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.