- Thousands of clients age 60–85+ own term life policies nearing expiration
- Conversion rights exist but are often too costly
- Once the term ends, the asset is gone forever

Term Life Insurance purchased 5, 10, 15 even 20 years earlier becomes a highly valuable asset yet many policyholders are not aware that most policies offer a conversion option an especially advantageous feature for those age 60+ who may face health concerns.
The challenge is conversions are often prohibitively expensive. As a result, policyholders who have faithfully paid premiums for decades may find themselves losing coverage at the very moment it could provide the greatest value—especially when health issues can make obtaining new coverage nearly impossible.
The "patented" Split Dollar Conversion Program is designed to solve this problem making conversions available at a fraction of the standard contractual cost.




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