Would any of you happen to know where I could go for advice, both financial and technical, on converting a term life insurance policy to a permanent type policy just before going on SSDI & then putting in with the insurance company for a Disability Waiver of Premium, which the policy has? Sounds unethical, but the policy is silent. My question is, to anyone who knows, where does one go for such advice (besides your clergyman) Thanks, B. Bruce Anderson (52, 4) Schooley's Mtn., NJ [log in to unmask]