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Note the following:

1. Benefit period – is the time/length of your claim period. This can generally be up to age 65.
2. Waiting period – is how long you intend to wait after you have been diagnosed with an illness/injury and are unable to work, before you start claiming. This can generally be up to 30 days.
3. Stepped premiums rise with age, level premiums increase in a more consistent manner as the age based increase is apportioned over the life of the policy.