Jhas a life policy with the guaranteed insurability rider. j has just celebrated their 42nd birthday and realizes that she wants to use her rider and buy more death benefit.
which of the following will apply to j's request?

a. the insurer will allow j to add more insurance without proving insurability.
b. the insurer will allow j to add more insurance pending a paramedical exam.
c. the insurer will deny j's request to add more insurance.
d. the insurer will allow j to add more coverage pending proof of insurability and extra premium.

C. The insurer will deny J's request to add more insurance.

Explanation:

The Guaranteed Insurability Rider means extra policy which is an addition to  insurance rider policy and allows the purchaser of the policy to purchase extra life insurance on the life of the insured at prearranged periods of time.

Usually, this ability to purchase  extra life insurance  ends at the age of 40 and since the J has just celebrated the 42nd birthday, therefore he will not be eligible to buy more death benefit.

Based on the above discussion, the answer shall be C. The insurer will deny J's request to add more insurance.

since the options are not listed, when you are working on your budget you should also add water, tv, internet, miscellaneous and your 'fun' money for in your budget. when budgeting, you need to allow for fun money, and mis/accidental money so that you stick to the budget and not go crazy because you feel strapped to the budget.