Male 40 years old, non smoker for $100,000 tax free benefit would cost you a monthly premium of $158.13, at age 65 if you decide to cancel the policy if no claims were made you would get back $47,439 all premiums back.

In reality, you are covered for $100,000 tax free benefits just in case you get diagnosed with one of 27 life threatening illness, or if you never put in a claim at age 65 fund your retirement.

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