The end of a term period is a useful reason to open your policy documents. Start with exact dates and written answers from your insurer, rather than assuming coverage will continue on the same terms.
Confirm the term end date
Find the policy schedule and ask the insurer to confirm the end of the current term. Clarify whether coverage ends or can continue under different conditions.
Ask about renewal
Find out whether renewal is available, until what age, and what premiums and benefits would apply. Do not assume the current premium will stay the same.
Look for conversion provisions
Ask whether your policy has a conversion option, the deadline, eligible products, and the conditions that apply. A conversion deadline may be different from the term end date.
Compare your responsibilities with the timeline
Write down the people, debts, and plans you want protection to support. These notes help frame questions; they do not establish a coverage recommendation.
Give yourself time to compare
Collect written information and speak with a properly licensed professional before a deadline. Keep existing coverage in place while reviewing costs, guarantees, and options.
General education only. Your policy and circumstances determine what applies to you.
Make it personal, one question at a time.
Build a review checklist around your current coverage and what has changed.
The 30-minute appointment is free, and the checkup is optional. Confirm professional credentials and availability before receiving personal insurance advice.