Should you include Terminal Illness Insurance?

You probably won’t need to - most policies include Terminal Illness cover free of charge on all Life and Critical Illness policies.

STEP 1 of 2
Type of cover
Life Insurance       Mortgage Life Insurance
 
Cover Level (£)

Number of years
Do you want:  
Critical illness cover
Family income benefit
 

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Where can I find help?
To help you find your question, we have organised our FAQ’s into relevant groups. Answers to all sorts of more general questions are found in the General Questions section.
What is Life Insurance?
Life Insurance is also known as Term Insurance.
Does Life Insurance have to be associated with a mortgage?
No it does not. Many policies are used to provide additional financial security for the family.
What personal details do you need to provide to get a quotation for Life Insurance?
Only your date of birth, sex and whether you're a smoker. So it's really simple to get an immediate quotation.
Should your policy be written “in Trust”?
We believe that all Life policies should be written “in trust”.
Terminal Illness cover gives you the added benefit of knowing that if you are diagnosed with a serious illness and were expected to die within a year, then life policy will pay out straight away rather than waiting for you to pass away.

This clearly has positive advantages. For example, removing the worry of mortgage payments at a difficult time, paying off debts or simply providing a lump sum to make life more comfortable.

You may also wish to consider Critical Illness cover. This provides far more extensive insurance cover than just Terminal Illness cover. We advise you to understand the difference between Critical Illness and Terminal illness cover and then make up your mind.

Frequently Asked Questions related to the above topic.
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