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Andzia, jesli to ta polisa to widze pare haczykow:
http://www.barclays.co.uk/insurance/life-insurance-in-detail/#levelterm

-Life insurance policies will only pay out once within the agreed time, so if the policy pays out because of a terminal illness claim, the policy and cover will end
Co oznacza, ze jak zainkasujesz pieniadze za terminal illness to juz nie dostaniesz za smierc.

-You can take out cover with your partner or another loved one. The policy only pays out once, so if one person dies and a claim is paid, the policy will end. If you prefer, you can each set up cover individually.
To o czym pisano juz w innym watku – jak jedna osoba umrze, to druga juz nie ma ubezpieczenia.