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It seems as if $1M is the point where proof of health is required. This is usually done by a traveling nurse who takes your blood pressure, your pulse, collects blood and urine samples for lab testing, measures your height and weight, reviews your answers to standard health and family history questions, and quietly notes any glaring discrepancies between what you state and what is obvious to the nurse.
And maybe only the $30 per month premium is guaranteed. It might be worded so that higher risk parties will be restricted to size of policy. The $300K may be the max amount for only the youngest and healthiest customers.
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Saabs owned:
2008 9-5 Aero Sedan, sold at 227K miles
2006 9-3SC 2.0T - Wife's daily driver
2000 Viggen Convertible - Sold May, 2022
1964 Quantum IV Formula Car - Retirement project
2000 9-5lpt Sedan, sold at 318K miles
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