Crisis Waiver III

1 to 74 years

Up to 85 Age Next Birthday

Early Stage Crisis Waiver

1 to 74 years, depending on basic plan up to 85 Age Next Birthday

Early Payer Security

When Early Payer Security is attached to the same policy as Payer Security III:

Minimum: 5 years

Maximum:

  • 25 years less childs's age at entry, or
  • 60 years less at entry, or
  • Premium payment term of juvenile policy, whichever is lowest.

When Early Payer Security is attached to the same policy as Payer Security Plus:

Minimum: 5 years

Maximum:

  • Premium payment term, or
  • 85 years less payer's age at entry, whichever is lower.
Payer Security III

Minimum: 5 years

Maximum:

  • 25 years less Child's age at entry, or
  • 60 years less Payer's age at entry or
  • Premium payment term of juvenile policy, whichever is lowest
Payer Security Plus

Minimum: 5 years

Maximum:

  • Premium payment term, or
  • 85 years less Payer's age at entry, whichever is lower
Crisis Waiver USD

5 to 49 years

Up to 80 Age Next Birthday

Payer Security USD

Minimum: 5 years

Maximum:

- Lower of:

  • 25 less age next birthday of juvenile at entry or
  • 65 less age next birthday of parent / guardian at entry, or
  • premium paying term of juvenile policy
Crisis Waiver III

1 to 74 years

Up to 85 Age Next Birthday

Early Stage Crisis Waiver

1 to 74 years, depending on basic plan up to 85 Age Next Birthday

The term of this plan must be equal to the remaining premium term of the plan to which it is attached.

Early Payer Security

When Early Payer Security is attached to the same policy as Payer Security III:

Minimum: 5 years

Maximum:

  • 25 years less childs's age at entry, or
  • 60 years less at entry, or
  • Premium payment term of juvenile policy, whichever is lowest.

When Early Payer Security is attached to the same policy as Payer Security Plus:

Minimum: 5 years

Maximum:

  • Premium payment term, or
  • 85 years less payer's age at entry, whichever is lower.
Payer Security III

Minimum: 5 years

Maximum:

  • 25 years less Child's age at entry, or
  • 60 years less Payer's age at entry or
  • Premium payment term of juvenile policy, whichever is lowest
Payer Security Plus

Minimum: 5 years

Maximum:

  • Premium payment term, or
  • 85 years less Payer's age at entry, whichever is lower
Crisis Waiver USD

5 to 49 years

Up to 80 Age Next Birthday

Payer Security USD

Same as premium payment term

Crisis Waiver III

11 to 70 Age Next Birthday

Early Stage Crisis Waiver

11 to 70 Age Next Birthday

Early Payer Security

Parent/Legal guardian/Spouse:

  • 17 to 70 Age Next Birthday

Child or Ward:

  • 1 to 18 Age Next Birthday
Payer Security III

Parent or legal guardian:

  • 17 to 55 Age Next Birthday

Child or Ward:

  • 1 to 20 Age Next Birthday
Payer Security Plus

Parent/Legal Guardian/Spouse:

  • 17 to 70 Age Next Birthday

Child or Ward:

  • 1 to 18 Age Next Birthday
Crisis Waiver USD

11 to 70 Age Next Birthday

Payer Security USD

Child:

  • 1 to 20 Age Next Birthday

Adult:

  • 17 to 50 Age Next Birthday
Crisis Waiver III

Not Applicable

Early Stage Crisis Waiver

Not Applicable

Early Payer Security

Not Applicable

Payer Security III

Not Applicable

Payer Security Plus

Not Applicable

Crisis Waiver USD

Not Applicable

Payer Security USD

Not Applicable

Crisis Waiver III

Not Applicable

Early Stage Crisis Waiver

Maximum Premium to Be Waived:

  • $15,000 per annum, per life
Early Payer Security

Maximum Premium to Be Waived:

  • $15,000 per annum, per life
Payer Security III

Maximum Premium to Be Waived:

  • $15,000 per annum, per life
Payer Security Plus

Maximum Premium to Be Waiveed:

  • Lump Sum Sum Assured = Per Annum Sum Assured * Min (20, 80% * Policy Term)
Crisis Waiver USD

Maximum premium to be waived = US$16,300 per annum.

Payer Security USD

Not Applicable

Crisis Waiver III
  • Waives the future premiums3 of the covered benefits upon diagnosis of any one of the 35 Critical Illnesses listed.
Early Stage Crisis Waiver
  • Waives your premiums of the covered benefits for 5 years upon the diagnosis of Early Stage Medical Conditions3 and allows a claim for a second time4.
  • Waives your premiums for 10 years5 upon the diagnosis of Intermediate Stage Medical Conditions.
Early Payer Security

Early3 Stage Medical Conditions Benefit:

  • Waives future premiums for 5 years, or the remaining premium payment term of the covered benefits, whichever is shorter.

Intermediate4 Stage Medical Conditions Benefit:

  • Waives future premiums for 10 years, or the remaining premium payment term of the covered benefits, whichever is shorter.
Payer Security III

Waives the premiums of your child’s policy in the event that death, Total and Permanent Disability or Critical Illnesses strike you or your spouse. This benefit covers you or your spouse up to the end of the premium term or when your child turns 252, whichever is earlier.

Payer Security Plus

Help to waive the premiums of your spouse’s or your child’s policy in the event that death, Total and Permanent Disability2 or Critical Illness should strike you. This benefit covers you up to the end of the premium term or when you turn 853, whichever is earlier.

Crisis Waiver USD

Waives future premiums upon diagnosis 35 Critical Illnesses

Payer Security USD
  • Waives future premiums for basic plan and covered riders
    • up to the premium payment term or the policy anniversary before the child turns 251, whichever occurs first,
    • in the event that the payer or guardian dies, suffers total and permanent disability or is diagnosed with any one of the 35 critical illnesses.

  • Angioplasty & other Invasive Treatment for Coronary Artery is not covered.
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