Do I need to add Terminal Illness Insurance?

Terminal Illness Insurance is generally included at no extra cost on all Mortgage Life, Life and Critical Illness policies.

Terminal Illness Insurance will pay out if you are diagnosed with an illness from which a Doctor expects you to die within 12 months of diagnosis.

Insurance companies do not offer Terminal Illness Insurance as a separate, stand alone policy. It is always combined with another form of insurance.
But please ensure you know the difference between Terminal Illness cover and Critical Illness cover. Terminal Illness cover is not the same as Critical Illness cover.