Cash options for term life before it expires

If you no longer need all of your term coverage — or don’t plan to convert — you may be able to explore a sale while the policy is still in force and convertible.

Start a conversation How it works
Policyholder

Who this may fit

  • You are roughly age 55–75 (some under 55 may qualify if health has changed since the policy started)
  • You own a term life policy that can still be converted
  • Your health has changed since the policy was issued
  • You may no longer need the coverage
  • You are open to seeing what a sale could look like

What we do not do

  • We do not pressure you to sell
  • We do not promise every policy will qualify
  • We do not replace advice from your own agent, attorney, or tax advisor

A sale is one option among several (keep paying, convert, replace, or let the term run). The right choice depends on your situation.

Simple process

1

Share basics

Age, carrier, face amount, and whether the policy is still convertible.

2

Gather details

Policy info and medical history as needed to see if a purchase is possible.

3

Review options

If it qualifies, you’ll see clear numbers and disclosures before anything is signed.

See if you may qualify

Answer a few quick questions — no obligation. Phone: 619-920-3258

You may be able to get cash for your life insurance policy before it expires. Answer a few quick questions — no obligation.

Your information is kept confidential and will only be used to evaluate possible options regarding your life insurance policy. Submitting this form does not obligate you to sell or make any changes to your policy.