Yes there is. Some other supplementary benefit riders you can add on to further enhance your coverage is: – Critical Illness (Advance Stage) – Premium Waiver in the event of Critical Illness – Total and Permanent Disability You can also alter and customise the coverage period best suited to your tenure. For HDB, it has to match your loan term. For private properties, you can have it at your discretion but our advice is to match the actual loan tenure. Insurers can go up to 35 years to match with the bank’s maximum mortgage loan period. You also can choose the interest rate to be reduced for your MRTA. Interest rate is included to factor in inflation and how fast the sum assured decreases yearly. A high interest rate slows down the yearly decreasing rate.