The basic benefit is computed as follows:


Death and total and permanent disability benefit for a standard life


Age at death or being totally and permanently disabled Basic benefit
Under 60 1.25 x net premium [1]
Above 59 1 x net premium [1]

Death and total and permanent disability benefit for a non- standard life age

Age at death or being totally and permanently disabled Time the insured event happens Basic benefit
Under 60 Within one year from the cover start date [2] 1 x net premium [1]
Under 60 After one year from the cover start date [2] 1.1 x net premium [1]
Above 59 At all times 1 x net premium [1]

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