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@jas9108 When it comes to a Term Policy what you want is a policy that is “convertible” That just means that you’ll have the option to convert it to a whole life policy at a certain point before the term expires The advantage to converting it to a whole life policy is that the premiums will...

@delling1000 They’re all great options! Choose one that will have convertibility options down the road. Every month I will prob meet with 5-10 people in their 60s-70s who had a term policy that expired and now feel like they need to get another one. At which point their options are very limited...

@roundspheal01 That’s rough! Sorry you’re going through it, but glad you are getting on the right path. It is helpful that you have now quit drinking. I don’t think the situation is as bleak for getting approved with an insurance carrier.