The premiums at issue or upon renewal are based on the attained age of the life insured at that time. Given this fact, which of the following statements is NOT true?

Select one:

a$.$ If Tim, an applicant for a universal life insurance policy, was turning $33$ tomorrow, using last birthday, his attained age would be $33$

b$.$ For group insurance the rate is usually 'yearly renewable term' and the age rate is the average age of all life insureds covered

c$.$ If Sue, an applicant for a whole life policy is $32$ and her birthday is March $26,$ on September $27$ her attained age would be $33$ using age nearest birthday

d$.$ If John, an applicant for a term insurance policy, had turned $32$ two months ago, using age next birthday, his attained age would be $33$