10 and 20-year term insurance
The most popular and cost efficient insurance plans but they do come with some risk, should you need to extend the coverage at the end of the chosen term. You'll face higher costs as your age increases and your health changes.
Some insurance companies offer an exchange of term with no medicals required. For example a 20-year to a 30-year term insurance, but you'll pay the cost of insurance based on your age at exchange.
Most life insurance carriers offer a conversion to a permanent insurance plan before a specified age, example age 70. That said the older you get, the higher the cost of insurance.
25-year term, 30-year term and beyond
The longer term insurance plans offer an extended coverage plan at a slightly higher cost that shorter term plans. The premiums are much lower than having to renew the coverage. They provide the same policy features as 10 or 20-year term policies.
Term to age 100 life insurance
A permanent insurance plan that offers lifelong coverage at a fixed premium. It's considered a term plan it doesn't build any cash values. Should you surrender the policy you get nothing in return.