What is Convertible Term Insurance?

Most people buy term life insurance without realizing they might be locking themselves into a plan that expires when they need it most.

A convertible term policy changes that. It gives you the ability to convert your term coverage into a permanent policy without needing to go through medical underwriting again. That means even if your health changes, you can still secure lifelong protection.

Convertible term insurance isn’t talked about enough but it’s one of the smartest ways to protect your family and your future.
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ABOUT THE HIDDEN RESERVE

Chris Zerafa is the Founder of The Hidden Reserve, a financial services company dedicated to providing families and business owners with financial strategies that are rooted in guarantees, not guesswork.

Chris educates clients on how to leverage cash value insurance and guaranteed annuities to create a more secure, predictable financial future.

Enhance your financial portfolio with guaranteed growth, guaranteed income & tax-free use of money, giving you the peace of mind knowing your wealth is protected and growing.

Key Areas of Expertise:
​• High Cash Value Insurance (Infinite Banking)
​• Guaranteed Retirement Income through Annuities
​• Wealth Transfer with Life Insurance
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DISCLAIMER

Everything in this video is meant to educate, not to serve as specific financial guidance for your situation.
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