If you are looking to protect the financial future of your family or your business, 30 year term life insurance offers a great bang for your buck. It is less expensive than permanent life insurance (both whole life and universal life) and can be converted to permanent insurance at a later date with no additional underwriting if your health changes. 30 year term life insurance is offered by many of the best life insurance companies. Generally, term insurance is offered for guaranteed periods of 10, 15, 20, or 30 years. A 30 year policy offers the longest guaranteed premiums and benefits for term insurance. After the 30 year term expires, the premiums increase annually based on age as long as premiums continue to be paid.
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