#term-to-perm

Most policyholders only consider two choices near the end of a term: 1️⃣ Let it run out 2️⃣ Shop for new coverage

But there’s a third—and often overlooked—option: a term-to-perm conversion, which lets you secure lifetime protection at your current health rating.

A smart conversion strategy means understanding: 🔍 Your conversion window 🔍 Which permanent products your policy allows 🔍 Whether NLG or cash-value design works best 🔍 How riders impact flexibility 🔍 Whether premiums fit long-term goals

And if conversion isn’t affordable? You may still preserve protection with partial conversions, reduced benefit strategies, or replacement term.

At Stratus Financial, we analyze every angle—objectively and independently—to help you avoid costly mistakes and secure the right plan for your future.