You do not get charged an ETF for switching to a Belief plan. You do have to fulfill your original contract you had before switching. So if you had 6 months remaining on your contract, you still have to ride it out before being contract free on a Belief plan. Once you are out of contract on a Belief plan, you won't have any ETFs if you switch companies. Any further ?s you should call 611 on your cell to talk to customer service.

Think about it carefully though, we had a much better plan before switching over to the belief plan and you'll never be able to go back to your old plan.

Be Blessed