A family of four posing in front of their ranch style home

Your love for your family lasts forever,

but your term life policy won’t.

When you purchased a term life policy from WoodmenLife, you made a good decision to ensure your family’s financial future is protected. However, as your life changes, your life insurance needs can too. We’re here for you every step of the way.

Converting to permanent coverage
may be right for you if you...

Want peace of mind knowing your family will always be financially protected

Want the potential to build cash value that you can access when you need it most1


Want long-term coverage, regardless of age or health2

With your term life policy, you have the option to convert some or all of it to a permanent policy. When you convert, you won’t need to undergo another medical exam, as long as you complete it by your final conversion date. And if you want to keep some of your term life insurance, you can partially convert it without losing the remainder of your coverage.3

An expecting mother and father sitting beside a lake with their young daughter

Learn more about the difference between term life, whole life and universal life so you can make the right decision for your family’s financial future.

Fill out the form and your WoodmenLife Representative will contact you and help you determine what is best for your family’s financial future.

* Denotes a Required Field


All products may not be available in all states.

This is a solicitation of insurance and an agent may contact you. By submitting the above request, I consent to receive phone calls from a licensed insurance producer on behalf of Woodmen of the World Life Insurance Society (WoodmenLife) and its affiliates at the phone number(s) above regarding WoodmenLife products and services. I understand that I can contact a Sales Representative directly to make a purchase.


  1. Loans against the cash value of your certificate will accrue interest, reduce the death benefit and reduce available cash value. A loan, withdrawal or surrender may be a taxable event. For tax advice, consult with your professional tax advisor. Excessive loans or withdrawals may cause the policy to lapse.

    If you are under age 59½ at the time of any withdrawal a 10% IRS penalty tax may apply.

    The No Lapse Universal Life product generally does not build cash value, but offers lower premium rates and guarantees an individual’s life insurance coverage through a certain age.

  2. This does not apply to the indexed universal life product.

    These certificates have exceptions, limitations and restrictions. For cost and complete details in coverage, contact your WoodmenLife Representative. Forms: ICC10 8205 3-10, 8205 3-10 (XX), O-8205 3-10 (XX), ICC17 8678 1-17; 8678 1-17 (XX), ICC17 8679 1-17; 8679 1-17 (XX), ICC18 8730 4-18, 8730 4-18 (XX).

    All products may not be available in all states.

    This is a solicitation of insurance and an agent may contact you.

  3. For partial conversion a remaining minimum face amount may be required to maintain preferred rating status and/or term coverage.

LP1 R-9/2022

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Our Mission

Uniting hardworking Americans to secure their financial future while strengthening our communities and country.

This is a solicitation of insurance and an agent may contact you.

Securities are offered through Woodmen Financial Services, Inc. (WFS), 1700 Farnam Street, Omaha, NE 68102, member FINRA/SIPC, a wholly owned subsidiary of Woodmen of the World Life Insurance Society (collectively “WoodmenLife”). Securities other than the WoodmenLife Variable Annuity are issued by companies that are not affiliated with WoodmenLife. This material is intended for general use with the public. WFS is not providing investment advice for any individual or any individual situation, and you should not look to this material for any investment advice. WFS has financial interests that are served by the sale of these products or services.

WoodmenLife Extras are available to members. An individual becomes a member by joining our shared commitment to family, community and country, and by purchasing a product. These extras are not contractual, are subject to change and have specific eligibility requirements, such as length of membership, number of qualifying members in household and/or qualifying event.

Check out the background of Woodmen Financial Services, Inc. on FINRA’s BrokerCheck.

Business Continuity Plan | All products may not be available in all states. | Not all Representatives are licensed to sell all products.

A+ Financial Rating

Effective Feb. 1, 2024, WoodmenLife is rated A+ Superior by AM Best for our financial strength and operating performance. For the latest Best’s Credit Rating, access www.ambest.com

International Use

This Site is not intended for access outside of the United States, including those individuals who reside in the European Economic Area (“EEA”). WoodmenLife makes no representation that materials on the Site are appropriate or available for use in locations outside of the United States, and accessing them from territories where their contents are illegal is prohibited. Those who choose to access the Site from outside of the United States do so on their own initiative and are responsible for compliance with local laws.

Ratings & Awards

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This company was issued a secure rating by the A.M. Best A+ Superior Company

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WoodmenLife is a proud member of American Fraternal Alliance

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Omaha, Nebraska