Options: If the insured is unable to pay premiums but still wishes to receive coverage, the insured has these options:
1. Converting the policy into an extended-term policy: The company will take the entire remaining expropriation value to calculate a one-time premium payment. The insured will receive coverage according to the original assured sum, but the insurance duration will be shortened.
2. Converting the policy into reduced paid-up insurance: The company will take the entire remaining expropriation value to calculate a one-time premium payment. The insured will receive coverage according to the original insurance duration, but the assured sum might be lower, depending on the existing policy expropriation value.