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We understand that sometimes the unexpected happens and you may not have access to as much money as you normally would. If this happens to you, GIO customers have two options:

1. Premium Freeze Benefit

If you choose to pay with stepped premiums, the Premium Freeze Benefit allows you to stop any increases to your premiums because of your age. Your premiums will remain the same and your sum insured will reduce each year.

2. Premium Pause Benefit

Over the duration of your policy, whether you pay stepped or level premiums, you can stop paying your premiums for up to three months thanks to the Premium Pause Benefit. While the premium is paused, you’ll be covered for accidental death only.