Yo, KIDD,
I had term life ins for 40 yrs.. I OUTLIVED it

Bought it when i was 25 yrs. old. Wanted to leave something for the wife & kids.
Had a fairly hi risk life style, street Policeman in Wash. DC for 22 yrs.,

,scuba diver, sky diver, motorcycle rider.
I'm 68 yrs. old now, retired, no scuba/sky diving, but i still ride my motorcycle(s) GL1800 & '00 Valk standard 20K+ miles per yr..
Have no life ins. now, but the kids are grown & doing well, THANK YOU LORD

, house is paid for, got some CD's, no stocks, so between the house & savings, my wife should be OK.
Depending on your lifestyle & general health habits, drinkin', smokin', etc..., i'd say you'll see @ least 74 years on this side of dirt.

It's all a crap shoot, but one things for sure, ain't none of us gettin' outta here alive

Good luck to ya,
the hobo