Good point. To clarify, many people buy Term Life when they are healthy. You lock in long-term savings for 5, 10, or 20yrs. Renewing term life 10yrs or 15yrs in

Good point. To clarify, many people buy Term Life when they are healthy. You lock in long-term savings for 5, 10, or 20yrs. Renewing term life 10yrs or 15yrs in is hard -- you now have high cholesterol, diabetes, risk, etc., so your premiums go up massively. It defeats the point of term life.