# What is the conversion option?

_A conversion option lets the person take out new life cover later without new medical questions._

A conversion option (sometimes called a convertible term) lets the person swap their cover for a new policy later, up to an age the insurer sets, without answering health questions again.

It is useful if health changes during the term, because the new policy is based on the person's health when they first took out cover.

Cover with the conversion option costs more than the same cover without it. Not every insurer offers it on every product, and the latest age to use it differs between insurers.

Get prices: https://www.mylife.ie/quote/form