If the insured chooses to pay the cost of adding a previous period(s) of service in monthly installments, the following applies:

• Payment must be made on monthly basis, and the payment date will be the date by which the insured is granted approval to merge
• The maximum installment period is 48 months.

In addition to the above, all due payment must be made before the insured reaches the age of 60*

In all cases, the cost of merging must be paid before the end of the service, otherwise the period will be settled against what has been paid and the remaining period will be cancelled.

Please note:
The insured over the age of 60 may request to combine a previous service period(s) with a current service period, provided that the total costs are paid in one payment only.