /

UK / ˈmɛsɪdʒ /

A2
  • noun
  • Main idea or theme in a story, book, or film
  • Piece of information that is told/given to someone
  • verb
  • To communicate using text

other

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US / 'ʌðə(r) /

UK / ˈʌðər /

A1
  • adjecitve
  • A thing different from that mentioned
  • determiner
  • (Something) else; not the first (one)
  • pronoun
  • Being the one and only thing of that category

one

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US / wʌn /

UK / wʌn /

A1
  • pronoun
  • You; we; people in general; someone
  • The thing or person previously referred to
  • adjecitve
  • Used to refer to people generally
  • Being a strong example of (something mentioned)
  • number
  • Number 1

open

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US / 'əʊpən /

UK / ˈopən /

A1
  • adjecitve
  • Available for use; accessible
  • Not being hidden; available for others to see
  • Being available for customers to enter or use
  • Allowing everyone to use or take part in
  • Not secret anymore
  • Not closed or shut
  • Willing to accept new ideas and thoughts
  • noun
  • Name for a tennis or golf competition
  • verb
  • To make accessible or able to be used, e.g. road
  • To start the activities or services of a business
  • To make a space or hole appear in something
  • To move or change so that it is no longer closed
  • To start something, e.g. a new business

than

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US / ðən /

UK / ðən /

A1
  • conjunction
  • Used to compare two things that are not equal

make

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US / meɪk /

UK / mek /

A1
  • noun
  • Product made by a particular company; brand
  • verb
  • To arrange or prepare something e.g. dinner
  • To get to (a place) on time
  • To gain the status of (teacher, lawyer, etc.)
  • To create something by putting things together
  • To earn a certain amount of money at a job
  • To cause or force a person to do something
  • To cause something to happen or be formed

run

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US / rʌn /

UK / rʌn /

A1
  • noun
  • Journey between two places made by ship or car
  • Series of similar things or successes and failures
  • Act of running; exercise of running
  • verb
  • To depart or travel according to a schedule
  • To cause an animal to move in a certain direction
  • (Of an engine) to be operating
  • To start or use a computer program
  • To flow in a certain direction, like a liquid
  • To manage or operate a business
  • To operate or drive something
  • (Of a road) to go from one place to another
  • To move your legs faster than walking

follow

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US / ˈfɔləu /

UK / ˈfɑlo /

A1
  • verb
  • To come after someone; be guided by someone
  • To support someone, e.g. singer or comedian
  • To be the logical result of something
  • To happen after something else happens
  • To believe a set of values or a moral teacher
  • To understand something happening or being said

ask

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US / ɑ:sk /

UK / æsk /

A1
  • verb
  • To say to someone that you want something

since

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US / sɪns /

UK / sɪns /

A1
  • adverb
  • At a point before the present time
  • conjunction
  • For this reason; because
  • preposition
  • From the time in the past that

start

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US / stɑ:t /

UK / stɑrt /

A1
  • noun
  • First time or place that a thing exists; beginning
  • First opportunity to achieve something, e.g. a job
  • Sudden action or movement because you are scared
  • other
  • Beginning of something in place or time
  • verb
  • To do, be or happen for the first time; begin
  • To turn something on

well

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US / wel /

UK / wɛl /

A1
  • adjecitve
  • Being in a fortunate, good condition or state
  • Healthy and in good condition
  • adverb
  • In an acceptable, proper, or successful manner
  • In a complete, total, or full manner
  • A great and considerable degree
  • In a successful way, in a good or satisfactory way
  • exclamation
  • Used to begin or continue a particular statement
  • Used to show you want to start saying something
  • Used to express that you are waiting for a reply
  • You say this to change the topic of a conversation
  • Used to indicate you are making a final remark
  • noun
  • Long deep hole in the ground to get water
  • verb
  • To cause your eyes to fill with tears

begin

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US / bɪ'ɡɪn /

UK / ˈbeɡɪn /

A1
  • verb
  • To do the first part of an action; to start

job

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US / dʒɒb /

UK / dʒɑ:b /

A1
  • noun
  • Something that must be done
  • Regular work at which you earn money

such

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US / sʌtʃ /

UK / sʌtʃ /

A1
  • determiner
  • Being similar to
  • (Thing) as previously stated or referred to
  • adverb
  • (Used to emphasize the quality of an adjective)

responsible

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US / rɪ'spɒnsəbl /

UK / rɪˈspɑnsəbəl /

A2
  • adjecitve
  • Being the cause of something that has occurred
  • Having the duty of dealing with something
  • Able to be trusted to do what needs to be done

situation

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US / ˌsɪtʃuˈeɪʃn /

UK / ˌsɪtʃuˈeʃən /

A1
  • noun
  • Place, position or area that something is in
  • Circumstance or condition surrounding an event
  • An unexpected problem or difficulty

extremely

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US / ɪkˈstri:mli /

UK / ɪk'strimlɪ /

B1
  • adverb
  • In a way that is much more than usual or expected

fact

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US / fækt /

UK / fækt /

A1
  • noun
  • Something that is known or proved to be true

much

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US / mʌtʃ /

UK / mʌtʃ /

A1
  • adjecitve
  • Very; to a high level or degree
  • adverb
  • A lot; large amount; a high degree of
  • Nearly; basically
  • On many occasions; often
  • noun
  • A large amount; a great quantity

strong

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US / strɒŋ /

UK / strɔŋ /

A1
  • adjecitve
  • (Of tea or beer) dark or thick
  • Having big muscles; physically powerful

system

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US / 'sɪstəm /

UK / ˈsɪstəm /

A1
  • adjecitve
  • Working in an organized, logical way
  • noun
  • Set of organized, planned ideas that work together

amount

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US / ə'maʊnt /

UK / əˈmaʊnt /

A1
  • noun
  • Quantity of something
  • verb
  • To add up to a certain figure

benefit

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US / 'benɪfɪt /

UK / ˈbɛnəfɪt /

A2
  • noun
  • Good result or effect, something advantageous
  • verb
  • To have a good effect or be helpful

anyway

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US / ˈeniweɪ /

UK / ˈɛniˌwe /

A1
  • adverb
  • A word used to change the topic of a conversation

head

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US / hed /

UK / hɛd /

A1
  • noun
  • Counter for the number of cattle
  • Natural mental ability or intelligence
  • Leader or person with the greatest authority
  • Mind; mental ability; mental state
  • Side of a coin with a head on it
  • Top part of your body with eyes and a mouth
  • Starting point of something, e.g. a river
  • verb
  • To hit a ball with your head in a game
  • To be first or at the front or top (e.g. a list)
  • To travel or move toward a particular place; To go in a particular direction
  • To become the leader of something
  • To lead or be responsible for something

never

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US / 'nevə(r) /

UK / ˈnɛvɚ /

A1
  • adverb
  • Not ever; not at any time

send

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US / send /

UK / sɛnd /

A1
  • verb
  • To cause to behave or respond in a particular way
  • To cause mail or packages to go to another place
  • To move something quickly in a particular way
  • To give information or greetings to someone

protection

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US / prəˈtekʃn /

UK / prəˈtɛkʃən /

A2
  • noun
  • Being kept from harm
  • Something that defends against harm or danger

unbearable

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US / ʌnˈbeərəbl /

UK / ʌnˈbɛrəbəl /

B1
  • adjecitve
  • Not able to be accepted or tolerated

existent

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US / ɪgˈzɪstənt /

UK / ɪɡˈzɪstənt /

B1
  • adjecitve
  • Still existing; real; actual

letter

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US / 'letə(r) /

UK / ˈlɛtɚ /

A1
  • noun
  • One of the 26 parts of the English alphabet
  • Message you put in an envelope and send by post

home

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US / həʊm /

UK / hom /

A1
  • adjecitve
  • A sports team's own field or place of play
  • adverb
  • Into the correct or intended position
  • noun
  • House, apartment or building to be rented or sold
  • Institution for sick or elderly people
  • Place where a person or a family lives
  • Country where a person lives or was born
  • Region that is native to peoples, plant or animals
  • verb
  • To move towards a particular target location

just

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US / dʒʌst /

UK / dʒʌst /

A1
  • adjecitve
  • Proper or appropriate; as is deserved
  • Doing or being what is right or fair
  • Legally correct; having enough evidence
  • adverb
  • Almost; nearly
  • Exactly at the time of
  • Exactly (the same as, like)

insurance

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US / ɪnˈʃʊərəns /

UK / ɪnˈʃʊrəns /

A2
  • noun
  • Protection against loss/injury/death you pay for

line

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US / laɪn /

UK / laɪn /

A1
  • noun
  • Border that divides two places or regions
  • Long crease in the skin, often from age
  • Mark that is long, straight and very thin
  • Row of words, letters or numbers that are written
  • Telephone connection
  • People waiting one behind the other; queue
  • Long thin wire, e.g. for electrical signal
  • verb
  • To put material along the inside of something

request

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US / rɪ'kwest /

UK / rɪˈkwɛst /

A2
  • noun
  • Thing that has been asked for
  • verb
  • To ask for, usually politely and formally

recover

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US / rɪ'kʌvə(r) /

UK / rɪ'kʌvər /

A2
  • verb
  • To return to a prior normal condition
  • To get back something that was lost

control

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US / kən'trəʊl /

UK / kənˈtrol /

A1
  • noun
  • A device designed to operate a machine
  • Participant in experiment that is left untouched
  • Act to dominate or command; make manageable
  • A law limiting the growth or spread of something
  • A place which overseas or manages e.g. a factory
  • verb
  • To direct or influence the behavior of something

debit

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US / ˈdebɪt /

UK / ˈdɛbɪt /

C1
  • noun
  • Amount of money taken out of an account

eighty

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US / 'eɪtɪ /

UK / ˈeti /

A1
  • number
  • 80

destroy

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US / dɪ'strɔɪ /

UK / dɪˈstrɔɪ /

A2
  • verb
  • To damage so badly that something no longer exists
  • To defeat someone or something easily
  • To kill a sick or unwanted animal

injure

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US / ˈɪndʒə(r) /

UK / ˈɪndʒɚ /

A2
  • verb
  • To do (usually physical) harm or damage to

promise

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US / 'prɒmɪs /

UK / ˈprɑmɪs /

A1
  • verb
  • To say you will certainly do something

disability

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US / ˌdɪsə'bɪlətɪ /

UK / ˌdɪsəˈbɪlɪti /

A2
  • noun
  • Condition limiting your ability to do something

for

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US / fə(r) /

UK / fɔr,fə /

A1
  • preposition
  • Used to show the purpose, or need of something

login

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US / ˈlɒɡɪn /

UK / ˈlɔːɡɪn /

A1
  • verb
  • To enter a website or computer account

spend

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US / spend /

UK / spɛnd /

A2
  • verb
  • To use money to pay for something
  • To use time in order to do something
  • To use up something completely

why

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US / waɪ /

UK / hwaɪ, waɪ /

A1
  • adverb
  • Question word to ask for a reason
  • exclamation
  • (Used to express surprise or approval)

worth

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US / wɜ:θ /

UK / wɚθ /

A2
  • other
  • the financial, practical or moral value of somebody/something
  • having a particular value, especially in money

time

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US / taɪm /

UK / taɪm /

A1
  • noun
  • Speed at which music is played; tempo
  • Point as shown on a clock, e.g. 3 p.m
  • Number of hours, minutes needed to do something
  • Occasion when something happens
  • Period or occasion that something occurred
  • Period in history or the past
  • Something measured in minutes, hours, days, etc.
  • How long an event takes; duration
  • verb
  • To check speed at which music is performed
  • To choose a specific moment to do something
  • To measure how long an event takes, e.g. a race
  • To schedule something to occur at a specific moment
  • Subtitles section
  • Jamie runs a business, so did the responsible thing.
  • He got plenty of income insurance, just in case anything went wrong.
  • Then, without warning or reason, his insurance company cancelled his policy.
  • A terrible bungle that's become very costly.
  • I'm a little tiny flea compared to MLC, and that's how they made me feel.
  • Like, they just stomped on me and don't really care.
  • Jamie's situation is appalling.
  • Appalling and exhausting, both physically and emotionally.
  • I've worked my ass off all my life to build a legacy for my boys.
  • And they... I don't know.
  • It's really tough, mate.
  • Oh, just... Yeah, a bit, cos... Anyway.
  • Jamie de Graaf spent almost twenty years building a successful business from the ground up.
  • And away they go, driving away.
  • He's made a living washing trucks, machinery and even planes.
  • anything big and dirty you pay the bucks we'd do it.
  • He did not a bad job.
  • It's lucrative but extremely physical work which is why Jamie took out an income protection policy with MLC life insurance back in two thousand and seven.
  • I've been working since I was fourteen, you know, and I didn't want to lose what I'd worked so hard for, you know.
  • I wanted to leave this to my boys.
  • You thought you were paying for peace of mind?
  • Yeah, to go to work every day and feel, oh, if I get hurt, I'm covered.
  • And Jamie has been covered by MLC Life Insurance twice in the past.
  • His income protection paid without issue for melanoma treatment back in two thousand seven and for his right shoulder surgery in twenty nineteen.
  • It's after that second claim when this bungle begins.
  • But for some reason they didn't reactivate the policy and the money was always there.
  • Paying it wasn't a problem.
  • But then to find out that they hadn't been doing it, this is life changing.
  • After recovering from his shoulder surgery, Jamie returned to work in July, twenty twenty one.
  • MLC Life Insurance should have reinstated his direct debit premiums, but didn't and admitted that mistake in a letter.
  • MLC did not correctly recommence the debit of your premiums.
  • On October five, it took just one single payment before cancelling the policy three weeks later without telling Jamie.
  • Another error the insurer admits to.
  • Our records show you were not notified of the policy cancellation.
  • Jamie claims he didn't notice his premiums had stopped because the money was coming out of a business account where his clients pay him.
  • And MLC continued to take premiums for a separate total and permanent disability policy.
  • didn't realise that they weren't taking the full amount.
  • I just realised they were still direct debiting my account, so I just thought that was normal.
  • The cancellation mistake went unnoticed by MLC Life Insurance for almost a year.
  • It was picked up on the ninth of August, twenty twenty two, when amazingly, despite the fact Jamie's cover had been non existent for almost a year, MLC tried to take forty five thousand dollars worth of missed premiums in one lump sum.
  • a transaction that failed.
  • I've never changed my address, I've never changed my number, so they could have called, they could have sent me a letter, wouldn't have let it lapse.
  • But it did and Jamie found out nine months later when he injured his other shoulder.
  • That's when I rung them up and said oh look I've got the problem and they've gone well
  • you know, we cancelled your policy.
  • And I'm like, what?
  • Jamie says he requested his policy be reinstated but MLC Life Insurance has refused unless he pays tens of thousands of dollars.
  • Eventually someone gets back to me and then offered me this crappy deal.
  • I'm like, are you kidding?
  • MLC Life Insurance is only willing to waive Jamie's premiums up until the time it realised its own mistake, roughly forty five thousand dollars worth, and not the remaining fifty seven thousand dollars in premiums that followed.
  • That's despite the fact MLC held no risk the entire time Jamie's policy was cancelled.
  • Jamie doesn't have the money to pay fifty odd thousand dollars to reinstate a policy, but why should he?
  • If the insurance company had followed the contract and the letter of the law, the policy would have been intact at the time of the injury, and the claim would have been accepted.
  • Jamie's lawyer, Duke Mertezza.
  • Right now, he can't earn any money, he can't afford to make payments on his home, to live day by day, and MLC, frankly, stuck their head in the sand.
  • MLC claims it tried to notify Jamie of the mistake but Jamie says the three emails he received required a login and simply stated he had correspondence from his insurer.
  • He says he usually received letters from MLC and had an insurance broker so unfortunately didn't open them.
  • Where does that say once we've cancelled your policy or can you please call us?
  • Can we discuss this?
  • Can we?
  • Nothing.
  • And even if Jamie did access the correspondence from MLC, this is what he would have found.
  • A letter riddled with errors, dated the ninth of August, twenty twenty two, requesting forty four thousand seven hundred dollars by the fifth of August, four days before the letter was sent.
  • Confused?
  • So is Jamie.
  • Makes zero sense.
  • It makes absolutely no sense and it shows a life insurance company that is simply not in control of its processes and looking after its customers.
  • And this comedy of errors continued.
  • The letter also states... So Jamie was given two deadlines in the one letter.
  • It's a shambles.
  • Adding insult to injury, Jamie also claims the insurance delay meant his shoulder injury got worse.
  • Because they didn't come to the party I kept doing things, not work, but just your basic things like every time you lift your arm up above your shoulder you tore a bit more.
  • In unbearable pain and out of work, the one time successful business owner was forced to borrow money for surgery.
  • I couldn't fix it properly.
  • He said he probably got about eighty percent back but it won't last, it can't work the way it is because you'll just destroy what I've done.
  • Jamie's been told eventually he'll need a prosthetic shoulder which won't be strong enough for his line of work.
  • The surgery options now are much more severe and as a result he suffered enormously, more than he should have if MLC had done the right thing.
  • And it appears Jamie's not the first customer wronged by MLC.
  • In the same month he found out his policy had been cancelled, MLC was fined ten million dollars by the federal court for failing to pay promised benefits resulting from a lack of appropriate systems to administer its insurance policies.
  • I'd like to see MLC take responsibility for what they did.
  • You know, you work your butt off all your life to have a couple of nice things and now you've got to sell them just to survive because MLC's done the wrong thing.
  • What's your message to MLC?
  • Don't forget me.
  • Huh?
  • I paid everything.
  • Everything they asked.
  • And they don't understand.
  • When a current affair reached out to MLC, it told us...
  • And it came just days later.
  • MLC is now offering to waive all of the so called missed premiums and will also reinstate Jamie's policy.
  • Hopefully then they'll start paying me my monthly premium which will, yeah, take a lot of weight off my shoulders.
  • All he has to do is make the claim he should have been able to make almost a year ago.
  • But we wouldn't have got this result so quick if you guys hadn't have stepped in.
  • So, yeah, I'll be forever grateful.
  • Good luck going forward.
  • All the best.
  • Thanks, Rhys.
  • Pleasure.
  • That is such a great result and really a lesson for all of us.
  • Never assume our insurance companies are always doing the right thing.