Conversion Privilege •A-Life Protect Term can be switched to another permanent plan (but not for critical illness plans) without any extra underwriting before the insured's 65th birthday while the plan is still in force. .The sum assured to be converted must be equal to the policy's sum assured and must not be less than RM 25,000. Acceptance is also contingent on the new policy's maximum entry age. Guaranteed Renewable • 5-YearTerm can be renewed at the expiry of the 5th policy year without further underwriting. • Yearly Renewable Term can be renewed at the expiry of every policy year without further underwriting. Below is the summary of these benefits