When your clients' financial needs change, our term insurance products can change with them, thanks to the many advantages our products offer:
| Advantage | What it is |
|---|
|
Conversion option* | Term products can be converted into permanent products generally until the age of 70, without providing proof of insurability. |
|
Association option* | Individual term coverage can be swapped for joint permanent coverage so that a new insured person can be added, generally up to age 70. |
|
Insurability option* | Insured persons can separate their joint coverage into individual permanent coverage (up to age 65 for the oldest insured person). Additionally, upon the first death, the surviving person can get individual coverage. |
|
Exchange option | Term products can be exchanged in the first 5 years for similar coverage with a longer term. |
*The policyowner can choose the right coverage for their needs from
our permanent product lineup, which includes 14 different coverage types.
Some advantages are not offered across the full product lineup or are offered with certain conditions.
In addition, by signing up a client for insurance with us, you're giving them access to free
assistance services that are available 24/7. These services can be very useful in good times and bad.
