diff --git a/apps/web/config/tables/insurance-table.ts b/apps/web/config/tables/insurance-table.ts
index 0e35849..1c76358 100644
--- a/apps/web/config/tables/insurance-table.ts
+++ b/apps/web/config/tables/insurance-table.ts
@@ -86,6 +86,6 @@ export const defaultStatuses: Record<Insurance.Keys, Insurance.RowStatuses> = {
     insuranceCompany: 'Default',
     insured: 'Default',
     insCost: 'Disabled',
-    insTerm: 'Default',
+    insTerm: 'Disabled',
   },
 };
diff --git a/apps/web/process/fingap/reactions/common.ts b/apps/web/process/fingap/reactions/common.ts
index 18b85d7..5012196 100644
--- a/apps/web/process/fingap/reactions/common.ts
+++ b/apps/web/process/fingap/reactions/common.ts
@@ -55,13 +55,13 @@ export default function reactions({ store, apolloClient, queryClient }: ProcessC
       if (!finGAPInsuranceCompany) {
         $tables.insurance.row('fingap').column('insured').setValue(100_000_000).block();
         $tables.insurance.row('fingap').column('insCost').setValue(0);
-        $tables.insurance.row('fingap').column('insTerm').setValue(100_000_000).block();
+        $tables.insurance.row('fingap').column('insTerm').setValue(100_000_000);
       } else {
         $tables.insurance.row('fingap').column('insured').unblock();
-        if (leasingPeriod < 13) {
-          $tables.insurance.row('fingap').column('insTerm').setValue(100_000_000).block();
+        if (leasingPeriod < 16) {
+          $tables.insurance.row('fingap').column('insTerm').setValue(100_000_001);
         } else {
-          $tables.insurance.row('fingap').column('insTerm').unblock();
+          $tables.insurance.row('fingap').column('insTerm').setValue(100_000_000);
         }
       }
     },