We are unable to provide cover if a customer has been given a life expectancy, you can look to refer them to GTG, provided they have been estimated as 6 months to live after they return from holiday.
If the customer has a terminal illness but their DR hasn't or cannot give them an expected period of time for life expectancy, we would not be able to provide cover through GTG, as they must have been given a minimum of 6 months to live from the return date of their trip.