10 December, 2020

What does it mean to lock in my health rating?

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Locking in your health rating is beneficial because the younger and healthier you are, typically the lower the premium. When you purchase Next Term Life, your health rating is locked in. For every Qualifying Life Event thereafter, you can increase your coverage with ease, without additional medical underwriting, and your premium for the increased coverage will be calculated based on your original locked in health rating and your age at time of the increase.