I was diagnosed with terminal cancer 6-12 months to live after waiting 6 months they refused my claim because the drugs I was put on to try and prolong life meant I might not hit their 6-12 month deadline. They were negligent with my critical illness claim and that sits with the ombudsman after they refused to payout even though two of their own investigators told them to...they refused to send files to the ombudsman. So I dont loose my home I have to come off the potential life prolonging drugs, even though my diagnosis fits in their Ts&Cs spoken to dozens of people and L&G just dont pay out. Its not why you pay insurance.....they do send you a reminder that if you kill yourself you are not covered. I thought that was a nice tough. I was definitely considering it! Try and live longer and be homeless or die within their deadline and you can stay in your home. They dont put that on the adverts