Nigel's Journey

Finding peace of mind in a time of need

When a client receives a terminal diagnosis, the emotional toll can be overwhelming. On top of processing the news and prioritising precious time with loved ones, many people also face sudden financial uncertainty. Questions around managing a home loan, funding specialist care or simply maintaining day to day stability can weigh heavily at an already challenging time.

Apex Advice regularly supports clients through situations like these, helping them understand their insurance options and access the financial assistance available to them. In one recent case, a long standing client was given less than 12 months to live. While he wanted to focus on his family, he was understandably concerned about how to meet upcoming expenses and secure his household’s future.

Understanding the insurance options

During moments like this, a clear understanding of existing insurance cover can make a meaningful difference. For many clients, income protection may activate after a waiting period, but life insurance can often provide more immediate support.

In circumstances where a terminal diagnosis has been confirmed by a medical professional, a terminal illness claim may allow access to life insurance benefits early. For some clients, this can amount to hundreds of thousands of dollars, offering the opportunity to reduce financial pressure at a time when it matters most.

Guiding clients through the claims process

Apex Advice assists clients in gathering the required medical documentation, preparing claim forms and ensuring all information is submitted correctly for prompt review by insurers. The claims process can feel daunting, especially when someone is already under emotional strain, so having a team to coordinate the steps can remove a significant burden.

Throughout each stage, clients are kept informed so they know what to expect and can feel confident that their claim is being handled with care.

Providing financial stability when it is needed most

In this recent case, the client’s terminal illness claim was approved swiftly. The payout enabled him to clear his home loan and arrange professional palliative care, providing comfort and stability for both himself and his family. Most importantly, it allowed him to focus on what mattered most in his remaining time.

How Apex Advice supports clients

Apex Advice is committed to helping clients navigate complex insurance situations with clarity and compassion. Whether it is understanding policy benefits, preparing claims or offering guidance during difficult moments, our goal is to provide reassurance and practical support.

If you would like to understand your own insurance cover or ensure your policies are working for you, our team is here to help. Speak with an insurance adviser today using the form below.