Should I Take A 15 Years Term Life Insurance? 
The vast majority of folks with term , do not keep it to the end of the term but let it lapse . Thus you find yourself starting to look all over again . If you can not yet afford Whole , I suggest you start with term for 10 years and then convert with a company you trust . The older you get the harder and more expensive it becomes . New York Life has just announced a reduction in price in its 10 year level term policies , which can convert to Whole Life . 