You may find that you can reduce the costs of your premiums by:
varying your waiting period;
choosing a lower benefit period;
reducing your monthly benefit amount; or
if you've stopped smoking for longer than 12 months (contact us and we may be able to apply a discount).
When deciding whether to adjust any of these aspects of your cover, you should consider your financial situation and the impact the change may have on you in the event you need to claim.