Example 1 – Original
Any person attempting to avoid full payment of telecommunication services by any method, scheme or device is in violation of the law. Persons committing such theft are liable for heavy fines or imprisonment.
Example 1 – Revised into clear writing
It is illegal to avoid paying telephone charges. You will be fined or jailed if you are caught.
Example 2 – Original
Starting when the insured reaches age 65 or on the 10th anniversary of the
TRANSITION 4 – T75 coverage, whichever is later, and until the
termination of the TRANSITION 4 – T75, the applicant may, on written
request, terminate this coverage in order to take advantage of the Flexible
Return of Premiums Benefit provided that no critical illness benefit has
been fully paid.
In accordance with the previous paragraph, starting when the insured
reaches age 65 or on the 10th anniversary of the TRANSITION 4 – T75
coverage, whichever is later, the amount paid by the Company equals
75% of the total premiums paid since the issuance of the coverage
including extra premiums, but excluding those payable for additional
benefits and the Transition 4 Child Rider, if any, without interest.
Afterward, the percentage of reimbursement of paid premiums increases
proportionately to reach 100% when the insured reaches age 75, the date
on which the coverage terminates. When the TRANSITION 4 – T75
coverage is issued following the conversion of the Critical Illness 4 – T10
R&C coverage that contained the Flexible Return of Premiums rider, the
premiums paid since the Critical Illness 4 – T10 R&C was issued will also
be included in the payment of the Flexible Return of Premiums Benefit,
in proportion to the premium related to the converted insurance
coverage.