If you have a term life insurance policy that specifies coverage until a certain age, such as 80, the policy will no longer be in effect once you reach that age. Term life insurance provides coverage for a specific period of time, typically 10, 20, or 30 years. Once the term of the policy ends or the specified age is reached, the coverage ceases. In your case, if you pass away after reaching the age of 80, the policy will no longer be in effect and there will be no payout. It's important to review the terms and conditions of your policy to understand the coverage period and any age limits that may apply. If you are looking for coverage beyond a certain age, you may want to consider other types of life insurance policies, such as whole life or universal life insurance, which provide coverage for your entire lifetime. These policies typically have higher premiums but offer lifelong protection. It's always a good idea to consult with an insurance specialist or financial advisor to determine the best type of life insurance coverage for your specific needs and circumstances.