Most life insurance policies include Terminal Illness cover free of charge on all Life
and Critical Illness policies, so you don't need to pay extra to include it.
Terminal Illness cover means that if you are diagnosed with a serious illness and expected
to die within a year, then your life policy will pay out straight away.
This clearly has many advantages - for example, you can pay off your mortgage and other
debts, and make the most of your money with the time you have left.
Critical Illness cover provides far more extensive insurance cover than just Terminal Illness
cover, so make sure that you understand the difference between Critical Illness and Terminal
illness cover before you make up your mind to buy life insurance alone.
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