Convertibilty - Most are convertible to Whole Life policies regardless of health. Conversions are based on current "attained" age. NOT original age. Conversion may only be to a move expensive policy, such as Whole Life.

Term insurance - You can not convert "Term to Term" You can convert "Term to Whole Life" You can never convert to more coverage than you have.

" If you want more insurance, you will have to pass a physical exam and pay premiums upon your current "attaine...