Ask the Life Insurance Expert
What happens with a term life insurance policy if the person is still living when it has reached the number of years?
The policy expires and that's that.
It's like paying for an auto insurance policy for many years and never crashing. You paid for the "protection" but you didn't need it.
If you don't like that idea, you could look into a permanent life insurance policy or a return-of-premium term life policy.