confused

I'm confused!!! I have talked to 4 people and all 4 has gave me a different answer! my question is with term life if i was to get it for 10 year term and i live 11 years do i still get the amount that i was paying for? or is the amount gone? to were i never see it and have to start paying on another term? right now i have whole life i really don't know which way to go. example which one is better term for 10 years in amount 50,000 or whole life for 50,000