Bowtie "Term CI”, “Term CI Multiple Cover”, and “Term CI Early Stage and Multiple Cover” can all be renewed up to age 100. If no major critical illness claim has been paid or is payable, the policy is eligible for renewal from age 86 to 100.

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Before insured’s renewal age reaches age 86, Bowtie will contact the policyholder via email or customer portal to obtain confirmation for converting the “Term CI Multiple Cover” and“Term CI Early-Stage and Multiple Cover” to "Term CI," which provide single-pay major critical illness coverage, given that the coverage for early-stage and multiple critical illnesses ends upon the policy renewal date at the age of 86. Early-stage claims have no impact on this renewal.

In addition to early-stage and multiple critical illness coverage, the following supplmentary coverages will also terminate before insured’s renewal age reaches age 86:

• “Total Permanent Disability” and “Loss of Independent Existence” endupon the policy renewal date at the age of 65.
• “Major Medical Treatment” ends upon the policy renewal date at the age of 70.

Worth noting, If the insured person is diagnosed with a critical illness at a very old age, the total critical illness premiums paid may exceed the sum insured. For example, a man purchases $1 million Bowtie Term CI, renews it till the age of 82, and then suffers from critical illnesses unfortunately at the age of 82. The total paid premium may exceed $1 million.