How often do Aflac policies typically renew, and what may change at renewal?

• A. Semiannual renewal with no changes to terms
• B. Quarterly renewal with fixed premiums
• C. Annual renewal; premiums and terms can change with age and underwriting
• D. Renewal is only automatic with no changes to terms

Answer: (C)

Renewals happen annually. Each year, the insurer reviews the account and may adjust premiums based on the policyholder’s current age, and underwriting considerations can affect which terms or benefits are available. In other words, as you get older and as underwriting evaluates the policy, both the cost and some aspects of the coverage can change at renewal. That’s why the best description is an annual renewal with potential changes to premiums and terms tied to age and underwriting.