TERM CONVERSION REVIEW

Don't Let Your Term Life Conversion Expire.

Your right to convert your term life insurance may disappear forever.

We'll review your policy, explain your options, and help you determine whether converting makes sense—often without a new medical exam if your policy allows.

Complimentary policy review
Independent guidance
No obligation
Licensed life insurance specialists

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WHY THIS MATTERS

One of the Most Valuable Benefits in Your Policy Is Also the Easiest to Miss.

Most term life insurance policies include a conversion privilege that allows you to convert some or all of your coverage into permanent life insurance. Many people never realize they have this option—or assume they can use it whenever they want.

Unfortunately, that's rarely the case.

Most conversion privileges expire based on your policy's terms, your age, or both. Once that deadline passes, the opportunity is usually gone forever.

Why People Convert Their Term Life Insurance

People typically explore conversion because:

Their health has changed since buying the policy
They want lifetime protection
They want coverage that won't expire
They have children or grandchildren who will always depend on them
Estate planning has become more important
They want permanent insurance that may build cash value depending on the policy selected
They simply don't want to lose coverage they've had for years

GOOD NEWS

In Many Cases, You May Be Able To Convert Without:

A new medical exam*
New bloodwork*
Requalifying based on your current health*

*Subject to your policy's conversion provisions and carrier guidelines.

COMPARISON

Keep Your Term Policy or Convert to Permanent Coverage?

Understanding what changes—and what you preserve—when you convert your term policy can make the decision much clearer.

Keep Your Term Policy

Coverage eventually expires
Renewal premiums may increase substantially
No cash value
Conversion privilege eventually expires
Future health may make new insurance difficult or impossible

Convert to Permanent Coverage

Coverage designed to last for life (if premiums and policy requirements are met)
Premium structure depends on the permanent policy selected
Some permanent policies build cash value
Locks in permanent coverage before the conversion deadline
Conversion generally preserves eligibility without new underwriting if completed within the conversion period and policy rules

The Biggest Mistake We See

People wait.

They assume they'll "look into it later."

Then life happens.

A health diagnosis.
A birthday.
A missed deadline.
A policy anniversary.

Suddenly the conversion privilege has expired—and the opportunity to secure permanent coverage without new medical underwriting is gone.

The conversion option is often most valuable precisely when your health has changed. That's why waiting can be costly.

OUR PROCESS

We Make the Decision Clear

Every policy is different.

Different carriers.
Different deadlines.
Different conversion products.
Different rules.

We review your policy and answer questions like:

Is your policy convertible?
When does your conversion privilege expire?
Can you convert all or only part of the policy?
Which permanent policies are available?
Does converting actually make financial sense?

If converting isn't in your best interest, we'll tell you.

Our goal isn't simply to convert policies—it's to help you make the right decision.

WHO SHOULD REQUEST A REVIEW?

You should have your policy reviewed if:

You're over age 45
Your term policy is more than five years old
Your health has changed
Your term policy expires within the next 10 years
You simply don't know whether your policy can be converted

FAQ

Frequently Asked Questions

No. Many policies include a conversion privilege, but not all do. The available options and deadlines vary by carrier and policy.

Many conversions do not require a new medical exam if completed according to the policy's conversion provisions, though requirements vary by insurer.

Often, yes. Many insurers allow partial conversions, letting you keep some term coverage while converting a portion to permanent coverage.

Your options may be more limited, but it's still worth reviewing your policy. In some situations there may be alternatives depending on your circumstances.

FINAL CTA

Don't Lose a Valuable Right You May Never Get Back.

Your conversion privilege has an expiration date. We'll help you understand your options before that window closes.

Request Your Complimentary Term Conversion Review