The insurance coverage at member level will cease at the earliest of:
Member attaining age 76 years (in case of joint life, any life attaining age 76 years) or on death or ATPD (if member avails this benefit) or CI (if member avails this benefit) whichever is earlier
Non-payment of premium under limited/regular premium after the grace period
The end of cover term
Surrender of the contract by the member.
Death of the first life in case of joint life coverage on first claim basis