Can You Get a 50-Year Term Life Insurance Policy?
Can you get a 50-year term life insurance policy? The answer is no—U.S. carriers do not offer level term coverage that lasts for 50 years. The longest term available today is 40 years. While a half-century policy doesn’t exist, there are smart alternatives that can provide protection for the decades ahead.
At Diversified Insurance Brokers, we offer every available term length on the market—1-year, 5-year, 10-year, 15-year, 20-year, 25-year, 30-year, 35-year, and 40-year terms. For those who want coverage lasting 50 years or longer, we also design permanent life insurance policies with guaranteed premiums and guaranteed death benefits that can be tailored to meet the same need.
Explore All Term & Permanent Options
From 1-year to 40-year term—and permanent life policies that can last 50 years or more—we’ll help you choose the right fit.
Why 50-Year Term Life Doesn’t Exist
- Risk management: Insurers stop at 40 years because of the cost and risk involved in guaranteeing premiums for half a century.
- Limited demand: Most clients need coverage aligned to mortgages, income years, or retirement timelines, which are shorter than 50 years.
- Permanent solutions exist: Whole life or universal life can be tailored to guarantee premiums and benefits for 50 years or longer.
Available Term Options
We provide every available term option in today’s market:
- 1-Year Term (Annual Renewable)
- 5-Year Term
- 10-Year Term
- 15-Year Term
- 20-Year Term
- 25-Year Term
- 30-Year Term
- 35-Year Term
- 40-Year Term
Permanent Life Insurance Tailored for 50 Years
If your goal is to secure coverage lasting 50 years or more, permanent life insurance is the answer. These policies can be structured with guaranteed premiums that never increase and guaranteed death benefits that last exactly 50 years – or longer—effectively meeting the need for “50-year coverage.”
Compare Your Longest Term & Permanent Options
Use our calculator to see real-time rates for all available term lengths and permanent policies designed to last 50 years or longer.
Life Insurance Quoter
Case Example
A 30-year-old client asked about a 50-year term to protect their family until age 80. Since no 50-year terms exist, we structured a plan combining a 40-year term with a permanent life policy designed with guaranteed premiums and death benefit. The result: affordable coverage now, and guaranteed lifetime protection well beyond 50 years.
Why Work With Diversified Insurance Brokers?
Since 1980, we’ve helped families match the right policy length with their needs. Whether you want short coverage, the maximum 40-year term, or a permanent policy designed for 50 years or more, we’ll compare all carriers and options for you. Learn more about our life insurance services, explore burial insurance, and see why families choose us.
FAQs: 50-Year Term Life Insurance
Can you get a 50-year term life insurance policy?
It’s uncommon. Most insurers cap level term at 10–40 years, with 30 and 40 years being the longest widely available. True 50-year level term is rare; where available, it typically has tight age limits and higher premiums.
Who is a 50-year term designed for?
Primarily very young applicants who want one policy to span multiple milestones (mortgage, career, dependents) without ever re-qualifying. Because choices are limited, many buyers instead combine long term with permanent coverage.
What are practical alternatives to a 50-year term?
Common alternatives include a 40-year term (if eligible), laddering multiple terms (e.g., 20, 30, and 40 years), or using guaranteed universal life (GUL) to a specific age (90/95/100) for lifetime protection with level premiums.
How do premiums compare versus 30- or 40-year term?
Longer terms cost more because the insurer is on the hook longer. Expect a meaningful jump moving from 30 → 40 years, and an even bigger leap if a 50-year option exists. Younger, healthier applicants see the best pricing.
What are the usual age limits for very long terms?
Carriers set maximum issue ages for each term length. For the longest terms, eligibility is typically restricted to younger ages. If you’re above the cut-off, consider a shorter term, laddering, or GUL to a target age.
Can I convert a long term policy to permanent coverage later?
Many term policies include a conversion option for a set period, letting you switch to a permanent policy without new medical underwriting. Check your policy’s conversion window and the eligible permanent products.
Is laddering better than trying to find a 50-year term?
Often, yes. Laddering stacks multiple terms so coverage tapers as needs decline, which can reduce total cost versus one ultra-long term. You keep a portion of coverage long term without overpaying for all of it for 50 years.
What if I want coverage to last my whole life?
Consider permanent solutions like GUL to age 90/95/100, whole life, or indexed UL. These can guarantee lifetime coverage (subject to premiums paid) and avoid the risk of outliving a long term policy.
Are no-exam 50-year terms available?
No-exam options typically cap term lengths and face amounts. For very long durations, full underwriting is more common. Accelerated underwriting (no exam for qualifying cases) may be available for shorter terms.
Can a return-of-premium rider work with very long terms?
Return-of-premium (ROP) riders exist on select terms, but availability can shrink as durations get longer and costs rise. If ROP is important, compare the after-tax return against investing the premium difference elsewhere.
How should I decide between 40-year term and permanent coverage?
List your time-bound needs (income replacement, mortgage, education) and lifetime needs (final expenses, estate). Cover the time-bound portion with term; consider a modest permanent layer for the lifelong portion.
What’s the best next step if I’m interested in 50-year coverage?
Have an independent broker compare the longest available terms, your conversion options, and a laddering plan. If a 50-year solution isn’t viable, they can design a mix that meets the same goals at a better overall cost.
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Licensed in all 50 states • Fiduciary, family-owned since 1980
About the Author:
Jason Stolz, CLTC, CRPC, is a senior insurance and retirement professional with more than two decades of real-world experience helping individuals, families, and business owners protect their income, assets, and long-term financial stability. As a long-time partner of the nationally licensed independent agency Diversified Insurance Brokers, Jason provides trusted guidance across multiple specialties—including fixed and indexed annuities, long-term care planning, personal and business disability insurance, life insurance solutions, and short-term health coverage. Diversified Insurance Brokers maintains active contracts with over 100 highly rated insurance carriers, ensuring clients have access to a broad and competitive marketplace.
His practical, education-first approach has earned recognition in publications such as VoyageATL, highlighting his commitment to financial clarity and client-focused planning. Drawing on deep product knowledge and years of hands-on field experience, Jason helps clients evaluate carriers, compare strategies, and build retirement and protection plans that are both secure and cost-efficient.
