When buying a Term Insurance, should we opt for a longer term or shorter term ?

Term Insurance is the purest form of insurance without any investment factor unlike the other investment with insurance products. So, it will be never tempting to buy a Term insurance unless we understand the real purpose and necessity of a term insurance. Term insurance saves our dependents in our family from a financial crisis if something unfortunate happens to our life. The cost of a term insrance plan usually increases with the increase in the term of the policy ie., number of years for which we need to be covered under the insurance plan. So, most us will try to get insured with the minimum possible years. But this mindset needs to be changed, as there will be a lot many constraints in buying a term insurance after the first plan closes. Consider a person of age 30 yrs takes a term plan for 20 yrs. At his age of 50, this plan would come to a closure and the life cover ends. Now, at the age of 50, if he realizes that he needs life cover for 10 more yrs and if he looks for buying a new plan. Now the cost of insurance will be extremely high and also Insurance companies will be having a maximum age limit upto which insurance can be issued.So, to better avoid this risk its always recommended to take a initial life cover for maximum term. Usually term policies will be given by companies ranging from 5 yrs to a maximum of 35 yrs.