Convertible Term Assurance

You can choose to have the right to switch all or part of your life cover into another policy that is available at the time, regardless of your state of health.

This option would allow you to take out a future policy without the requirement for any medical evidence.  You pay a slightly higher premium should you wish to include the conversion in your policy.

You can exercise the option at any time during the policy’s term so long as you meet the conditions that apply.  The premium rates current at the time of conversion, appropriate to your age at the time will apply.