I Need A New Life Policy, Term Just Expired 
To determine your next steps , it would be important to know if you are still within 30 days of the term expiry -LRB- policy anniversary date -RRB- . You may be able to change the premium mode from annual to monthly -LRB- if necessary -RRB- and continue the policy month to month at the new higher premium in the term policy until you can get a new policy . Also , does the term policy have a conversion provision and , if so , did it expire ? Usually conversion ends at the end of the initial term period but sometimes it extends to a later age . Most importantly , are you insurable ? If you are not , you need to work with a life insurance professional and the insurer to try to preserve the coverage you have if it is not too late . If you are insurable , find a life insurance professional and apply for coverage - and , as this situation suggests , maybe term is not right for you so plan on buying a permanent policy that can be designed to meet your needs . 