See, with Protective Term insurance you don’t end up having to pay a lot more to stay insured after your term ends. Instead of your price increasing at the end of the initial term, your rate stays the same and the death benefit gets reduced.
In fact, the death benefit will continue to be reduced every year after the initial term ends until it gets down to $10,000. Only at this point does it stop going down, and it becomes possible for your premiums to go up.
Keep in mind that initial terms are typically between 10 and 30 years.