Benevolent Life is not a guaranteed issue plan. Underwriting is simplifies, but could result in rejection or postponement. There are no available riders. Annual Renewable Term Annual Renewable Term is a temporary plan of insurance available at issue ages 18070, renewable to age 99. Rates are gender distinct and tobacco distinct.
Premiums increase each year at anniversary according to insured's current age.
Coverage is convertible to age 70 to any permanent plan of insurance offered by the society without proof of insurability. The new plan may be for any amount up to the current in-force value of the converted certificate. There is no cash value. Dividends are not anticipated. Premiums are subject to change, but may not exceed maximum guaranteed premiums.