Can Whole Life Insurance Be Converted To Term? 
Typically , it only goes the other way when you can convert term to permanent or whole life . There are options mentioned above . The easiest way is to convert the cash value to paid up life insurance which will act like a paid up term life at a smaller face amount . However , reading between the lines it sounds as if you need to increase your face amount . If you have lost your insurability and needing more coverage , check with your agent that sold you the whole life plan . Some plans do have previsions to purchase more insurance during a certain period of time without proof of insurability . If you still have your health you may be better off to purchase a separate term life plan and leave your whole life policy the way it is for now . 