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Cromwell Associates

Life Insurance

Terminal illness cover

A benefit included in many life policies that may allow an earlier claim.

Where included, terminal illness benefit may allow the sum assured to be paid if a medical professional confirms that life expectancy is less than twelve months, rather than waiting until death.

It is not the same as critical illness cover: it responds to a terminal prognosis, not to the diagnosis of a serious condition from which recovery is expected.

Things worth considering

  • Inclusion, definitions and exclusions vary between policies
  • Claims paid early usually end the policy
  • Often unavailable in the final months of a policy term

Enquire about terminal illness cover

Tell us what you would like to protect or resolve. One named contact will read your enquiry personally and come back to you.

  • One dedicated point of contact
  • No call centres
  • Introductions handled discreetly
  • Serving Hampshire, West Sussex, Surrey and the Isle of Wight

Cromwell Associates coordinates enquiries and introduces clients to appropriately qualified specialists. We do not provide regulated financial, legal or tax advice, and submitting this form places you under no obligation.

Your enquiry is reviewed personally before any introduction is made.

Please do not send medical details, account numbers or other sensitive information. Cromwell Associates is an enquiry and introduction service: it does not give advice, recommend policies or arrange cover. Insurance introductions are passed on by hand to a suitable specialist, and other services to an appropriate partner. Cromwell Associates may receive a referral payment if you go on to use a service.