In the case of natural death, the claimant receives the guaranteed sum assured and the account value.
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In the case of accidental death, the claimant receives the account value and double the amount of sum assured.
They assured us that the premium would stay the same throughout our life and the sum assured would stay the same.
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"We were looking for a policy where the sum assured stayed the same, and the premiums stayed the same, " Yoga explains.
He can live off money borrowed against that huge sum (rest assured, he can get good interest rates), never having to sell any asset at a gain, and never having to get an "ordinary" salary again.
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