How Long Do You Need Life Insurance? 
How long a person needs insurance is of individual importance . There is n't a blanket answer for everybody . One person may only want coverage for a set period of time . Another may want coverage till the day they die . Who 's correct in their choice ? They both are if that is what they wish . About the only thing I would suggest if you decide a limited period of time is all you need for life insurance , is to cover your bet with convertable term insurance . That way if you decide you do need coverage till the day you die , you 've got that option . 