Term Conversion Change

Beginning in 2020, all life policy conversion applications will be issued a Remembrance Life policy. Remembrance Life is a whole life product.


  • Accidental Death Benefit, Critical Illness, and Terminal Illness riders will not be included.
  • Waiver of Premiums for Disability rider will be offered for eligible legacy products that were issued with a convertible disability waiver rider.

All non-tobacco and tobacco underwriting classes will be converted to the Remembrance Life preferred (non-tobacco) and standard (tobacco) underwriting classes, respectively. All substandard policies (non-tobacco and tobacco) will convert to the Remembrance Life standard (tobacco) underwriting class.


For Producer Use Only. Not for distribution to the public.

Insurance Products: NOT FDIC or NCUAA Insured | NO Bank or Credit Union Guarantee.

Nassau Remembrance Life (ICC18FEWL and 18FEWL) is issued by Nassau Life and Annuity Company (Hartford, CT). In California, Nassau Life and Annuity Company does business as “Nassau Life and Annuity Insurance Company.” Nassau Life and Annuity Company is not authorized to conduct business in MA, ME, MN and NY, but that is subject to change. Nassau Remembrance Life (ICC19FEWL and 19FEWL) is also issued by Nassau Life Insurance Company (East Greenbush, NY). In some states, Phoenix Remembrance Life (ICC12FEWL and 12FEWL) is issued by PHL Variable Insurance Company (Hartford, CT). PHL Variable Insurance Company is not authorized to conduct business in Maine and New York. Nassau Life and Annuity Company, Nassau Life Insurance Company and PHL Variable Insurance Company are subsidiaries of Nassau Financial Group. 

Nassau Re is a registered trademark by Nassau Reinsurance LLC. BPD40036

©Nassau Re 2020

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Anthony LaRosaTerm Conversion Change

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