Determining how long to keep your coverage in force is the key to deciding if you need a policy other than term. For example, some needs exist for a limited time such as your mortgage, or the time until your children are grown and are self supporting. On the other hand, suppose you need coverage to replace your income in the event of your death. Perhaps you need insurance to pay estate taxes. These two needs are examples of needs that can last a lifetime. If your needs extend more than thirty years, there are different types of permanent policies that can meet your needs. Initially, the premiums on these policies are more expensive, but they may prove useful to you. Check with LifeQuote for these policies.