Some term life policies let you convert to permanent coverage without new medical underwriting. The right lives in the contract and it expires.
Ask your licensed agent to find the conversion page and the last day you can use it. A quote in the portal is not a conversion application.
Conversion premiums are usually higher than the term rate. That is expected. The point is keeping coverage if health has changed.
Your licensed agent can read a deeper version in Field Notes: open the broker article.
FAQ
Short answers you can use on a call with your agent.
Does conversion need a new medical exam?
Often no, if you convert inside the window in the contract. That is why the deadline matters. Your policy pages control the rule.
Devkrest