---
title: "What Is Convertible Term? Definition | Epic Life Glossary"
description: "Convertible term is term life insurance that lets the owner switch to a permanent policy without a new medical exam. The conversion must happen within a..."
url: https://epicline.preview.multisites.ai/glossary/convertible-term
publisher: Epic Life Group
apply: https://epicline.preview.multisites.ai/apply
quote: https://epicline.preview.multisites.ai/get-a-quote
---

Policy types and products

# Convertible Term

Convertible term is term life insurance that lets the owner switch to a permanent policy without a new medical exam. The conversion must happen within a set period and follows the carrier's rules.

## Why it matters

Conversion protects people whose health may change. If the insured develops a condition, the right to convert still allows coverage for life at standard rates for the age at conversion. The conversion window and eligible products vary by carrier, and conversion raises the premium because permanent coverage costs more. Buyers should check the conversion deadline before they buy, since it may end before the term does. Agents can compare carriers on this feature.

Source: [iii.org](https://www.iii.org/article/what-are-the-different-types-of-term-life-insurance-policies)

[Read next, for familiesTerm life insurance: how it works, what drives price, and when it ends](https://epicline.preview.multisites.ai/life-insurance/term-life)

## Where we use this term

-   [Can you still get life insurance over 70? Options that still work](https://epicline.preview.multisites.ai/guides/life-insurance-over-70)
-   [Mortgage protection vs term life vs PMI: who does each one protect?](https://epicline.preview.multisites.ai/guides/mortgage-protection-vs-term-life-vs-pmi)
-   [Mortgage protection insurance: what it is, what it is not, and what to compare](https://epicline.preview.multisites.ai/life-insurance/mortgage-protection)
-   [Life insurance for seniors: what you can get at 50, 60, 70, and 80](https://epicline.preview.multisites.ai/life-insurance/seniors)

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