If an insured purchases a guaranteed insurability provision on a life insurance policy:

		the insured is allowed to pay an extra initial premium in exchange for an assured option to buy more insurance at certain specified times later with no questions asked.
		the insurer is allowed to excuse the insured from paying premiums if the insured becomes disabled.
		the insured has to pay an extra $25 in exchange for a guarantee of coverage by the insurance should the insured become disabled.
		the insurer has to pay double the amount of the policy to the beneficiary if the insured dies from accidental causes.