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Greenhorn,
My primary life company (Ohio National) certainly allows this, and I suspect most do.
but can you keep the remaining term?
$500K term policy -> convert $100K
Can you have a $400K term and a $100K perm?
I think the answer is yes, it is with various other companies that I checked with a few years ago.
Dan
I was lookong over a state farm policy yesterday. This guy is uninsurable now and his term is up next month. IT's a 100k policy. He is 66. In the policy it says that he has to be 75 and the policy has to be inforce to convert. Is this normal?