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The key point is did you have premium waiver on your original term policy? You can't add premium waiver without new underwriting even if you convert to a permanent policy. Premium waiver is not automatically included in any policy. You have to request it, go through medical underwriting and then pay the higher premium. I'm afraid this will not be an option for you. Carl Miller Atlanta, GA > 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)