SImple Issue Term, is It Really a Good Deal?

Like most of you I have be spammed, called,
emailed, and snail mailed with offers from IMO's
telling me how great the new simple issue term
products are.

Yes, they are easy issue.
Yes, they save time.
Yes, they are not for all of your clients.

BUT,( notice how I used a big but here).
The thing that I am uncomfortable with is the conversion
privilege.

Maybe I'm only seeing a poor product are misunderstand
how it works.
With the length of the term being 20 years.
The conversion privilege only last through
the first 10.
Is that an issue?

I saw a 30 year product with the

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