[quote=ljinvestor]I’m in the business and would say go with the 20yr term. Don’t see any reason to pay extra cost of 25 or 30 year when with most carriers you can convert before the end of 20th year at today’s health rating if coverage is still needed[/quote]
Agree. I got a 20 yr level term policy several years ago at a good rate. But I was really put thru the paces to qualify for it. I feel grateful to have it, and, by the time it “expires,” I’ll be a fossil with one foot in the grave and other one “off-balance” so it won’t matter anymore :-0
