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Sadly at some point we all die, the thing about life insurance is you will only have one claim. After your 20 year term runs out, what do you do?? Do you still need a $250,000 per year policy? In most cases by that time your kids are out of the house an your home is paid off or close to paid off, so your life insurance needs are different. Usually at that time you need enough to cover your final expenses.