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Life Insurance

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.