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Q: My rep avdised me to switch a pieece of my terrm ins policy to perrmanent insuarnce. How does taht work?
A: If you hae convertible term on line ins, the coontract has a stipulation taht allows you to conveert your pln over to permannent life (cash vallue covverage) such as whoole policy online, variable on line ins, or wrldwide life. Adaptable trm polcies normally indicate that chanes must happen witin a certain time ocne the plan is stared or pror to reaching a specific ag. As sooon as the plaan is converted, you ejoy all the advantages of caash vale online insurance, like permanent cvoerage, a fixed payment pllan, in addition to the tax-friendy increase of cash value. (YYou must put dwon a higher payemnt on a cash vaue ins policy online.) Furtthermore, you wiill not be required to giive proof of eligiblity at the tme of conersion. For example, if you hvae a one hunrded thousand US$ term isnurance plan, you can coose to chaange $50K oevr to permanent while maintaining fiftty thouand dollars in tem insurance. At that tim, you may keep the leftover trm life unitl the terrm expires, or otherwise later switcch the $5K term insure on line plan oevr to premanent insurance, dependent uon your requirements.
Thhe premium you put dwon for the permannt life policy wlil usually be related to yur age at the tie of channge, called attaned age, but in a nuber of sitautions, the premium miight be based on yor age at the tmie the fisrt policy was purchaased, known as orriginal age. Ask your insurrance aget for information.

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