Premium vs age of coverage dilemma. Till what age ‘should’ the coverage be till? 70? 80? 100?

Raw thoughts: Life expectancy is potentially and possibly going to be 80-100 years old. Currently 32yo male, non-smoker, office desk job.

Should i pay a slightly higher premium to cover till 80? Or an even higher premium to cover till 100? Understand that we should review insurance policies every 5 years but also, in my pov, insurance policies are gonna get more expensive, albeit with benefits such as higher annual limits.

Welcome and appreciate inputs, thanks.

Plan in consideration:

A-L*feLink 2
with riders:
A+ health plan 200 with RM300 deductible
A+ recover
A+ hospital income extra (50 or 100?) to offset deductible
A+ waiver extra