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Ranked 5th of the nation's Top 100 Independent  Agencies by Insurance Journal in 2013.




Welcome to Watkins Insurance Agency, Inc.

Invaluable life Insurance Benefits.  Conversion Option
You recognized a need in your financial safety net and purchased term life insurance. Now time has passed, and your situation has changed. Perhaps your income increased, you purchased a home or you started a family.  These changes may provide an excellent opportunity to leverage a powerful benefit of your policy.
Conversion Option
The conversion provision available in many term life insurance policies allows you to convert your term policy, in whole or in part, to permanent life insurance (such as whole life or universal life). While your term coverage met your needs when it was issued, permanent insurance provides benefits that can last a lifetime.

  • Lifelong coverage
  • Potential access of policy cash values that build over time
  • Premiums that generally remain lower the earlier you convert
  • Living benefits that can be triggered by terminal illness

Conversion options that can be exercised at later ages and with fewer restrictions are ideal. Perhaps the greatest point to consider is the potential to convert without proof of medical insurability. Converting your policy might be your only option, ensuring continued life insurance coverage after your term contract ends.
While term life insurance provides excellent protection for replacement income or outstanding debt, permanent life insurance enhances your estate and covers final expenses, creating a plan to leave proceeds to your heirs, business partners or charities. The conversion provision in your term policy can help you reach those goals.
As your goals for your life insurance plan change, conversion options allow you flexibility to adapt your policy to achieve them. Contact your independent agent to review your policy and find out if converting your current term policy or purchasing a new policy with a conversion provision is the right option for your life insurance needs.