How to choose a life insurance term length

Term length should match how long people actually depend on your income, not a round number.

By the InsuranU team Updated July 20263 min read

The right term length is the one that covers U for exactly as long as someone depends on your income.

Match it to your obligations

10, 20 and 30-year terms are the most widely available, and 20 years is a common fit for parents with a mortgage and young kids.

If U only need coverage for a specific, shorter-term debt or obligation, a shorter term keeps the premium lower.

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A simple way to size your policy.

The two main policy types, compared plainly.

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What happens if I outlive my term?

Coverage ends. Some policies allow renewal or conversion, usually at a higher rate.

Can I have more than one term policy?

Yes. Some people layer shorter and longer terms to match different obligations, a strategy called laddering.

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