TD life insurance…more expensive…limited choices!

Currently TD is offering only term 10 life insurance which is more expensive than what can be bought elsewhere. Example is a 48 year old male non-smoker TD’s rate is $73/month others as low as $65/month.

Can you convert their term polices into permanent? No! There is talk that this may happen later this year.
What about term twenty? Currently this is going through Transamerica. Again, limited choices and maybe not the best.