You can receive 100% of the sum insured at the maturity period as a living benefit.

You have a few choices. You can:

• Surrender it for cash (Net Surrender Value).

• Use it to buy a smaller, fully paid-up policy that requires no more payments (Paid-Up Insurance).

• Use it to keep your full coverage amount for a specific period without paying more premiums (Extended Term Insurance).

Yes, this is a "participating" policy. You can choose to:

• Receive the dividend as a cash payment.

• Use it to help pay your premium.

• Leave it to grow with interest in an account.

• Use it to buy additional paid-up life insurance, which increases your total coverage.

If you don't choose an option, the dividend will automatically be left to accumulate with interest.

You can choose a five-year paying plan (First Star 5) or a ten-year paying plan (First Star 10), allowing you to match your premium payments with your budget and financial goals.

If you experience total and permanent disability, all future premiums are waived, so your coverage continues without any payment worries.

If you choose this option and miss a payment, the company will automatically pay your premium for you. It will first use any dividend savings you have and then take out a policy loan to cover the rest. This helps prevent your policy from lapsing if you forget a payment.

Your policy includes a Table of Non-Forfeiture Values that shows the estimated cash value, paid-up insurance amounts, and extended term durations for different years. You can also request more detailed information from the company in writing.