At What Age Does Term Life Insurance Expire? 
In Canada , you have a full range of term policies including term to 100 . Many term insurance policies renew and the premiums increase after 5,10 , 20 , 30 years depending on the contract . It is important to check the guaranteed renewal rates when comparing policies as they can vary greatly . While the policy actually expires again depends on the terms of the contract most do end at age 85 . From a practical standpoint , the renewal rates in the later years are usually prohibitive so conversions to a permanent level premium plan should be considered . Usually the conversion has to take place before age 65 , but again varies by contract . If you have further questions , or feel that I could be of assistance , please do not hesitate to contact me . If you would like to work with a local life insurance broker , you could start with a Google search . For example , if you search for : life insurance broker Halifax or life insurance agent Halifax , my name , along with several others , will come up . You can use the same method to find a life insurance broker in your community . 