Smart Life Check

Term life ending soon?

Your term life is ending. Know your options before the deadline.

When a 10-, 20- or 30-year term policy reaches the end of its level-premium period, the price often jumps many times over, and the right to convert to permanent coverage without a medical exam usually has a deadline. A quick review shows you exactly where you stand.

Request my free review Check yours in 1 minute

Prefer to talk? Call (619) 679-9225

  • Free, no obligation
  • Nothing changes without your OK
  • Licensed California agency

What usually happens at the end of term

The price jumps
Most term policies switch to yearly renewable premiums, which can be many times the old premium and rise every year.
Conversion closes
Many policies let you convert to permanent coverage with no health questions, but only before a certain age or date written in your contract.
Coverage ends
If nothing is done, many people simply stop paying and the coverage ends, sometimes when they need it most.

Your options

Convert it
Turn some or all of it into permanent coverage without a medical exam, if you're still within the conversion window.
Replace it
A new policy may cost less than renewing, if you're in good health. Keep the old one until the new one is in force.
Keep it for now
Renewing for a year or two can bridge a gap while you decide.
Sell it
Some convertible term policies can be sold in a life settlement, depending on age and health.
Let it go
If you no longer need coverage, that can be the right answer. We'll confirm it with you.

Don't wait for the last statement. Conversion windows can close before the level premium ends. Your policy contract lists the exact date, and we can find it for you.

Who reviews your policy

Your review is done by licensed life insurance professionals at HSK Insurance Solutions, a California-licensed agency based in San Diego. We specialize in policies people already own: checking how they're really performing and explaining the options in plain English.

  • LicensedCA agency license #0I06343 · verify it with the state
  • Local4719 Viewridge Ave, San Diego
  • Plain EnglishWe explain; you decide
  • No pressureOften the answer is "keep it" and we'll say so

The 1-minute self-check

Five quick questions. You'll get a plain answer on whether a review makes sense, and why.

1. Do you own a universal life or whole life policy bought before 2010?
2. Does a term policy's level premium end within the next 5 years?
3. Has your premium gone up, or have you received a notice that your policy may lapse?
4. Have your needs changed since you bought it (kids grown, home paid off, business sold, retired)?
5. Has it been more than 3 years since anyone reviewed your policy with you?

Questions people ask

How do I know when my term ends?

Your policy's schedule page lists the level-premium period, and your annual statement or premium notice usually shows it too. If you can't find them, we can request the details from your insurance company with your signed permission.

Do I need a medical exam to convert?

Usually not. Conversion is typically guaranteed without new health questions if you convert within the window your contract allows. A brand-new policy, by contrast, requires underwriting.

What does the review cost?

Nothing. The review is free and there's no obligation. If you decide to make a change, we're paid by the insurance company, as licensed agents typically are.

Will you cancel or change my policy?

No. Nothing changes unless you decide it should, in writing. We never recommend letting a policy go until any new coverage is fully in force.

What do I need to get started?

Your most recent annual statement is ideal. If you can't find it, the insurance company name and policy number are enough. With your signed permission, we request the details for you.

Who will I be talking to?

A licensed life insurance agent with HSK Insurance Solutions, a California-licensed agency (license #0I06343) based in San Diego. Not a call center, and nobody will pressure you.

How do I know you're legitimate?

Good question to ask. You can look up our California agency license, #0I06343, on the Department of Insurance website. We're based at 4719 Viewridge Avenue in San Diego. We will never ask for your Social Security number, bank or card details online, and we never pressure anyone to decide on the first call.

Is my information kept private?

Yes. We use your information only to review your coverage and contact you about it. We don't sell your information. See our privacy policy.

Not ready to talk yet?

Get our free guide, 7 Questions to Ask About an Older Life Insurance Policy. Read it at your own pace, and share it with your spouse or advisor.

Get the free guide

Request your free review

Takes about a minute. A licensed agent will call within one business day, at the time you prefer.

Or call (619) 679-9225

Step 1 of 2: your contact info

Step 1 of 2 · Private and never sold. We never ask for your Social Security number or bank details online.