If you don't have an agent with the company that the policy is with, then you should find one. An agent can effectively explain what your options are. It sounds like you have a term insurance policy, and there are several options available to you depending on the company, the type of policy, your age, etc. You can do a whole or partial conversion to a whole life policy, which will keep your premiums level, or if the policy is a term 20, term 70, etc. You may be close to losing the policy. If it is an ACL or EOL policy, you may have enough "paid up" insurance to save part of the policy and quit paying premiums on any term portion. Again, please find an agent to talk to - that's your best bet. Take care.

Term life insurance

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