Regarding the convertibility feature in term life insurance policies, select the two correct statements based on the passage:

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a

The conversion period is always equal to the maximum duration of the term policy.

b

The convertibility feature allows policyowners to exchange their term policy for a cash$-$value policy without evidence of insurability.

c

Original age conversion may require the policyowner to pay the difference between past and current premiums; plus interest.

d

Converting to a cash$-$value policy is always financially advantageous compared to buying a new policy

e

The convertibility feature allows policyowners to exchange their term policy for another term policy without evidence of insurability.

f

Conversion can only be done on an attained$-$age basis.