Convertible term · Ages 55–75

Options for term life policies before they expire

For policyholders exploring cash for coverage they no longer need — and for brokers with clients whose term is heading toward lapse.

I'm a policyholder I'm a broker

Focused on convertible term · Insured ages 55–75 · Sale path only

Who this is for

Two clear paths. No rewrite competition on the sale track.

Policyholders

You have term life coverage you may no longer need. The policy may still be convertible. We help you explore whether a sale is possible and what that could look like — before the term runs out.

See policyholder options

Brokers & agents

Clients who will not convert or buy new term often head to lapse — $0 for your book. We pay a flat referral fee when a qualifying policy is purchased and the deal closes. Non-compete: we do not rewrite that client’s coverage.

Broker referral program

What typically qualifies

Insured currently age 55–75 (some under 55 may qualify with a meaningful health change)
Term policy that is still convertible
A health status change since the policy was issued
Policy can qualify for purchase (health, face amount, and carrier matter)
Owner is open to a sale path (not only a rewrite)

Not every policy qualifies. A change in health since issue is often what makes a file workable. We only move forward on files that can be underwritten and purchased.

Next step

Tell us which path you’re on. We’ll respond with clear next steps — no pressure.