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Life · Chapter 5 · Riders

Guaranteed Insurability Option (GIO)

Definition
Buy additional coverage at set dates/life events (marriage, birth) with no evidence of insurability. Missed options can't be recovered. New coverage priced at attained age.
Easy to confuse with

These are what this term gets tested against — if you can't tell them apart cold, drill the contrast.

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Verified against primary sources · 2026-08-10