Life Assurance

Terminal Illness Cover

This is often included in life insurance policies at no extra charge and should not be confused with Critical Illness cover.

This enables the life insured to claim the sum assured before they die. A claim can normally be made if the life insured is suffering from a terminal illness where in the opinion of a consultant physician they are unlikely to survive for more than 12 months. However, a common exclusion to this cover is if the terminal illness is diagnosed within the last 18 months of the plan term in which case payment of the sum assured is made on death if before the end of the policy. You must also be resident in the UK or certain other agreed countries at the time.

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Financial Conduct Authority.

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