The only benefit I think you referring to is the size of Payback and maybe the "reduced" premium over time based on certain behaviours and steps you need to follow. You best need to discuss this with the advisor who you have a relationship with, seeing your entire portfolio is with them. There are plenty of variables that come into play and a deeper lifestyle discussion needs to take place so you fully understand what you signing up for and then re-evaluate at anniversary to determine whether it worked out for you or not. You cannot make a decision via this thread or forum, it needs to be offline and open enough to understand who you are and how best your needs can be addressed.
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