Hey Marie,

You have asked a very good question. I believe in years past there was information that discussed the Guaranteed Insurability Rider (GIR) in greater detail. As you know, there are typically six (GIR) options at certain ages, typically, 25, 28, 31, 34, 37, and 40. Also, many companies will allow the policy owner to exercise an option early, if there is a marriage or the birth of a baby. The maximum option amount was determined by the amount purchased, not to exceed the face amount of the policy. Historically, the actual maximum has been $100,000. This maximum varies by insurance company. This is where the question emanated. It appears that I need to do some work on the course material. Thank you.

Jerry Bateman