||The most common exclusion is suicide within 13 months from the commencement of a policy.
||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.
||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.