that is the prblem with the single premium policies as you pay for them upfront - where you can it is best to avoid these polices as they will always cast more. If possible get a monthly premium policy with a seperate provider.

 However, its probably best to get seperate policies for life, accident & sickness  and unemployment to ensure that you are getting the best possible policies.

 The problem with monthly polices is that the provider can cancel them whenever they want so could leave you in trouble if you need to claim.