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Does Your Current Life Insurance Provide for the Replacement of Your Form

Does Your Current Life Insurance Provide for the Replacement of Your Form

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so you've got several options when your term life insurance policy does end and option number one is going to be to convert the term policy to a permanent life insurance policy now this option is going to have to be written into the policy at the time of purchase so when you want to convert that term policy to a whole life or a universal life policy you're not going to have to show any proof of insurability meaning the insurance company is not going to require a medical exam now typically uh premium rates will increase when you convert from a term policy to a permanent life insurance product option number two is going to be simply to renew that term this option will have to be written into the policy um at the time of purchase again this also you will not have to show proof of insurability if you're going to renew it now you are going to have to pay probably a higher rate because you are going to be applying or renewing at your current age option number three is

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