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Convertible Term Insurance Convertible term insurance is a form of term life insurance, which means that at some point, the policy runs out. Term policies usually run for twenty to thirty year terms. With convertible term insurance, the insured can convert their policy to a permanent life insurance policy at any point in during the term. The benefit is they do not have to prove their insurability with convertible term insurance. Convertible term insurance is the perfect option for those looking to receive life insurance while on a limited budget. Term insurance tends to be less expensive than permanent life insurance. With convertible term insurance you can convert your policy to permanent status when you are nearing the end of the term. This is a great way to extend your policy even if you run into health problems later in life. The premiums for the permanent life insurance policy will run higher than the convertible term insurance premiums. More Glossary Terms Explained here |
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