What Term Life Insurance Should I Get? 
If you are asking what length of term life insurance to get , that depends on the need for which you are purchasing the policy . Generally , it is a good idea to lock in your rate for as long a term as possible , because no one knows what their health will be the next time they apply . Also , age makes a big difference in premiums , especially in men and those who need to add on table ratings due to a health condition . However , if you are buying life insurance to pay off a mortgage for which only 7 years are left , getting a short term policy makes more sense . 