Changing term life to the long-lasting policy is much more hassle-free than purchasing a new policy, assuming you want the everlasting policy that's accessible for conversion out of your insurer. I like to recommend finding out whether or not the policy is renewable at the conclusion of the term. https://auto-locksmith-near-me77776.laowaiblog.com/26435540/how-much-you-need-to-expect-you-ll-pay-for-a-good-life-insurance