Mary 

thank you so much for reply and help , I understand so just normal life cover don't pay anything it's the critical illness add on that do xx 

I see, thanks Positive T.  These policies are a bit of a minefield.  I got the full amount of cover on my diagnosis but that then cancelled the critical illness element of the policy.  So, if I get anything else I'm scuppered!!  It's good to know that you still have a level of cover and got a percentage.  Lots to think about when we're taking out these policies.  Glad you're doing well.

Love Mary xx

Hi laraj,

I strongly suspect that's the case unfortunately.  Life assurance only pays out on death.  Critical illness if you get 'critical'!!  It's useful to have the additional critical illness element attached to a life policy, the trouble is you pay more for it.  I started my critical illness policy at 50 and it was quite pricey.  Still glad I did it though!

That being said, I think it would definitely be worth phoning your insurance provider to double check.  These policies can be quite complex and they all seem to differ.

Lots of luck with it.

Mary x

Thank goodness you checked it.  After everything we've been through the money is very welcome.  As I had the small invasive they paid up!  I've since learned that it was 'tubular' and very unlikely to spread so I was pleased about that!  I paid for a second opinion privately and refreshingly the surgeon told me "this isn't going to kill you"!!  I didn't know whether to laugh or cry!

We all had a nice holiday when my money came through.  I also bought myself a piece of jewellery that I wouldn't have otherwise done!!  It was a present to myself for getting through it all! Save some, spend some was my thinking!  Hope you've done the same..  you deserve it!

M xx