I have a renewable level premium term life policy in the 6th yr. of a 10 yr. term. The policy reads: "Renewability: this policy may be renewable for additional term periods. Evidence of the insured's insurability need not be furnished." When I tried to renew the 10-yr. term, I was told that I'd have to go through underwriting again. Their position was that renewal meant automatic renewal at the end of the existing term, with the premium going up each year with age (what I understand to be an ART, in which case I would not have to go through underwriting. My understanding is that "this policy" means the 10-yr. policy that is the basis of our contract. Nowhere does the policy say anything about annual renewability. What's your opinion?