A few years ago you purchased your term life insurance policy. You pay a
very inexpensive premium.
You have enjoyed the security that this policy afforded you over the years.
You have recently discovered that a hereditary disease will likely rear its ugly head.
Even though your youngest is close to graduation you will still need your life insurance policy as you want to protect your mate in case you should die suddenly.
You could try to buy some more term life insurance that would give you a
few more years of protection. The problem is that you may not be able
to get it because of your recently discovered health problem.
If the company approves a policy you will have to pay considerable more for it. There is only one solution. If your original policy is still within the conversion period allowed by the contract you may want to convert your term policy to a permanent policy.
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Here are your options:
In either case all you need to do to convert your policy is to get an agent to give you a conversion form, which you complete and you get your policy in a couple of weeks.
Life insurance hub is a service dedicated to assisting you in understanding life insurance quotes and how to apply them to your personal life insurance needs.
Death proceeds from 10 year life insurance can be in lump sum form or incomr form
The 5 year term life insurance policy has been around in insurance circles for a very long time. It can be sold as a policy or as a rider to a permanent life insurance policy.
The 20 year term insurance policy is one of the most sought after life insurance policies.
Take a look at 20 pay life insurance. Most people know that you buy whole life insurance if you want to be covered for the rest of your life even if you live to age 100.