TERM LIFE GUIDE
What is the longest term life policy?
Maximum term lengths vary by carrier, product, issue age, state and underwriting rules. Common level-term periods include 10, 15, 20 and 30 years, while some products may offer other durations.
TERM LIFE INSURANCE • COVERAGE GUIDE
How Long Can Term Life Insurance Last?
Learn about common term life insurance lengths, what can limit the longest term available, and how to choose a coverage period for your needs.
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TERM LIFE GUIDE
Why age can affect term length
Carriers may limit the term periods available at older issue ages. A term that is available to one applicant may not be available to another.
TERM LIFE GUIDE
Choose the term around the need
Rather than choosing the longest period automatically, match the term to the expected duration of income replacement, mortgage obligations, dependent years or other temporary needs.
TERM LIFE GUIDE
Compare policy features
Along with term length, review premiums, conversion privileges, renewal provisions, benefit amount and underwriting requirements before applying.
COMPARE TERM OPTIONS
Compare common coverage periods
See our 10 vs. 20 vs. 30 year term life insurance guide or review the main term life insurance guide.
NEXT STEP
Compare coverage built around your family.
Coverage and pricing depend on the product, carrier, age, health, state, underwriting, and policy terms.
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