The policy ends automatically if:

• Premiums remain unpaid after the 31-day grace period.

• You convert it to a permanent plan.

• The insured reaches the termination date or age 60 (upon maturity).

• The Policy Owner submits a written cancellation notice to the insurer before renewal.

Any valid claims before termination will still be paid.

Yes, if you're under 60 and you don't cancel it in writing, Premiums are paid (including during the 31-day grace period) without a medical exam if:

• You submit a written request to the insurance company

• You do it on a policy anniversary date

• The new coverage amount doesn't exceed your current policy

*Your premium will be based on your current age at conversion.

Coverage stops immediately.

• No cash surrender value is paid

• Valid death claims before termination are still paid

• No refunds for unused premiums

* For exact dates and procedures, check your policy documents.

No. This policy has no cash value. It is purely a term life insurance product. This is a non-participating policy, meaning it does not share in the company’s profits.

No, this policy does not have any cash value. You can't borrow against it or get money by canceling it.

Your beneficiary receives the full coverage amount (minus any loans you took against the policy).

You have a grace period to pay. If you don't pay:

• The policy ends automatically

• You lose coverage

• Any claims before termination are still valid

No. Since this policy has no cash value, you won't get money back if you cancel it.