The policy under No Insurance Benefits (NIB) does not include the term life insurance component and the waiver of installment due to death and disability of your long term healthcare coverage. It has coverage of your healthcare benefits as contained in the contract provision of your policy such as:
Annual Physical Exam
Dental Benefits
Annual Benefit Limit
Accidental death & Dismemberment from accumulation until the 20th year
Lifetime Network Access to over 500 hospitals and over 1000 doctors as long as you have funds
Long-term care bonus
Long-term care benefits
Basic Medical Benefits
Accumulation of unused yearly health benefit & bonus