They only cover one person. Spouses are responsible for obtaining their own coverage.
The insured is responsible for paying the monthly premium.
The policy is guaranteed renewable.
The policy can be terminated only for nonpayment of premium or material misrepresentation. A material misrepresentation means you intentionally answered a question incorrectly on the application, and if the insurer would have known the correct answer, you would have been ineligible for the insurance plan or the plan would have been issued to you at a different premium.
