How Many Years Of Term Life Insurance Do I Need? 
To calculate the number of years of Term Life Insurance you need , it is helpful to look at the important events in your life and work around those . E.g. . When will your kids graduate from college ? Ending your policy shortly after that event is a popular choice . Others choose to pick a term that will end when they retire . Or when their school loans are paid off . You get the picture . Just keep in mind that you can always drop your policy if you no longer need it . It is better to err on the side of getting a `` too long '' term than a `` too short '' one . 