When using Life Insurance to cover a mortgage, the term should match the remaining length of the mortgage.
For family protection, this can often depend on the children you'd like to support to independence. Considering university, this could take them up to age 25, but the choice is yours.
If you are unsure on how long you need the cover for you should speak to a financial adviser, who will consider your circumstances and run through your options. You can also call LifeSearch, who we've chosen to offer customers independent advice for protection products.