The main choice to make is do you always want to pay the exact premium related to your cover amount, called "Level premium" or do you want to pay a lower premium now to help your budget and increased premium in later years, called "Premium Pattern". Choose "Conservative" if you want a lower premium now and wouldn't mind paying more later, or "Aggressive" if you want the lowest possible premium now. (keep in mind the premium will increase significantly in later years)

You can choose to increase the Cover Amount by 3% or 6% annually, or leave it as it is now. (0%)

You have the option to fix your premium for a number of years, or allow the insurer to increase it if necessary based on their risk experience. Fixing your premium costs slightly more.

The main choice to make is do you always want to pay the exact premium related to your cover amount, called "Level premium" or do you want to pay a lower premium now to help your budget and increased premium in later years, called "Premium Pattern". Choose "Conservative" if you want a lower premium now and wouldn't mind paying more later, or "Aggressive" if you want the lowest possible premium now. (keep in mind the premium will increase significantly in later years)

You can choose to increase the Cover Amount by 3% or 6% annually, or leave it as it is now. (0%)

You have the option to fix your premium for a number of years, or allow the insurer to increase it if necessary based on their risk experience. Fixing your premium costs slightly more.

Choose "Stand Alone" if you want this cover to function independently of your Death Cover. Choose "Accelerated" if you want a cheaper gross premium, but keep in mind that claims against this policy will reduce your Death Cover by the same amount.

The main choice to make is do you always want to pay the exact premium related to your cover amount, called "Level premium" or do you want to pay a lower premium now to help your budget and increased premium in later years, called "Premium Pattern". Choose "Conservative" if you want a lower premium now and wouldn't mind paying more later, or "Aggressive" if you want the lowest possible premium now. (keep in mind the premium will increase significantly in later years)

You can choose to increase the Cover Amount by 3% or 6% annually, or leave it as it is now. (0%)

You have the option to fix your premium for a number of years, or allow the insurer to increase it if necessary based on their risk experience. Fixing your premium costs slightly more.

Choose "Stand Alone" if you want this cover to function independently of your Death Cover. Choose "Accelerated" if you want a cheaper gross premium, but keep in mind that claims against this policy will reduce your Death Cover by the same amount.

The main choice to make is do you always want to pay the exact premium related to your cover amount, called "Level premium" or do you want to pay a lower premium now to help your budget and increased premium in later years, called "Premium Pattern". Choose "Conservative" if you want a lower premium now and wouldn't mind paying more later, or "Aggressive" if you want the lowest possible premium now. (keep in mind the premium will increase significantly in later years)

You can choose to increase the Cover Amount by 3% or 6% annually, or leave it as it is now. (0%)

You have the option to fix your premium for a number of years, or allow the insurer to increase it if necessary based on their risk experience. Fixing your premium costs slightly more.

Choose "Stand Alone" if you want this cover to function independently of your Death Cover. Choose "Accelerated" if you want a cheaper gross premium, but keep in mind that claims against this policy will reduce your Death Cover by the same amount.

This is the time you have to wait after you became unable to earn an income before you can put in a claim.