At renewal, which aspects of an Aflac policy may change?

• A. The client’s birthday
• B. Premiums and terms can change with age and underwriting outcomes; coverage terms may be updated per policy
• C. The policy becomes void automatically
• D. The premium is always fixed and cannot change

Answer: (B)

At renewal, what changes for an Aflac policy are driven by aging and underwriting results. As you get older, the cost of coverage typically changes because the risk to the insurer shifts, so premiums can increase. Renewal underwriting decisions—such as health status updates or changes to rider eligibility—can also affect both the premium and the benefits available. Because of these factors, premiums and terms can change with age and underwriting outcomes, and the coverage terms themselves may be updated per policy. That’s why this is the best answer: it reflects how renewal can alter both cost and coverage, not just a fixed price. The birthday is a fixed date and doesn’t change, the policy doesn’t automatically void at renewal, and premiums aren’t necessarily fixed forever.