30 Year Term Life Insurance
Term life insurance is one of the best types of life insurance coverage we can recommend to anyone considering life insurance protection. Out of the three main types of life insurance coverage, which include term, universal and whole life, term insurance is the most affordable. Fixed rate term life insurance.
Most life insurance companies offer term life insurance lengths up to 30 years. A 30 year term life insurance policy means that the premium payments are guaranteed to remain level until the end of the 30
policy anniversary date.
Instantly compare rates for 30 year term life insurance coverage with our instant quote form. Need a custom life insurance quote? Please send us a message below or give us a call (888) 777-7574 and a licensed Top Quote Life Insurance agent will help assist you.
30 Year Term Life Insurance Quotes
A 30 year term life insurance policy is generally the maximum available length when it comes to term life insurance. 30 year term life insurance policies are often popular with many younger families that need affordable long lasting life insurance coverage. Most of the younger families that purchase a 30 year term life insurance policy have a greater need for larger amounts of death benefit coverage. The life insurance coverage is generally purchased to cover the cost of a mortgage, replace lost income of a spouse and have funds to send their children to college.
30 year term life insurance is not just for the young though. Many life insurance companies will allow you to purchase a 30 year term life insurance policy up to your 50
birthday. Purchasing a 30 year policy, when you are 50, will provide you with life insurance coverage until your 80
birthday and might be a cheaper alternative to a permanent life insurance policy.
Often, banks require life insurance to cover business loans. 30 year term life insurance policies are often the most purchased term lengths to satisfy the bank’s loan requirements.
Liberty life insurance
30 Year Term Life Insurance Quotes with No Medical Exam
Another popular 30 year term life insurance option is the no medical exam option. Most no medical exam term life insurance companies offer a 30 year coverage length. No medical coverage can be a great option if you need quick life insurance coverage without the hassle of taking a medical exam.
It is important not to confuse no medical exam term life insurance with guaranteed issue life insurance. No exam life insurance still requires you to answer questions about your medical history.
30 Year Term Life Insurance Quotes with Return of Premium (ROP)
Some life insurance companies offer a feature on their 30 year term life insurance policies called return of premium. The return of premium feature is a policy rider that refunds 100% of all your paid premiums at the end of the 30
Pros and Cons of Purchasing a 30 Year Term Life Insurance Policy
Premiums are guaranteed for the next 30 years
If you still need coverage after the 30
year, renewal will be much more expensive than what you’re where paying 30 years ago. Life insurance rates a determined based on several factors but two main ones are age and health.
Who is Eligible to Purchase a 30 Year Term Life Insurance Policy?
If you fall within the life insurance companies age guidelines which is generally ages 18-50 you can apply for a 30 year term life insurance policy. Keep in mind that age is not just the only determining factor. You will need to pass underwriting and medically qualify for the coverage.
For anyone who is healthy, a 30 year term life insurance policy can be a very affordable life insurance options.
Sample 30 Year Term Life Insurance Rates
Sample rates as of 10/21/2015 subject to change.
Male age 30, 30 year term life insurance policy (Preferred Plus)
Female age 30, 30 year term life insurance policy (Preferred Plus)
Male age 40, 30 year term life insurance policy (Preferred Plus)
Female age 40, 30 year term life insurance policy (Preferred Plus)
Male age 50, 30 year term life insurance policy (Preferred Plus)
Female age 50, 30 year term life insurance policy (Preferred Plus)
10 year term = $54.60 monthly
Cheap life insurance online
20 year term = $101.38 monthly
30 year term = $175.00 monthly
How to get a 30 Year Term Life Insurance Quote
If you’re looking for instant 30 year term life insurance rates, you can get a quote by simply filling out the quote form located on this page. The quote form will instantly display the cheapest rates and allow you to apply online. If you need assistance with your quote please call us toll free 888-777-7574 or send us a message below with the details to your quote request.