Terminal Illness claim

If Terminal Illness Cover is included with your life cover, it means we may pay out the full amount of cover before you pass away, if your life expectancy is less than 12 months.  This means you can decide how this money is used, and it provides one less thing to worry about in the last months of your life.

Depending on the policy you have, the terminal illness cover may not run for the full term of your plan. Also a terminal illness claim cannot be made after the death of the person insured. Please refer to your policy documents which will tell you when you can make a terminal illness claim, or you can contact us using the details below.

What's the difference between Terminal Illness Cover and Critical Illness Cover?

Terminal Illness Cover could pay out your chosen amount of cover if you're diagnosed with a terminal illness and have a life expectancy of 12 months or less, rather than on death, providing financial support at a time when it could be needed the most. 

Critical Illness Cover can be included at an extra cost when you take out life insurance. It's designed to pay out your chosen amount of cover if you're diagnosed with one of our specified critical illnesses during the length of your policy. 

Please refer to your policy documents to see what you are covered for.

Is it the right time to make a Terminal Illness claim?

Diagnosis of a terminal or incurable illness doesn’t always mean we can pay a terminal illness claim. A terminal illness claim can be considered when the illness has progressed to a point where it cannot be cured, and in the opinion of your treating consultant and our Medical Officer (a qualified doctor employed by Legal & General), it's expected to lead to death within 12 months.

We also have to consider whether any treatment is likely to extend life expectancy, so we may need to wait until the outcome of any treatment is known before we can consider a claim.

If you’re considering making a terminal illness claim, but are unsure whether it’s the right time to claim, your treating consultant can give you more information about your own life expectancy, or you can contact us using the details below. 

How do I make a Terminal Illness Claim?

If your treating consultant has confirmed that your life expectancy is less than 12 months, you can call us on the number below.  When you call we’ll ask you some questions about your illness, so it may help if you have copies of any hospital letters about your illness and treatment plan to hand. 

If you prefer to make your claim in writing, please write to us using the contact details below.  Please provide as much information as possible about your illness, including details of your diagnosis and any treatment you’ve had or are due to have, and what your consultant has told you about your life expectancy. If you have any letters or correspondence from your hospital or GP relating to your illness, please send these in, as this may help us consider your claim more quickly.

If we’re able to consider your claim, we’ll then explain what the next steps are. 

Contact us


0800 068 0789 - our UK based claims team.
We may record and monitor calls.

If calling from abroad please call +441273374414. (Calls charged at the prevailing international rate).

Lines are open 9.00am to 5.30pm Monday to Friday.


Email us at health.claims@landg.com  You can contact us by email, but please do not send us any personal, financial or medical information, as this method is not secure. If you chose to send an unencrypted email Legal & General assumes no responsibility if the email is intercepted


03701 660 275

Write to us:

Legal & General Claims Department,
City Park,
The Droveway,