It may be particularly appropriate for any member seeking term life coverage at an affordable monthly premium. Once accepted, you are guaranteed coverage until age 80.
Benefits remain level for as long as coverage is in force.
Your premiums will increase as you enter each new five year age band. Premiums are not guaranteed. However, your rates may change only if they are changed for all others in the same class of insureds under this group policy. For example, a class of insureds is a group of people with the same issue age and gender. No Waiting Period Benefits are payable in full from the very first day your coverage takes effect, normally, seven days after your Enrollment Form is received, provided premiums are paid when due and your Enrollment Form contains no material misrepresentations about your medical history.