You decide how long your family income benefit policy will remain, for example, until your children are financially self-sufficient or your mortgage is paid off.
With family income benefit, the insurer’s risk diminishes with each year without a claim. If you chose a 23-year term and died a month into it, the payments would start from the day of death and continue until the period ended.
If you died 20 years into the term, the payments would resume from the date of death, but only for two years, as that is how much time is remaining in the term.