The period of insurance is one year. However, we will automatically renew your policy (and coverage) every year until you reach the age of 100, if your policy is still active at the end of the period of insurance. You can choose not to renew your policy by writing to us 30 calendar days before the end of the period of insurance.
The premium we charge you for the subsequent year(s) will be the same as the premiums we charge people who have the same age, gender, sum insured and smoking status as yourself for the same policy on the day the policy is renewed. We will not take into account any changes in your health, but any conditions we imposed when we first issued this policy will apply to your policy.