Unlike a life cover, where your premium gets locked when you buy a term cover, the premium of a medical cover changes as we age. You need to look at two things in price. How does the price compare with policies from other companies right now and how does the price compare over the years? Your policy may cost the least today but may become the most expensive when you hit age sixty or seventy. If you are buying from an agent, ask him to show you the price comparison at ten-year differences. If you are forty, ask for the price of the policy as it is today when sold to a fifty-, sixty- and
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