I have been carrying two TERM life insurance policies for many years. Since I have retired, I can no longer afford to pay the premiums. One policy will terminate in 2013 and the other in 2024. I am 65, female, good health.

Offers will vary depending on the type of policy they can be converted to (you will actually sell the policies after conversion, not the term policies) and the face amounts of the policies. If they are over $100000, you should be able to get something for them, but with good health, it won't be over 15%.