Legal and General Terminal Illness Claim

justag

Hello,


My mother had cancer and passed away not too long ago. Shortly before her passing, I sent off a Terminal Illness claim to Legal and General. A few days after they got back in contact.


I have had other things to think about so haven't chased it up. They have been back in contact and know that my mother passed.


When I call them up what can I expect? Are they likely to accept the Terminal Illness Claim or reject it as they may not have technically received it before my mother passed away?


Thanks

dunstonh

Sorry for your loss.

terminal illness won't apply here as your mother passed away. Terminal illness is where the person is still alive but expected to pass away in the next 12 months.

if this is life assurance, then the claim would continue on the basis that she has died.

BooJewels

My condolences, I have just suffered the same.

We have also just been through a critical illness claim for my husband. In our case, the policy covers CI and life together and if you make a claim, one or the other applies [at the exclusion of the other] depending on how long you survive after diagnosis. In our case, both had the same sum assured, so the end result - at least financially - would have been the same.

I would imagine, that this cover also had associated life cover (they're usually a trivial amount extra to add, I think ours was about £7.50 per month after a discount), in which case, this probably applies in place of the terminal illness policy, although, depending on how it was set up initially, might have a different payout amount.

Are you able to access her paperwork to see what the policy states? The policy booklets are usually available to download off the provider's web site.

danceinthedark

Sorry for your loss.

They already know that your mother had passed? They will need to see a death certificate and there will be additional forms and documents for the executor of the will (or next of kin if there is no will) to provide.

The claim will now likely continue as a death claim, rather than as a terminal illness claim. It!!!8217;s only worth pursuing as a retrospective TI claim if it is a decreasing term policy, as the claim may be worth more if she received the prognosis some time ago.

They should discuss this with you and will explain what documents they need from you to establish who the legal claimant is.