Pendwell Life
Your clients are sitting on deadlines worth thousands in commission — term conversions, expiring rates, lapsing policies, surrendering annuities. Miss the date, miss the money. Pendwell Life finds every one of them and tells you exactly who to call today.
A client's conversion window closes. A term premium is about to spike. An annuity comes out of surrender. A policy slips into its grace period. Each one is a real commission and a real client need, and each one passes silently because it never landed on anyone's calendar.
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, prioritized list of who to contact now — the client, the reason, the deadline, the estimated commission, and the angle. 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.
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 and we'll show you what's hiding in it — for free. You'll have your first list of who to call, and what it's worth, in days.
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