If your spouse is your beneficiary, you should consider being covered until you plan to retire. If it's your children that are beneficiaries, you'll probably want to protect them until they're age 18 or finish college.
To protect your home mortgage loan, choose a life insurance policy that will be in place for at least the length of the mortgage loan, which is usually for a term of 15, 20 or 30 years.
Depending on your age, you can purchase life insurance policies guaranteed for 10, 15, 20 or even 30 years of protection with level premiums and an amount of life insurance that will not decrease during the term of your policy.
Learn about term life insurance plans that offer affordable protection for up to 30 years.