Applications are reviewed and approved based on answers to your health questions.
Coverage will be either Guaranteed Issue or Standard Issue.
Guaranteed Issue coverage is offered when any health question is answered “yes.” You are provided limited coverage (return of premiums with annual simple interest during the first 2 years) as death benefit. If death is accidental, you are covered on day one.
Preferred/Standard Issue coverage is offered when all health questions are answered “no.” You will receive full coverage.