What Happens When Term Life Expires?

When your term life insurance policy expires, coverage ends. You no longer have a death benefit, and any premiums paid are not refunded (unless you have a return-of-premium rider).

Your Options

• Convert to Whole Life: Many term policies allow conversion without a medical exam.
• Renew the Term: Some policies offer renewal, though premiums will increase.
• Purchase a New Policy: Shop for a new term or permanent policy.

Don't let coverage lapse. Our agents can help you transition to the right coverage.

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