No one understands that you don't have to die to reap the benefits of having a permanent life insurance policy. People don't just die, they get sick, have huge hospital bills, and illnesses that can last years. How about looking into policies that you don't have to die to use : terminal/chronic illness riders so you can use the value of the death benefit to pay for hospital bills and medication/surgeries. Buying term until 90 is stupid, your left with nothing at the end, and good luck getting anyone to underwrite a 91 year old because no insurance company will do that, most will not insure anyone over 80. It's not just term or whole life anymore, there's thousands of options to use to build a policy to meet your needs- you just need to sit down with an advisor, and for the love of god, don't base a decision on what you hear on a men's style forum from a completely unqualified individual.