The basic benefit is computed as follows:


Death, total and permanent disability benefit for a standard life


Age at death, or being totally and permanently disabled Basic benefit
Under 65 1.05 x net premium [1]
Above 64 1 x net premium [1]

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

If you have certain medical conditions at the point of underwriting or within 90 days after your cover start date[2], the basic benefit is as follows:

Age at death, or being totally and permanently disabled Basic benefit
Under 65 1.01 x net premium [1]
Above 64 1 x net premium [1]

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