¹ This is the amount of time that must elapse after starting the policy before a claim can be made. If a claim is made within this period your premiums will be returned.

² This is the age at which you will finish paying premiums, however your cover continues for the rest of your life

³ Where the premiums are fixed you will always pay the same monthly premium. Where premiums are not fixed there is usually an annual increase in your monthly premium.