What Is The Term Of Life Insurance? 
If you actually buy Term Life Insurance , you get to pick the term , be it one year , five years , ten years , or even twenty years . But you need to pay the premium every year , or it will end . 97 % of folks do not continue to pay and it ends for them . They then have to get another policy , only to find it costs more because they are older , or is not even available because of their health . A man in his 30 's put off buying until last week , only to find he had developed MS and had to pay a much higher premium . He was lucky to be able to get insurance at all . Do not put off buying insurance . Something is always better than nothing . Getting Permanent Whole Life Insurance is the safest . The rates never go up and you can keep it your entire life , so long as the premiums are paid . A quality agent can help you determine what you can afford , and how to arrange a variety of possible alternative options . Gary Lane , Agent for New York Life , 949 797 2424 . Thank you . 