Yes, if your coverage ends on or before age 75. Apply in writing and pay the first premium within 31 days of the date it ended, and you won’t need evidence of insurability. Up to 65, you can convert to whole life or to term insurance to age 65; from 66 to 75, to whole life only, up to $200,000.
Can I convert my Term to Age 85 coverage to an individual policy?
Reviewed by Garrett Agencies Ltd., October 2026. How we write
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