What Is A 20 Year Term Life Insurance? 
A 20 year Term life insurance policy is one that will provide coverage for 20 years , presumably with the premium staying the same for the whole 20 years . You need to check the policy features to make sure your premium is guaranteed not to go up for the entire 20 years . When the 20 year Term is up , the policy will end or the premium will jump up extremely high and can go up yearly after that . 