Pendwell Life
Your book is full of clients hitting deadlines worth real commission: term conversions, expiring rates, lapsing policies, surrendering annuities. We find every one, then run the outreach for you. Mail, email, and text, written and sent in your agency's name. Your producers just take the calls that come back.
A conversion window closes. A term premium spikes. An annuity comes out of surrender. A policy slips into its grace period. Every one is a commission you already earned and a client who needs to hear from you. Every one slips by, because nobody has time to go hunting for them, and nobody has time to write the letter once they do. We handle both halves.
How it works
Export it from your CRM or agency system as a spreadsheet. No integration, no IT project, no carrier setup.
Pendwell Life reads every policy, runs the deadline math, and ranks every opportunity by the dollars on the table.
We write it, design it, print it, and send it. Mail, email, and text, in your agency's name, timed to each client's deadline. You approve; we do the rest.
Clients come back already knowing why. Each producer gets the client, the reason, the deadline, and the commission, in their inbox and on their phone.
You never build a list, write an email, or mail a letter.
What we find today
Medicare eligibility opens a hard 7-month window and an entire new product conversation. The birthday is the trigger; miss it and the opening closes.
A client in their grace period is one missed payment away from gone. Catch it in time and you save the policy, plus every renewal that comes with it.
Every birthday nudges a client's rate up a notch. Reach anyone with pending coverage before the clock turns and lock the lower rate.
Check one client's rate age →Many term clients can convert to permanent coverage with no new medical exam, but only until a deadline. The single biggest commission most agents leave on the table.
Check one policy's deadline →When a level-term period ends, the premium can jump five to ten times overnight. Reach them first to re-write or convert, before they lapse or shop a competitor.
Once the surrender period ends, your client can reposition penalty-free. If you're not the one making that call, someone else is.
A client who's been tobacco-free for twelve months can re-qualify at dramatically lower rates: a clean re-write and a happier client.
Done for you
Designed, printed, and mailed to the address on file. The channel most agencies gave up on, and still the one an older client actually opens.
Written for the specific deadline, sent from your agency's domain, and sequenced so the client who ignores the first one still hears from you.
Short reminders as a deadline gets close, sent only to clients who have opted in, with every opt-out honored automatically.
For agency owners
Total dollars on the table, broken down by opportunity type and producer, with a live view of what's been worked and what's converted. Know exactly who's leaving money behind.
Policies whose original agent left are pure upside, with no producer politics. We surface them first, work them for you, and route whoever responds wherever you want, to a producer or a dedicated re-engagement desk.
Every letter, email, and text is tracked through to the commission it produced, so the value is a running number on your dashboard rather than something you take on trust.
For producers
By the time a client reaches you, they have had a letter, an email, or a text explaining exactly what is expiring and what it means. You are not opening the conversation. You are finishing it.
These aren't prospects. They're your clients, with a real reason to pick up, and a conversion, rewrite, or renewal waiting on the other end of the call.
The client who doesn't respond this week keeps hearing from you, because we keep the sequence running. Nobody on your team has to remember to send anything.
Term conversion window closes in 9 days. No new exam needed.
Annuity out of surrender, so they can reposition penalty-free.
Unlock the big ones
Your spreadsheet powers everything above. Carrier data unlocks the opportunities hiding deeper in your book.
Underfunded universal life policies quietly headed for lapse, rescued before it's too late.
Conversion deadlines tracked automatically across your entire book.
Annuity and retirement repositioning as clients approach retirement.
Every orphan policy across every carrier, surfaced and assigned.
We found the money in your export. There's more upstream.
Common questions
A term conversion window is the period during which a term life policy can be converted to permanent coverage without a new medical exam. It is set by the carrier and the contract, usually expiring at a fixed age or a number of years into the term, and once it closes the client has to re-qualify on health. It is the single largest commission opportunity sitting unworked in most life insurance books.
Every conversion deadline can be derived from data an agency already has: issue date, term length, the insured's age, and the carrier's conversion rule. The work is running that math across an entire book and re-running it as dates move. Pendwell Life does that from a spreadsheet export, ranks each opportunity by the commission it represents, and then runs the outreach.
An orphan policy is an in-force policy whose original writing agent has left the agency, so no producer actively services the client. The agency still holds the relationship and the renewals, but nobody is calling. Orphan books tend to be the easiest money in an agency because there are no producer-ownership politics attached to working them.
A spreadsheet export from your CRM or agency management system is enough to start. Policy type, issue date, term length, face amount, premium, date of birth, and status cover almost everything on this page. There is no integration, no carrier setup, and no IT project. Connecting carrier data later unlocks the deeper opportunities, but nothing on this page requires it.
You do not have to send client names to get a scan. The deadline arithmetic runs on dates, ages, policy types, terms, and amounts, so for a first scan you can replace the name column with row IDs. Book files never move through this website: we set up an encrypted transfer, store the file encrypted, limit access to the people running your scan, and delete it once the report is delivered unless you engage us. We will tell you where it is stored and who else touches it before you send anything, and we will sign a data processing agreement and an NDA. We do not hold SOC 2 today, which we would rather say than imply otherwise.
The scan is free. You send the export, we come back with what is in the book: who to call, why, when the deadline hits, and what it is worth. There is nothing to install and no obligation to continue afterward.
No. Producers receive the client, the reason, the deadline, and the commission in their inbox and on their phone. There is no new CRM, no portal to adopt, and no change to how they already work. Agency owners get a dashboard; producers get a call list.
Yours. Every letter, email, and text goes out in your agency's name, from your domain, with your branding and your agent of record. Pendwell writes, designs, prints, and sends it, and replies route to the right producer. Clients never see a third party.
Texts are sent only to clients who have opted in, and every opt-out is honored automatically. You approve the copy before anything goes out, and every touch is tracked, so there is a record of what was sent to whom and when.
Two of these calculations are free tools you can run right now: the term conversion deadline calculator and the age nearest birthday calculator. Something not answered here? Ask us directly and we’ll come back within 24 hours.
The scan is free and there's nothing to integrate. Tell us about your agency and we'll come back with who to call, why, and what it's worth.