Make sure that the needs of your loved ones are taken care of no matter what happens to you.
The premium rate of the plan is the amount of payment you need to make. For Active Joint Critical Protect, this will be the same for each of the 10 years of the plan. After that and when it automatically renews for another 10 years, you will have a new premium rate and it will be based on the age of both you and your loved one at the time of renewal.
Automatic Renewal means that it covers both you and your loved one for the first 10 years, and, barring a critical illness or a death claim, will continue to cover you for the succeeding 10 at an adjusted premium rate. The renewal will continue every 10 years.