How Do You Convert Term Life Insurance To Whole Life Insurance? 
Such a conversion may be possible so long as your term policy includes such a provision . Talk to your Insurance Professional about your contract and whatever options and benmefits may be included in it . In many cases , you may find that you can convert all or a portion of your term coverage into whole life or other form of permanent life insurance . In many cases , this conversion benefit also states that you can do so without having to provide any proof of `` insurability '' , in other words , without any physical exam or reports by your Doctor being needed . Understand that if available , the conversion would take place at your current age and the rates applied accordingly so the younger you are when you decide to take advantage of this option , the better off financially you will be . 