How might premiums change after initial Aflac enrollment?

• A. Premiums never change after enrollment.
• B. Premiums are fixed until the policy ends.
• C. Premiums can increase with age and underwriting adjustments; some plans may have level premiums for a term; others may adjust at renewal.
• D. Premiums decrease automatically every year.

Answer: (C)

Premiums after enrollment can change because the price of coverage is tied to factors that evolve over time, especially age and underwriting status. When you first enroll, you may have a level premium for a set term, but as you get older, the risk the insurer takes on can increase, and underwriting adjustments or changes in your health or class can raise your rate. At renewal, many plans may adjust premiums based on your new age and current underwriting. Some plans truly do maintain the same premium for the entire term, but others reset or increase at renewal. That’s why the correct idea is that premiums can rise with age and underwriting changes, while some plans keep a level premium for a term and others adjust at renewal.