Clients want options. Fortunately, the Critical Advantage portfolio gives your clients the option to convert from term to lifetime coverage.

After the third year and through the 10th policy year, your clients can change their term policy to a lifetime policy without underwriting. This option is standard on all term policies, and there is no charge for converting (there may be a rate increase based on age).

This gives your clients control of their policy in case their needs should ever change after purchase.

To learn more about the benefits included in the Critical Advantage portfolio, click here.

Critical Advantage: Term to Lifetime Conversion
 

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