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Waives ongoing insurance payments if you are unable to work due to sickness or injury…
A TIP
It pays to have this against all types of insurance possible for example LIFE and MEDICAL insurance, if you become ill and money became tight you wouldn’t want to stop your insurance cover because you couldn’t manage the premiums, especially when your more likely to need the cover still.
Structures
Has a benefit period for up to age 70 this is discussed at application time
Has a waiting period for your benefit stand-down period, this is discussed at application time
Generally guaranteed renewable till age 65 – 70 once accepted into the policy