It’s notoriously difficult for doctors to predict survival rates for people with stage 4 cancer, so many are reluctant to do so. But terminal illness cover will typically only pay out if someone is given less than 12 months to live.

Recognising this challenge, our approach to terminal illness goes beyond the ordinary. Like any other policy, we’ll pay out if your client has less than 12 months to live. But what makes us truly unique is that we also guarantee to pay out if they’re diagnosed with stage 4 cancer, motor neurone disease, Creutzfeldt-Jakob disease or Parkinson-plus syndromes even if they’re expected to survive more than 12 months. Because for us, it’s about making life better at a time when they really need financial support.

Spin the Wheel of Life and discover how our policies protect your clients, no matter what the future holds, at: adviser.guardian1821.co.uk/wheeloflife