life insurance policy- critical illness cover

Hi,  I claimed on my life insurance policy with legal and general for critical illness and was paid out straightaway.  My prognosis is completely unknown - in one doctors words, could be 1 year, could be 25, as it's slow-growing. BUT - it is incurable - maybe that's the important word, I don't know, but I expect every ins co is different?

Hi, we have critical illness insurance attached to what remained of our mortgage.  When my husband was diagnosed with colorectal ca Dukes B 2 N0M0 T4 he informed the insurance company and with the supporting letter from his surgeon / onclogist we were in recipt of the check some two weeks later. His ca is not classed as terminal.

Critical illness cover and terminal illness are different things all together in insurance speak.  Critical illness is a seperate add on to a normal life assurance policy, costs more but pays out on the diagnosis of a critical illness (from which you might well survive).  The diagnosis of a terminal condition will normally bring about a pay out on most life insurance policies, when you are pretty much expected to die in the not to distant future.

I hate to say it, but if you don't die before the end of the term of your policy, it's most unliekly that any insurer will cover you, other that for low sum/high premium policies.

Marsha x

When I was first diagnosed I was told that I would not qualify as my cancer was "in situ".  Now that I am definitely terminal my policy paid out pretty quickly.  Not sure what "in situ" really means!

Thanks people, I'll put in a claim to see what happens. I'll keep ya posted. Take care, all of you x