In some cases, coverage may still be issued. However, the coverage may be modified or a particular condition excluded from coverage, or an extra premium may be charged because of adverse health history.
Many insurance companies determine your age as your age at your nearest birthday. As an example, if you were born on January 1,1968, your "insurance age" in 2008 would be age 40 up until June 30th, 2008. Thereafter, it would be age 41 until June 30th, 2011.
The date your policy is issued determines your
As it typically takes 30 - 90 days to approve a policy, the premium of your policy might differ slightly from your original quotes.
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