Terminal Illness Cover
How Terminal Illness Cover could support you
Terminal Illness Cover is automatically included at no extra cost with our Life Insurance and Decreasing Life Insurance policies with a term of at least two years.
If you're diagnosed with a terminal illness and have a life expectancy of less than 12 months, Terminal Illness Cover could pay your cover amount early. This could help you and your family manage the financial impact of a terminal illness.
The information on this page and in our Policy Terms and Conditions and Policy Summary is for new customers. If you're an existing life cover customer, please refer to your original policy documents, as your cover may differ depending on when you took out your policy.
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What is a terminal illness?
A terminal illness is an illness that has no known cure or has progressed to a point where it cannot be cured. In the opinion of both your hospital consultant and our Medical Officer, who is a qualified doctor employed by L&G, the illness must be expected to lead to death within 12 months.
How does Terminal Illness Cover work?
If you meet the definition of a terminal illness and the conditions of your policy, you could make a claim for your cover amount.
If your terminal illness claim is accepted:
• we'll pay your cover amount
• you won't need to pay any more premiums
• your policy will end and no further claims can be made.
If you live longer than expected after an accepted terminal illness claim, you won't need to repay the payment you've received.
No terminal illness claim can be made after the death of the person insured.
What's the difference between Terminal Illness Cover and Critical Illness Cover?
Terminal Illness Cover and Critical Illness Cover aren't the same. Find out more about the differences between them and when each type of cover could provide financial support.
Find out the difference between Terminal Illness Cover and Critical Illness Cover
Key documents for new customers
If you are an existing customer please refer to your policy documents for details of your cover.
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