|Products|| Rate reduction|
|Health priorities – 10 Pay|| 25%|
|Health priorities – 20 Pay|| 20%|
|Health priorities – Child, 20 pay|| 20%|
* The reduction percentage does not apply to the policy fee.
Health Priorites – to 100
- The rating applies to the premium of critical illness and the return of premium on death.
- The premium for the return of premium on cancellation is exempt from rating.
Health priorities - Business (EHP)
Company: The rating applies to the portion of the premiums paid by the company.
Shareholder / key employee
The rating applies only to the portion of the premium paid by the shareholder / key employee for critical illness and death benefits after the coverage duration chosen by the company.
The health benefit premium is exempt from rating.