Finding Peace of Mind in a Time of Need
When Nigel, a long-time client, received the devastating news of his terminal cancer diagnosis, he felt the weight of the world on his shoulders. With less than 12 months to live, he was determined to spend quality time with his loved ones, but financial worries loomed large. How would he cover his mortgage? How could he afford the specialized care he would need in his final months?
That’s when Nigel turned to us at Apex Advice. As a valued client, he knew he could rely on our expertise to navigate this challenging time. Understanding the urgency of his situation, I assured him that we would explore every option available to secure his financial future.
We discussed his income protection policy, which would take effect after a 90-day waiting period. However, given Nigel’s prognosis, it became clear that we needed to act quickly on his life insurance. I explained that he could file a terminal illness claim, allowing him to access over half a million dollars in life insurance benefits early. This money could alleviate his family’s burden, enabling him to focus on making the most of his remaining time.
With Nigel’s consent, I contacted his treating physician to obtain the necessary documentation confirming his diagnosis. Once I received the physician’s sign-off, I prepared the claim for Nigel to review and sign. He expressed profound gratitude for the support, acknowledging how overwhelming this process had been.
Nigel promptly returned the signed claim along with the required medical evidence. I submitted the claim to the insurance company, ensuring everything was for a prompt review. Throughout this process, I reassured Nigel that our client support team would manage his claim closely, keeping him informed at every step.
Within a short period, Nigel received approval for his terminal illness claim. The payout provided not just financial relief but invaluable peace of mind. He was able to pay off his mortgage and hire a trained palliative care caregiver, allowing him to spend his final days surrounded by family, free from financial stress.
Nigel’s situation was undeniably difficult, but through proactive communication and a thorough understanding of his insurance options, we were able to provide essential support. I felt a sense of purpose acting as a bridge between Nigel and the insurer, ensuring he received the benefits he deserved. He expressed deep appreciation for our role in facilitating this process, underscoring the value of having an advisor who truly cares.
In the face of adversity, we strive to be a beacon of support for our clients, helping them navigate their financial and emotional challenges with compassion and expertise. For Nigel, this journey was about financial security and finding peace of mind in a time of need.
Written by Alan Campbell
