[Elgin526]

Our insurance company made us both get physicals before they would confirm the price quote and insure us. So if either of you have pre-existing conditions, you may pay more than you think for term insurance, and if you have really bad health histories, they may not insure you at all! My DH is diabetic and also has very high cholesteral, we pay 5x more for his policy than for mine (perfect health). So do NOT cancel your whole life policy until you pass your physicals and get your term insurance locked in. Even if you think you're both in perfect health, the physical could turn up something you weren't aware of that will knock your premiums through the roof, or disqualify you altogether!