The monthly premiums for your critical illness insurance policy, will be level for the entire term of your policy. You will have the option to select the coverage term you require, from a 10-year term, to a policy that provides term coverage to 75, or permanent. Whatever policy you select, your premiums will not increase during that term. You also have the option to extend your coverage to a longer term, or permanent coverage, and lock in your premiums for your new term. This conversion option is available to you without any medical underwriting at time of conversion, so you can be confident that you have affordable, life-long coverage at your disposal when you need it.