In 2023, Apex Advice adviser Christophe Bryant worked with a couple, Emma and Daniel*, to review and update their insurance. They already had some Life cover in place, but a careful review showed gaps that could leave them financially exposed.
Christophe advised them to top up their Life cover and add Trauma and Accidental Injury benefits. At the time, it felt like sensible preparation, the kind you make and hope you never need. Until earlier this year, Emma contacted Christophe to share news no one wants to hear: a breast cancer diagnosis. In moments like this, the value of advice becomes real. As the right cover had been set up, Emma and Daniel could focus on treatment and family, not paperwork and financial stress.
Christophe immediately engaged the Apex Advice Client Support Team to lodge the claim and manage the process. Having a specialist team on their side meant deadlines were met, forms were completed correctly, and updates were clear and timely. It also meant Emma did not have to keep reliving her diagnosis in multiple conversations with different parties.
Not long after, the insurer confirmed the claim had been approved under the Progressive Care benefit. Emma would receive a payout of $25,000, equal to 25% of her cover. Christophe picked up the phone to deliver the news personally, then explained the next steps and how our team would email the final documents to finish the process. Emma later said it felt like Christophe was right there beside her throughout, not just at the start when the policies were set up, but at a moment when they mattered most.
This is the difference an Apex Advice adviser makes:
- Proactive cover design: Christophe helped identify gaps and structure the policy for real life, not just the policy schedule.
- Claims advocacy: Our Client Support Team handles the details, liaises with the insurer, and keeps you informed.
- Real support: Your adviser is a constant point of contact, especially when the situation is stressful and fast-moving.
Insurance is not set and forget. Life changes, health changes, goals change. Regular reviews with an Apex Advice adviser ensure your cover stays aligned with your needs, so you are not relying on luck when the unexpected happens.
Without that 2023 review, Emma might not have had the Trauma cover that ultimately paid out. With it, the financial breathing room arrived exactly when it was needed.
If you are unsure whether your current cover is enough, or if your policies have not been reviewed for a while, now is a good time to check in. A conversation with an adviser like Christophe can clarify what you have, what you might be missing, and how to get the right protection in place for your family.
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