Guaranteed Convertibility Feature

Navy Mutual’s Flex Term life insurance plans cover individuals to age 50; however, coverage may be converted to Navy Mutual's Flagship Whole Life policy, 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 Flagship Whole Life
  • Can convert any time up to age 48 (before age 38 for nicotine users)
  • No medical exam required to convert at standard rate
  • New plan premium based on age and Navy Mutual standard 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.