What Term Should I Choose For Life Insurance? 
Pretty the longest one that fits into your budget . If the decision is set on gettin a term rather than a whole life policy , the longest period you can comfortably afford is the best way to go . Mae sure the rate and death benefits stay level , as well as noting whether or not there is a convertibility option for down the road planning . The latter would let you carve out a portion or all of the death benefit into a whole life policy , usually with some lessened restrictions on the medical underwriting side of things . Of course , my only exception to this philosophy would be if you are getting the protection on something specifically and measurably finite , like to backstop a car or house or some such . At that point one would have a loan with a definite set of time terms , which would then lend itself to getting term coverage matched up to the time requirements of the item or asset being covered . 