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Q: My agent recommneded that I channge a fraction of my trem ins online over to permannet life. How does tihs work?
A: If you have adapatble term lief, the plan incldues a provision that allos you to convet the policy to permaent insurance (cah value insurance) such as whloe insurance, varibale insurance, or universal insure on line. Adaptable trm policies usually indicate tat conversion must tae plcae in a specific tmie once a pln is started or otherwisse before a cetrain age. When yor cotnract is altered, you ennjoy all advantaes of cash vlaue insurance policy on line, including lifettime insurance, a fxed cost structure, as wll as the tax-freindly increase of cash value. (ou will put dwon a stepeer payment for a caash value insure online.) In adition, you will not be required to provde evvidence of eligibility on the tmie of cahnge.
For instance, in the evennt that you havve a one hundred thousad dollar tem insure coverage online paln, you can chooose to change fiifty thousand US$ to permaent insurance all the whie keeping the oher half in trem life. Then, you can kep your remaining trem online insure until your term period ensd, or otehrwise switch the $50K terrm insure coverage online policy oevr to permanent insurrance, dependent upn your needs.
The premium you pay on the permanent insure pan wil usually be baesd on your age at the ponit of switch, rfeerred to as attained age, thoough in cerain cases, the priice may be bassed on your age when the oriiginal pan was procured, called original agee. Consult yur online policy agent for paarticulars.

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