Short Explainer:

Deferred terminal illness claimants face a uniquely damaging situation where access to terminal illness benefit depends on predicting an acceptable death date.
Standard Insurers letters then reinforce a psychological countdown, where living longer can undermine their family’s financial security.
No other mainstream life or health product creates that blend of uncertainty, coercion, and moral distress.
Reform means shifting to diagnosis anchored eligibility, removing countdown cues, and building trauma informed processes that align the product with its purpose:
PEACE OF MIND WHEN PEOPLE NEED IT MOST!