Benefit that can be added to a life insurance policy permitting the issured to purchase additional amounts of life insurance at specified times in the future without requiring evidence of insurability.

A policy provision sometimes included in long-term care (LTC) insurance policies that allows an insured person to increase the original daily benefit amount at intervals specified in the policy without having to provide evidence of insurability.

The provision in a life insurance policy that grants the insured the option to purchase additional amounts of life insurance without evidence of insurability.