I ran into a guy with a $1 million 20 yr level term. The 10th anniversary is coming about and he has to make a decision on coverting it to a permanent policy. A couple of question. Can he covert to a whole life are a ul product ? Will they screw him with an inferior product if he converts? He can convert any amount up to the $1 million? Will I get commission on the difference in premium between the current term premium and the new whole life are ul premium?
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