If you have taken care of your body and maintained your lifestyle, you would likely be able to qualify for a new policy at
the same health class as before.
You'll receive
the same health class when you applied.
But because Joe is going to exercise the conversion privilege that comes with a good Term Life policy, he will get permanent coverage in place at
the same health class as when he was 35.
That means no exams, no underwriting and you get
the same health class you were approved for at the inception of the policy, despite your current health.
You can convert to a permanent policy at
the same health class you have with your current policy.
Your GIO rider covers these by placing you in
the same health class as you were when you initially bought coverage.
Yes, you can receive the standard rating which is
the same health class that the average American receives.
The conversion option lets you keep your coverage in
the same health class that you applied.
They'll take your approval and offer
the same health class.
Everyone in
the same health class and the same age and gender as you will pay the same premium payment for the specific face amount and term length.