Pendwell Life
Every month, clients in your book hit deadlines worth real commission — term conversions, expiring rates, lapsing policies, surrendering annuities. We find them, tell each producer exactly who to call, and manage the whole process. You just make the calls.
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 the call — and every one slips by, because nobody had time to go hunting for it. That's the part we handle.
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.
Each producer gets a short list of who to call now — the client, the reason, the deadline, the commission, and what to say. Delivered to their inbox and phone, not another login.
The right client, at the right time, with a real reason to call.
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 — and 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.
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.
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.
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 and route them wherever you want — to a producer, or a dedicated re-engagement desk.
Every recovered opportunity is tracked end to end, so the value isn't a promise — it's a number on your dashboard.
For producers
Each morning the highest-value clients to reach surface first — with the reason, the deadline, the dollars, and a script ready to read. No research, no guessing where to start.
These aren't cold 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.
For every trigger, we set up the email sequence and the auto-texts — so the client who doesn't pick up today keeps hearing from you until they're ready. You make the call; we handle the rest.
Term conversion window closes in 9 days. No new exam needed.
Annuity out of surrender — 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.
Send us your book. We'll show you exactly who to call and what it's worth — in days, for free. You just make the calls.
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