Convertible Annually Renewable Term Life Insurance is ideal for:
- People who cannot afford 100% permanent whole life insurance coverage today
- Those who will see an economic picture that is likely to improve over time
- Someone who wants to upgrade to permanent life insurance coverage over time
- A person who is looking for a value in term and permanent life insurance
This type of life insurance policy can be one of the most dependable and cost-effective ways for you to close the gap between the amount of lifelong life insurance you need and the amount you can currently afford.
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With convertible annually renewable term insurance, your policy is automatically renewable each year up to a specific age limit, often 65, but sometimes older. Since the chances of your dying increase statistically the older you get, your convertible annually renewable term insurance premiums go up each year as you renew. However, if you buy your policy when you are young and unlikely to die, you can obtain substantial coverage for an inexpensive premium. Remember you can convert it into another life insurance policy later.