You can opt for a level amount of benefit throughout the term of the policy or for a lower premium, a decreasing amount of benefit which is designed to roughly fall in line with a capital and interest mortgage.

You can choose to include critical illness cover and total and permanent disability cover. Critical illness benefit will pay out if you are diagnosed with a specific illness and survive, likewise if you suffer from a permanent disability the benefits will be paid. Again the benefit can be linked to a level or reducing amount.

Please note that individual insurers provide differing terms and conditions.

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