Can I Extend My Term Life Insurance? 
Most term life insurance policies can not be extended , although some policies do explicitly offer that feature . The premium is higher when a policy is extended , and that means the premium is usually MUCH higher . If you are unsure if you will need your policy past a certain point , it is usually more economical to purchase a longer term upfront , than it is to get to the end of your term policy and have to figure out how to add a few more years to it . 