W: Hi AK. I asked my insurance agent about Term Life insurance after seeing the post on 1mil coverage on $41/mth. He suggested to me, "Bro, if u r looking at $1mil, might as well go for till age 99. It's more expensive but at least won't waste the premiums paid and most likely the sum assured will be payable." Can you advise me on whether to cover till 65 or 99? I'm 34 this year, married with 1 child. Wife is also working. Thank you. Assi AK ROFL Insurance agent also need to tan jia... ;p W: Hahahahaha ya that's what I thought. Cuz I was aiming for 65y. Assi AK Waste premium paid? You waste premium paid when you buy insurance when you don't need it anymore... ;p Pay for what you need. W: ???????? understood. Thank you very much for the reply! Really enjoy and learn a lot from your blog. Especially on cpf issues ......