How Long Does A Term Life Insurance Last? 
That is a good question ! Term life insurance policies are generally set for an exact number of years , ranging from 1 -LRB- your work policies -RRB- to 30 . The length of the term is clearly stated in the title of your policy . Your policy will show you many years after the stated term , and look carefully at the cost - see how it rises dramatically ? If you want to renew it after your term expires , that is what you will pay . Other term policies , like the ones advertised for Senior Citizens on TV , and the `` everyone 's guaranteed '' ones you get in the mail , do n't have a specific start age -LRB- the policy starts when you are approved and paid the first premium -RRB- but they have a definite end date - the day you turn 80 . These policies are legitimate life insurance policies , with good companies behind them , but I have repeatedly found that the seniors purchasing them do n't realize that they end , and leave them without any insurance that they can afford . These policies will also rise in price every few years also , another difference from a straight term policy . I hope that helps . Thanks for asking ! 