Yes. You can convert this policy to any permanent life insurance plan the company offers, without needing a new medical exam.

No. The amount of the new permanent policy cannot be more than the original Sum Insured of your 10 Year Term policy.

To convert, you must:

• Submit a written request to the company during the conversion period.

• Surrender the original term policy.

• The new permanent policy will be issued based on your current age and the sum insured of the original policy.

• Premiums will be calculated using your age at the time of conversion.

There are few important rules: You must convert before the policy's termination date and at least two years before the policy ends.

• The insured person must be under 60 years old.

• You must submit a written request to the company and surrender your current policy.

No. The document clearly states this policy has "no cash value." It is designed purely for protection, not for savings or investment.

The premium will be based on your age at the time you convert the policy and the type of permanent plan you choose.

No. There is a "grace period" (the length is not specified in this document) after your premium due date. If you do not pay within that grace period, the policy will then terminate.