Which of the following would NOT be covered under a liberalization clause?

The choice that would not be covered under a liberalization clause is the option that mentions increased premiums without changes in coverage. A liberalization clause typically allows for the automatic inclusion of new benefits or enhancements in coverage without an increase in premium cost. The purpose of this clause is to ensure that policyholders benefit from any improvements in the insurance policy without facing additional charges.

When an amendment or policy change results in higher premiums without any corresponding improvement in coverage, it goes against the intent of a liberalization clause, which focuses on providing enhanced coverage or benefits at no extra cost. Thus, an increase in premiums without changes in coverage stands outside the provisions typically associated with a liberalization clause, as it does not align with the goals of making policies more favorable to the insured.