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No, unfortunately not. If you pay via debit order for the whole five year term the cost will be R18 000. If you pay the single amount the cost is R8 975. That is a massive discount of R9 025. If you pay via debit order and then change to the once off you will unfortunately loose the debit order premiums you already paid. The once off payment is just a special, it can be increased or cancelled at any time.