Benefits typically include: death benefit (sum assured paid in full to beneficiaries), optional accidental death benefit (additional lump sum on accidental death), optional permanent total disability benefit, optional critical illness benefit (lump sum on first diagnosis of listed conditions such as cancer, stroke, heart attack, kidney failure), waiver of premium on total disability, and mortgage protection option (decreasing sum assured aligned to an outstanding loan). Note: If you survive to the end of the policy term, no benefit is paid and the policy expires — term life provides protection only, with no savings element. We recommend a sum assured of at least five times your annual income, matched to the term of your longest financial obligation.