Paul is employed as a teacher and has paid premiums for the following insurance policies this year: 

• Life insurance – this will pay a lump sum payment on his death 

• Salary continuance – this will pay a weekly amount of 60% of his salary if he is off work due to illness 

• Trauma insurance – this will pay a lump sum amount if Paul suffers a critical illness or serious injuries, such as cancer, heart condition, major head injury, or stroke. The insurance premiums have been paid directly by Paul – not through his superannuation fund. Which insurance policy/policies will Paul be able to claim as a deduction on his tax return and why?