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We hope bad things don’t happen, but it’s good to be ready in case they do.
Life insurance can give you peace of mind in many ways. It pays out a cash lump sum to your loved ones if you pass away during the policy term. But it can also pay you early if a doctor confirms you have a terminal illness and are expected to live only 12 to 18 more months.
This feature comes as standard with many life insurance policies, including ours. And it helps protect you and your family from financial struggles in your final months, instead of waiting until after you die to receive the money. You don’t have to pay it back if you live longer than predicted.
A terminal illness means you have a sickness that doctors say will end your life within 18 months, like advanced cancer. This type of cover can offer welcome financial support during such a tough time. And, as , you can access other forms of support too.
Terminal illness cover comes with your life insurance. It pays out money only if you die or a doctor says you’re expected to die from a serious illness.
Critical illness cover is different. Its an extra option you can add to your life policy, extra costs apply.
Taking out this cover now is a way to prepare for the unexpected, as you can’t add it when you find out you’re ill. And it can help with big changes in your life, like if you can’t work, need to adapt your home or pay for extra medical help.
It’s important to know what ‘terminal illness’ and ‘critical illness’ mean in the eyes of your insurer. So check your policy for details.
Terminal illness cover is included from the start with all these 69ÌÃ Life Insurance policy types. And you can pay extra to add critical illness cover for extra protection.
For full detail, check our policy terms.
This option helps pay off a debt that decreases over time, like a mortgage. The cover amount also goes down as you pay off your debt
With this option, you choose a fixed cover amount your loved ones will receive if you die during the policy. It can help pay off debts or leave a legacy
With this option the cover amount increases each year to keep pace with inflation
At 69ÌÃ, we include terminal illness in our life insurance policy as standard. If you have a policy that doesn’t include it, you may be able to buy it as separate cover later. Check with your insurer.
To make a claim, you need a doctor’s confirmation of your illness. Contact your insurer for the specific steps and required documents.
Once a terminal illness benefit is paid, the life insurance policy ends, and no further payment will be made when you die.
Choose between level, decreasing or increasing term insurance, each designed to offer you peace of mind based on your circumstances.
If you're aged between 50 and 80, we could help you leave a cash sum for your family or towards your funeral costs.
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69ÌÃ Life Insurance is underwritten and administered by Scottish Friendly Assurance Society Limited. Neilson Financial Services Limited assist in the administration. If you buy 69ÌÃ Life Insurance over the telephone or online via the 69ÌÃ website, it is arranged and sold by Neilson Financial Services Limited, following an introduction by 69ÌÃ Limited. If you buy 69ÌÃ Life Insurance online via a price comparison website, it is arranged and sold by the firm that provides the price comparison website services.
69ÌÃ Limited is an appointed representative of 69ÌÃ Management Services Limited which is authorised and regulated by the Financial Conduct Authority, FRN 630318. Registered in England and Wales. Registered numbers 2154540 and 08459718 respectively. Registered office: 100 Wood Street, London, EC2V 7ER.