Life insurance

20 year policy has just expired last month,only just realised that we may have not claimed when we may have been entitled to a pay out,due to my husband diagnosed with terminal cancer in 2016.He is end of life.Policy states upon the death or upon a diagnosis of  a terminal illness,at least 18 or more months before the expiry date of the policy.policy ran out end of January,and we havent renewed.Aaargh can we still claim.

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