Example 2 – Revised into clear writing

Refund of premiums, TRANSITION 4 – T75 coverage
If you have made no claims by age 65 (or 10 years after the policy is issued, whichever comes later)

• you can cancel this policy and get back 75% of the amount you have paid in premiums (with certain exceptions).
• each additional year beyond the first 10 will add 5% to the amount you can get back, up to 100% upon 15 years of coverage.

If you had previously been covered by the Critical Illness 4 – T10 R&C policy with the flexible Return of Premium Benefits, the premiums you paid then will also be included.