Terminal Illness Cover.

Terminal illness cover is automatically included at no extra cost on our mortgage life insurance policies. It means that your policy could pay out your chosen amount of cover upon diagnosis of a terminal illness, rather than when you die. Terminal illness is also one of the 39 illnesses covered under our critical illness cover that you can add to any of our life insurance policies.

• 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 insurance policy term 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.