Can Whole Life Insurance Be Converted To Term? 
Yes , it can . As mentioned above , its called reduced paid up term . You get a lower death benefit for as long as the cash inside the policy lasts . However , I am not sure this will solve your problem . People often ask this question because they have whole life buyers remorese . They bought the policy because of the allure of the cash value , but then realized it wasnt worth it . They were paying too much money for not enough coverage , and the cash they would be accumulating wouldnt make that much difference in their overall wealth picture . If this is the case , then reducing the whole life to paid-up term may not give you the coverage you need for as long as you need it . You might want to consider purchasing a stand-alone term policy with the face amount and guarantee period that will get the job done . If you are concerned about qualifying for a good rate due to a medical or lifestyle issue , then make sure you are dealing with a broker who can place that type of case . You still may be able to get a very reasonable price . 