My understanding term life is to replace income

since you are not working IDK.....Id keep your current term and invest in a roth IRA with that money SP500

that said, the earlier you buy term the better but only need a ten year policy at your age

Id hire an hourly financial planner who doesn't sell insurance and ask that question

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RIP Bucky - 7/25/1943 - 1/19/2013