Hi, 

my husband has been given less than 12 months to live…. The only thing that was making him feel better was the fact he could claim on our life insurance policy. Unfortunately this had not been the case for us as we have less than 18 months left on the policy so the terminal illness benefit has lapsed. There is about 6 months left before the policy ends and my husband is devastated & wants to refuse any treatment that may slow things down slightly. I rang the company when he was first diagnosed but because he probably had more than 12 months to live they wouldn’t pay out & said we needed to call back if he had less than 12months which we have but have now been told this … nothing was mentioned when we originally called. I feel what time my husband has felt has been very stressful due to this situation. We still have kids at home and money is very tight so really do need this money. Just wondering if anyone else has experienced this and can offer any advice Tia