Compare 30 Year Term Life Insurance Quotes

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What is a 30 year term life insurance policy

A 30 year term life insurance policy can be a great choice for someone who may have a mortgage they need to protect.  It can also be a great plan for new parents who want to protect their assets until their children are grown and have left the nest.

One of the best features, when you buy a term life insurance policy, is that you lock in your life insurance rates for the entire length of the term. 30 year plans are great for those people looking to take advantage of locking in long term cost without any fluctuation in the premiums.

We can help you determine if a 30 year term is right for you – there is nothing we do not know about life insurance.  We are here to guide you in selecting the best company, finding the lowest cost, and choosing the best policy for you.

So if you’re looking to compare 30 year term life insurance quotes then you have come to the right place. On our quote engine, you can compare the rates from the top life insurance companies in the country. The best part is, it only takes a matter of seconds, you will see every term rate, side by side. We make sure you never pay to much for your policy.

What is the average 30 year term life insurance cost?

We calculated the average cost from the top ten life insurance companies for a $250,000 and a $500,000 policy. Ten life insurance companies offered the $250,000, 30-year term, between $37 to $40 for a 40-year-old male. Look at the chart to see how the average cost looks for a 40-year male.

For the $500,000 30 year term policy these same life insurance companies offered the policy anywhere from $66 to $72. Depending on your age, rate class and how much coverage you want you will not see a huge difference in the average cost between the top life insurance companies.

Learn more about life insurance cost here.

$250,000 Policy

$3850monthly
  • Male Age 40
  • Preferred Non-Tobacco Rate

$500,000 Policy

$6900monthly
  • Male Age 40
  • Preferred Non-Tobacco Rate

FAQs

Best 30 year term companies

There are a lot of great companies that offer 30-year term life insurance plans. Finding the best company for you takes the help of our quote engine, as well as, working with one of our agents. Our agents will help make sure you meet the underwriting guidelines of any company before you apply.

Each company has different guidelines that must be met in order to qualify for coverage. These guidelines range from – your height and weight, driving history, medications history, past health conditions, and so many other factors.  Navigating each companies underwriting guidelines takes an expert and an agent with a lot of experiance — both of what you get when you work with us.

If we were to name just a few of the 30 year companies we like best they would be; Foresters, Banner, Prudential, AIG, Pacific Life, SBLI, Protective, Lincoln, Nationwide and North American.

One other thing to remember about this type of policy – most carrier only offer a 30 year term up to age 55.  If you are tobacco user they only offer this plan up to age 50. So keep that in mind.  We do have one carrier who will offer non-tobacco user up to age 60.

Take a look at a few different companies we offer

Male Preferred Best Non-smoker 30 Year Rates

Plan subject to underwriting.

Age$250,000$500,000$1,000,000
30$21$36$63
35$25$42$76
40$35$61$112

Female Preferred Best Non-smoker 30 Year Rates

Plan subject to underwriting.

Age$250,000$500,000$1.000,000
30$18$29$51
35$21$36$63
40$28$48$89

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