Conversion tool
Should you convert your term policy to permanent?
If your term policy has a conversion privilege, you can switch to permanent without a new medical — but it’s not always the right move. Answer four questions for a plain read.
Your read
Converting looks worth exploring
Your answers point toward conversion being a strong fit. Confirm the specifics with an advisor.
You’re still in the window You can convert without new medical underwriting — the core advantage.
Long or lifelong need Permanent earns its cost when the need genuinely doesn’t end.
Health has changed Converting skips new underwriting — valuable if you’d now be rated or declined on a fresh application.
Budget can absorb it The higher permanent premium is manageable for you.
This is an educational guide, not advice. Conversion terms vary by policy — an advisor can read yours and confirm what’s possible.