If you bought term life insurance for a 20 year term, and then you died after 25 years, you would have died after your life insurance policy expired, so there would be no payout.
Term life insurance provides protection for a specific number of years, usually 10, 15, 20 or 30 years.
If you die during the term of your policy, the person you choose as beneficiary would receive the face amount of your term life insurance policy.
Learn more about
How term life insurance works
I hope that helps! Best of luck to you.