What is the term for the current insurance age with reference to an insured?

The term "attained age" refers to the current age of the insured person as it pertains to their insurance policy. This age is significant in determining premiums, benefits, and eligibility for certain coverages in life and health insurance. It reflects the age of the insured at any given point after the policy is issued, which can influence the risk assessment for the insurer.

Insurance companies often calculate premiums based on attained age rather than the age at policy issue, especially for certain types of policies that can be affected by the insured's current health status and age. Attained age is relevant for underwriting considerations and for determining costs when policies renew over time.

While policy age would refer to the length of time the insurance has been in force, and effective age could relate to when the coverage begins, neither captures the notion of the individual's current age in relation to the policyholder's evolving risk factor as does attained age. Insurance maturity is not a term commonly used in this context. Thus, attained age is the most accurate term for the current age of the insured in relation to their policy.