Petra was 41 years old. She worked in the financial industry and part of her employment package had life cover provided by an employer chosen insurer.  In May 1997, she went to the doctor as she had been feeling unwell for some time. The doctor diagnosed her condition as cancer of the gall bladder and with it being terminal she was unlikely to to live longer than twelve months.

The doctor provided the insurer confirming the terminal nature of her condition and the insurer paid her a lump sum terminal illness benefit of $92,000, which equated to the total amount of her life cover.
 
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