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@hopelesslysaved Rates spike if you're unhealthy and/or if you're a smoker. There isn't necessarily an age where it jumps significantly. However, it becomes more expensive each year.

@minimiura I work in the life insurance industry - A 10 year term policy is cheaper than a 20 year policy. Since it is a term policy, it will not automatically renew; the policy will ended because the contract has ended.