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Hey everybody,
Are there any good 30 year term products that can be converted to a quality perm option down the line?
The client needs to terminate before it does to win.
I agree with almost everything you said, until you said the above.
That's like saying your house has to burn down to win, or you have to wreck your car to win. Really?
The "winners", as you call them, are actually the losers. And that is what insurance is for.
Hey everybody,
Are there any good 30 year term products that can be converted to a quality perm option down the line?
Hey everybody,
Are there any good 30 year term products that can be converted to a quality perm option down the line?
Per North American Company said
"CONVERSION PRIVILEGE
Life changes, so you should be able to change your life insurance policy, too. With ADDvantage Term, you may convert your policy to one of North American’s currently available permanent life products offered for conversion
without a physical exam.
Should your needs change, you may generally convert your term insurance to permanent coverage throughout the level premium period (10, 15, 20, or 30 years) or through age 74 (69 for 30-year term), whichever is earlier.
However, the conversion period is never less than five years, regardless of issue age! For example, if a policy is issued to you at age 73, you can convert through age 78, giving you great flexibility if your needs change."