Do not buy investment insurance from this company especially if it is a huge policy. Since the economic blowout has hit and if you cannot pay the huge premiums, then you lose all you have paid in, which can be thousands and thousands of dollars, in my case over $34000, but a few lousey dollars. They have no sympathy or consideration for the economic situation whatsoever. All they care about is the money they got out of you and keeping it. My agent never delivered my policy even after a year, I didn't even have an opportunity to review what I had, although I had asked for it several times. This company and the people they hire are no good. Your options for converting to something else are slim to none that you could afford and if you don't die you are just SOL on ever coming out on one of these GREAT INVESTMENT POLICIES and if you do die someone else gets rich anyhow, not you, you paid big chunks for some ungrateful kid to get rich.