All good things must come to an end, they say, and so it is with life insurance, too. True, some policies end on a less-than-happy note, but very often the person insured outlives the policy or, at least, lives long enough that the insurance is no longer valuable. Here's a look at what you should consider when your term is up.

Replace ART with long lock-in -- Annual renewable term (ART) policies eventually should be swapped for a longer term and locked-in premiums.

When to convert term insurance -- Some people buy term policies for all the right reasons, but hold onto them too long for all the wrong reasons.

Don't lapse your policy -- sell it! -- Just because you don't need or want that old policy anymore doesn't mean it's worthless. How to get some of those premiums back.