1. 11773 POINTS
    Larry GilmorePRO
    Agent Owner, Gilmore Insurance Services, Marysville, Washington State
    The longest term insurance? Guaranteed Universal life is the longest "term" policy a person can purchase. Simply put a guaranteed universal life policy can be a lifetime term policy as it requires only the premium be paid when due.  A guaranteed universal life is not a savings plan, but simply level premium coverage.
    Answered on May 14, 2013
  2. 1165 POINTS
    Chris AbramsPRO
    Founder, Abrams Insurance Solutions, Inc., San Diego, CA
    Term life insurance is generally issued in 10, 15, 20, 25, and 30 year terms, with 30 being the longest.  Prudential does offer a term insurance product called Worklife 65 term that offers coverage to age 65.  If you are 25 years old and take out this Prudential policy, you would be purchasing a 40 year term.
    Answered on May 14, 2013
  3. 0 POINTS
    David RacichPRO
    Fountain Hills, Arizona
    It depends on the age of the insured, but a young person, who qualifies for coverage could purchase up to 40 years guaranteed level term. Again, based on age, the conventional term life insurance market can go as long as 30 years. Most defensive financial planners recommend purchasing term insurance with a conversion provision to convert to permanent life insurance in case the original coverage period is too short. 

    Answered on May 28, 2013
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