How long should my term life insurance policy be — 10, 20, or 30 years?

Answered by 3 licensed agents

It varies depending on whether you want to cover a home mortgage in the event of a death to protect your family or if you have other requirements. Keep in mind that carriers have stricter health and age requirements to get approved.

Answered by Tim Cassidy on July 7, 2026

Broker Licensed in TX, AL, AR & 35 other states

Answered by Tim Cassidy Life Insurance Agent

They are usually 10 or 20 years. Sometimes they go to a certain age, like 90. The longer the better depending on your age.

Answered by Clifford Moss on July 2, 2026

Agent Licensed in CT, AL, FL & 10 other states

Answered by Clifford Moss Life Insurance Agent

That would be determined on the financial obligations you may be trying to cover. It could be a young family until they no longer depend on you financially or covering a home mortgage.

Answered by Robert Pennington on July 2, 2026

Broker Licensed in NC, GA, SC & VA

Answered by Robert Pennington Life Insurance Agent

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How long should my term life insurance policy be — 10, 20, or 30 years?

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How long should my term life insurance policy be — 10, 20, or 30 years?

Agents: Share Your Expertise

Seniors: Ask a Question of Your Own

Related Questions

Agent Locator

Life Agents HubA non-government resource website

Life Agents Hub
A non-government resource website