No Medical Life

If the insured’s death does not result from a pre-existing condition, the insurer will pay the life insurance benefit indicated in the plan summary, subject to the policy limitations and exclusions.
Amount of coverage -  Minimum $5,000, maximum $500,000.
Age limit upon purchase - Available to persons 18 to 60 years old (inclusive).

Type of contract  - Term 10 or 20 years depending on the option chosen by the person insured.
Renewal -  Guaranteed renewable to age 70.
Premium  - This policy has premiums that change every 10 or 20 years, depending on the option selected by the policyholder. The premium is guaranteed for the selected period. At the end of the 10 or 20-year period, depending on the option selected, the premium will be adjusted to reflect the insured’s attained age, the insured’s original risk class and the premium rates applicable at that date. The new premium will also be guaranteed for a further period of 10 or 20 years.
Beneficiary - As designated by the Person insured.
Pre-existing condition  - Pre-existing condition of 12 or 24 months apply (varies according to the policy
purchased by the Person insured).
Refund of Premium Rider (optional) - After 20 years without claim, receive a premium refund of up to 75% of total
premiums paid.
Exclusions and restrictions - Please refer to the Life Insurance policy for full details.

No Medcial Critical Ilness

No Medical Disability