30 Year Term Life Insurance

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30 Year Term Life Insurance Quotes
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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.

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 30th 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 50th birthday. Purchasing a 30 year policy, when you are 50, will provide you with life insurance coverage until your 80th 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.

 

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 30th year.

    

Pros and Cons of Purchasing a 30 Year Term Life Insurance Policy

PROS:

  • It’s very affordable
  • Premiums are guaranteed for the next 30 years

CONS:

  • If you still need coverage after the 30th 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)

$250,000 = $20.43 monthly
$500,000 = $33.98 monthly
$1,000,000 = $60.53 monthly

Female age 30, 30 year term life insurance policy (Preferred Plus)

$250,000 = $17.16 monthly
$500,000 = $28.08 monthly
$1,000,000 = $49.03 monthly

Male age 40, 30 year term life insurance policy (Preferred Plus)

$250,000 = $30.75 monthly
$500,000 = $53.95 monthly
$1,000,000 = $102.35 monthly

Female age 40, 30 year term life insurance policy (Preferred Plus)

$250,000 = $25.73 monthly
$500,000 = $43.20 monthly
$1,000,000 = $80.35 monthly

Male age 50, 30 year term life insurance policy (Preferred Plus)

$250,000 = $72.68 monthly
$500,000 = $134.35 monthly
$1,000,000 = $259.88 monthly

Female age 50, 30 year term life insurance policy (Preferred Plus)

10 year term = $54.60 monthly
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.

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30 Year Term Life Insurance by Jeffrey Manola Top Quote Life Insurance

Jeffrey Manola

Jeffrey Manola

Jeffrey Manola is an experienced life insurance agent and the founder of Top Quote Life Insurance. His mission when he created Top Quote Life Insurance was to provide online consumers searching for life insurance with the absolute best quotes for term life insurance, permanent life insurance, no medical exam life insurance, and burial insurance.

Not only does he strive to provide you with the best rates for your life insurance coverage, but he also wants you to be well informed about the different types of life insurance options that are available. You will also find a significant amount of valuable information on the multiple life insurance companies that can provide you with coverage.

Jeffrey Manola is licensed to provide expert advice and help aid in the purchasing process of life insurance products. He is licensed with the National Insurance Producer Registry (NIPR) in the following states:

AL: 790866 AR: 14358927 AZ: 14358927 CA: 0K29801 CO: 531038 CT: 002536246 DC: 3000281706 DE: 3000190912 FL: W383615 GA: 3089339 HI: 482421 IA: 14358927 ID: 646048 IL: 14358927 IN: 3100885 KS: 14358927 KY: DOI-986908 LA: 758187 MA: 2045330 MD: 3000011601 ME: PRN252004 MI: 14358927 MN: 40427014 MO: 8428106 MS: 10519253 NC: 14358927 ND: 14358927 NE: 14358927 NH: 2434852 NJ: 1562332 NM: 14358927 NV: 3299018 NY: LB-1484031 OH: 1117369 OK: 100293583 OR: 14358927 PA: 740709 RI: 3000183893 SC: 14358927 TN: 2383399 TX: 1969337 UT: 648983 VA: 987464 VT: 3426230 WA: 947010 WI: 14358927 WV: 14358927

Never hesitate to reach out to Jeffrey if you need help. Top Quote Life Insurance is more than just an online quoting agency. We want to help you save money, protect your future, and earn your trust (888) 777-7574.

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Life Insurance Rates?

Purchasing Life Insurance has never been easier

Or give us a call...888-777-7574