Term life insurance is a type of coverage that provides protection for a specific period of time, such as 10, 20, or 30 years. While term life insurance can be a good option for many people, it’s important to make sure that you’re not choosing a term that is too long. If you choose a term that is longer than you need, you may be overpaying for your coverage. It’s a good idea to carefully consider your needs and budget when choosing the term for your policy. In general, you’ll want to choose a term that will last until your mortgage is paid off or your family is no longer financially dependent on you.