E
The maximum increase in the Sum Assured for Total and Permanent Disability will be the lesser of five (5) times the Sum Assured at the Policy Commencement Date shown in the Policy Schedule , or the stated maximum increase as indicated on the Policy Schedule with a maximum total Sum Assured of $5,000,000. Any increase is subject to approval by Us . Any increase in the Sum Assured will require an additional Premium , the amount of which will be dependent on the current Premium Rates for the type of cover at the date the increase in Sum Assured is effected. Only one (1) increase can be made each year. The Business Increase Option will expire on the earliest of the following: • The date We receive Your written request to cancel the Benefit . • The maximum increase limit for the Sum Assured has been reached for the applicable Benefit . • If You are entitled to make a claim or We have paid a claim under this Total and Permanent Disability Benefit . • The anniversary of the Policy Commencement Date ten (10) years after the later of: o The commencement date of the Business Increase Option . o The last increase using the Business Increase Option We approved. • Non-payment of the Tota l Premium as set out in Period Of Assurance Section B, Clause 6, above. • The Policy Anniversary following the Life Assured attaining age sixty five (65). • The Life Assured's death. Upon payment of a full Total and Permanent Disability Benefit , We will pay an additional lump sum of $1,000 to the Policy Owner for the purposes of seeking financial planning and/or legal advice. Only one (1) Financial Planning and Legal Benefit payment per Life Assured will be made regardless of the number of additional Policies held with Us . If the Policy Schedule shows that You have selected an Accelerated Benefit Your Life Cover Benefit will be reduced by the amount of the Accelerated Benefit paid. Any other Accelerated Benefit on Your Policy Schedule will be reduced to the new Life Cover Benefit . If as a result of the payment of the Accelerated Benefit the Life Cover Benefit is reduced to nil the Life Cover Benefit and any remaining Accelerated Benefits on Your Policy Schedule will be terminated. If the Policy Schedule shows that You have selected the Buyback Life Cover option, on the anniversary of the payment of a Total and Permanent Disability claim, You may effect Life Cover with Us under a Policy or Policies , without needing to provide evidence of health of the Life Assured , for a sum not exceeding the claim amount paid under the Total and Permanent Disability Benefit . The Life Cover will be based on the age of the Life Assured and Our Premium Rates at the time, and will be subject to any loadings or restrictions (if any) which apply to this Policy .
F G
H
EXPIRY OF BUSINESS INCREASE OPTION
8
FINANCIAL PLANNING AND LEGAL BENEFIT
9
PAYMENT OF ACCELERATED BENEFIT
10
BUYBACK LIFE COVER OPTION
11
BCP-TPD-05/2026
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