Help your clients get more out of their term policy using the liberal conversion privileges that come with a Term Life Answers policy. Your clients will have the opportunity to convert into any permanent policy offered by United of Omaha at the time – no questions asked!

The convertibility windows are:

  • Anytime before age 75 on a 10-, 15-, or 20- year policy – even if the original term has expired*
  • During the first 20 years for a 30 year policy

*In NY, before age 66 or during first five years after policy issue, whichever is later.


Transition Rules have been established and are as follows:

  • Applications signed February 1, 2016 and later will get the new rates
  • Applications signed before February 1, 2016 will receive the old rates
  • Any pending application in-house with an application signed date prior to February 1, 2016 and the Agent/Broker wishes to have the new rates will to contact the underwriting department


Securities offered through The Leaders Group, Inc. Member FINRA/SIPC 26 W. Dry Creek Circle, Suite 800, Littleton, CO 80120, 303-797-9080.

GBS Insurance and Financial Services, Inc. is not affiliated with The Leaders Group, Inc. You may check the background of investment professionals on FINRA Broker Check

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