Material Change or Not?

[JoJo]

A material change is defined as "any increase in the death benefit under the contract or any increase in, or addition of, a qualified additional benefit"

Does anyone have advice on which of the following is or is not a material change (for UL type plans):
(1) a premium class change, and the guaranteed mortality and/or expense charges do change
(2) a premium class change, current charges change, but the guaranteed mortality & expense charges do not change
(3) an improvement in a substandard rating

assume there is no increase in the face amount of the policy.

Thanks!

[wheat66]

Here's what we do:
1) MC (I've heard of one company that says "not MC" here)
2) not MC
3) MC