Can I Have Some Time To Think About This?

Shortly after our son was born, I purchased a 30-year term life insurance policy for myself, and a 20-year term policy for my wife. My wife's policy is through USAA Life Insurance.

Today, I received this great personalized letter from USAA in the mail:

Did you know that your policy allows you to change your coverage to permanent status without getting a medical exam? [... blah blah...] To change your coverage, please call us... before October 7, 2021.

Either they need to work on their personalized custom form fields a bit, or they really, really know me far more than I realized, because, you know, I just hate being rushed into decisions.