Sorry if I missed the answer to these questions that I have.

1. Do we have to go through a medical/underwriting process to get the GVUL?

2. I have the term life maxed out right now. I pay out of pocket to have more coverage on top of what is free from the company. Can I get covered to that same amount with the GVUL? Would that require underwriting if that option is available?

3. Is it possible to keep my full term plan and opt in to the GVUL too?

Thanks