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It cost extra to get this benefit, and usually cannot exceed 0,000 to 0,000, and will not be more than the face amount of the policy.
Convertible (conversion): Convertible to a permanent policy.Because in 3 months you will turn 46, you are closer to age 46 (your nearest age) in the eyes of the insurance company.They will charge you the premium of your nearest age and not your current age.Almost never sold any more because level term insurance is so much less expensive.Delivery: The actual placing of a life insurance policy in the hands of an insured.
Note: Some insurance companies will not do this but most do.
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