hello my name is vic schumacher and the companyis hpe financial services and the question today is term insurances and how do you knowif you have good term insurance or bad term insurance? if the policies are sitting thereand they are for a term of 25 years. is it a good term or a bad term? is it a good companyor a bad company? the answer to that question is what can you do with the policy? lets sayyou are 25 years old and you have a 25 year term policy. is it a good policy? maybe duringthat age of that policy after ten years you want to convert that policy and have it startto build wealth. do you have that ability with this term policy? is it a good term policyor a bad term policy? are you captured in to only being able to use that policy andnot convert it? if you want to convert it
will you have to undergo underwriting again?these are the questions and the difference between good term and bad term. i suggestthe person who represents a variety of companies to discuss this with them. my name is vicschumacher and the company is hpe financial services, helping people every day.