| 3. An
additional basic term coverage may be required if additional riders are
purchased sueh as Disability Income, Hospitalization & Surgical,
Accidental Death/Indemnity, Critical Illness, Female Coverage and Term
Riders. 4. The full value of the first cash dividend is not payable before the full payment of the second year premium. 5. The policy may not have a cash value if terminated within the first 3 years. 6. You may choose to surrender the policy for cash. Please note, however, that this would not be to your advantage. 7. The premature termination or the policy may give you less than the amount you had earlier paid in for this policy. 8. Premium payments may be made annually, semi-annually, quarterly or monthly and are payable up to the premium payment term of your plan or prior death of the insured, whichever is earlier. 9. The cessation of premium payment before the end of the premium payment term will lead to an early termination of coverage to the policyholder. 10. You should satisfy yourself that this plan will best serve your need and that the premium payable under the policy is an amount you can afford. Irnportant: This brochure is a brief description only. For exact details on terms and conditions, please reler to your policy contract. |
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