Guaranteed insurability allows the insured to:

Guaranteed insurability allows the insured to:

• A. Skip medical exams for future increases
• B. Buy more insurance after age 70
• C. Switch to variable products
• D. Cancel the policy

Answer: (A)

Guaranteed insurability is a rider that allows you to purchase additional life insurance at predetermined times or events without providing evidence of insurability. The main benefit is you can increase the death benefit without undergoing medical exams when you exercise the option. This directly matches the idea of skipping medical exams for future increases. It isn’t about switching to variable products or canceling the policy, and increases are typically limited to certain ages or life events with premium adjustments based on your attained age.

Guaranteed insurability is a rider that allows you to purchase additional life insurance at predetermined times or events without providing evidence of insurability. The main benefit is you can increase the death benefit without undergoing medical exams when you exercise the option. This directly matches the idea of skipping medical exams for future increases. It isn’t about switching to variable products or canceling the policy, and increases are typically limited to certain ages or life events with premium adjustments based on your attained age.