Common use of Juvenile Insured Clause in Contracts

Juvenile Insured. This provision only applies if the Insured was under Age 18 on the Policy Date. Beginning when the Insured attains Age 18, you will have an opportunity to improve your policy’s Risk Class as compared with the Risk Class that applied prior to Age 18. This may reduce the actual Cost of Insurance Charge that is deducted from your policy’s Accumulated Value. At least 60 days prior to the Insured’s Age 18, we will send to your last known address a notice of your right to apply for an improved Risk Class for the Insured of “Nonsmoker”. In order to qualify for such improved Risk Class, you will be required to supply Evidence of Insurability. In order for such improved Risk Class to take effect at Age 18, you must make the Written Request prior to Age 18. If you do not request an improved Risk Class for the Insured, a Risk Class of “Smoker” will be assigned.

Juvenile Insured. This provision only applies if the Insured was under Age 18 20 on the Policy Date. Beginning when the Insured attains Age 1820, you will have an opportunity to improve your policy’s Risk Class as compared with the Risk Class that applied prior to Age 1820. This may reduce the actual Cost of Insurance Charge that is deducted from your policy’s Accumulated Value. At least 60 days prior to the Insured’s Age 1820, we will send to your last known address a notice of your right to apply for an improved Risk Class for the Insured of “Nonsmoker”. In order to qualify for such improved Risk Class, you will be required to supply Evidence of InsurabilityInsurability satisfactory to us. In order for such improved Risk Class to take effect at Age 1820, you must make the Written Request prior to Age 1820. If you do not request an improved Risk Class for the Insured, a Risk Class of “Smoker” will be assigned.

Juvenile Insured. This provision only applies if the Insured was under Age 18 on the Policy Date. Beginning when the Insured attains Age 18, you will have an opportunity to improve request a change to your policyPolicy’s Risk Class as compared with the Risk Class that applied prior to Age 18. This may reduce the actual Cost of Insurance Charge that is deducted from your policyPolicy’s Accumulated Value. At least 60 days prior to the Insured’s Age 18, we will send to your last known address a notice of your right for a change to apply for an improved a different Risk Class for the Insured of “Nonsmoker”Insured. In order to qualify for such improved a changed Risk Class, you will be required to supply Evidence of InsurabilityInsurability satisfactory to us. In order for such improved said Risk Class to take effect at Age 18, you must make the Written Request prior to Age 18. If you do not request an improved to change the Risk Class for the Insured, a Risk Class of “Standard Smoker” will be assigned.