Before talking with insurance agent I'd like to get info/advice here. My wife has a whole life policy started by her parents when she was young. Premiums currently paid by dividends, so we've just left it alone so far. The "cash value" is irrelevant to us, we never plan to try to access it, and we understand that it is of no value or use to eventual beneficiaries. Ideally, we would like to just convert the "cash value" to increased coverage. Is this generally possible, and are there tax or other issues that we should be aware of before looking into this?