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Text[0]=[" Are you a smoker?","Most companies class a smoker as someone who has smoked in the last 12 months. However, some companies consider you to be a non-smoker if you have quit for a shorter period. Please advise if you have been a smoker in the comments section."]
Text[1]=[" Term Life Insurance","provides a lump sum payment to the policy owner or nominated beneficiaries in the event that the life insured dies while the policy is in force."]
Text[2]=[" TPD insurance","provides payment of the sum insured should they become totally incapacitated through injury or illness, and the policy’s definition of TPD is satisfied."]
Text[3]=[" Trauma Insurance","will provide a capital lump sum benefit on diagnosis of any one of a number of specific traumatic health conditions defined in a particular policy."]
Text[4]=[" Total salary","for the purposes of this policy your salary is defined as your total remuneration package, including fringe benefits."]
Text[5]=[" Waiting period","benefits are payable after the selected waiting period, waiting periods vary between 14 and 720 days. The longer the waiting period the lower the premium."]
Text[6]=[" Benefit period","benefits are payable after the selected waiting period (above) and are payable for a predetermined period, known as the benefit period as long as the insured continues to be totally or partially disabled. This period can range between 2 years to a lifetime. The shorter the benefit period the lower the premium."]
Text[7]=[" Business expenses","business expenses includes costs associated with running your business such as, premises, services, equipment, salaries & related costs, advertising, accounting, insurance premiums, postage, cost of employing your suitable replacement etc....."]
Text[8]=[" Waiting period","benefits are payable after the selected waiting period, waiting periods vary between 14 and 90 days. The longer the waiting period the lower the premium."]


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