A terminal illness benefit clause using the words 'will result in the death of the person insured within 12 months, regardless of any treatment that might be undertaken' requires proof of very high probability approaching certainty — significantly more than 'likely' or 'highly likely'. Medical evidence showing a 67% probability of death within 12 months does not satisfy this standard. The word 'will' is not merely a future tense marker but imports a degree of certainty. The phrase 'regardless of any treatment that might be undertaken' means even theoretical recovery from rare treatment must be taken into account.
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