For over a decade, Burial Senior Insurance has helped seniors and families nationwide plan ahead with honest, affordable final expense coverage — no medical exams, no waiting periods, and no pressure. Our licensed agents guide you to the plan that fits your budget and your family’s needs.
Families Protected
Average Client Rating
Top-Rated Carriers
Average Approval Time
30+
years helping families plan ahead
Convertible term life insurance offers the affordability of a standard term policy combined with a built-in “conversion option.” This feature allows you to convert your term coverage into a permanent whole life policy at a later date, without undergoing any new medical exams or health underwriting.
It provides maximum flexibility for individuals who need budget-friendly financial protection right now but want the guaranteed right to secure permanent, lifelong coverage and cash-value growth as their income grows or health status changes.
Protect your immediate budget today while keeping the door open for permanent financial security in the future.
Convert to permanent insurance without proving good health or taking lab tests.
Pay low, affordable term rates while you build career stability or start a family.
Transitioning to permanent coverage lets you accumulate tax-deferred equity over time.
Future health diagnoses (like diabetes or high blood pressure) will never disqualify you.
Convert all or just a portion of your benefit limit based on your updated budget.
Keeps your death benefit completely free of federal income taxes.
Explore specialized conversion approaches designed to fit your long-term wealth goals.
Convert your entire term benefit limit (e.g., $500,000) into a permanent whole life insurance policy to maximize estate building.
Convert a portion of your term limit (e.g., $100,000) to permanent coverage while keeping the remaining portion as low-cost term protection.
Gradually convert your term insurance in scheduled increments over several years as your career income increases.
Smart financial planning for individuals who want affordability now and permanent security later.
People on a growth career path wanting low rates now and permanent options later.
Families needing large coverage limits today with future legacy planning options.
Business founders managing tight cash flow while funding future buy-sell agreements.
Anyone wanting to lock in their pristine health rating for future permanent policies.
Buyers covering a 20 or 30-year home loan who plan to keep final expense coverage permanently.
Individuals planning to use permanent insurance cash value for tax-advantaged retirement income.
Your health status can change unexpectedly, but your life insurance protection shouldn’t have to suffer. A convertible term life insurance policy provides an safety net that protects your insurability, allowing you to secure permanent whole life coverage in the future even if you develop chronic health conditions later.
Start with low, budget-friendly term premiums during your early years, and exercise your conversion option whenever you are ready to start building tax-deferred cash value for retirement or estate planning.
Distinct features engineered for risk protection, flexibility, and wealth building.
No medical physicals or blood tests required during conversion.
Retain your original medical health rating (e.g., Preferred Plus) upon converting.
Exercise your right to convert at any point during your policy's conversion period.
High coverage limits available for minimal initial monthly premiums.
Converted permanent policies generate accessible equity over time.
Beneficiaries receive the cash payout free of federal income taxes.
(800) 718-4568
Simple steps from locking in term rates to activating permanent lifetime security.
1
Select your term length (e.g., 20 Years) and starting coverage amount.
2
Enjoy predictable, fixed low monthly rates during your initial policy period.
3
Answer quick health and financial questions online or over the phone.
4
Your new whole life rate locks in for life without taking any medical exam.
Estimated initial monthly term rates before exercising your permanent conversion option.
|
AGE
|
FEMALE RATE
|
MALE RATE
|
|---|---|---|
|
25
|
$16/mo
|
$19/mo
|
|
30
|
$19/mo
|
$23/mo
|
|
40
|
$31/mo
|
$39/mo
|
|
50
|
$68/mo
|
$86/mo
|
|
60
|
$185/mo
|
$245/mo
|
Sample rates are for illustrative purposes for non-smokers in preferred health classes. Rates shown represent the initial term phase; converted permanent policy premiums will be calculated based on your age at the time of conversion.
We help you select term insurance policies with the most favorable conversion privileges and whole life products.
Partner with top-rated insurers offering robust, high-performing whole life conversion options.
Choose policies with extended conversion windows (up to age 65 or 70).
Objective guidance ensuring your future permanent policy has competitive cash-value growth.
Hassle-free transition management with zero medical paperwork required.
Start with a few basic details — takes less than a minute.
945+ Reviews
Or Call: (800)-718-4568
Answer a few quick questions and one of our licensed agents will help you compare real quotes from top-rated carriers — no obligation, no pressure.
✓ 100% Free Quote
✓ No Obligation
✓ Licensed Agents
You can access accumulated cash value through tax-free policy loans, partial withdrawals, or by using the cash value to pay your monthly premiums.
No! The primary benefit of a convertible policy is that you convert at your original health rating without taking physical checkups, blood tests, or submitting medical records.
Yes. Most insurance companies require you to exercise your conversion option before a specific milestone, such as within the first 10–15 years of the policy or before reaching age 65 to 70.
Yes. Permanent whole life insurance costs more than term insurance. When you convert, your new rate will be based on your age at the time of conversion, but your health rating remains as good as when you first bought the term policy.
Yes! Most carriers allow "partial conversions." For example, you can convert $100,000 of a $500,000 policy into permanent coverage and keep the remaining $400,000 as low-cost term protection.
Have Any Questions? Ask us anything — we’d love to answer!
Burial Senior Insurance provides information and services related to burial insurance for senior citizens, including policy options and end-of-life support services.
Copyright © Burial Senior Insurance 2026. All Right Reserved.
