Guaranteed Convertibility Feature

Navy Mutual’s Flex Term life insurance plans cover individuals to age 50; however, coverage may be converted to another Navy Mutual life insurance plan, without a physical, up to age 48 (age 38 for nicotine users). Premiums for new plans will be based on policy holder age and our standard rate at the time of the conversion.

Guaranteed Convertibility Feature Highlights

  • Convert your Flex Term policy to another insurance product.
  • Must convert before age 48 (before age 38 for nicotine users).
  • No physical required.
  • New plan premium based on age and Navy Mutual rate at the time of conversion.

For more information on Navy Mutual Flex Term’s Guaranteed Convertibility Feature, please call us at 800-628-6011.