---
title: Can I turn my term policy into a permanent one
url: https://coverfolk.com/answers/convert-term-to-whole
updated: 2026-10-08
---

# Can I turn my term policy into a permanent one?

Updated October 8, 20263 sourcesCoverfolk team[Fact checked](/editorial-standards)

The short answer

Often yes, if your term policy is convertible. You can usually switch to permanent coverage without a new medical exam, as long as you do it before the deadline.

Many term policies have a conversion option. Check your policy or call your insurer to see if yours does.

You usually do not need a new exam. Health problems you got after you bought the policy will not raise your price.

Your new price is based on your age when you convert. It will be higher than your term price.

Deadlines vary. Some companies allow it until age 70. Others only in the first five years.

Some insurers let you convert part of your coverage and keep the rest as term.

* No new medical exam in most cases
* Price based on your age at conversion
* Deadlines vary by company
* Partial conversion may be allowed

## More questions

### Why would I convert?

If your health has gotten worse, converting lets you keep coverage you might not qualify for now.

### Is there a fee?

Some insurers charge a conversion fee.

### Can I convert life insurance from work?

Often yes when you leave, but it can cost a lot more.

## Sources

1. [What Is Convertible Term Life Insurance? (NerdWallet)](https://www.nerdwallet.com/insurance/life/learn/convertible-term-life-insurance)
2. [Life Insurance Buyer's Guide (NAIC)](https://content.naic.org/sites/default/files/inline-files/cipr_topic_universal_life_insureu_life_ins_buyers_guide.pdf)
3. [What are the different types of term life insurance policies? (Triple-I)](https://www.iii.org/article/what-are-the-different-types-of-term-life-insurance-policies)