Clients' financial situations are always changing. Converting a term policy to a permanent policy is one way to help a client's life insurance policy evolve and ensure the life insurance coverage will continue to meet long-term needs.

AXA's conversion privileges can make conversions very attractive. Your clients may be able to convert to permanent life insurance coverage without new underwriting. In addition, your clients may be eligible to receive conversion credits, that can help clients cover some or all of the first year premiums to their new permanent policy.* Don't let your clients miss the opportunity for permanent coverage or let them leave money on the table!

The materials included in this mailing offer you the tools you'll need in working with clients and processing the term conversion. These include marketing tools, approach letters as well as details on processing a conversion with AXA.

The attached spreadsheet of term cases and highlighted LTCSR eligible cases are only a guide. Some cases that are highlighted may still not be eligible due to their involvement in underwriting items such as the good health credit program or the preferred client program. To confirm eligibility, please contact your RVP or internal wholesaler.

Client Materials:

Term vs. Universal Life

Planning Perspective

Producer to Client Phone Script

Learn More:

Term Conversion Provisions Flyer

Term Conversion Quick Reference Guide

Term Conversion Instruction Guide with a form and requirements checklist

Bulletin: Term Conversion Guidelines