| On substandard risks, this amount is an additional charge to the insured for a predetermined
period of time, such as five years. The idea here is the same as for the Permanent Flat extra
(compensating for additional risk); however, in this case the risk is not regarded as
perpetual, but if the insured lives beyond, say five years, he/she can be regarded as a
standard risk. A temporary flat extra might be used where the insured recently had serious
surgery, yet if he/she survives that surgery by x amount of years, he/she can be regarded as a
standard risk. |