Prática Life and health insurance (Texas)

Tomás, 38, owns a 10-year level term policy with a renewal option. The term ends next month, and he plans to renew without taking a medical exam. What should he expect to happen to his premium when he renews?

• AIt stays the same, because renewal locks in his original premium
• BIt drops, because the policy has built cash value over 10 years
• CIt rises, because the new premium is based on his age at renewal
• DIt is set only after he passes a new medical exam