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Term Life Insurance

How long should my term life insurance policy last?

A good approach is to match the term length to how long your financial obligations will last — for example, a 20-year term to align with a 20-year mortgage, or a term that lasts until your children are expected to be financially independent.

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Many people choose a 20 or 30-year term to cover the bulk of their working and child-rearing years, while others select a shorter term if they only need coverage for a specific, shorter-term obligation.

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An agent can help map your specific timeline of financial responsibilities to an appropriate term length rather than picking one arbitrarily.

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