<prompt> Human: Hi everyone,Thanks in advance for any comments, I appreciate them.Last time this year I purchased a 5 year term life insurance plan for 75k. Nothing crazy but it would cover any of my college debt and then some. It also gave me flexibility to change my plan if I needed to in just 5 years. It was costing about 30month.A lot has happened since then! I just got married a few weeks ago, and my wife and I are working on getting new life insurance set up. The insurance salesperson suggested we get a longer term to help lock in a rate and get much higher coverage. We are now looking at anywhere from 30-50-month for 250k coverage. But its a 20 year term.We are both 23 and right out of college. Does it make sense to get to get a longer term plan to lock in a rate through the next 20 years. I can see some benefits, but I also dont really know if it is necessary or the best course of action.Any advice on life insurance would be great! Thanks!  <response>: Until you buy a house with a mortgage or have kids, my vote is dont bother with life insurance. 