What is a buy back option?

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What is a buy back option?

A life insurance buy-back option is usually available to policies that are bundled with either TPD or Trauma insurance.

This is a common structure for life insurance policies as it lowers the cost of having separate insurances. It does mean however, that if you make a trauma or TPD claim, your life insurance benefit is reduced by the amount of that claim.

This is why insurers offer a buy back option.

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