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Preexisting
conditions clause
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excludes
from coverage certain preexisting conditions that
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existed before
the policy was issued
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Guaranteed
renewability
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guarantees
coverage up to a specified age
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Policy
limits
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limits
the payout for a given illness or accident with a
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lifetime or
annual maximum
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Waiver
of premium
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waives
premium should you be unable to work because of
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illness or
injury
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Exclusions
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excludes
certain illness or injury from coverage
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ex.,
self-inflicted injuries, or injuries covered under workers’
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compensation
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