How Long Does Life Insurance Last? 
It is going to depend on the type of policy purchased . For term insurance there is a stated policy end . Usually with newer term policies the end is age 90 or 95 . With older policies as young as 70 could be the end . AARP 's term life ends at age 80 for example . With universal life policies have age limits of up to age 121 in some cases . There are some Guaranteed Universal LIfe policies that offer lifetime coverage . These are fairly new policies , that just require a set premium be paid for the life of the policy . Whole life depending on the age of the policy will `` endow '' at age 100 or later . At that point the cash value will be greater than the death benefit and the insured gets the cash values . The big thing to remember is that policy end dates are always changing when new insurance plans are created . The big thing is check your policy . An end date will be stated in the body of the policy . This is a multiple answer question , you have to look . 