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Its a common term length for financial reasons such as: Coverage to age 70: common age that most want/need coverage through Most tobacco chewers will be retired: coverage will last until retirement No Mortgage: mortgages on homes and other debt typically paid off by 70 Provide retirement income protection: the last 10-15 years before retirement are important savings years For these reasons and many more, an affordable 15-year term policy is an important financial tool in your 50s