Guaranteed Insurability

Definition of "Guaranteed insurability"

Stephanie  Kane real estate agent
Stephanie Kane, Real Estate Agent Keller Williams Gateway Realty

Right of an insured to make additional purchases of life insurance without having to take a physical examination or show other evidence of insurability. Additions can be bought at stated times; upon specified policy anniversaries such as every fifth year of a policy up to a maximum age (usually 40 or 45); or upon the birth of a child. Many young families should consider adding this option, since a likely time to add to a life insurance portfolio is when family obligations increase.


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