目前有三个terms:
- 500K, Brighthouse (former MetLife), till age 67, $750/yr, conversion period end by the end of policy, accelerated benefits rider
- 500K, Amica, till age 75, $850/yr. conversion period end in my age 55. Terminal Illness Rider ( same as accelerated benefit rider I think)
- 1.5 times salary term insurance through employer, $500/ yr, can convert at the end of employment
家有小学娃一枚. 3感觉很亏,准备cancel. 1/2只想保留一个,本来想着2可以保到75岁那就cancel 1, 但后来有注意到1可以有更长的conversion period 而且貌似保险公司更好。这个conversion privilege 重要吗?一般人会用得到吗?是不是说像得了绝症就会考虑convert 所以conversion period长一些好?到底是保留哪个term 呢?谢谢。