How Long Do You Need Life Insurance? 
Not a simple or short answer . While there are huge numbers of people in the US that do not havelife insurance , thelength of timeto purchase life insurance depends uponthe reason for the life insurance . People who have large estates will uselifeinsurance as a planning tool to help pay for estate taxes.Some willneed life insurance purely as a death benefit . Others will useto generate tax free retirement , where the cash value is not tied up & can be used before reaching retirement age as Walt Disney tocomplete the financing to launch Disneyland -LRB- in CA -RRB- . Best advice ... get with a consulting agent with experience withall of the above and allow them to help decipher your individual needs . 