Terminal Illness Cover.
What is terminal illness cover and how does it work?
'If you choose to include critical illness on either our life insurance or mortgage life insurance, terminal illness cover is included as one of the specified conditions. It means that your policy could pay out your chosen amount of cover upon diagnosis of a terminal illness, rather than when you die.
- By terminal, we mean: 'suffering from an advanced or rapidly progressing incurable illness where, in the opinion of the Chief Medical Officer of Legal & General, your life expectancy is less than 12 months'.
- You'll need to be eligible to claim, so for example, if you've stopped paying your premiums, your policy may not pay out.
- This cover is not available during the last 18 months of your life and critical illness policy and is not available on plans with a term of two years or less.
- Once a terminal illness claim has been accepted, no further claims can be made, no premiums will be payable either and the policy will end.
- If, after a terminal illness claim has been accepted, you survive to the end of the term; you will not have to pay back the terminal illness payment received. However, once the payment has been received, the plan will end and no further claims can be made.
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0800 027 1976
0800 027 1976
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9am to 5pm Saturday
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9am to 5pm Saturday
We may record and monitor calls.
Key Documents
Policy Conditions
PDF: 37KB
PDF: 37KB
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