If the participant is under the age of 65, conversion options may be available for the following benefits:

• Term Life

• Critical Illness 

The participant must submit a written application for conversion to the Insurer directly and pay the premiums within 31 days of the termination of his/her insurance under this policy. The individual policy issued will conform to the conditions, terms and amounts of individual insurance plans regularly used by the Insurer at the date of conversion. Please see the master contract for full terms and conditions regarding conversion privileges. You can contact the Insurer directly using the phone number in the pamphlet below.