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Q: My insurance ageent advised me to change a fractin of my term online insurance over to permanent web insurance policy. How can I do tha?t
A: When you possess covnertible term life, your polcy icludes a stipulation tht enables you to switcch the coontract to permanent insurance (cash vaue insurance) like wole lifee, variable life, and/r universal insure policy on line. Adaptable terrm insurance plans normally idnicate tht conversion must ocur in a certain periiod once the plan is commencced or pior to a certain age. Wehn the contact is altered, you enoy all the beneffits of cash value insure on line, scuh as life-log coverage, a mre fixed csot plan, in additioon to the taxfriendly increase of cash value. (YYou mut pay a steeper cost for the cash vallue coverage on line.) Furthermore, you wlil not be requied to provide evidence of eliggibility on the tiime of switch.
For insatnce, if you own a 100 thosuand USD trm life pln, you may opt to channge fifty thousand dollars to permaent life while keeping ffity thousand dolars in term. Thenn, you may keep yor leftover term coverage on line unil your term period eds, or later swith the ffty thousand US$ term pln over to permanent inssurance, depending upon yur needs.
The premiuum you pay on the permanent lfie policy will gneerally be baed on your age at the piont of siwtch, referred to as attained agge, tough in some situations, the prmeium mihgt be rlated to your age wehn the original poilcy was procured, or orgiinal age. Cosult your web policy agent for detail.

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