Hi.
Hope you are able to help. We have a year left on our Mortgage and paid a fixed term insurance policy for 24 years. My Husband has bone marrow cancer, which is terminal. I contacted our insurance and they said that a claim to cover the remaining mortgage payments would not be possible because we only have 12 months left on the mortgage and a claim needs to be within the last 18 months of the policy? Hes only just been diagnosed and as hes self employed does not get any other income. Can they do this? It seems shocking that you pay for this all the term of your mortgage then when you actually need it, they are saying you cannot claim?