| Exclusions |
The most common exclusion is suicide within 13 months from the commencement of a policy. |
| Inflation Indexation |
Do you want your policy to increase with inflation each year? |
| Future Insurability Options |
Some polices will allow you to increase the sum insured without further medical evidence when special events happen in your life such as a new baby. |
| Terminal Illness |
Most policies will pay out the insurance if you suffer a terminal illness when you are likely to die within 12 months. |
| Waiver of Premium |
For a little extra, your premium will be waivered if you suffer a disability and can not work. |
