If you outlive your term life coverage you may have several options available to you:
- Go without life insurance protection if you no longer have a need.
- Buy a new life insurance without any health exam needed.
- Buy a new life insurance policy that is fully underwritten, including an exam.
- You could choose to renew your term life policy before it expires by contacting your life insurance company and agent, and requesting the option to renew coverage.
Your rate will be based on your age at time of renewal, and you will not have to take a medical exam to prove insurability.