screener
Term Conversion Decision Tool
A structured way through the term conversion question. It organises what matters; the decision stays with you and a licensed advisor.
Answer the questions above to assemble the considerations relevant to your situation. The tool organises the discussion; it does not choose an option.
Methodology
Your answers map to the considerations a licensed advisor would examine — remaining need, health change, conversion window, budget and objective. The tool surfaces considerations and questions; it does not score options or select one for you.
Limitations
- No option is recommended, ranked or scored.
- Conversion rights and deadlines come from your contract, not from this tool.
- Pricing, underwriting outcomes and product availability are not modelled.
Review and updates
- Reviewed by
- Advisor Name Pending
- Last updated
- 2026-01-01
- Standards
- Our review process
We read the contract language and confirm what your conversion rider allows.
Review My Conversion Options