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.
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