While the Policy is in force, renewal is guaranteed at the end of the Policy Benefit Term before the Life Assured’s 99th birthday without further evidence of insurability. Premiums will be adjusted based on the applicable premium rate for your attained age at policy renewal. For example, if you renewed a WeCare Term Life Protection Plan TL3 policy with a 20-year Policy Benefit Term at age 64, when the policy expires at your age of 84, the renewed Policy Benefit Term will be reduced to 15-year.