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How to Insure Your Income: Reducing The Premium

The policy's premium can be reduced by changing the length of the elimination and/or benefit periods and benefit amounts.

The following chart illustrates these points.

Premium Considerations

Objective Action
Lower the premium Reduce the benefit period
Raise the premium Increase the elimination period
Increase benefit period Reduce benefit amount
Lower elimination period Cut optional benefits
Increase the benefit amount Add optional benefits
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