<prompt> Human: Im a 31 yo married breadwinner with a kid on the way. I have already decided to do term life insurance for 30 years to cover the mortgage and college. I know getting it now will lock in cheaper rates. My question: When Im 61 and my term life runs out, wont it be very expensive to get more life insurance later in life to cover whatever expenses we have over social security and to put me in the ground? Should I get some sort of secondary insurance now that would cover those expenses then get get lower term coverage which would lock in lower rates or wait? These insurance agents arent being honest with me and they wont even discuss term as an option.  <response>: House paid off by 61Your kids will be in their 20 or 30s workingBy 61 you should have a huge chunk of retirement money alreadyWhat do you need to worry at 61 besides working a few years and going fishing and picnics with your wife, 