Thank you Brendan.
We didn't buy through a broker.
It appears (from docs I have just faqs) we could convert to a level term policy, switch to a dual life policy.
It also says we could switch to a new protection policy without having to do the necessary medical.
I'll ask if there are any restrictions.
We cannot extend the term so that benefit is of no use to us.
I don't think we can go interest only (Avant) so that is of no use to us.
I'll check out cost of switching to level term policy.