|What are the general guidelines that determine preferred non-smoker rates?|
|What is the "guarantee period"?|
|Rate guarantees vary by product and by company. The
guarantee period indicates the number of years the premiums are
guaranteed not to change.
|What does "age basis" mean?|
|Age basis indicates how your age will be determined for premium
calculations. Nearest indicates that either your next or last
birth date will be used based on which you are nearest to. Last
indicates that only your last birth date is used.
|What does "renewable" mean?|
|The right, for a specified period of time, to renew your
insurance coverage without providing medical information.
|What does "convertible" mean?|
|The right, for a specified period of time, to exchange your
insurance coverage to a permanent form of insurance, regardless of
health or insurability.
|What are the financial ratings by rating service?|