Converting Term Life to Permanent policies.

Your clients can turn their Term Life Express policies into a permanent IUL Express product without providing evidence of insurability and into a policy that can last them a lifetime.


While you’re doing policy reviews, remember that all Term Life Express policies issued on or after May 1, 2014, automatically include a conversion privilege. 

This privilege allows clients to convert their term policy to permanent coverage any time after the second policy year, without providing any evidence of insurability.




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