Which statement describes renewable term life insurance?

• A. Renewable term requires medical underwriting at renewal.
• B. Renewable term cannot be renewed after initial term.
• C. Renewable term cannot be renewed without evidence of insurability.
• D. Renewable term can be renewed without evidence of insurability.

Answer: (D)

Renewable term life insurance lets you extend coverage after the initial term without having to prove you’re still insurable. At renewal, you typically don’t go through medical underwriting again; instead, you pay a higher premium that reflects your older age. This is why the statement that it can be renewed without evidence of insurability is the best description.

The other statements don’t fit because renewals generally don’t require new underwriting, it is designed to be renew-able after the initial term, and renewals without evidence of insurability are a defining feature.