$ 5,000 will be paid upon commencement of the course of study, with the remaining paid after their first year in the classroom. (educationmattersmag.com.au)
Many bloggers recommend dumping the card after the first year for that reason. (lazytravelers.net)
You may withdraw up to 10 % of your policy's accumulated contract value each year after the first year without incurring a surrender charge. (bankerslifeinsurance.com)