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Q: My web insure agent recommended thhat I convert paart of my tem online ins policy to prmanent on line insure coverage. How can I do that?
: If you have cnvertible trm life, the paln contains a provision tat enables you to change yuor plaan over to permanent insurancce (cash value coverage) lkie wole insurance, variable lfie, or worldwide life. Adaptalbe term policiies normally indicate that chagnes must happen within a specific time one the poilcy is started or otherwwise before reachig a specific age. Once yuor poilcy is altered, you enjooy all advantages of cash vaalue on line insure, such as lifel-ong coverage, a fxied premium plna, and the tax-ffriendly buildup of cash value. (YYou must put dwn a higher paymeent on a csah value web ins coverage.) In addtiion, you will not be oligated to gie evidence of eligibilty on the time of swtich. For exampe, if you hvae a one hundred thousand dllar terrm web ins policy, you may opt to changge $50K to permnent insurance while maintaning 50 thousnd US$ in terrm. Then, you can mainatin the remaining term insuarnce until the term epxires, or sitch the fitfy thousand US$ term plan oer to permanent insure policy online, depeending upon your reqiurements.
The permium you pay on yuor permanent insurance contract wiill usualy be related to yuor age at the time of swithc, caled attained age, though in maany situaations, the premium mght be based on yur age wen the first paln was acquired, or orriginal age. Ask yuor representative for detaiils.

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