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Term life conversion - upgrade your coverage

Before your term life insurance coverage ends, convert to permanent life insurance - without a medical exam - to ensure your coverage meets your needs now, and your loved ones’ needs in the future.
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Next Steps

  1. We will review your request and get back to you within 24–48 hours.
  2. We will match you with a financial advisor that meets your needs.
  3. There is no obligation to buy at any time.

Life changes. Maybe your life insurance should, too.

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Your health
As you age, the cost of insurance increases. A conversion could be your best option for lifelong coverage. You won’t have to retake a medical exam and you’ll be priced in the same risk class as your term policy, even if your health has worsened.
Your family
Has your family grown? Have their needs changed? Do you have a plan to transfer your wealth to your loved ones? A permanent life insurance policy can be useful for protecting your family now, and long after you’ve passed away.
Your income
Did you purchase your term life insurance because permanent life insurance was too expensive at the time? If your income has increased, you may be in a better position to upgrade to the coverage you originally wanted.
Your financial goals
Maybe you've changed jobs or have plans to retire soon. As time passes, your financial goals can evolve and shift. A permanent life insurance policy can build cash value you could access for college funding, retirement income or other expenses that might arise.
Your business
If you own a business, you can use permanent life insurance to protect your business assets and key employees, and ensure business continuation if unexpected situations arise.

Permanent life insurance has its advantages

When you convert to permanent life insurance, you’ll extend your coverage and gain a flexible financial asset - all without having to take a medical exam
Extended death benefit
Term life insurance lasts only for a specified time period. Permanent life insurance lasts your whole life, so your loved ones will be protected now, and into the future.
Cash value
Permanent life insurance can build cash value that you could access for a down payment on a home, college costs, retirement income or emergency expenses.
No medical exam
In most cases, you won’t have to take a new medical exam and your new policy will be priced in the same risk class as your term contract, even if your health has worsened.
Extended death benefit
Term life insurance lasts only for a specified time period. Permanent life insurance lasts your whole life, so your loved ones will be protected now, and into the future.
Cash value
Permanent life insurance can build cash value that you could access for a down payment on a home, college costs, retirement income or emergency expenses.
No medical exam
In most cases, you won’t have to take a new medical exam and your new policy will be priced in the same risk class as your term contract, even if your health has worsened.
Get started
Your life insurance should fit your life. We can help.
As your life changes, your insurance needs and investment goals will change with you. Working with a Thrivent financial advisor can help you gain clarity about your financial strategy and how it can protect the people and things you love. Find the coverage that’s right for you—let’s talk.
Connect with us
I’m interested in learning more about
*Please select an advice option.
Who will we contact?

To learn more about the privacy of your information, visit our privacy policy.

What is your contact information?
Form Submission Failure

Unfortunately the form submissions has failed. Please go back and try submitting the form again or come back later and try again.

Illustration of a person trimming a tree shaped like a padlock
We’re excited to connect with you!

We'll be in touch soon.

Next Steps

  1. We will review your request and get back to you within 24–48 hours.
  2. We will match you with a financial advisor that meets your needs.
  3. There is no obligation to buy at any time.
Will and estate planning guide
Do you have a will and estate plan?
If you own assets and personal property, you have an estate worth leaving to the people and causes you care about. This workbook-style guide contains answers to commonly asked questions, a glossary of terms, and worksheets to help you get started creating your will and estate plan, and begin the conversation with your Financial Advisor.
Guarantees based on the financial strength and claims paying ability of Thrivent.

Loans and surrenders will decrease the death proceeds and the value available to pay insurance costs which may cause the contract to terminate without value.  Surrenders may generate an income tax liability and charges may apply.  A significant taxable event can occur if a contract terminates with outstanding debt.  Contact your tax advisor for further details.  Loaned values may accumulate at a lower rate than unloaned values.

Under current tax law [IRC Sec. 101(a)(1)], death proceeds are generally excludable from the beneficiary's gross income. However, death proceeds may be subject to state and federal estate and/or inheritance tax.

This contract has exclusions, limitations, and terms under which the benefits may be reduced, or the contract may be discontinued. For costs and complete details of coverage, contact your licensed insurance agent/producer.

If requested, a licensed insurance agent/producer may contact you and financial solutions, including insurance may be solicited.

Contract Forms: ICC09 L-LX-LT, L-LX-LT (09), L3-KX-LT-1 (00), L3-KL-LRCT-1 (97), L2-TY-TYT-1, 4222, 4223, 4224, 4225, 4216, 4217, 4198, 4199 and 4185 series.
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