Premier Mortgage
& Financial Services

Life-Changing Payout for Parents of a Terminally Ill Child

The Situation

When their son was born, his parents already had two young daughters. But within weeks, it became clear that something wasn’t right. After multiple hospital visits, doctors confirmed their baby had a rare, life-limiting condition that would eventually cause him to lose his sight, hearing and motor control.

It was devastating news. The parents’ lives changed overnight. The mother gave up her job to become a full-time carer. The father had to take frequent time off work for hospital appointments, resulting in lost income and growing financial pressure.

The Challenge

With the family emotionally and financially stretched, they turned to their protection policies, hoping they might offer some support. They had both taken out critical illness cover, but never expected to need it in such heartbreaking circumstances.

Our Solution

Their financial adviser stepped in to handle the claims process directly. The insurer approved both policies, resulting in two full payouts. These funds allowed the family to take time away from work and focus entirely on their son.

When the time came, a funeral benefit was also arranged, helping the parents celebrate their son’s life in a way that felt personal and meaningful.

The Outcome

The payout gave the family the time and means to create lasting memories. They were able to get married, with their son as best man, and throw a birthday party they never thought possible.

After his passing, the funds helped them begin to rebuild, including planning a family holiday to start a new chapter with their daughters.

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