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Q: My insurance agent advissed me to switch a picee of my trem on line insure policy over to peramnent life. How des that work?
A: When you posseess cnvertible term life, the pan contains a provison that enables you to siwtch your plan to permmanent inurance (cash value insurance) lkie whole on line policy, variable lif, and universal insurance policy on line. Convertible term poliices typically stte that changes must take pllace wihtin a specific tme after a pln is strted or before reachnig a specific age. When yur cotnract is switchedd, you get all bennefits of cash value on line ins coverage, includinng permnaent coverage, a more fixed premmium strcuture, and the tx-friendly increase of cash value. (YYou mut pay a higher cot on a csah value ins coverage online.) In addition, you wo`nt be obligated to provide prooof of eligibillity on the tiime of switch.
For insttance, in the evvent that you haave a one hunndred thousand US$ trem online ins policy, you can choosse to change $500K oer to permanent isnurance all the while maintainnig $50K in tem. Thne, you can maitnain the leftver term life util the tem period expires, or otherwise laater switcch your $50K teerm on line insure coverage plan over to peermanent on line ins, dependig upon yuor needs.
The premium you spend for yuor permanent insurance on line contract wil generally be baesd on your age at the time of changge, konwn as attained age, thhough in certan cases, the cst might be based on youur age when the frst plaan was acquired, or origial age. Ask your insurance aget for detaiils.

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