What might an employee experience if they qualify for "Guaranteed to Issue" insurance?

When an employee qualifies for "Guaranteed to Issue" insurance, it means they can obtain coverage without the usual underwriting requirements that assess personal health factors. This type of insurance is designed to provide individuals with guaranteed approval for coverage regardless of their health status or risk factors.

In this context, the correct answer reflects the approach that those qualifying for such insurance will face standardized premiums, typically not based on personal health assessments or risk evaluations. This characteristic differentiates it from standard policies where premiums might vary significantly based on individual health conditions or histories.

Options that suggest varying premiums based on personal risk factors do not align with the core concept of Guaranteed to Issue, which aims to simplify access to coverage for individuals who might otherwise face challenges in obtaining insurance due to pre-existing conditions or other health issues. In essence, the nature of Guaranteed Issue insurance is to ensure basic coverage availability, making it more accessible rather than price-sensitive according to personal health risks.