At what age do you stop paying for life insurance?

At what age you stop paying for life insurance depends on policy type. For term life insurance, you stop paying when term ends, such as 10, 20, or 30 years, after which coverage expires unless you renew or convert, typically by age 70 to 80 most term policies end. For whole life insurance, you may pay for life or until policy is paid up, many whole life policies are designed to be paid up at age 100 or 120, but limited pay options allow you to pay for 10 years, 20 years, or until age 65, after which policy is paid up and stays in force without further premiums. For universal life, you can pay until cash value sustains policy, potentially into your 80s or 90s. There is no automatic age where you must stop paying, you stop when you no longer need coverage, policy lapses, or it becomes paid up. Many people drop term in retirement when kids are grown and debts paid, often in 60s. If you keep permanent policy, you could pay into your 80s unless it is paid-up design.