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.