Explanation
means the insurer requires current proof that the insured still meets acceptable standards. This can happen when someone applies for new coverage, requests a policy increase, or exercises a contractual option that does not come with guaranteed eligibility.
Example
A client may be able to increase coverage without new medical evidence only if the policy includes a feature. Otherwise, fresh may be required.
Common mistakes
A common mistake is assuming all policy changes can be made without new medical review once coverage has already been issued.
Summary
protects the insurer from new undisclosed risk and should always be considered before promising flexibility to a client.