The calculations above are estimates only due to mathematical rounding.

# Premiums are only payable to age 70 for existing members (and then your cover is FREE)

Premiums will never change. It is fixed and never increases.

* Your funeral benefit will generally be paid to your nominated beneficiary
within 24 hours of us being advised of your passing.

Your funeral benefit will never decrease, but it may increase with the bonuses
that we allocate to you from our surplus funds.