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 ...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insur...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Sep 30, 2021

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It’s all about you. We want to help you make the right life insurance coverage choices.

Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different life insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.

Facts You Should Know

  • Plenty of insurers offer term life insurance policies
  • Many of those will offer 30-year terms
  • If you’re healthy, you can likely get affordable rates

There are a wide variety of life insurance companies that offer 30-year terms, so you should not have trouble finding the right fit for you. What’s even better is that affordable term life insurance quotes are also easy to find because the market is competitive.

If you want to buy life insurance from companies that offer 30-year terms right now, enter your ZIP code into our free quote tool.

Best 30-Year Term Life Insurance Companies

A 30-year term life insurance policy lasts for a significant part of your life. Those who have a 30-year mortgage especially might appreciate this term length because it would ensure your spouse would get a death benefit to take care of the mortgage if you die before it is paid off.

There are likely hundreds of insurers that offer term life insurance policies to their clients, and many of these offer 30-year policies. Furthermore, since term life insurance policies are so widely available, you’re likely to find plenty of affordable options out there.

Below you’ll find some sample 30-year policy rates for preferred plus males from one of the best term life insurance companies.

30-Year Term Million Dollar Rates for Males – Preferred Plus
Age$1,000,000$2,000,000$3,000,000$4,000,000$5,000,000
30$31.45$57.44$82.23$107.01$131.80
35$34.40$64.27$92.47$120.66$148.86
40$48.80$90.66$132.96$176.29$218.79
45$87.49$170.29$253.10$587.75$733.51
50$244.80$484.91$725.03$965.15$1,205.26
55$457.14$909.11$1,361.09$1,813.07$2,265.05
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And the table below is for females.

30-Year Term Million Dollar Rates for Females – Preferred Plus
Age$1,000,000$2,000,000$3,000,000$4,000,000$5,000,000
30$44.16$83.64$123.13$162.61$201.58
35$53.20$101.24$149.28$196.79$244.02
40$75.38$146.09$216.79$287.49$358.19
45$115.60$226.51$337.43$448.35$559.26
50$179.35$354.01$528.68$703.35$878.01
55$329.99$655.30$980.62$1,305.93$1,631.24
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As you can see, 30-year term life insurance rates can be affordable, even as you start getting up into the higher amounts of coverage.

Life insurance companies that don’t offer 30-year terms may want to focus on shorter term length policies.

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Basics of 30-Year Term Life Insurance

When it comes time to get your term life insurance policy, a 30-year policy will do well to ensure that you have coverage for a while. One might even say that 30 years is one of the best term lengths, due to the large portion of life it covers.

Term Life Insurance

Term life insurance is a type of policy that gives you coverage for a specified period in your life in exchange for a premium payment. This period will usually be a set number of decades. If you die within that period, your loved ones will receive a death benefit.

There are a few types of term life insurance that will keep your loved ones taken care of. These include:

  • Level Term – This type of policy guarantees level premiums and death benefits for a specified period. This is the most straightforward and affordable life insurance policy.
  • Renewable Term – While not likely to apply to a 30-year policy, renewable term allows you to renew your term life policy without any additional underwriting.
  • Conversion – Some insurers will allow you to convert your term life insurance policy into a permanent life insurance policy once certain conditions are met.

These types of policies can help ensure that your loved ones are taken care of when you when you’re gone.

Who can use term life insurance?

Term life insurance, like most life insurance, can come in handy for those who have loved ones that depend on them. If you were to die, the death benefit can work to cushion any financial blows that your beneficiary might face.

A young family can use a 30-year term life insurance policy to give everyone a chance to establish financial security in their lives. A new business can use the death benefit to ensure its success in the event of the death of an investor.

How to Find the Best Term Life Insurance Companies

When you’re looking for affordable life insurance companies that offer 30-year terms, you’ll want to make sure you find a quality insurer. A life insurance company that is unable to pay out on its policy agreements will serve as nothing but further trouble during a difficult time.

Luckily, there are measures in place that keep insurers in check.

Financial Strength

An insurer’s financial strength is indicative of its ability to pay out on its agreements. There are professional organizations dedicated to registering an insurance company’s ability to pay out, ensuring they don’t run off with policyholders’ money.

Company and Industry Reviews

Other rating services help keep life insurance companies in check too. Companies like J.D. Power and Standard & Poor’s keep track of how an insurance company is viewed and its ability to pay claims.

Customers can also express their issues online via complaints. The Better Business Bureau keeps track of complaints filed by policyholders as well as when the insurer resolves them. This can show the insurer’s ability and willingness to be there for its customers.

How to Get Lower Premiums

According to the Insurance Information Institute, there are some ways to get lower life insurance rates. Since insurance comes down to risk, the way to get lower rates is to make sure that you do everything you can to lower the risk you pose.

How Insurers Determine Your Rates

Insurers are businesses at their core, and will always be focused on maximizing the profit on your policy before they have to pay out. The more likely you are to die during the term of your policy, the more an insurer will charge you to cover that risk.

To determine your risk, the insurer will put you through a process called underwriting. During the underwriting process, the insurer will likely consider:

  • Medical Info – Your health conditions and prescriptions will likely be the biggest indicator of any risk you pose of dying during the policy.
  • Demographics – Based on statistics, your age, gender, and other similar factors will be considered.
  • Habits – Any tobacco use or drug use will likely stand out as a red flag to the insurer.
  • Occupation – If you work a high-risk job, you may have to pay higher rates.

The insurer will be thorough, and if too many issues show up during the underwriting process, the company may opt not to insure you at all.

How to Lower Your Risk

Luckily, there are several things you can do to lower the risk in the insurer’s eyes. Some positive actions might include:

  • Limit Tobacco Use – One of the first questions an insurer will ask you is if you smoke, so limiting or quitting will seriously help you save.
  • Get Healthier – Eating better and getting in some quality exercise will ensure that you appear less risky during underwriting.
  • Shop Around – Especially with term life insurance, it’ll be in your best interest to look at different insurers. Every company has its own underwriting and pricing process.

Anything you can do to lower risk will be a big benefit when it comes to the underwriting process. Improving your credit and driving record will also show the insurer that you’re less likely to live a risky lifestyle.

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Life Insurance Companies That Offer 30-Year Terms: The Bottom Line

Many life insurance companies offer 30-year terms, and many offer affordable coverage. As long as you do your research and try to be healthier, you’re likely to find plenty of affordable term life insurance quotes.

If you’re looking for quotes for life insurance companies that offer 30-year terms, enter your ZIP code into our free quote tool.