Why is my initial charge lower than the reoccurring charges?  

The initial charge is to provide temporary coverage until a final underwriting decision is made based on your medical exam. Your initial charge may be lower for two reasons:

1. Temporary coverage does not include the Waiver of Premium as this option is only on full coverage. Therefore, when you accept your full coverage, it will include the base premium plus the Waiver of Premium

2. There could potentially be information found in the medical exam that would cause a price increase.  Don't worry, if this is the case, you will be notified and will need to approve before we would draft from your account again

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