One of the ways that personally owned DI policies can be differentiated from each other is by guarantees afforded the policyholder in the contract. These can range from an absolute guar policy can never be altered or cancelled, or the premium increased during the lifetime of th contracts that can be cancelled at any time by the insurer. One of the most common types non$-$cancellable policies.

From the list below select the features that do not apply to non$-$cancellable policies.

The rights afforded the policyholder are virtually incontestable for the life of the

The policy usually extends to age $70$ or $75.$

The policy cannot be cancelled unilaterally by the insurance company.

Policy benefits cannot be reduced or modified.