My Term Life Is Paid To 80, So If I Die After 80 Is The Policy No Longer In Effect? 
Term policy covers you only for a specific term . You may be able to continue it past that term , but only at a vastly increased premium . Check your policy . What you might want to do is convert that term policy to a whole life policy if you still can . That way the premiums will never increase and you may be able to get some of your prepayment applied . Gary Lane , Registered Representative , New York Life , 949 797 2424 . Thank you . 