A terminal illness diagnosis changes everything - but at Spirit, we’re here to make sure it doesn’t take away your power to look after your loved ones. Our life insurance with terminal illness cover isn’t just about money; it’s about giving you control, comfort, and a legacy that lasts. Every policy is placed in trust to protect your family from rising inheritance taxes, and we throw in benefits traditional insurers can’t dream of. Let’s walk through this together.
Facing the Tough Stuff? We’ve Got You
If you’ve been told your illness might have less than 12 months left, Spirit’s terminal illness benefit lets you claim early while you’re still here. Use it to clear debts, make memories, or just ease the load for your family. Unlike traditional policies that might wait until the end, we step up when you need us most. And with every plan in trust, your payout skips the estate, dodging inheritance tax so your loved ones keep more.
Trusts: Your Shield Against the Taxman
Here’s a fact that hits hard: inheritance tax can take up to 40% of anything over £325,000 (depending on allowances) - and it’s only climbing. Traditional insurance might leave your family wrestling with that. Spirit doesn’t. We automatically place every policy in trust, so your payout goes straight to who you choose. It’s free, it’s smart, and it’s one less worry for you.
Spirit’s Difference: More Than a Payout
Think of this: you and a friend both get life insurance after a diagnosis, same price. They go traditional; you pick Spirit. Their family gets a basic payout; yours gets that plus a trust plus benefits that matter, all taken care of by your personal advisor:
- Global Treatment: Care wherever you need it.
- Fracture Cover: Protection for life’s little knocks.
- Second Medical Opinion: Expert advice to double-check your options.
- GP 24/7: A doctor on call, anytime you need to talk.
- Physio & Mental Health Support: Strength for you and your family.
- And More: Extras to make every day count.
One Person, One Promise
No cold calls or strangers here. You’ll get one advisor - like Joe, a dad who knows how precious family is. They’ll learn your story, your wishes, and make sure your plan fits just right. Need to chat? Call them directly. It’s personal support traditional insurance can’t offer, because at Spirit, you’re not a number - you’re you.
Turning Today Into Tomorrow
A diagnosis doesn’t define you because it’s what you do with it that counts. With Spirit, you can look after your loved ones your way. Whether it’s paying off the mortgage, planning a trip, or leaving a legacy tax-free. We’re here to lift the burden, not add to it. Spirit works with you to make a plan that’s as unique as you are! All at the same price as the ordinary stuff.
Let’s Lighten the Load
Ready to take control? Share a bit about yourself, and your dedicated advisor will reach out. We’ll build a terminal illness plan that’s all about you. It’ll be trust-protected, benefit-packed, and personal. Because at Spirit, looking after your loved ones starts with looking after you.