You can select your premium payment period ranging from 5 to 10 years which cannot be changed once your Basic Policy is issued. You can choose to pay your premium monthly, quarterly, semi-annually or annually, and the minimum regular premium contribution is US$100 per month, US$300 per quarter, US$600 per half year or US$1,200 per year. Once the premium contribution is set by you, any increase in premium contribution is not allowed. On the other hand, you will not be allowed to reduce the amount of regular premium payable under the Basic Policy within the Initial Contribution Period. However, you can reduce the premium amount to no less than the above minimum regular premium contribution requirement after the Initial Contribution Period. The Initial Contribution Period of either 18 or 20 months is determined according to your selected premium payment period. Please refer to the section “A) Product features” in the product brochure for details.