He can increase his coverage without proving insurability either. (bestliferates.org)
Although your premiums may increase at renewal time because your life expectancy is shorter, you'll be able to renew your policy without having to prove your insurability again. (us.axa.com)
If the policy is allowed to expire, you may be required to re-apply for life insurance coverage, and prove insurability by taking a medical exam. (term-life-online.com)