My Term Life Is Paid To 80, So If I Die After 80 Is The Policy No Longer In Effect? 
Policies paid to age 80 end at that age . So your first question is : is that what you really have ? Check your policy data page from way back when you bought it . If you do not have that , call the carrier . Next question : why did you buy a policy that terminates at age 80 ? Was it because you wanted to grow cash inside the policy ? If so , then at least you have some cash to transfer into a new policy to cover you going forward . You might even have sufficient cash to pay up a new policy guaranteed for the rest your life . That would be nice . Get prequalified and find out what your options are . 