You choose the amount of insurance or the amount of premium that best suits your needs and budget.

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Constant Coverage: Worldwide, 24 hours a day. The policy is owned by you (not an employer) and supplements any other insurance you may have. The plan remains in force as long as premiums continue to be paid; and the permanent plan premiums cannot be increased.  You will be billed individually and  may choose from several payment options — annual, semiannual, quarterly, monthly coupon book or monthly automatic check plan.