The amount of cover is guaranteed to stay the same for the period of time specified under "insurance term". The term of our cover is based on the age of the member when they join:

Members who sign up between the ages of 18-60 will have an insurance term of 20 years.

Members who sign up between the ages of 61-70, can do the following calculation: 75 minus your age at your next birthday, So if you're 65, you would do 75-66=9. Therefore your insurance term will be 9 years.

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