Terminal Illness Cover is included at no extra charge in Legal & General's Level Term Assurance, Mortgage Term Assurance and Mortgage Decreasing Term Assurance policies.

Terminal Illness Cover ensures that your life insurance, or mortgage life insurance policy will pay out the full amount if you are diagnosed with a terminal illness, rather than when you die.

You'll need to be eligible to claim so, for example, if you've stopped paying your premiums, or failed to tell the insurer about a medical condition, your policy may not pay out.

By terminal, Legal & General mean: 'suffering from an advanced or rapidly progressing incurable illness where, in the opinion of the Chief Medical Officer of Legal & General, your life expectancy is less than 12 months'.

Terminal Illness Cover is not available during the last 18 months of your life insurance, or mortgage life insurance policy term and is only available on plans with a term of at least two years.

Once a terminal illness claim has been accepted, your term assurance, or mortgage term assurance, plan will end and no more pay outs can be claimed. No premiums will be payable either and the policy will cease.

If, after a terminal illness claim has been accepted, you survive to the end of the term, you will not have to pay back the terminal illness payment received. However, no further pay outs can be claimed on the policy and the policy will cease.