Hello Neal, it took me awhile but i actually read over half of the comments on this website. I would still like to get your opinion on my situation. Im 40 years old my wife is 37. Im in the process of getting a 500k term policy for 30 years, and 100k for my wife. my 500k is split into two policies 250k for 20 years and 250k for 10 years. if i die within 20 years of now both policies pay out equaling 500k, but after 20 years if i dont die i loose the 20 year policy and only pay on the 10 year. and only 250k will be payed out if i die within those remaining 10 years. I would like to see what your opinion on this is.