Free Tool Last reviewed: 2026-10-03 Part of Tools

Term Conversion Deadline Checker

Written and reviewed by Hans Goldstein, licensed insurance producer, NPN 20602398 · CA Insurance License #4273294
Last reviewed October 3, 2026 · Published October 3, 2026

How it works: most term policies let you convert to permanent coverage, without a new exam, until the earlier of the end of the level period or a set age (70 is the most common). Some end it a few years before the level period ends. Enter the numbers from your policy and the checker shows the date your window closes. Until that date, your health class is locked in.

Find your deadline

Term conversion deadline checker

Enter the details from your policy's conversion provision. Most contracts end conversion at the earlier of the end of the level period or a set age (70 is the most common). Some end it earlier.

Policy issue date (from your policy schedule page)

Your age when the policy was issued

Level term length

Conversion age limit in your contract

Conversion ends this many years before the level period ends (0 if none)

Where to find the numbers

Issue date: on the policy schedule page (sometimes called the data page), near the policy number.
Age at issue: also on the schedule page. Some carriers use age nearest birthday, some age last birthday.
Conversion rules: in the section titled Conversion Privilege or Exchange Privilege. It states the age limit and any limit tied to the level period, and which products you can convert to.

If you cannot find your contract, call the carrier's customer service line with your policy number and ask for the conversion expiry date in writing.

Term owners

Get a reminder before your window closes.

Send your email and I'll send what to ask your carrier, plus a reminder 90 and 30 days before your deadline.

We’ll email it to you. Hans Goldstein · NPN 20602398.

Rather talk it through? Or book 15 minutes on Hans’s calendar.

Common rules the checker uses

Translating your contract into the checker

Rule in the contract	What to enter
Earlier of the level period or age 70	Age limit 70, years before level end 0
Earlier of the level period or age 65	Age limit 65, years before level end 0
Level period minus 2 years, or age 70	Age limit 70, years before level end 2
First 5 years only (some short-window products)	Read the date from your contract; the checker does not model short fixed windows

Examples from a public April 2024 summary of carrier conversion privileges (Tritium). Your contract controls.

Carrier-by-carrier deadlines, with sources, are on the term conversion guide.

Why the date matters more than the price

After the deadline, the only way to permanent coverage is a new application, with new underwriting at your current health and age. For someone whose health has changed, the conversion right can be the difference between coverage and a decline. And after the level period, renewal premiums can jump sharply; see what happens when term life ends.

Before your deadline

Ninety days out: ask the carrier for the list of eligible permanent products and a conversion illustration.
Sixty days out: decide how much to convert. Part of the face is often enough.
Thirty days out: sign the conversion application. Do not wait for the last week.

Want the carrier's exact answer?

Send your carrier and policy details. Within one business day Hans confirms your deadline, the products you can convert to and what a partial conversion would cost.

Rather talk it through? Or book 15 minutes on Hans’s calendar, or call 213-414-2808.

Hans Goldstein · 213-414-2808 · NPN 20602398, independent licensed insurance producer

Frequently asked questions

How do I find my term conversion deadline?

Read the conversion privilege section of your policy. Most deadlines are the earlier of the end of the level period or a set age such as 70. The carrier can confirm the exact date in writing.

Is this checker exact?

No. It estimates the date from the rules you enter. Your policy's conversion provision controls, and some carriers measure age differently or allow conversion until the next policy anniversary.

What happens after the conversion deadline?

You lose the right to move to permanent coverage without new underwriting. Any new policy requires a new application at your current age and health.

Does converting keep my health class?

The industry norm is that conversion keeps your original underwriting class with no new medical evidence. Confirm it in your contract.

Sources

Hans Goldstein, CA Insurance License #4273294 · NPN 20602398 · Goldstein & Co. LLC dba Goldstein Insurance Services, CA License #6016830

Contact: hans@hansgoldstein.com · 213-414-2808

General education, not tax or legal advice. Tax treatment depends on your facts and on current law, which can change. Talk to your CPA or estate attorney. Guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company. Guarantees apply only to the contractual terms of the policy. Caps, participation rates, loan rates, charges and dividends are not guaranteed and can change. Hans is paid a commission by the insurer if you buy a policy through him. For life insurance, ask and he will tell you what he earns on your specific policy. Product and company names are trademarks of their owners. Goldstein Insurance Services is an independent agency, not affiliated with or endorsed by any insurer named here. Life insurance requires underwriting; not everyone qualifies. This page describes products in general terms; read the policy and the insurer's disclosures before you buy.