I still remember Dean's words when we first met him to discuss our insurance, "I will always prioritise this over any other expense, and that our biggest asset is our ability to keep generating income" At that time (pre-kids), I don't think I quite understood what he meant by that but we listened and we have been working with the BRAVEday team for over 10 years who have been great in amending and reviewing our cover as we have "grown up" and our lives continued to evolve with kids, changes to jobs and houses.
I am so grateful to have listened and made sure that we had sufficient insurance for those unexpected events as I recently got diagnosed with cervical cancer during a routine screening. Without any symptoms or warning, this was a shock diagnosis, and I have learned through the process that there is a lot of uncertainty from the initial diagnosis to discussing treatment options and then a final diagnosis. Post the initial diagnosis, Tania and the team worked quickly and supported us to make a claim on our trauma insurance. I am sure there was a lot of work that went on in the background, but it was totally seamless from our perspective with the claim being paid out within a few weeks.
The payout provided a lot of comfort and a cushion for what was to come as we worked through weeks of fear and uncertainty from the initial diagnosis to the surgery and to find out whether the cancer has spread which will then lead to the final diagnosis and any other treatment required. Having the financial cushion meant we didn't have to worry about defaulting on our mortgage. We also had the added benefit of the income protection which would kick in should I be unable to work.
I am fortunate that I don't need any further treatment. Nevertheless, this has been a challenging and difficult process to go through.
My family and I are forever grateful to the BRAVEday team for the advice that they have provided on our cover over the last 10 plus years and stepping up when it really mattered by making the claim process so easy and seamless.