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 injury, 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?