One of the ways that personally owned DI policies can be differentiated from eacl guarantees afforded the policyholder in the contract. These can range from an al policy can never be altered or cancelled, or the premium increased during the lit contracts that can be cancelled at any time by the insurer. One of the most con non$-$cancellable policies.

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

The rights afforded the policyholder are virtually incontestable for the lif

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.